Best Car Insurance Companies That Cover OEM Parts in 2025 (Top 10 Providers)

Allstate, Liberty Mutual, and State Farm emerge as the top contenders among the best car insurance companies that cover OEM parts. Their emphasis on quality repairs using original manufacturer parts ensures peace of mind for drivers. 

With a focus on comprehensive coverage options, 24/7 support, and personalized service, these industry leaders prioritize customer satisfaction. Whether you prioritize safe driving or seek affordable coverage without compromising on quality, these top picks guarantee peace of mind on the road.

Our Top 10 Picks: Best Car Insurance Companies That Cover OEM Parts

Understand your insurance journey as we highlight top contenders skilled in customizing rates for your individual circumstances. If you seek car insurance with OEM parts coverage, although some insurers default to aftermarket parts, you can request OEM parts from specific companies. However, some best car insurance companies may not offer OEM coverage.

Ready to shop around for the best car insurance company? Enter your ZIP code above and see which one offers the coverage you need.

#1 – Allstate: Top Overall Pick

Pros

• Extensive Protection: Allstate provides comprehensive coverage to ensure policyholders have extensive protection.
• 12% Discount: Explore our Allstate car insurance review to uncover potential cost savings with a 12% discount on car insurance premiums.
• Efficient Online Services: Benefit from a user-friendly interface and efficient online services.

Cons

• Increased Customer Rates: Rates may be relatively higher for certain customers.
• Local Agent Shortage: Availability of local agents is limited.

#2 – Liberty Mutual: Best for 24/7 Support

Pros

• 24/7 Customer Support: Liberty Mutual stands out with round-the-clock customer support.
• 10% Discount: According to our Liberty Mutual car insurance review, you can enjoy a 10% discount on car insurance premiums.
• Diverse Insurance Options: Liberty Mutual offers a wide range of insurance products for bundling opportunities.

Cons

• Lower Profile Rates: Rates may be less competitive for specific customer profiles.
• Online Tools Intuitiveness: Online tools and resources may lack intuitiveness.

#3 – State Farm: Best for Local Agents

Pros

• Local Agents Network: Boasting a network of local agents for personalized service.
• 11% Discount: Enjoy an 11% discount on car insurance premiums.
• Financial Reputation and Stability: In accordance with our State Farm car insurance review, State Farm boasts a robust financial reputation and stability.

Cons

• Limited Online Convenience: Online convenience is limited compared to some competitors.
• Limited Demographic Rates: Rates may not be the most competitive for specific demographics.

#4 – Nationwide: Best for Multi-Policy Discounts

Pros

• Multi-Policy Discounts: Nationwide provides multi-policy discounts for added savings.
• 9% Discount: Explore our Nationwide car insurance discounts and enjoy a 9% discount on car insurance premiums.
• Wide Network Accessibility: Nationwide’s wide network ensures accessibility

Cons

• Reduced User Experience: Some users may find the online experience less user-friendly.
• Limited Coverage Range: Certain coverage options may be limited compared to competitors.

#5 – Progressive: Best Safe-Driving Discounts

Pros

• Safe-Driving Discounts: Learn more about Progressive car insurance review and how the company offers discounts for safe driving.
• 13% Discount: Get a 13% discount on car insurance premiums.
• Digital Innovation Tools: Well-regarded for innovative online tools and apps.

Cons

• Higher Risk Driver Fees: Rates may be higher for certain high-risk drivers.
• Customer Satisfaction Fluctuations: Customer service satisfaction can vary.

#6 – Farmers: Best for Policy Options

Pros

• Variety of Policy Options: Farmers car insurance review provides a variety of policy options.
• 10% Discount: Enjoy a 10% discount on car insurance premiums.
• Personalized Service: Benefit from personalized service through a network of agents.

Cons

• Increased Fees: Rates may be on the higher side for certain customers.
• Online Limitations: Online features are limited compared to some competitors.

#7 – AAA: Best for Bundle Discounts

Pros

• Bundle Discounts: AAA offers discounts for combining policies.
• 8% Discount: Get an 8% discount on car insurance premiums.
• Reliability Reputation: AAA car insurance review showcases the company’s longstanding reputation for reliability.

Cons

• Membership Costs: Membership fees may add to overall costs.
• Regional Constraints: Availability is limited in certain regions.

#8 – Travelers: Best for Online Convenience

Pros

• Online Ease: In line with our Travelers car insurance review, Travelers emphasizes online convenience.
• 12% Discount: Enjoy a 12% discount on car insurance premiums.
• Coverage Variety: Benefit from our broad form coverage, offering a broad range of coverage options.

Cons

• Elevated Demographic Rates: Rates may be higher for certain demographics.
• Service Satisfaction Range: Customer service can vary.

#9 – The Hartford: Best for Loyalty Rewards

Pros

• Loyalty Rewards: The Hartford provides loyalty rewards for long-term customers.
• 11% Discount: Our The Hartford car insurance discounts, enjoy an 11% discount on car insurance premiums. 
• Strong Financial Stability: Benefit from strong financial stability.

Cons

• Restricted Access: Availability is limited in certain regions.
• Rates Less Competitive: Rates may not be the most competitive for some customers.

#10 – Safeco: Best for Online Convenience

Pros

• Online Ease: Safeco emphasizes online convenience for customers.
• 9% Discount: Enjoy a 9% discount on car insurance premiums.
• Varied Coverage Options: Varied coverage options to suit individual needs are highlighted in our Safeco car insurance review.

Cons

• Regional Constraints: Availability is limited in certain regions.
• Service Dissatisfaction: Customer service may not meet some users’ expectations.

Analyzing Insurance Providers Offering OEM Parts Coverage

When it comes to car insurance, the type of parts used for repairs can significantly impact the overall coverage and costs. Some insurance companies offer policies that specifically include collision car insurance, ensuring that genuine, manufacturer-approved components are used in vehicle repairs.

Car Insurance Monthly Rates by Coverage Level & Providers That Cover OEM Parts

The table above provides insights into the average monthly car insurance rates for companies offering coverage with a focus on OEM parts, encompassing both full and minimum coverage options. Analyzing the table reveals the varying monthly insurance rates among companies providing coverage that emphasizes the use of OEM parts. Safeco stands out as a cost-effective choice, offering minimum coverage at $27 and full coverage at $71.

State Farm provides a balanced option with rates of $33 for minimum coverage and $86 for full coverage. On the higher end, Liberty Mutual presents rates of $68 for minimum coverage and $174 for full coverage. These figures highlight the importance of considering insurance options that align with preferences for genuine, manufacturer-approved parts.

Individuals valuing the use of OEM components in their vehicle repairs should assess these rates along with other policy features to make informed decisions that prioritize both coverage and quality repairs.

The Cost of OEM Parts Coverage

OEM coverage varies for each person. Several factors determine whether affordable car insurance is available to you. The most significant factor for OEM coverage is your vehicle’s make and model year. But you won’t know how much OEM parts coverage costs until you get an car insurance quote.

For car insurance companies that don’t offer OEM parts coverage, OEM coverage may be included as a guarantee in the overall car insurance policy.

This table presents monthly car insurance rates from various providers, comparing costs for minimum and full coverage options. It includes premium amounts from notable insurance companies like AAA, Allstate, Farmers, Liberty Mutual, Nationwide, Progressive, Safeco, State Farm, The Hartford, and Travelers.

Each company is also noted for whether they cover original equipment manufacturer (OEM) parts, highlighting differences in coverage specifics alongside the price for a comprehensive understanding of what each insurer offers.

Top Car Insurance Providers for OEM Parts Coverage

Many car insurance companies prioritize body shops using OEM (original equipment manufacturer) parts for post-accident repairs, as these are the parts originally installed by the manufacturer. Some insurers offer coverage specifically for OEM parts.

Notable insurers with such coverage include AAA, American Family, Farmers, Liberty Mutual, and State Farm, with State Farm holding the highest market share presently.

However, exploring options from various insurers is advisable to ensure coverage aligns with individual needs, as other companies may also provide OEM parts coverage, necessitating thorough comparison for optimal selection.

Factors Influencing Car Insurance Companies’ Use of OEM Parts

Some insurance companies ask car repair shops to use OEM parts without you paying for extra coverage. But some car insurance companies may use aftermarket or refurbished parts to save money.

You can prevent this by requesting that the car insurance company use new OEM parts after an accident.

Securing OEM Parts Usage From Your Car Insurance Company

Getting your car insurance company to cover OEM parts is easier than talking someone else’s insurance company into making sure OEM parts are used after an accident. Regarding another company, OEM parts coverage would depend on the coverage limits of the at-fault driver’s insurance policy.

It’s your right to ask for OEM parts to be used. Even if the car insurance company insists on using aftermarket parts, the body shop may agree that OEM parts should be used.

Aftermarket parts are only used if OEM parts aren’t made anymore or have been reported as defective.

Variations in OEM Parts Laws Across States

Different states have varying laws regarding the use of Original Equipment Manufacturer (OEM) and aftermarket parts in car repairs. While aftermarket parts are non-OEM components that function similarly to OEM parts, certain states mandate that car repair shops and insurance companies inform customers about the use of aftermarket parts.

States like Arkansas, Indiana, Kansas, Rhode Island, and West Virginia require explicit consent from customers before using monthly car insurance aftermarket parts. However, it’s important to note that aftermarket parts may not always be interchangeable with OEM parts. If you prefer OEM parts, you can request them from your car insurance company.

In some cases, if OEM parts are unavailable, your insurer may obtain OEM surplus parts directly from the manufacturer. Refurbished OEM parts, which are recycled and rebuilt, may also be an option if OEM or surplus parts are not available.

Case Studies: Exemplifying Excellence in OEM Parts Coverage

Explore real-life scenarios showcasing the importance of personalized service, comprehensive coverage, and prompt assistance in the realm of car insurance.

• Case Study #1 – Assurance in Comprehensive Protection: Emily, a careful driver, sought car insurance aligned with her cautious habits. Allstate’s comprehensive coverage, emphasizing OEM parts, proved vital. After an accident, Allstate facilitated the use of original manufacturer parts for Emily’s repairs, demonstrating their commitment to quality coverage tailored to individual needs.
• Case Study #2 – 24/7 Support in Action: James, a frequent traveler, chose Liberty Mutual for its 24/7 support, particularly for car insurance for road trips. During a late-night road trip, he needed immediate assistance, and Liberty Mutual’s support proved invaluable, ensuring prompt help and highlighting the importance of accessible support in unforeseen circumstances.
• Case Study #3 – Local Agents Deliver Personalized Service: Car enthusiast Alex chose State Farm for its personalized service and found a local agent who shared his passion for cars. When Alex needed OEM parts, the agent efficiently handled the process, demonstrating State Farm’s commitment to personalized service and understanding individual preferences.

These case studies underscore the value of selecting a provider that aligns with your unique needs and preferences.

Whether it’s comprehensive coverage, round-the-clock support, or personalized service, finding the right insurance partner can make all the difference in ensuring peace of mind on the road.

The Verdict on Car Insurance Providers Offering OEM Parts Coverage

OEM parts coverage is an automatic guarantee at some car insurance companies. Meanwhile, car insurance with OEM parts coverage may add a few dollars to your policy. But adding OEM parts coverage drives you a little further away from cheap car insurance.

Affordable car insurance rates are just a click away. Enter your ZIP code into our free quote tool below to find the best policy for you.