Best Car Insurance Companies That Cover OEM Parts in 2024 (Top 10 Providers)
Allstate, Liberty Mutual, and State Farm are the top picks for the best car insurance companies that cover OEM parts. With rates starting at $27 monthly, they ensure quality repairs and comprehensive coverage tailored to individual needs. Trust in their expertise for peace of mind on the road.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
UPDATED: May 13, 2024
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: May 13, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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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
| Company | Rank | OEM Discount | Comprehensive Discount | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 12% | 15% | Comprehensive Coverage | Allstate |
 | #2 | 10% | 14% | 24/7 Support | Liberty Mutual |
 | #3 | 11% | 13% | Local Agents | State Farm |
 | #4 | 9% | 12% | Multi-Policy Discounts | Nationwide |
 | #5 | 13% | 16% | Safe-Driving Discounts | Progressive |
 | #6 | 10% | 14% | Policy Options | Farmers |
 | #7 | 8% | 11% | Bundle Discounts | AAA |
 | #8 | 12% | 15% | Online Convenience | Travelers |
 | #9 | 11% | 13% | Loyalty Rewards | The Hartford |
 | #10 | 9% | 12% | Online Convenience | Safeco |
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.
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#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.
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#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.
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#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.
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#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
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| AAA | $32 | $86 |
| Allstate | $61 | $160 |
| Farmers | $53 | $139 |
| Liberty Mutual | $68 | $174 |
| Nationwide | $44 | $115 |
| Progressive | $39 | $105 |
| Safeco | $27 | $71 |
| State Farm | $33 | $86 |
| The Hartford | $43 | $113 |
| Travelers | $37 | $99 |
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.
Allstate stands out for its comprehensive coverage, prioritizing OEM parts and ensuring quality repairs that align with individual preferences and safety needs.
Brad Larson Licensed Insurance Agent
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.
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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.
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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.
State Farm, with a customer review rating of 92%, ensures peace of mind with comprehensive coverage and quality repairs using OEM parts.
Kristen Gryglik Licensed Insurance Agent
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.
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Frequently Asked Questions
How can I determine which insurance companies cover OEM parts?
You can find out which insurance companies cover OEM parts by researching their policy details or directly contacting their customer service representatives.
For further understanding of your car insurance policy, refer to our detailed handbook titled “Understanding Your Car Insurance Policy,” ensuring clarity and informed decision-making in your coverage choices.
Are there aftermarket parts laws by state?
Yes, various states have laws regulating the use of aftermarket parts in car repairs, with some requiring explicit consent from customers before their usage.
By entering your ZIP code below, you can get instant car insurance quotes from top providers.
How do I get OEM parts from insurance companies?
To get OEM parts from insurance companies, you can request them during the claims process or inquire about OEM parts coverage when purchasing your policy.
For more information on the process of filing a car insurance claim, consult our in-depth guide titled “How do you file a car insurance claim?” available on our website.
What is auto insurance OEM parts coverage?
Auto insurance OEM parts coverage refers to a policy that ensures the use of original equipment manufacturer (OEM) parts for repairs after an accident, maintaining the vehicle’s integrity and value.
To deepen your comprehension, delve into our extensive guide on insurance coverage titled “Understanding Car Accidents” for invaluable insights.
Does auto insurance include coverage for additional equipment?
Some auto insurance policies may offer coverage for additional equipment, such as aftermarket parts or custom accessories, but it’s essential to check your policy for specific details.
Which are the 10 best auto insurance companies offering OEM parts coverage?
The 10 best auto insurance companies offering OEM parts coverage include Allstate, Liberty Mutual, State Farm, and others. You can compare their policies to find the best fit for your needs.
For an extensive examination, delve into our comprehensive guide titled “10 Best Usage-Based Car Insurance Companies,” offering valuable insights and recommendations.
How do I find an Allstate approved body shop near me?
You can locate an Allstate approved body shop near you by using the “Find an Agent or Repair Shop” tool on the Allstate website or contacting their customer service.
What is Allstate’s OEM parts policy?
Allstate’s OEM parts policy ensures that original equipment manufacturer parts are used for repairs whenever possible, maintaining the vehicle’s quality and safety standards.
See how much you’ll pay for car insurance by entering your ZIP code below into our free comparison tool.
What is aftermarket car insurance?
Aftermarket car insurance covers repairs using non-original equipment manufacturer (OEM) parts, which are typically less expensive alternatives.
Delve further into the topic by exploring our comprehensive report titled “Does car insurance cover performance parts?” for detailed insights.
Can I compare auto parts installation insurance among different insurers?
Yes, you can compare auto parts installation insurance among different insurers to find the best coverage options and rates for your vehicle modifications.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
