Best Auto Insurance With OEM Parts Coverage in 2024 (Top 10 Companies Ranked)
Progressive, Geico, and Allstate offer the best auto insurance with OEM parts coverage, with starting rates at $80/month. These companies are trusted for OEM policies to ensure reliable protection for your vehicle. They focus on quality repairs with original parts, competitive pricing, and smooth claims support.
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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: Dec 6, 2024
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We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
UPDATED: Dec 6, 2024
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
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19,116 reviewsCompany Facts
Full Coverage for OEM Parts
A.M. Best Rating
Complaint Level
Pros & Cons
19,116 reviews
11,413 reviewsCompany Facts
Full Coverage for OEM Parts
A.M. Best Rating
Complaint Level
Pros & Cons
11,413 reviewsFind the best auto insurance with OEM parts coverage from Progressive, Geico, and Allstate, starting at $80 per month.
Progressive leads with affordability, while Geico and Allstate provide comprehensive coverage options and superior claims support.
| Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 10% | A+ | OEM Guarantee | Progressive |
 | #2 | 25% | A++ | OEM Option | Geico |
 | #3 | 25% | A+ | Trusted Brand | Allstate |
 | #4 | 25% | A | Quality Parts | American Family |
 | #5 | 30% | A+ | Original Parts | Amica |
 | #6 | 20% | A | OEM Assurance | Farmers |
 | #7 | 17% | B | Parts Reliability | State Farm |
 | #8 | 25% | A+ | OEM Replacement | Erie |
 | #9 | 30% | A+ | Member Benefits | AAA |
 | #10 | 25% | A | OEM Protection | Liberty Mutual |
These companies offer top-quality OEM parts for repairs, keeping your car running like new. Pick them for great service and worry-free coverage.
Read More: Does Auto-Owners Insurance Offer OEM Parts Coverage?
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- Get the best auto insurance with OEM parts coverage, starting at $80/month
- Protect your vehicle’s performance with top insurers offering OEM parts coverage
- Progressive is the top pick for affordable rates and reliable OEM parts coverage
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#1 – Progressive: Top Overall Pick
Pros
- Affordable Coverage: Progressive provides the best auto insurance with OEM parts coverage starting at $85/month.
- Snapshot Program: Rewards safe driving with premium discounts through Progressive OEM parts options.
- Comprehensive Plans: Progressive offers flexible OEM repair and original parts coverage.
Cons
- Pricing Variability: Rates for OEM insurance can change based on your profile.
- Claims Process: Some drivers report settlement delays for insurance OEM parts claims. Read our guide titled “Does Progressive Offer OEM Parts Coverage?“
#2 – Geico: Best for OEM Option
Pros
- Lowest Rates: Geico auto insurance review offers the cheapest auto insurance with OEM parts coverage starting at $80/month.
- User-Friendly Tools: Geico’s app simplifies managing OEM parts insurance policies.
- Strong Discounts: Save on OEM car insurance with safe driver and multi-vehicle discounts.
Cons
- Limited Personalization: OEM insurance coverage may not suit specific needs.
- Customer Service: OEM in insurance claims handling receives mixed feedback.
#3 – Allstate: Best for Trusted Brand
Pros
- Great OEM Parts Coverage: Allstate offers the best auto insurance with OEM parts coverage starting at $95/month.
- Many Policy Choices: Allstate has different plans to fit each customer’s needs, including insurance OEM options.
- Accident Protection: Keeps rates from going up after a first accident, covering auto repairs and car insurance parts.
Cons
- High Monthly Costs: Allstate’s rates for home insurance coverage are $185/month, making it expensive.
- Few Discounts: Bundling policies like OEM car insurance offers few savings options. See our guide titled “Does Allstate Offer OEM Parts Coverage?“
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#4 – American Family: Best for Quality Parts
Pros
- Budget-Friendly Rates: American Family offers the best auto insurance with OEM parts coverage starting at $88/month.
- Customer Loyalty Rewards: Drivers get long-term rewards for staying with the American Family. Check our guide titled “What Types of Car Insurance Coverage Does American Family Insurance Offer?“
- Flexible Coverage Options: American Family offers plans like OEM car insurance that will fit any driver’s needs.
Cons
- Restricted Availability: Insurance companies that use OEM parts coverage aren’t offered in all states.
- Limited Online Tools: The website and app could better handle OEM insurance coverage options.
#5 – Amica: Best for Original Parts
Pros
- Strong OEM Coverage: Amica offers the best auto insurance with OEM parts coverage starting at $90/month.
- Exceptional Claims Service: Amica is known for fast and helpful claims processing.
- Dividend Policy Options: Policyholders can save money through dividends. Learn more in our guide titled “Does Amica Mutual Insurance offer OEM parts coverage?“
Cons
- Higher Monthly Costs: Rates begin at $180/month, more than some competitors.
- Limited Agent Network: We may not have as many local agents as other insurance companies.
#6 – Farmers: Best for OEM Assurance
Pros
- Solid OEM Coverage: Farmers offer the best auto insurance with OEM parts coverage starting at $87/month.
- Extensive Add-Ons: Provides extra options like rideshare insurance, insurance OEM parts, and OEM car insurance.
- Great Multi-Policy Discounts: You can save more by combining policies with OEM endorsement auto insurance and insurance companies that use OEM parts.
Cons
- Premium Costs: Starting rates for minimum coverage are higher than others in OEM insurance coverage. Find out more in our guide titled “Does Farmers Insurance offer OEM parts coverage?“
- Limited Online Features: Digital tools are less advanced than those of other companies offering car insurance parts coverage and OEM repairs.
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#7 – State Farm: Best for Parts Reliability
Pros
- Strong OEM Parts Protection: State Farm offers the best auto insurance with OEM parts coverage starting at $86/month.
- Policy Bundling Savings: Get discounts when bundling multiple policies.
- Reliable Claims Service: Trusted for claims satisfaction. Explore our guide titled “Does State Farm offer OEM parts coverage?“
Cons
- Higher Rates: State Farm OEM coverage starts at $170/month, which is more expensive than Geico.
- Limited Discount Options: State Farm offers fewer discounts compared to some competitors.
#8 – Erie: Best for OEM Replacement
Pros
- Competitive Rates: Erie provides the best auto insurance with OEM parts coverage starting at $82/month, making it budget-friendly.
- Coverage Types: Erie offers OEM policy plans and original parts replacement coverage types.
- Rate Lock Option: It ensures stable premiums even after some repairs, saving in the long run.
Cons
- Regional Availability: Coverage is only available in some states. Discover our guide titled “Does Erie Insurance Offer OEM Parts Coverage?“
- Basic Digital Features: The app and online tools are less user-friendly for managing OEM parts insurance.
#9 – AAA: Best for Member Benefits
Pros
- OEM Parts Coverage Excellence: AAA offers the best auto insurance with OEM parts coverage starting at $90/month.
- Reliable Customer Support: AAA auto insurance review is known for strong claims support and OEM insurance coverage.
- Flexible Policy Options: It offers customizable plans, including OEM repairs and OEM endorsement auto insurance.
Cons
- Higher Premiums: Monthly rates start at $180, higher than other insurance companies.
- Limited Discounts: Fewer savings options for insurance companies that use OEM parts.
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#10 – Liberty Mutual: Best for OEM Protection
Pros
- Flexible Coverage: Liberty Mutual auto insurance review offers the best auto insurance with OEM parts coverage starting at $92/month.
- Extra Perks: Includes options like new car replacement coverage.
- Bundling Savings: Big discounts when combining auto and home insurance.
Cons
- Higher Rates: OEM coverage costs $185/month, pricier than some competitors.
- Limited Discounts: Fewer savings unless you bundle multiple policies.
Understanding OEM Parts Coverage
OEM Parts Coverage, or Original Equipment Manufacturer Parts Coverage, is an insurance option that ensures repairs on your car use parts from the car’s original maker. These parts match the quality and fit of the ones your car had when it was new. Without this coverage, insurers might use cheaper, non-original parts for repairs.
OEM Parts Coverage Car Insurance Monthly Rates by Provider & Coverage Level| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $90 | $180 |
| $95 | $185 |
| $88 | $175 |
| $90 | $180 |
| $82 | $165 |
| $87 | $172 |
| $80 | $160 |
| $92 | $185 |
| $85 | $170 |
| $86 | $170 |
This coverage is great for keeping your car in top condition. OEM parts often last longer, perform better, and help your car hold its value. They can also keep your car within warranty standards. While it may increase your insurance cost slightly, it ensures high-quality repairs.
However, OEM Parts Coverage isn’t necessary for all drivers. If you own an older car or your vehicle has a lower market value, the difference may not be significant for OEM and non-OEM parts. Consider your car’s needs and consult your insurer to decide if it’s worth it.
Read More: Does State Auto Insurance Companies Offer OEM Parts Coverage?
What is OEM Parts Coverage
OEM Parts Coverage is an insurance add-on that ensures repairs use parts made by your car’s original manufacturer. These parts are the same ones that were used when your car was first built. They often fit better and last longer compared to cheaper aftermarket parts made by third-party companies.
| Insurance Company | Available Discounts |
|---|---|
| Multi-Policy, Good Driver, New Vehicle, Anti-Theft |
| Multi-Policy, Safe Driving Bonus, Anti-Theft, New Car |
| Multi-Policy, Loyalty, Good Student, Defensive Driving |
| Multi-Policy, Loyalty, AutoPay, Good Driver |
| Multi-Policy, Safe Driver, Paid-in-Full, Anti-Theft |
| Multi-Policy, Good Student, Safe Driver, Defensive Driving |
| Multi-Policy, Good Driver, Defensive Driving, Military |
| Multi-Policy, Early Shopper, Vehicle Safety, Claims-Free |
| Multi-Policy, Snapshot Program, AutoPay, Good Driver |
| Multi-Policy, Good Student, Safe Driver, Defensive Driving |
This coverage is helpful if you want to keep your car in its original condition. Using OEM parts can protect your car’s value and make sure repairs meet factory standards. Without this coverage, your insurance might only pay for less expensive parts that may not work as well or look the same.
OEM Parts Coverage is optional and costs more, but it’s worth it for newer or high-value cars. For older cars, it may not be as important. Check your policy and decide if keeping your car in top shape matters to you.
Read More: Does Country Financial Offer OEM Parts Coverage?
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Why is OEM Parts Coverage
OEM Parts Coverage helps keep your car’s value and performance strong. Using original parts ensures your car stays safe, works well, and maintains its resale value if you decide to sell it later. These parts are made to fit your car perfectly, ensuring they work as intended. They keep your car’s original features and systems running smoothly.
Another benefit is the warranty. With OEM Parts Coverage, you get parts backed by the manufacturer’s warranty, protecting you from surprise repair costs. These parts are also built to last and match your car’s original look, making this coverage a smart choice to keep your vehicle in great shape.
Learn More: Does National General Insurance offer OEM parts coverage?
Factors to Consider When Choosing Car Insurance for OEM Parts
When picking car insurance with OEM Parts Coverage, it’s important to think about a few key things before you decide.
Car insurance helps protect your finances if you have an accident, your car is stolen, or it gets damaged. Not all car insurance policies are the same, though. If you care about using original manufacturer parts for repairs, you’ll want a policy that includes OEM Parts Coverage. So, how can you choose the right insurance? Here are some important things to think about to make the best choice for you.
Cost of Premiums
One important thing to think about is the cost of your insurance premium. Choosing OEM Parts Coverage might make your monthly payment higher, but it’s a good idea to compare rates from different insurance companies. Your car insurance cost will depend on factors like your age, driving history, where you live, and the type of car you drive. Try to find affordable rates while still getting good coverage.
Also, while OEM parts may cost more than aftermarket parts, they tend to fit better, last longer, and perform well. This can save you money later by lowering the need for constant repairs or replacements.
Coverage Limitations
It’s important to know the limits of your insurance coverage. Some policies may have rules about the age and mileage of your car when offering OEM parts coverage. Make sure the policy you choose works for your vehicle to avoid problems later.
You should also check how much of your car is covered by the OEM parts insurance. Does it include key parts like the engine, transmission, or electrical systems? Understanding this can help you choose the right policy and avoid surprises if you need to make a claim.
Claim Process
Another important thing to think about is how easy it is to file a claim for OEM parts. A clear and quick claims process can make fixing your car much smoother and less stressful. Look for features like 24/7 claims support, online claim options, and how fast the insurance company processes claims.
Tracey L. Wells Licensed Insurance Agent & Agency Owner
These factors can make a big difference in getting your car repaired and back on the road quickly. When choosing car insurance for OEM parts, consider things like how much the premiums cost, any limits on coverage, and how the claims process works.
Your car is an important investment, so it’s worth taking the time to choose a policy that offers protection and peace of mind. Ensuring you have the right care and repairs can keep your vehicle running well and keep you safe.
Learn More: How to File an Car Insurance Claim With Response Insurance Company
Top Car Insurance Companies for OEM Parts Coverage
Now that we’ve looked at the important things to think about when choosing car insurance let’s check out the top car insurance companies that offer great OEM Parts Coverage. But first, let’s quickly explain why OEM Parts Coverage matters.
When your car needs repairs after an accident, using original equipment manufacturer (OEM) parts is very important. These parts are made by the same company that built your car, so they fit perfectly and meet the highest quality and safety standards.
Not all insurance policies cover these OEM parts, and this can lead to lower-quality replacements that affect how your car runs and its value. Luckily, some car insurance companies focus on offering OEM Parts Coverage to their customers. Let’s take a closer look at these companies:
Progressive Review
Progressive offers many types of coverage, including OEM Parts Coverage. They understand the importance of using original parts to keep your car in great shape and maintain its value.
The best offense is a good defense! Bundling your home and auto with Progressive gives you double coverage when life calls a trick play. Whose defense are you counting on this Sunday? pic.twitter.com/oyH9Vvm050
— Progressive (@progressive) September 22, 2024
If you have an accident, Progressive makes it easy to file a claim. They ensure your car is repaired with original parts from the manufacturer, so it will be fixed properly and returned to its original condition.
Geico Review
Geico is known for its strong OEM Parts Coverage and affordable rates. They know using original replacement parts is important for your car’s performance and safety. Gathered more in our guide titled “Does Geico Offer OEM Parts Coverage?”
With a large network of trusted repair shops, Geico ensures the parts used to fix your car are authentic and high-quality. Whether you’ve had a small accident or a big collision, Geico ensures your car is repaired properly so you can drive with confidence.
Allstate Review
Allstate is known for offering excellent OEM Parts Coverage and great customer service. They understand that your car is more than just a way to get around—it’s an important investment that deserves proper care.
That’s why Allstate makes sure all repairs use original parts to keep your car running at its best. With Allstate, you can trust that your car will be fixed the right way with the highest standards of quality.
If you want the added protection of OEM Parts Coverage with your car insurance, Allstate is a great choice. They focus on using original parts for repairs, giving you extra security and peace of mind. Your car deserves the best care, and Allstate can provide it.
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How to Get the Most Out of Your OEM Parts Coverage
Now that you have the right car insurance for OEM Parts Coverage, it’s important to use it well to protect your car.
OEM (Original Equipment Manufacturer) parts coverage helps ensure your car gets real, original replacement parts after an accident. Here are a few simple ways to make the most of your policy, protect your vehicle, and keep it running like new.
Regular Maintenance Tips
Keeping up with regular car maintenance helps you get the most out of your OEM Parts Coverage. Following the recommended service schedule from your car’s manufacturer can prevent damage and keep your vehicle in good shape.
Regular maintenance includes simple tasks like oil changes, tire rotations, and brake checks. These steps ensure your car runs well and can catch small problems before they become big ones.
Taking care of your car shows your insurance company that you’re responsible. This can build trust with your insurer and may lead to lower rates or better coverage options later on.
Understanding Your Policy
Make sure you fully understand your insurance policy and all its terms. Look out for any exclusions or limits that might affect your OEM parts coverage. Knowing these details will help you make the best choices for your vehicle repairs.
Take time to go through your policy and talk to your insurance agent if anything is unclear. Learn what your OEM parts coverage includes, such as which parts can be replaced and any deductibles you might have to pay.
Heidi Mertlich Licensed Insurance Agent
When you know your policy well, you can make smarter decisions about repairs. For instance, if your policy covers OEM parts but not aftermarket ones, you can request original replacement parts when filing a claim.
Filing a Claim for OEM Parts
Being prepared can make it easier if you need to file a claim for OEM parts. Collect all necessary documents, like proof of purchase and photos of the damage, to help your claim move quickly and ensure your car is fixed with original parts.
When filing your claim, clearly explain the damage and how it happened. This helps your insurance company understand the situation and make better decisions about the repairs. Being clear and detailed can prevent delays or confusion.
Stay organized and take action early. Keep a record of any communication with the insurance company and repair shops. Respond quickly to any extra requests they may have. Managing the process well helps you use your OEM Parts Coverage fully and get your car back to its original condition.
See More: How to File a Car Accident Claim
Case Studies: Real-World Benefits of the Best Auto Insurance with OEM Parts Coverage
Choosing the best auto insurance with OEM parts coverage can make a big difference after an accident. These examples show how Progressive, Geico, and Allstate offer plans to meet different needs, from families and students to business owners. Their coverage ensures high-quality repairs with original replacement parts.
- Case Study #1 – Progressive’s Help for a Family: John and Sarah, a family of four, chose Progressive for their $85/month OEM parts coverage after buying a new SUV. After a serious accident, Progressive covered the cost of authentic replacement parts to keep their SUV safe and in great shape. They found the claims process simple and stress-free.
- Case Study #2 – Geico’s Affordable Support for a College Student: College student Alex picked Geico’s $80/month OEM parts coverage for his first car. After a minor accident, Geico paid for replacement parts with real, authentic ones. This repair made Alex’s car safe again and gave him confidence in its reliability.
- Case Study #3 – Allstate’s Reliable Protection for a Small Business: Karen ran a small delivery business and picked Allstate’s $95/month OEM parts coverage for her delivery van. After a crash damaged her engine, Allstate replaced the broken parts with real, original ones quickly. This fast response minimized downtime and allowed her business to continue running smoothly without delays.
These examples show how choosing the best auto insurance with OEM parts coverage makes a difference. Whether you’re a family, student, or business owner, providers like Progressive, Geico, and Allstate can ensure your vehicle stays safe and in great shape. Discover more in our guide titled “Car Repair Estimate: How to Get Money to Repair Your Vehicle.”
Michelle Robbins Licensed Insurance Agent
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Frequently Asked Questions
What is OEM parts coverage in auto insurance?
OEM parts coverage ensures that any replacement parts used in repairs are Original Equipment Manufacturer (OEM) parts, maintaining your vehicle’s value and safety standards. View our guide titled “Best Safety Features Car Insurance Discounts.”
Why is OEM parts coverage important?
OEM parts are made by the original manufacturer, guaranteeing a perfect fit and reliable performance, which can enhance your vehicle’s longevity and resale value. Enter your ZIP code into our free quote tool to find the best auto insurance providers for your needs and budget.
Which companies offer the best auto insurance with OEM parts coverage?
Progressive, Geico, and Allstate are top providers, offering affordable rates starting at $80 per month.
How does Progressive’s OEM parts coverage benefit families?
Progressive provides peace of mind by covering authentic parts at $85/month, ensuring vehicle safety and value after repairs. Find more in our guide titled “Does Progressive offer custom parts and equipment coverage?”
Is OEM parts coverage suitable for business owners?
Absolutely. Allstate’s $95/month policy minimizes downtime for businesses by covering original parts, which is crucial for delivery vehicles or company cars.
Can students benefit from Geico’s OEM parts coverage?
Yes, Geico’s $80/month policy delivers affordable protection, helping young drivers maintain their vehicle’s safety and reliability after an accident. Check out our guide titled “Does Geico offer custom parts and equipment coverage?”
How do claims work for OEM parts coverage?
Most insurers, like Progressive and Geico, offer a straightforward claims process, allowing you to repair your car with OEM parts quickly and hassle-free.
Are there any downsides to OEM parts coverage?
OEM parts coverage can be slightly more expensive than standard coverage but is worth it for those prioritizing quality and safety. Check our guide titled “Does my auto insurance cover flat tires?”
Can I add OEM parts coverage to an existing policy?
Many insurers allow you to add OEM parts coverage as an endorsement to your current policy. Check with your provider for options.
Does OEM parts coverage increase premiums significantly?
Premium increases depend on your provider, but with options like Geico starting at $80/month, many drivers find it affordable and valuable. Protect your vehicle at the best prices by entering your ZIP code into our free auto insurance quote comparison tool.
Enter your ZIP code below to compare cheap insurance rates.
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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 legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.