Best Auto Insurance With OEM Parts Coverage in 2026 (Top 10 Companies Ranked)

Find 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.

Our Top 10 Company Picks: Best Car Insurance With OEM Parts Coverage

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?

Enter your ZIP code into our free quote tool to find the best auto insurance providers for your needs and budget.

#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?“

#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.

#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.

#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 insurance coverage replaces damaged parts on your car with those made by the original manufacturer instead of cheaper aftermarket parts. These parts are designed to fit your car perfectly, helping to keep it running smoothly, safely, and last longer. While this coverage may cost extra, it’s especially useful for newer or luxury cars that need high-quality parts.

Car Insurance Monthly Rates With OEM Parts Coverage

This coverage is good for drivers who want to protect their car’s warranty or resale value. Aftermarket parts insurance might not meet the same standards as OEM parts insurance, and original parts replacement coverage makes repairs easier by avoiding mismatched parts. This brings peace of mind, knowing your car will be as close to its original condition after an accident.

However, OEM repairs often aren’t part of basic insurance policies and might need to be added. The extra cost can raise premiums, which may not be worth it for older cars. Consider your driving habits, car type, and how long you plan to keep your car when deciding if this coverage is a good choice. Always check your policy and talk to your insurer to understand the details.

Read More: Does state auto insurance companies offer OEM parts coverage?

OEM Parts Coverage

OEM Parts Coverage provides insurance for Original Equipment Manufacturer (OEM) parts when repairing or replacing vehicle components. OEM parts are made by the same manufacturer as the original parts, ensuring a perfect fit and similar quality. This coverage helps maintain the vehicle’s integrity and resale value.

The main benefit is that OEM parts guarantee high-quality replacements, unlike cheaper aftermarket parts, which may not fit as well or last as long. For luxury or high-performance vehicles, OEM parts ensure repairs meet manufacturer standards.

However, not all insurance policies include OEM parts coverage. Some insurers offer it as an optional add-on for an extra premium. Review your policy to understand the coverage, as local laws or conditions may limit its use in certain cases.

Read More: Does country financial offer OEM parts coverage?

Why OEM Parts Coverage

OEM parts insurance helps keep your car’s value and performance strong. Using original replacement parts coverage 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.

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.

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 ensures your car gets real, original replacement parts after an accident. Whether you’re exploring does car insurance covers aftermarket parts or learning how to get OEM parts from insurance, understanding your policy is key.

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 insurers you’re responsible, which may help lower premiums for insurance aftermarket parts.

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, like restrictions on insurance for performance car repair or aftermarket replacements.

Take time to go through your policy and talk to your insurance agent if anything is unclear. Learn whether your insurer covers aftermarket parts to lower insurance premium or if they focus exclusively on OEM replacements.

When you know your policy, you can make smarter decisions about repairs. For instance, if your plan excludes aftermarket coverage, you can ensure original parts are requested when filing a claim.

Filing a Claim for OEM Parts

Being prepared makes filing a claim for OEM parts easier. Gather documents like proof of purchase and photos of the damage to streamline the process. If you’re unsure, ask which insurance companies cover OEM parts or seek guidance on does insurance cover aftermarket parts.

When submitting your claim, clearly explain the damage and how it happened. Staying organized and prompt ensures your car is fixed quickly, whether through OEM or insurance aftermarket parts.

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 cases highlight how insurers like Progressive, Geico, and Allstate excel at offering insurance for performance car repair and reliable OEM coverage. Discover more in our guide titled “Car Repair Estimate: How to Get Money to Repair Your Vehicle.”

Find out more about car parts insurance companies or visit an auto parts store insurance specialist to explore your options. Enter your ZIP code into our free quote tool today.