Carrier vs. Carrier Comparisons
The best car insurance with original equipment manufacturer (OEM) coverage comes from Allstate, USAA, and Liberty Mutual.
OEM coverage pays for original parts during repairs, protecting your vehicle’s value. Many drivers with luxury or sports cars find this essential for vehicular maintenance and reliability.
| Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
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#1 | 25% | A+ | Claims Satisfaction | Allstate |
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#2 | 10% | A++ | Customer Service | USAA |
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#3 | 25% | A | RightTrack Program | Liberty Mutual |
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#4 | 25% | A++ | Various Discounts | Geico |
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#5 | 20% | A+ | Deductible Options | Nationwide |
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#6 | 17% | B | Cheap Rates | State Farm |
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#7 | 13% | A++ | Unique Coverage | Travelers |
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#8 | 10% | A+ | Roadside Assistance | Progressive |
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#9 | 25% | A | Loyalty Rewards | American Family |
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#10 | 20% | A | Great Add-ons | Farmers |
In this article, we'll explore the benefits of OEM coverage and highlight why these providers are some of the best car insurance companies that cover any car you drive.
Stop overpaying for OEM car insurance. Our comparison tool allows you to shop for free quotes from the top providers near you by entering your ZIP code.
What You Should Know
- OEM coverage ensures your vehicle is repaired with original manufacturer parts
- Allstate offers the best car insurance with OEM coverage starting at $82
- OEM coverage helps maintain your vehicle's value and performance over time
#1 – Allstate: Top Overall Pick
Pros
- Strong Claims Satisfaction: Allstate is known for smooth claims handling, especially with OEM coverage. See our Allstate review for details.
- Substantial Bundling Discounts: With a 25% discount for bundling policies, customers can save while securing original equipment manufacturer coverage.
- Diverse Coverage Options: Allstate offers various policy options that include OEM coverage, ensuring high-quality repairs for vehicles.
Cons
- Premium Costs: Allstate’s rates may be higher than some competitors, particularly affecting affordability for original equipment manufacturer coverage.
- Inconsistent Customer Service: Service quality varies, which might impact claims related to original equipment manufacturer coverage.
#2 – USAA: Best for Customer Service
Pros
- Outstanding Customer Experience: USAA consistently ranks high for service quality and claims satisfaction, particularly for original equipment manufacturer coverage.
- Extensive Savings Opportunities: Offers multiple discounts for military families, making OEM coverage more affordable. See our USAA review for details.
- Robust Coverage Features: Policies frequently include comprehensive OEM coverage, ensuring quality repairs and replacements.
Cons
- Eligibility Restrictions: Coverage is limited to military members and their families, restricting access to original equipment manufacturer coverage.
- Narrow Policy Selection: In some areas, the range of policies available may be limited, affecting choices for OEM coverage.
#3 – Liberty Mutual: Best for RightTrack Program
Pros
- Innovative RightTrack Program: This program promotes safe driving, leading to potential savings on original equipment manufacturer coverage.
- Extensive Savings Opportunities: A 25% discount for bundling policies enhances affordability for OEM coverage.
- Diverse Policy Options: Liberty Mutual provides a variety of plans that include effective OEM coverage for repairs. Check out our Liberty Mutual review for more.
Cons
- Claims Processing Delays: Some clients report slow processing times for claims, which can be frustrating for original equipment manufacturer coverage.
- Higher Average Rates: Premiums may be steeper than those of other insurers, impacting the cost-effectiveness of original equipment manufacturer coverage.
#4 – Geico: Best for Various Discounts
Pros
- Competitive Discounts: Geico is well-known for offering car insurance discounts on OEM coverage to government employees, first responders, and students.
- Significant Bundling Discounts: Our Geico renters insurance review shows how to maximize savings on OEM coverage when you bundle home or renters insurance.
- Efficient Online Tools: Provides a user-friendly platform for managing policies and accessing information about original equipment manufacturer coverage.
Cons
- Limited Customization Options: Some clients may find that policies lack the flexibility they desire regarding original equipment manufacturer coverage.
- Variable Claims Experiences: Feedback indicates inconsistencies in handling claims related to OEM coverage.
#5 – Nationwide: Best for Deductible Options
Pros
- Nationwide Private Client: This add-on includes OEM auto insurance deductibles up to $10,000.
- Customizable Coverage Solutions: Customers can tailor their policies, including specific features for original equipment manufacturer coverage.
- Substantial Bundling Savings: Offers a 20% discount for combining insurance policies, making OEM coverage more accessible. Learn more in our Nationwide review.
Cons
- Higher Premium Rates: Some customers might encounter elevated rates compared to other providers, impacting the cost of OEM coverage.
- Delayed Claims Processing: Reports of slower claims handling times can frustrate those needing OEM coverage.
#6 – State Farm: Best for Cheap Rates
Pros
- Affordable Rate Options: State Farm has cheap full coverage insurance with OEM starting at $174/month.
- Extensive Agent Network: A wide array of local agents provides personalized assistance for original equipment manufacturer coverage needs.
- User-Friendly Digital Tools: Features an intuitive app that simplifies policy management, including OEM coverage details. Read our State Farm review for more.
Cons
- Variable Financial Stability: A.M. Best recently dropped State Farm's financial rating to a B, which could impact OEM insurance claims.
- Limited Discount Opportunities: Fewer discounts compared to competitors may reduce overall savings on original equipment manufacturer coverage.
#7 – Travelers: Best for Unique Coverage
Pros
- Diverse Coverage Plans: Offers a wide selection of specialized policies that address various customer needs, including OEM coverage.
- Strong Financial Ratings: An A++ rating from A.M. Best indicates reliable claims handling and stability for OEM coverage. Find the full list in our Travelers review.
- Big Discounts for Safe Drivers: Travelers OEM parts coverage comes with 20% savings for safe and low-mileage drivers.
Cons
- Less Attractive Bundling Incentives: The bundling discount may not be as competitive as those offered by larger insurers for OEM coverage.
- Inconsistent Claims Processing: Customer feedback suggests that the processing times for claims may vary, impacting original equipment manufacturer coverage experiences.
#8 – Progressive: Best for Roadside Assistance
Pros
- Comprehensive Roadside Assistance: Offers extensive roadside services for those with OEM coverage. Get a complete view in our Progressive review.
- Budget-Friendly Premiums: Known for competitive rates, making original equipment manufacturer coverage more attainable for a broader audience.
- Excellent Online Services: Features a robust digital platform for easy policy management, including OEM coverage information.
Cons
- Variable Claims Processing: Some clients report delays when processing claims related to original equipment manufacturer coverage.
- Inconsistent Customer Support: Experiences with customer service may differ among policyholders, particularly for OEM coverage.
#9 – American Family: Best for Loyalty Rewards
Pros
- Engaging Loyalty Rewards Program: Provides rewards for long-term customers, including benefits related to original equipment manufacturer coverage.
- Significant Bundling Discounts: A 25% discount for bundling makes it more feasible for families to secure original equipment manufacturer coverage.
- Comprehensive (OEM) Coverage Options: Policies often include extensive OEM coverage to ensure high-quality vehicle repairs. Explore our American Family review.
Cons
- Limited Customization Choices: Some plans may not offer as much flexibility as larger insurers regarding original equipment manufacturer coverage options.
- Inconsistent Claims Processing: AmFam has been sued by consumers and state regulators for using improper parts on vehicles with original equipment coverage.
#10 – Farmers: Best for Great Add-ons
Pros
- Variety of Add-on Options: Farmers offers numerous add-ons, including valuable OEM coverage, for enhanced vehicle protection. Find additional info in our review of Farmers.
- Strong Local Agent Support: A wide network of agents provides tailored assistance for customers navigating original equipment manufacturer coverage.
- Comprehensive Discount Opportunities: Farmers offers a 20% discount for bundling policies, making OEM coverage more affordable.
Cons
- Average Premium Rates: While competitive, some customers may find Farmers’ rates less favorable compared to other insurers, impacting OEM coverage affordability.
- Variable Claims Processing Feedback: Customer reviews suggest inconsistencies in claims processing, which could affect OEM coverage experiences.
Shifting Gears to Affordable Car Insurance With OEM Coverage
What kind of car insurance do you really need? OEM coverage is only available with full coverage policies. USAA is the cheapest OEM car insurance company, starting at $170/month.
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
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$85 | $175 |
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$83 | $173 |
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$81 | $177 |
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$82 | $172 |
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$88 | $180 |
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$86 | $178 |
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$89 | $182 |
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$84 | $174 |
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$87 | $179 |
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$80 | $170 |
While it raises your monthly rates, full coverage auto insurance with OEM helps maintain your vehicle's value and guarantees higher-quality repairs.
Do you know the costs of having the wrong car insurance coverage? It’s important to explore all available options when getting quotes to ensure you find the best rates and coverage that fit your needs.
Comparing Discounts for OEM Car Insurance
You can save money on car insurance with original equipment manufacturer (OEM) coverage by exploring these key discounts:
- Safe Driver Discount: Rewarded for maintaining a clean driving record.
- Bundling Discount: Save by combining auto and home policies.
- Good Student Discount: Lower rates for students with strong academic performance.
- Safety Feature Discount: Discounts for vehicles with OEM safety features.
- Low-Mileage Discount: Savings for driving fewer miles than average.
Most of the top companies selling original equipment insurance policies offer these and many more discounts to help reduce rates.
| Insurance Company | Available Discount |
|---|---|
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New Car Replacement, Safe Driving Bonus, Multi-Policy, Accident Forgiveness |
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New Car Replacement, Multi-Policy, OEM Coverage, Safe Driver |
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Signal® App, New Car Replacement, Multi-Policy, OEM Coverage |
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OEM Coverage, Multi-Policy, Defensive Driving, Safe Driver |
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New Car Replacement, Multi-Policy, Accident Forgiveness, Safe Driver |
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Vanishing Deductible®, OEM Coverage, Multi-Policy, Accident-Free |
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OEM Coverage, Snapshot®, Multi-Policy, Continuous Insurance |
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Drive Safe & Save™, OEM Coverage, Multi-Policy, Accident-Free |
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OEM Coverage, New Car Replacement, Multi-Policy, Safe Driver |
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OEM Coverage, Multi-Policy, Loyalty, Safe Driver |
USAA has the best military car insurance discounts on OEM coverage, while Liberty Mutual, State Farm, and Farmers offer competitive usage-based discounts.
Your Guide to Finding the Best OEM Car Insurance
The best car insurance with original equipment manufacturer (OEM) coverage comes from Allstate, USAA, and Liberty Mutual, which are known for their excellent customer service and comprehensive insurance coverage, including what is comprehensive insurance coverage tailored to your needs.
When looking for the best car insurance with original equipment manufacturer (OEM) coverage, it’s essential to know that this coverage ensures your vehicle is repaired with original parts, maintaining its value and performance.
OEM coverage helps maintain your car's integrity and performance by guaranteeing that repairs are made using original parts from the manufacturer.
Our free online comparison tool below allows you to compare cheap car insurance quotes instantly just enter your ZIP code to get started.
Frequently Asked Questions
What is OEM car insurance?
OEM car insurance covers repairs guarantees that your vehicle is repaired with original parts, maintaining its value and performance.
Which is the best car insurance with OEM coverage?
The best auto insurance with original equipment manufacturer (OEM) coverage often includes options like Allstate, USAA, and Liberty Mutual.
Does car insurance have to use OEM?
No, but many policies will cover Original Equipment Manufacturer (OEM) parts if you ask. You will be responsible for any extra costs if you don't have an OEM rider on your policy.
Do I need OEM parts for my car?
OEM parts are recommended for quality, compatibility, and maintaining warranty coverage, though they may cost more than aftermarket options.
Who are the top 10 car insurance companies?
The top 10 insurance companies by market value are State Farm, Geico, Progressive, Allstate, USAA, Farmers, Nationwide, American Family, Liberty Mutual, and Travelers. Compare that to our list of the best car insurance companies.
What are the top three types of car insurance?
Liability, collision, and comprehensive coverage are the three most common types of car insurance. Full coverage policies combine all three.
Which insurance cover is best for a car?
Full coverage car insurance is best for your vehicle, especially if you want original equipment coverage.
What car insurance company offers the cheapest full coverage with OEM coverage?
USAA has the cheapest car insurance with original equipment manufacturer (OEM) coverage starting at $170/month.
How do I know if a car part is OEM?
Check for a manufacturer-specific part number and branded packaging to verify if a car part is OEM. OEM parts often include documentation, like certificates or invoices, and should be purchased from authorized dealers or trusted retailers that clearly label them as OEM.
Is OEM car insurance worth it?
Insuring original market parts is often necessary if you drive a sports, luxury, or exotic car in order to protect the appreciation of these vehicles.