Best Auto Insurance Companies That Offer OEM Parts Coverage in 2025 (Top 10 Low-Cost Providers)

State Farm, Geico, and Progressive are the best auto insurance companies that offer OEM parts coverage.

Although it doesn’t offer a specific OEM add-on, State Farm is our top pick because it gives most drivers the right to choose OEM or aftermarket parts during repairs.

Our Top 10 Picks: Best Auto Insurance Companies That Offer OEM Parts Coverage

Read on to learn more about OEM and aftermarket parts coverage, including what OEM stands for and why it might be important to you. Then, enter your ZIP code into our free comparison tool to see rates in your area.

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#1 – State Farm: Top Pick Overall

Pros

• Right to Choose: State Farm doesn’t offer specific original parts coverage, but it does offer customers the right to choose between OEM and aftermarket parts during repairs.
• Extensive Network of Local Agents: State Farm has an extensive network of local agents for personalized service.
• Comprehensive Coverage: It may not have original manufacturer parts coverage, but State Farm offers a variety of robust coverage options. Explore your coverage options in our State Farm auto insurance review.

Cons

• Digital Experience Lacking: State Farm’s online and mobile tools are not as advanced as some competitors.
• Claims Satisfaction Issue: Some customers report that State Farm is inconsistent in handling their claims.

#2 – Geico: Best for Affordable Auto Insurance Rates

Pros

• Competitive rates: Geico is usually one of the cheapest car insurance providers on the market. See how much you might pay for your coverage in our Geico auto insurance review.
• User-Friendly Digital Tools: Manage your policy with Geico’s user-friendly online platforms, including its website and mobile app.
• Solid Discounts: Geico offers 16 discounts, including savings for safe driving and bundling policies.

Cons

• Coverage Limitations: You can’t buy specific Geico OEM parts coverage, but you can request repairs using original parts in most cases.
• Claims Process Problems: Many Geico customers complain that the claims process takes an excessively long time to resolve.

#3 – Progressive: Best for OEM Parts Coverage for Motorcycles

Pros

• Competitive Rates: Progressive typically offers lower premiums than most other insurance providers.
• Budget-Friendly Tools: Progressive’s Name Your Price tool allows you to enter your monthly budget to see coverage options that match.
• Generous Discounts: With numerous discounts like multi-car and safe driver savings, there are plenty of ways to find affordable OEM auto insurance.

Cons

• Customer Loyalty: Progressive struggles with its customer loyalty ratings despite offering affordable rates. See what Progressive is doing to make its service better in our review of Progressive auto insurance.
• OEM Coverage Limitations: You can buy Progressive OEM parts coverage, but only for motorcycles.

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#4 – Allstate: Best for Full Coverage Policies

Pros

• Opportunities to Save: Allstate offers 12 discounts to help you find an affordable OEM policy, including safe driving and multi-policy discounts. See all your opportunities to save in our Allstate auto insurance review.
• Full Coverage Options: Allstate has a variety of coverage options to meet any needs. While it doesn’t offer a specific OEM add-on, you can add extended vehicle care to your policy.
• Local Agents: With a focus on providing face-to-face coverage, Allstate maintains one of the largest networks of agents in the country.

Cons

• Higher Premiums: Whether you want original replacement parts coverage or not, Allstate is almost always one of the most expensive insurance options. See Allstate averages in our review of Allstate auto insurance.
• Weak Digital Options: Allstate’s online tools and mobile app are not the most advanced on the market, which may leave some users disappointed.

#5 – USAA: Best for Military Families

Pros

• Superior Customer Service:  USAA consistently gets high customer satisfaction ratings, especially regarding its claims handling.
• Automatic OEM Parts Consideration: If you drive a newer vehicle, USAA usually includes repair estimates with OEM and aftermarket parts.
• Military Coverage: As a provider focused on serving military personnel, USAA offers a variety of coverage options designed with the military in mind. Learn more in our USAA auto insurance review.

Cons

• Membership Eligibility: USAA auto insurance is only available to military members, veterans, and their families.
• Limited Physical Locations: USAA doesn’t have as many brick-and-mortar stores as other companies can offer, so you’ll have to speak with representatives over the phone.

#6 – Nationwide: Best for UBI Savings

Pros

• SmartRide: Save up to 40% on your car insurance by enrolling in Nationwide’s UBI program, SmartRide. If a low-mileage plan would suit you better, Nationwide also offers SmartMiles.
• Dedicated OEM Parts Replacement Coverage: Nationwide sells an OEM car insurance add-on, but it’s only available to drivers who buy comprehensive and collision coverage.
• Positive Customer Service Reviews: Nationwide generally receives positive reviews for its customer support and claims resolution.

Cons

• Average Rates: Nationwide is not the most expensive option for car parts insurance, but it’s also not the cheapest.
• Limited Availability: Nationwide currently sells insurance in just 47 states. See if you can purchase coverage where you live in our Nationwide auto insurance review.

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#7 – Farmers: Best Selection of Auto Insurance Discounts

Pros

• Customizable Coverage Options: Farmers gives you ample ways to customize your coverage, including add-ons like customized equipment coverage and roadside assistance.
• Extensive List of Discounts: Farmers has one of the largest lists of discounts on the insurance market. With 23 ways to save, you’re bound to find a few ways to lower your insurance costs.
• Local Agents: Get access to local agents for personalized service through Farmers’ network of agents.

Cons

• Higher Prices: Despite offering so many discounts, Farmers can be more expensive for some drivers. See how much the average driver pays in our Farmers auto insurance review.
• Digital experience: Farmers’s digital insurance experience leaves much to be desired if you want a more modern take on insurance.

#8 – Liberty Mutual: Best for Diverse Coverage Options

Pros

• Diverse Coverage Options: Liberty Mutual offers add-ons that can be hard to find elsewhere, like better car replacement and a lifetime repair guarantee.
• Dedicated OEM Coverage: Liberty Mutual is one of the few companies that offer dedicated OEM endorsement auto insurance.
• Customer Service: Most customers agree that Liberty Mutual has helpful, friendly, and professional representatives. Read more about what customers have to say in our Liberty Mutual auto insurance review.

Cons

• Claims Resolution Issues: Although it typically gets positive reviews, Liberty Mutual struggles with its claims resolution satisfaction.
• Digital Tools: While you can get an online insurance quote from Liberty Mutual, it lacks other online options that you can find at more tech-savvy companies.

#9 – American Family: Best for OEM Parts Add-On Coverage

Pros

• Auto Parts Insurance: American Family is one of the few companies that offers dedicated OEM parts replacement coverage.
• Costco Policies: American Family manages auto insurance policies for Costco through its subsidiary CONNECT.
• Plenty of Ways to Save: There are 18 discounts available from American Family, which means you’ll likely find multiple ways to save.

Cons

• Limited Availability: American Family is only available in 19 states. See if your state has coverage in our American Family auto insurance review.
• Average Quotes: While it’s an affordable option for many drivers, people with low credit scores can usually find cheaper coverage elsewhere.

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#10 – Travelers: Best Customer Service

Pros

• OEM Parts Coverage: While it doesn’t have a specific add-on and your insurance wants to use aftermarket parts, you can elect OEM parts for most repairs after an incident covered by your Travelers policy.
• Superb Customer Service: Most reviews agree that Travelers offers an excellent customer service experience.
• Financial Stability: Travelers has an A++ from A.M. Best, which means insuring new parts on your car should be an affordable option after a covered incident.

Cons

• Price Variability: Travelers rates can be unpredictable, with drivers in some regions paying more than others.
• Limited Mobile App: The Travelers mobile app doesn’t have as many features as many drivers have come to expect. Explore what the Travelers app can do in our review of Travelers auto insurance.

OEM Parts Auto Insurance Rates

Adding OEM coverage can increase the overall price of your insurance because your company will have to pay for more expensive repairs. Most insurance companies also require you to purchase more than the minimum auto insurance required in your state, which also increases rates.

Check below to see how much you might pay for insurance with OEM coverage from our top companies.

Auto Insurance Monthly Rates by Coverage Level & Top Providers of OEM Parts Coverage

Rates can be high, but there are plenty of ways to save on your coverage. One of the easiest ways to cut costs is to find car insurance discounts. Most companies offer a variety of discounts to help you save, and it’s important to find the company with the best selection for you. You can find a list of discounts you might qualify for below.

Other ways to save include lowering your coverage as much as possible, keeping your driving record clean, and comparing multiple quotes. You can visit individual company websites to fill out quote request forms to see how much you might pay.

Requesting individual quotes can be time-consuming. If you’d rather get multiple quotes at once, you can use a free online comparison tool.

Original Parts Replacement Coverage

Original parts replacement — or original equipment manufacturer parts replacement — is a type of car insurance add-on you can buy for your policy.

OEM insurance guarantees that aftermarket parts won’t be used in your car repairs. Instead, your mechanic will use original parts designed specifically for your car.

An auto accident is never fun, but GEICO’s Auto Repair Xpress program makes the claim process as smooth as possible for you. Here’s how. https://t.co/aDY32iIwSB

— GEICO (@GEICO) October 22, 2021

It can be hard to find insurance companies that use OEM parts because they’re more expensive. Insurance companies prefer to use aftermarket parts to keep costs down. If your provider doesn’t offer OEM coverage, you may have to consider switching car insurance companies.

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Who Should Buy Original Equipment Manufacturer Coverage

When you’re considering how to get auto insurance, OEM coverage is a valuable addition to a policy. However, it’s not the best choice for everyone. You should consider buying OEM insurance for the following reasons:

• You Want the Guarantee: While aftermarket parts are designed to work with multiple vehicles, OEM parts are perfectly suited for your car. Additionally, OEM parts look the same and don’t affect the value of your car as much.
• You Want to Skip the Hassle: Drivers usually need to research their options before using an aftermarket part. You always know that an OEM part will work in your car.
• You Want a Warranty: OEM parts usually come with a one-year warranty. The warranty covers replacement costs if the part breaks.

The most common vehicles people purchase OEM insurance for are classic or new, expensive cars. If you don’t have a car that’s either new or a classic, buying OEM insurance is probably not worth the cost. Some insurance companies won’t even sell you OEM insurance if your car is too old.

When Car Insurance Companies Deny OEM Parts Insurance

Most people say they’d prefer OEM parts over aftermarket, but original parts aren’t always available. Even when they are available, they can be prohibitively expensive.

If you decide you want OEM coverage and find a company that sells it, you might not be approved. Alternatively, insurance companies might deny your request for OEM parts repairs for the following reasons:

• OEM Parts Can’t be Found: Once an OEM part is off the market, you won’t be able to use it for repairs. Insurance companies simply can’t make parts appear when they’re no longer sold.
• Your Car is Too Old: Aside from classic cars, which have different rules, your vehicle might be too old for OEM coverage. Ages vary by company, but some will deny your request even if your car is only three years old.

Every company has its own requirements for whether you qualify for OEM insurance, but people are usually eligible when their car is relatively new. Alternatively, you might be able to find OEM coverage if you get your insurance from an auto insurance company for classic cars.

Find the Best Auto Insurance Companies That Offer OEM Parts Coverage

Finding OEM insurance can be tricky since most companies do not offer it. If it’s important to you that only OEM parts are used in any repairs your car might need, it’s worth the search. However, you might not need to buy it — most of the best auto insurance companies let customers choose OEM parts if they pay the difference.

If you want OEM coverage, the best place to start your search is with companies that specifically offer it. Make sure to enter your ZIP code in our comparison tool to compare rates to find the most affordable coverage possible.

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