Compare Best Car Insurance Companies That Offer OEM Parts Coverage in 2024 (Top 10 Providers)
Compare best car insurance companies that offer OEM parts coverage from Allstate, Liberty Mutual, and State Farm. This guide explores the factors affecting rates, such as credit score and mileage, providing valuable insights for tailoring your insurance coverage.
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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: Feb 13, 2024
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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.
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: Feb 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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Company Facts
Average Monthly Rate For Good Drivers
A.M. Best Rating
Complaint Level
Company Facts
Average Monthly Rate For Good Drivers
A.M. Best Rating
Complaint Level
Company Facts
Average Monthly Rate For Good Drivers
A.M. Best Rating
Complaint Level
Pros & Cons
Compare best car insurance companies that offer OEM parts coverage such as Allstate, Liberty Mutual, and State Farm. These companies stand out for comprehensive coverage tailored to individual needs. The guide analyzes factors such as credit score and mileage, providing data-driven insights for informed decision-making.
Whether you prioritize safe driving and excellent credit or embark on frequent road trips, our data-driven insights unveil nuanced details, identifying the most advantageous rates for diverse customer profiles.
Company | Rank | See Pros/Cons | OEM Parts Coverage Discount | Comprehensive Coverage Discount | Best for |
---|---|---|---|---|---|
#1 | Allstate | 12% | 15% | Comprehensive Coverage | |
#2 | Liberty Mutual | 10% | 14% | 24/7 Support | |
#3 | State Farm | 11% | 13% | Local Agents | |
#4 | Nationwide | 9% | 12% | Multi-Policy Discounts | |
#5 | Progressive | 13% | 16% | Safe-Driving Discounts | |
#6 | Farmers | 10% | 14% | Policy Options | |
#7 | AAA | 8% | 11% | Bundle Discounts | |
#8 | Travelers | 12% | 15% | Online Convenience | |
#9 | Hartford | 11% | 13% | Loyalty Rewards | |
#10 | Safeco | 9% | 12% | Online Convenience |
Acquire a clear understanding of your insurance journey as we shine a spotlight on top contenders skilled in customizing rates to fit your individual circumstances.
Looking for car insurance with OEM parts coverage? While some insurers may default to aftermarket parts, you can request OEM parts from certain companies. But some of the best car insurance companies may not have OEM coverage. Don’t worry — we’re here to help. Compare them by entering your ZIP code in the free tool above.
Read more: Does car insurance cover performance parts?
#1 – Allstate: Comprehensive Coverage
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
Pros
- Extensive protection: Allstate provides comprehensive coverage to ensure policyholders have extensive protection.
- 12% discount: Enjoy a 12% discount on car insurance premiums for potential cost savings.
- Efficient online services: Benefit from a user-friendly interface and efficient online services.
Cons
- Higher rates for some customers: Rates may be relatively higher for certain customers.
- Limited availability of local agents: Availability of local agents is limited.
Read more: Allstate Car Insurance Review
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#2 – Liberty Mutual: 24/7 Support
Pros
- 24/7 customer support: Liberty Mutual stands out with round-the-clock customer support.
- 10% discount: Get a 10% discount on car insurance premiums.
- Wide range of insurance products: Liberty Mutual offers a wide range of insurance products for bundling opportunities.
Cons
- Less competitive rates for certain profiles: Rates may be less competitive for specific customer profiles.
- Online tools intuitiveness: Online tools and resources may lack intuitiveness.
Read more: Liberty Mutual Car Insurance Review
#3 – State Farm: 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: Strong financial reputation and stability.
Cons
- Limited online convenience: Online convenience is limited compared to some competitors.
- Rates may not be most competitive for certain demographics: Rates may not be the most competitive for specific demographics.
Read more: State Farm Car Insurance Review
#4 – Nationwide: Multi-Policy Discounts
Pros
- Multi-policy discounts: Nationwide provides multi-policy discounts for added savings.
- 9% discount: Enjoy a 9% discount on car insurance premiums.
- Wide network accessibility: Nationwide’s wide network ensures accessibility
Cons
- Less user-friendly online experience for some users: Some users may find the online experience less user-friendly.
- Limitations in coverage options compared to competitors: Certain coverage options may be limited compared to competitors.
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#5 – Progressive: Safe-Driving Discounts
Pros
- Safe-driving discounts: Progressive offers discounts for safe driving.
- 13% discount: Get a 13% discount on car insurance premiums.
- Innovative online tools and apps: Well-regarded for innovative online tools and apps.
Cons
- Higher rates for certain high-risk drivers: Rates may be higher for certain high-risk drivers.
- Variability in customer service satisfaction: Customer service satisfaction can vary.
Read more: Progressive Car Insurance Review
#6 – Farmers: Policy Options
Pros
- Variety of policy options: Farmers 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
- Higher rates for some customers: Rates may be on the higher side for certain customers.
- Limited online features compared to competitors: Online features are limited compared to some competitors.
Read more: Farmers Car Insurance Review
#7 – AAA: Bundle Discounts
Pros
- Bundle discounts: AAA offers discounts for combining policies.
- 8% discount: Get an 8% discount on car insurance premiums.
- Reliability reputation: AAA is known for its longstanding reputation for reliability.
Cons
- Membership fees impact on costs: Membership fees may add to overall costs.
- Limited availability in certain regions: Availability is limited in certain regions.
Read more: AAA Car Insurance Review
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#8 – Travelers: Online Convenience
Pros
- Emphasis on online convenience: Travelers emphasizes online convenience.
- 12% discount: Enjoy a 12% discount on car insurance premiums.
- Broad range of coverage options: Benefit from a broad range of coverage options.
Cons
- Higher rates for certain demographics: Rates may be higher for certain demographics.
- Customer service satisfaction variability: Customer service can vary.
Read more:
#9 – Hartford: Loyalty Rewards
Pros
- Loyalty rewards: Hartford provides loyalty rewards for long-term customers.
- 11% discount: Enjoy an 11% discount on car insurance premiums.
- Strong financial stability: Benefit from strong financial stability.
Cons
- Limited availability in certain regions: Availability is limited in certain regions.
- Rates may not be most competitive for some customers: Rates may not be the most competitive for some customers.
#10 – Safeco: Online Convenience
Pros
- Emphasis on online convenience: 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.
Cons
- Limited availability in certain regions: Availability is limited in certain regions.
- Customer service may not meet some users’ expectations: Customer service may not meet some users’ expectations.
Read more: Safeco Car Insurance Review
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Exploring Coverage Rates: A Deep Dive into Insurance Providers That Offer 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 Original Equipment Manufacturer (OEM) parts coverage, ensuring that genuine, manufacturer-approved components are used in vehicle repairs. This consideration is vital for individuals who prioritize maintaining their vehicle’s integrity and value.
Insurance Company | Full Coverage | Minimum Coverage |
---|---|---|
Allstate | $160 | $61 |
Liberty Mutual | $174 | $68 |
State Farm | $86 | $33 |
Nationwide | $115 | $44 |
Progressive | $105 | $39 |
Farmers | $139 | $53 |
AAA | $86 | $32 |
Travelers | $99 | $37 |
Hartford | $113 | $43 |
Safeco | $71 | $27 |
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.
How much is 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 policy.
What are the best car insurance companies that offer OEM part coverage?
Most car insurance companies prefer body shops to use OEM parts to repair damaged cars after an accident. OEM stands for original equipment manufacturer (OEM), and includes any vehicle parts that were originally installed by the manufacturer. But some insurance companies have coverage options that specifically target OEM parts after a car accident.
Here’s a list of the best car insurance companies that have OEM coverage.
- AAA
- American Family
- Farmers
- Liberty Mutual
- State Farm
Currently, State Farm has the highest market share in the car insurance industry. However, you should see what other insurance companies have to offer. Read more: State Farm vs. Liberty Mutual Car Insurance Comparison Other car insurance companies may carry OEM parts, but you’ll have to shop around until you find a company that can meet your coverage needs.
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Why won’t car insurance companies use 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.
How do I get a car insurance company to use OEM parts?
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.
Do OEM parts laws by state vary?
The short answer is yes.
Aftermarket parts (non-OEM parts) are off-brand parts that work the same as the OEM part. Although all states have different laws on OEM and aftermarket parts, some states have a law stating that car repair shops and car insurance companies have to tell you whether or not they’re using aftermarket parts.
Check out this list of states that require car repair shops and insurance companies to get consent from customers to use aftermarket parts.
- Arkansas
- Indiana
- Kansas
- Rhode Island
- West Virginia
Aftermarket parts are generic brand parts that work like the original OEM part. In some cases, you won’t be able to use an OEM part.
Should I request an OEM surplus part?
If your car insurance company is firm about getting you an OEM part, they may go straight to the manufacturer to get the part. OEM parts directly from the manufacturer are known as OEM surplus parts. It’s uncommon for repair shops to use OEM surplus parts. If there are no other options, you may need a refurbished OEM part (a recycled OEM part that’s been rebuilt).
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Case Studies: Exemplifying Excellence in OEM Parts Coverage
Case Study #1: Allstate’s Assurance in Comprehensive Protection
In a notable case, Emily, a meticulous driver with a penchant for road safety, sought car insurance that aligned with her cautious habits. Allstate’s comprehensive coverage, emphasizing OEM parts, proved instrumental.
When Emily faced an unfortunate accident, Allstate seamlessly facilitated the use of original manufacturer parts for her car repairs, showcasing their commitment to providing quality coverage tailored to individual needs.
Case Study #2: Liberty Mutual’s 24/7 Support in Action
James, a frequent traveler, valued round-the-clock support for his insurance needs. Opting for Liberty Mutual, he encountered a situation demanding immediate assistance during a late-night road trip. Liberty Mutual’s 24/7 support proved invaluable, ensuring James received prompt help and reinforcing the significance of accessible support in unforeseen circumstances.
Case Study #3: State Farm’s Local Agents Deliver Personalized Service
Alex, a car enthusiast, prioritized personalized service and sought insurance that resonated with his passion. Turning to State Farm with its network of local agents, Alex found a dedicated advisor who shared his enthusiasm for automobiles.
When a need arose for OEM parts, the local agent efficiently navigated the process, showcasing State Farm’s commitment to hands-on, personalized service and genuine understanding of individual preferences.
Car Insurance Companies That Offer OEM Parts Coverage: What’s the bottom line?
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. Now that you know more about car insurance companies that offer OEM parts coverage, use our free online quote tool below to compare multiple insurance companies in your area.
Frequently Asked Questions
What are OEM parts?
OEM stands for Original Equipment Manufacturer. OEM parts are vehicle components that are produced by the same manufacturer that made the parts originally installed in a vehicle. They are designed to meet the specifications and quality standards set by the manufacturer.
Why is OEM parts coverage important in car insurance?
OEM parts coverage in car insurance ensures that in the event of a covered claim, your insurance policy will cover the cost of using original manufacturer parts for repairs rather than aftermarket or generic parts. This is important for maintaining the quality, performance, and value of your vehicle.
Which car insurance companies offer OEM parts coverage?
Several car insurance companies offer OEM parts coverage, including Allstate, Liberty Mutual, State Farm, and others. It’s essential to explore their specific coverage options.
How can I compare car insurance companies that offer OEM parts coverage?
When comparing such companies, consider factors like coverage options, discounts, customer service, and online convenience. Utilize online comparison tools to evaluate quotes and find the best fit for your needs.
How can I determine if OEM parts coverage is right for me?
Assess your personal preferences and circumstances. Consider factors like your vehicle’s make and model, your budget, and the importance of using original manufacturer parts for repairs. Evaluate whether the added cost aligns with your priorities.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car 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 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.