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    by Lauren Fix Auto & Finance Contributing Editor

    Car warranties help provide financial security and peace of mind by offsetting the cost of expensive repairs. Our research team vetted 33 car warranty companies that are rated by more than 22,597 customers. Read our guide to choose the best car warranty company by comparing coverage, cost and customer experience.

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      AUTHORIZED PARTNER
      Available in 20149
      Endurance Auto Warranty
      Read 6,496 Reviews

      Direct administrator and obligor for most types of plans. Covers vehicles up to 20 years old and with up to 200,000 miles. Waiting period is 30 days or 1,000 miles. Offers 30-day refund guarantee. Not available in California.

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        AUTHORIZED PARTNER
        Available in 20149
        olive
        Read 55 Reviews

        Accepts cars up to 10 years old years with up to 140,000 miles. Offers three plans with flexible deductibles and fixed monthly pricing. No waiting period or yearly mileage restrictions up to 185,000 miles. Available nationwide.

        Get Pricing Call Now Toll Free (646) 760-8217
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          AUTHORIZED PARTNER
          Available in 20149
          CarShield
          Read 3,734 Reviews

          Markets warranty plans for cars and motorcycles backed by American Auto Shield. Coverage, deductibles and payments vary by vehicle age and mileage. Contracts are transferable and come with a 30-day return policy.

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            AUTHORIZED PARTNER
            Available in 20149
            CARCHEX
            Read 3,389 Reviews

            Plans available for cars over 250,000 miles and up to 20 years old. Get started with a small down payment and finance the rest over six, 12, 18 or 24 months. Comes with a 30-day return policy.

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              AUTHORIZED PARTNER
              Available in 20149
              Protect My Car
              Read 3,295 Reviews

              Offers plans for cars up to 10 years old with up to 125,000 miles. $100 to $200 deductibles. Terms from 36 to 48 months. Discounts for military members and students. Waiting period is 30 days or 1,000 miles.

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                AUTHORIZED PARTNER
                Available in 20149
                Uproar.car
                Read 68 Reviews

                Provides vehicle service contracts. Transparent, month-to-month pricing starting at $14.99 per month. No cancellation fees. Optional coverages available. Choose your mechanic. Pays repair shops directly.

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                  AUTHORIZED PARTNER
                  Available in 20149
                  Toco Warranty
                  Read 401 Reviews

                  Offers vehicle service contracts for cars up to 20 years old and with 175,000 miles in most states. Plans available with no down payment and three-year terms. Waiting period is 30 days and 1,000 miles.

                  Get Pricing Call Now Toll Free (800) 261-5604
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                    AUTHORIZED PARTNER
                    Available in 20149
                    Concord Auto Protect
                    Read 614 Reviews

                    Direct provider of three tiers of coverage. Offers 0% interest payment programs and a 30-day refund policy. Available in all 50 states.

                    Get Pricing Call Now Toll Free (877) 773-7775
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                      AUTHORIZED PARTNER
                      Available in 20149
                      AutoAssure
                      Read 6 Reviews

                      Choose from Platinum Exclusionary, Gold Component, Powertrain Plus and Powertrain Basic protection plans. Accepts vehicles with up to 100,000 current miles on them. Plans have a 30-day return period.

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                        AUTHORIZED PARTNER
                        Available in 20149
                        Infinite Auto Protection
                        Read 136 Reviews

                        Offers three coverage options for used cars. Guarantees 100% payment of all covered repairs, less the deductible. Waiting period is 30 days and 1,000 miles.

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                          Our 5 top extended car warranty picks of 2021

                          Whether or not an extended car warranty is worth it depends on a number of factors, including its cost, coverage and average customer satisfaction.

                          Not all vehicle service contracts are created equal, so it’s important to vet companies and look for any red flags before signing on the dotted line. To make it easier for you, we compared top providers to come up with a shortlist of our top extended car warranty providers.

                          How we chose

                          In order to determine our top picks for extended auto warranties, we started with a list of 33 providers and compared their customer ratings and review totals on ConsumerAffairs. For each company, we looked at the ratio of 5-star to 1-star reviews and only selected companies with a ratio above 2-1.

                          From there, we narrowed our list down to only include companies that received at least 300 5-star reviews in the past year and had at least a 4-star rating overall. We then compared our top picks by looking at their plans, additional services and availability.

                          Our pick for choosing your own mechanicToco WarrantyAUTHORIZED PARTNER
                          • Mileage: Up to 225,000
                          • Terms: Pay as you go
                          • Available plans: 3

                          Toco Warranty offers pay-as-you-go coverage. It has three auto warranty plans for cars of various ages and mileages:

                          • Blue: Toco’s Blue plan is for cars made in or after 2000 that have between 100,000 and 175,000 miles.
                          • Yellow: Toco’s Yellow plan is for cars from 2011 or after with 60,000 to 100,000 miles.
                          • Orange: Toco’s Orange plan is for vehicles from 2016 or later with up to 60,000 miles.

                          Unlike most other warranty providers, Toco doesn’t have set term lengths or a required down payment. Instead, you’ll have set monthly payments that allow you to cancel service at any time. However, there may be a cancellation fee. Toco also lets you work with any licensed mechanic rather than having a set network.

                          Restrictions: Toco is not available in some states, including Alaska, Missouri and Washington. Toco does offer mechanical breakdown insurance in California, though. Repairs must be made at a licensed repair facility to qualify for coverage. If you cancel your service with Toco, you may have to pay a cancellation fee.

                          Key benefits:

                          • Three simple plans
                          • No long-term contracts
                          • No down payment required
                          • Vehicles can have up to 225,000 miles
                          Our pick for nationwide availabilityCARCHEXAUTHORIZED PARTNER
                          • Mileage: Up to 250,000
                          • Terms: Up to 10 years
                          • Available plans: 16

                          Each of CARCHEX’s 16 plan options provides a base level of powertrain coverage, meaning they all cover the most essential components of your car’s engine, transmission and drive axle(s). Its Titanium plan provides the most comprehensive bumper-to-bumper coverage, though.

                          While CARCHEX offers 16 plans in total, its plans can be broken down into the following coverage categories:

                          • Bronze Coverage: Covers major systems in your vehicle, like the engine and transmission.
                          • Silver Coverage: A more inclusive version of basic powertrain coverage.
                          • Gold Coverage: Comprehensive coverage for all major systems.
                          • Platinum Coverage: Covers stated components as well as all major systems.
                          • Titanium Coverage: CARCHEX’s highest level of coverage, providing maximum breakdown protection.

                          In addition to mechanical coverage, CARCHEX plans may cover other costs that accompany a breakdown, like roadside assistance, towing or rental car reimbursement. Emergency fuel delivery and locksmith services are also available.

                          Restrictions: Repairs must be made at an ASE-certified repair facility. CARCHEX also sets a maximum 24-month payment schedule for its service contracts, which means you have to pay your policy off in full during that time period, regardless of the term length.

                          Key benefits of Bronze Coverage:

                          • Available in California and nationwide
                          • Roadside assistance
                          • Rental car reimbursement
                          • 30-day money-back guarantee
                          Our pick for used carsEndurance Auto WarrantyAUTHORIZED PARTNER
                          • Mileage: Up to 200,000
                          • Terms: Vary; typically 5 years
                          • Available plans: 6

                          Endurance offers six extended auto warranty plans, including:

                          • Secure: Coverage for select components of your vehicle, such as lubricated parts of the engine, transmission and water pump.
                          • Secure: A more inclusive version of Secure coverage.
                          • Secure: Coverage for vehicles with high mileage.
                          • Superior: Comprehensive stated component coverage.
                          • Supreme: Maximum breakdown protection coverage with a short list of exclusions.
                          • Advantage: Extensive component coverage with coverage for maintenance.

                          Endurance provides coverage for older cars, which can sometimes be difficult to get from other providers. The Select Premier plan covers cars up to 20 years old and with up to 150,000 miles.

                          In addition to roadside assistance and rental car coverage, Endurance also offers trip interruption reimbursement, which can help cover lodging if you're stranded far from home.

                          Restrictions: Repairs must be made at an ASE-certified repair facility. Rental car reimbursement is available but limited to a maximum of $150. Endurance plans are transferable, but a transfer fee may apply.

                          Key benefits:

                          • 36-month payment period
                          • Coverage for older, high-mileage vehicles
                          • Roadside assistance
                          • Trip interruption reimbursement
                          Our pick for high-mileage vehiclesProtect My CarAUTHORIZED PARTNER
                          • Mileage: Up to 300,000
                          • Terms: 4 years
                          • Available plans: 3

                          With coverage for vehicles that have up to 300,000 miles, Protect My Car offers the highest mileage coverage out of our top picks. Protect My Car is an extended car warranty broker, which means it works on your behalf to find a provider that offers the coverage you need. Protect My Car administers its policies, so you won’t have to worry about anything getting lost in translation with a middleman.

                          Protect My Car is a good choice for older cars and high-mileage vehicles. Its available coverage plans are summed up below:

                          • Driveline: Offers engine, transmission and drive axle coverage.
                          • Select: Adds coverage for front and rear suspensions, as well as select brake components.
                          • Supreme: Comprehensive plan with an option for navigation system coverage.

                          The company offers three traditional plans and three plans designed specifically for older cars. Its most comprehensive plan, Supreme, covers engines, transmissions, drive axles, fuel systems, electrical systems, heating and cooling systems, brakes, steering components and suspensions. Roadside assistance is available in some plans, and all plans include a maintenance program that covers oil changes and tire rotations.

                          Restrictions: Repairs must be made at an ASE-certified repair facility. Protect My Car is not available in California, Florida, Missouri, Oklahoma or Washington. To qualify for its three standard plans, your car must be under 13 years of age and have fewer than 150,000 miles, but specialty coverage is available for older vehicles.

                          Key benefits:

                          • Low down payments
                          • Coverage for ride-share vehicles
                          • High-mileage coverage available
                          • Covers older vehicles
                          • Maintenance program included
                          Our pick for flexible coverageCarShieldAUTHORIZED PARTNER
                          • Mileage: Up to 200,000
                          • Terms: Unlimited terms available
                          • Available plans: 6

                          CarShield offers six contract options, ranging from typical powertrain plans to more comprehensive policies. Plans can include coverage for your air conditioning system, fuel system, starter, alternator, power windows, water pump, steering components, suspension, brakes, electrical system, radiator, audio and GPS. Rental car reimbursement and roadside assistance, including towing, are included in some plans. CarShield’s plan options include:

                          • Silver: Basic powertrain coverage.
                          • Gold: Coverage for major and minor components, like your engine, transmission, alternator and starter.
                          • Platinum: Coverage for vehicles with high mileage.
                          • Diamond: The most comprehensive coverage offered by CarShield.
                          • Aluminum: Coverage for electrical and computer components.
                          • Motorcycle/ATV: Coverage for motorcycles and other special vehicles.

                          CarShield also offers new car plans and coverage for motorcycles and all-terrain vehicles, which is less common. The company writes contracts in both English and Spanish.

                          Restrictions: Repairs must be made at an ASE-certified repair facility.

                          Key benefits:

                          • Plans are transferable
                          • Motorcycle coverage is available
                          • Roadside assistance
                          • Rental car reimbursement

                          What is a car warranty?

                          A car warranty is a contract between you and a company, often your dealership or manufacturer, to cover repairs within a specific period of time or mileage, typically three years or 60,000 miles. Eventually, the dealer's or manufacturer's car warranty expires. At this point, it’s often a good idea to purchase an extended car warranty that provides coverage for repairs and replacements beyond the initial manufacturer’s warranty.

                          Auto warranties typically do not cover theft, damage caused by natural disasters or vandalism. You can purchase a plan that only covers the major systems on your vehicle or a full-coverage plan, sometimes called an exclusionary contract. Car warranties are also known as vehicle service agreements or extended auto warranties.

                          What does a car warranty cover?

                          If you have an engine or transmission failure, there’s a high likelihood a full-coverage extended warranty covers the needed repairs. The most comprehensive car warranties cover all parts of the car except for wear-and-tear items that require regular replacement, like windshield wipers or tires. Basic car warranties cover the most essential parts and systems that keep the car running.

                          How to maintain car warranty coverage

                          Vehicle service contract agreements require the vehicle owner to perform routine maintenance recommended by the auto manufacturer. Failing to do so voids the contract. Most vehicle service contracts require customers to take care of the following maintenance in order to qualify for coverage:

                          • Change the oil: A single delayed oil change is unlikely to void a warranty, but repeated misses could leave you facing a full bill on a major system repair or replacement.
                          • Rotate the tires: If a car has fewer than 36,000 miles on it, oil changes and tire rotations might be the only maintenance the vehicle needs.
                          • Change the filters: Bad filters can cause buildup that impacts your engine, transmission, intake and other essential systems. It is crucial to clean or change filters regularly.
                          • Conduct system checks and follow service schedules: Regular testing and visual inspections can catch issues before they become significant. These are typically part of your vehicle’s recommended maintenance schedule.
                          • Use recommended gasoline type: Every vehicle requires a specific octane rating to help its engine get its best performance. Using the wrong octane level or a lower octane rating than is specified can cause engine damage and void the warranty.

                          For more information on how to maintain your vehicle, look at the owner’s manual from the manufacturer and take note of the maintenance schedule and suggested repair services. Keep the receipts from these repairs as proof of maintenance.

                          Ask your provider if there are any rules against performing maintenance work yourself. Keep track of all maintenance records and receipts.

                          What is not covered in a car warranty?

                          Not all extended auto warranties cover the vehicle from bumper to bumper, so it’s essential to understand what’s covered by different car warranty companies when buying an extended auto warranty. Most warranties do not cover paint, your car’s interior or issues that result from normal wear and tear. Warranties may or may not cover cooling systems and electronic components. Be sure to read the fine print and choose a plan with the coverage you need. Also, be aware of the car warranty’s requirements — some warranties require auto repairs from mechanics within a specific network, for example. Last of all, an auto warranty doesn’t cover known defects undergoing a recall — the responsibility falls to car manufacturers to fix those issues.

                          Car warranty coverage restrictions

                          It’s standard across the industry that extended auto warranties purchased separately from the manufacturer's warranty cannot be used until 30 days after purchase and until the vehicle has been driven 1,000 miles. This policy prevents people from buying a vehicle service contract only after a problem develops.

                          Car warranty vs. insurance

                          Many people wonder if car insurance is enough to cover damage to their vehicles. Car insurance covers damage from accidents, theft and extreme weather, but it doesn’t cover damage due to manufacturer error, such as a faulty air conditioner or engine. For more information, read about the differences between car warranties and insurance.

                          Types of car warranties

                          There are several types of car warranty products available, ranging from comprehensive bumper-to-bumper warranties to basic drivetrain service contracts and warranties that cover highly specific defects. When buying an extended car warranty, also consider opting for mechanical breakdown insurance or an additional maintenance or wear-and-tear plan. These plans help keep your vehicle on the road even longer, even if it has more than a hundred thousand miles.

                          Bumper-to-bumper warranty
                          Often called an exclusionary warranty or new car warranty, a bumper-to-bumper warranty covers everything on a car except items that need repairs and replacements due to normal wear and tear. These warranties cover components like air conditioning, audio systems, vehicle sensors, fuel systems and major electrical components. Most policies exclude regular maintenance like adding fluids and oil changes, but a few brands have separate free-maintenance provisions. These types of warranties usually expire faster than powertrain warranties.

                          Good for: Drivers looking for comprehensive coverage

                          Powertrain warranty
                          A powertrain warranty typically covers the engine, transmission and any other moving parts that lead to the wheels, including the driveshaft and constant velocity joints. Some automakers and car warranty companies also bundle seatbelts and airbags into their powertrain warranties. With a few exceptions, powertrain warranties don't cover regular maintenance like engine tuneups and tire rotations.

                          Good for: Drivers looking for intermediate coverage

                          Drivetrain warranty
                          Drivetrain warranties cover the transmission, driveshaft, axles and wheels but do not cover the engine. Drivetrain warranty coverage usually lasts longer than a powertrain warranty’s coverage.

                          Good for: Drivers looking for the most basic coverage

                          Car maintenance warranty
                          Car maintenance warranties offer optional extended service or coverage for air filter replacement, oil changes, tuneups and similar services. This sets them apart from traditional car warranties, which do not cover these maintenance services. Make sure to read all the details when purchasing this package. Sometimes included with new car purchases, maintenance packages are available from dealerships and as additions to vehicle service contracts.

                          Good for: Drivers who want basic car maintenance covered

                          Wear-and-tear warranty
                          Wear-and-tear warranties cover expected damage to upholstery, interior and paint. These auto protection plans may also cover cleaning, issues resulting from normal use and tire repairs and replacements. Wear-and-tear plans may be especially appealing to those leasing a vehicle because the person leasing the car is responsible for the cost of these repairs when the lease ends. Read the terms carefully to understand what's covered.

                          Good for: Drivers leasing a vehicle

                          Used car warranty
                          A used car warranty is any type of extended warranty for a used vehicle. Several levels of coverage are available, including exclusionary, powertrain and drivetrain. Researching a used vehicle’s history is helpful when considering whether to purchase a used vehicle warranty. Used cars with more than 250,000 miles have a low likelihood of qualifying for a used vehicle warranty, but some companies do offer coverage for these cars.

                          Good for: Drivers wanting to save on repairs needed for a used car

                          Wrap warranty
                          If your vehicle has an existing powertrain warranty, a wrap warranty brings coverage to the rest of the car, effectively elevating the warranty from powertrain to bumper-to-bumper coverage.

                          Good for: Drivers with an existing powertrain warranty who want more coverage

                          Anti-perforation warranty
                          Anti-perforation warranties cover corrosion or rust on the metal body of a vehicle.

                          Good for: Drivers concerned about paying for repairs caused by corrosion

                          Dealer warranty
                          A dealer warranty is any warranty that originates from the dealership where you bought your car. Dealer warranties are convenient for bundling into the car purchase, but you may be able to find a better deal by researching third-party car warranty companies.

                          Good for: Drivers buying a car from a dealership, although we recommend researching other car warranty companies

                          Manufacturer’s warranty
                          Car manufacturers typically include a manufacturer's warranty with the cars they build as a way of backing up their products. This means new cars have immediate coverage for a limited time.

                          Good for: Drivers purchasing new cars

                          How much do extended car warranties cost?

                          Extended car warranties tend to cost between $350 and $1,000 for each year of coverage. Basic powertrain warranties cost less, while comprehensive, bumper-to-bumper warranties cost more. Some plans have $0 deductibles, but these come with higher premiums. Deductibles can be $250 or more.

                          You can usually get a quote for extended auto warranty coverage by visiting a company’s website and filling out an inquiry form. The quote you receive from an extended auto warranty company should depend on a few factors, including your vehicle’s make, model, condition and location. See the table below for information on monthly payments, deposits and deductibles for comprehensive plans from Endurance, CARCHEX, Protect My Car and CarShield.

                          endurance logocarchex logoprotect my carcarshield logo
                          Authorized Partner
                          PlanSupreme package*Titanium package*Supreme package*Diamond package*
                          Coverage up to4 years/95,000 miles6 years/125,000 miles5 years/100,000 miles4 years/200,000 miles
                          Deposit$130$0$249$295
                          Monthly payments$100/24 months$196/18 months$156/30 months$100/24 months
                          Deductible$100$100$100$100
                          *Quotes for extended auto warranties are based on a 2015 four-door SUV with 40,000 miles.
                          endurance logoSupreme package*4 years/95,000 miles$130$100/24 months$100
                          carchex logoTitanium package*6 years/125,000 miles$0$196/18 months$100
                          protect my car logoSupreme package*5 years/100,000 miles$249$156/30 months$100
                          carshield logoDiamond package*4 years/200,000 miles$295$100/24 months$100

                          *Quotes for extended auto warranties are based on a 2015 four-door SUV with 40,000 miles

                          Factors that impact the cost of your extended auto warranty

                          Some of the most important factors that affect the amount you pay for an extended car warranty include:

                          • Level of coverage: Plans with comprehensive coverage cost the most, while basic warranties covering only the vital systems are more affordable.
                          • One-time and recurring fees: Ask about any recurring charges in addition to the upfront fee and monthly premium. Also, keep in mind that you’ll pay interest on the policy cost if you roll your extended auto warranty into your auto loan.
                          • Additional charges or deductibles: Most car warranties have a deductible, though some companies offer zero-deductible policies. A typical deductible is $100 for a repair or replacement.
                          • Maximum payout amount: Most extended auto warranties have a maximum payout, often around the total cash value of the car. Once you're quoted a price for your policy, consider if the cost is reasonable in relation to the limits of the liability terms of your auto protection plan.

                          How much does a used car warranty cost?

                          A typical extended auto warranty price for a used car costs $350 to $700 per year. Not all used cars qualify for an extended car warranty, though; if your car is more than 10 years old or has more than 200,000 miles, you may not qualify for coverage at all. A used car extended warranty often pays for itself with the first major repair.

                          Extended car warranty questions

                          Are extended car warranties worth it?
                          Yes, extended car warranties can be worth it. If you're worried about having enough cash set aside to pay for big repairs out of pocket, an extended warranty could be right for you. Cost shouldn’t be the only consideration, though. Knowing that expensive car repairs are covered is the most important reason to purchase a car warranty for many people. On the other hand, an extended auto warranty might not be worth it if you rarely drive or can’t afford the monthly premiums.
                          How do car warranties work?
                          Car warranties work similarly to health insurance in some ways — you pay a monthly premium, and everything is covered except for a small deductible when something goes wrong. Car warranty providers usually have a network of mechanics and repair shops that car owners can use when needed. Car manufacturers provide warranties for new cars to help back their products. Once the original warranty that comes with a car expires, it’s often a good idea to purchase an extended auto warranty.
                          Should I buy an extended warranty on a new car?
                          If you’re planning to keep your car for longer than the manufacturer’s warranty covers, you may want to consider purchasing an extended auto warranty to save money on repairs as your vehicle ages.
                          What is a vehicle service contract?
                          A vehicle service contract is another name for an extended car warranty. These contracts help offset the costs of expensive repairs after your vehicle’s standard manufacturer’s warranty has expired. They typically cover costs of repairs, including parts, labor and taxes, but only if all the terms are met.
                          How long does a car warranty last?
                          A car manufacturer’s warranty usually lasts for at least three years or 60,000 miles — whichever comes first. An extended auto warranty provides additional coverage, typically for about five years. Some extended auto warranty coverage lasts for up to 10 years, however.
                          What would void a car warranty?
                          Rules on voiding a car warranty are fairly standard across the industry. Common ways to void a warranty include neglecting maintenance, driving recklessly and installing custom vehicle modifications. Car wrecks and natural disasters that total the car also void a warranty. The best way to keep a car warranty valid is to drive responsibly and take good care of your car. Consult your vehicle’s maintenance handbook and your car warranty contract to review the best ways to maintain your vehicle and keep the warranty valid.
                          What’s the difference between bumper-to-bumper vs. powertrain warranties?
                          A powertrain warranty covers everything that keeps your vehicle driving, including the engine, the transmission and the parts that allow power to travel from the engine to the wheels. A bumper-to-bumper warranty is more comprehensive and includes additional coverage for electronic systems, suspension and more.
                          Can you buy an extended warranty on a used car?
                          Yes. In fact, extended auto warranties are intended for used cars — new cars are typically covered by an initial warranty. Buying a used car warranty extends an initial new vehicle warranty and the protection that comes with it into the later years of a car. Extended warranties are especially helpful for used cars that you think are likely to need repairs. Just make sure the cost is affordable and that the coverage is acceptable — exclusionary or bumper-to-bumper policies are a good place to start.
                          How should I choose an extended car warranty?
                          Significant factors to take into consideration when researching different car warranties include coverage, cost, customer service and reliability. The process of choosing an extended car warranty is overwhelming at times, so focus on the basics. Make sure the car warranty company you select has a positive track record and provides adequate coverage. It’s also a good idea to choose a warranty from a company with a large repair network. Warranties from third-party providers are typically more affordable than those offered by car dealerships. Some third-party providers also pay for the repairs directly so you don’t have to wait for reimbursement.
                          What does a bumper-to-bumper warranty not cover?
                          A bumper-to-bumper warranty — also known as an exclusionary warranty — is the most comprehensive warranty available, but it still doesn’t cover certain parts and services. Bumper-to-bumper warranties generally don’t cover routine maintenance, modifications and alterations made by the owner or parts that deteriorate due to everyday use, like wipers, brake pads or tires. If you’re interested in a bumper-to-bumper warranty, carefully read the contract to know the extended auto warranty coverage, since details vary by company. Some car warranty companies provide sample contracts to those interested.
                          How are auto warranty claims handled?
                          Most extended auto warranties cover repairs only through authorized service providers and mechanics. Any repairs outside the network may not be covered or may only be covered up to a specific dollar amount. Be sure to look at the available network of garages before settling on a particular car warranty company. Often, repairs must be done at the dealership or by a technician certified by ASE (Automotive Service Excellence).

                          The Federal Trade Commission offers advice on its website for those who need to file a claim with their auto service contract provider. The FTC recommends asking if you need prior authorization for any replacements, repair work or towing services before choosing an auto repair shop.

                          Depending on the terms of your auto service contract, you may have to pay for repairs yourself and wait for reimbursement from the warranty company. If you aren't sure how long it will take to be reimbursed for your expenses, talk to your extended warranty provider.

                          Can you buy a car warranty at any time?
                          Yes. People purchase car warranties when they buy a car or at any other point during their car ownership. If your car’s factory warranty is still in effect, make sure any extended warranty you buy doesn’t overlap with the original coverage — otherwise you’ll be paying for two warranties covering the same period of time.
                          How can I avoid car warranty scams?
                          The car warranty industry, like several others, is prone to scammers. The best way to avoid scams is to work with legitimate companies. Look for a history of service, positive reviews and fair pricing. If you receive a call from an unknown individual or company asking for personal information in return for coverage, hang up. Reach out to a trusted company instead.

                          Not sure how to choose?

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                            Extended auto warranty reviews

                            AUTHORIZED PARTNER
                            Endurance Auto Warranty

                            Endurance Warranty offers vehicle service contracts directly, not through a middleman. Customers can go to any of 350,000 mechanics in the United States and Canada if their vehicle develops a covered problem. Consumers who want to learn more about warranties and vehicle service contracts can visit the Learning Center section of Endurance’s website to read articles and view other informational resources.

                            • Cost: The average Endurance warranty costs between $350 and $700 a year. Most Endurance warranties are transferable but might require a small transfer fee. A typical deductible is $100.
                            • Plans: Endurance Warranty has four plans, including one plan specifically for high-mileage vehicles.
                            • Benefits: The company has 24/7 roadside assistance and a 30-day money-back guarantee.
                            • Standout feature: Endurance Warranty is a direct provider of extended auto warranties. This is fairly rare and often provides a better experience since Endurance handles policy administration in-house.
                            Read 6496 Reviews
                            Delta Auto Protect

                            Delta Auto Protect has three plans that range from basic to comprehensive. Several customer reviews mention the quote process is frustrating because quotes expire, sometimes within a few hours, but the company still has some of the lowest prices around. The company has a 30-day money-back guarantee.

                            Read 1734 Reviews
                            AUTHORIZED PARTNER
                            CARCHEX

                            CARCHEX is an extended auto warranty broker. The company pays claims directly to the repair facility, meaning customers don’t have to pay for repairs themselves and wait for reimbursements. Customers have 30 days to evaluate CARCHEX’s service before requesting a refund if they wish. The company’s website has an extensive section of informational articles to help consumers understand their options.

                            • Cost: The average CARCHEX five-year plan costs $1,500. This is affordable in comparison to other extended auto warranty companies.
                            • Plans: The company has five plans. The Bronze plan offers five to six years of basic coverage. The Titanium plan is bumper-to-bumper with up to 10 years of coverage. The three others plans offer intermediate coverage.
                            • Benefits: CARCHEX has 24/7 roadside assistance, towing and rental car reimbursement. The company’s mobile app lets customers find certified vehicle repair facilities nearby. Warranties are transferable.
                            • Standout feature: The company’s services are available in California. Due to state regulations, extended warranty coverage is difficult to find for cars in California, so CARCHEX is one of the few options for Californians.
                            Read 3389 Reviews
                            AUTHORIZED PARTNER
                            Protect My Car

                            Protect My Car administers its policies directly, which cuts out the middleman. This extended auto warranty company has coverage throughout North America and a 30-day money-back guarantee. The Ambassador Plan is designed specifically for cars with 150,000 to 300,000 miles.

                            • Cost: The average plan from Protect My Car costs about $2 a day, meaning one year of coverage is about $730. The average down payment is $69.
                            • Plans: Protect My Car has four plans: Driveline, Select, Supreme and an Ambassador plan for high-mileage vehicles. The Ambassador Plan provides partial coverage, and deductibles are calculated as a percentage of each repair.
                            • Benefits: Protect My Car offers travel reimbursement to pay for lodging and meals if you have a breakdown more than 100 miles from home. Protect My Car includes 24/7 roadside assistance with its extended warranties. Its roadside assistance program includes towing, flat tire service, fuel delivery, lockout service and jumpstarts. The company has rental car reimbursement as well.
                            • Standout feature: Protect My Car allows a 60-month repayment plan, one of the longest in the industry.
                            Read 3295 Reviews
                            AA Auto Protection

                            This extended auto warranty company works with several administrators to find good deals for its customers. The company occasionally posts deals on its website, such as 50% off down payments, and has a price-match guarantee. Though the names are similar, the company has no affiliation with AAA.

                            Read more about AA Auto Protection
                            AUTHORIZED PARTNER
                            CarShield

                            This extended auto warranty company has vehicle service contracts for new, used and preowned vehicles. The company has 31 plans — most companies have between three and five available — so customers have plenty of options to choose from. The company has warranty contracts in English and Spanish.

                            • Cost: Because CarShield has so many plans, prices vary widely. However, CarShield start as low as $99 a month.
                            • Plans: CarShield has 31 plans available. Plans exist specifically for new cars, motorcycles and ATVs. Coverage ranges from comprehensive to basic powertrain.
                            • Benefits: CarShield’s protection plans include 24/7 roadside assistance. The company also provides rental car reimbursements if a customer’s vehicle is in the repair shop. Service contracts are transferable.
                            • Standout feature: Most of CarShield’s plans are month-to-month, so customers aren’t stuck in a long contract if they decide to end coverage.
                            Read 3734 Reviews
                            America Auto Care

                            American Auto Care is an extended auto warranty broker, meaning it connects customers with a warranty provider. It works with four plan administrators: Omega Auto Care, Royal Administration Services, The Element and CarGuard. The company has a 30-day money-back guarantee.

                            Read 481 Reviews
                            American Auto Shield

                            This extended auto warranty company has coverage for cars, motorcycles, ATVs, dirt bikes and ride-share vehicles. The company only offers car warranties through select dealerships. It has warranty options for high-mileage and older cars as well as newer vehicles.

                            Read 392 Reviews
                            AUTHORIZED PARTNER
                            AUL Corp

                            AUL Corp. offers coverage in every state for new and used cars. The company has a vanishing deductible option for customers who go a long time without making a claim. The company only has two plans, but the company is worth considering  if these plans work for your needs.

                            • Cost: AUL Corp. doesn’t list its plan costs on its website. However, the average vehicle service contract cost in the United States is $350 to $1,000 a year. AUL’s deductibles range from $0 to $100.
                            • Plans: AUL Corp. offers just two plans: the Powertrain plan and the Estate plan. The Powertrain plan has basic coverage, and the Estate plan has advanced coverage with optional electrical coverage.
                            • Benefits: AUL Corp. plans come with roadside assistance, which includes towing, jump starts, fuel delivery, tire changes and lockout assistance.
                            • Standout feature: AUL Corp. highlights its customer experience, saying that most claims are paid within two hours and that average hold time on the phone is two seconds.
                            Read 293 Reviews
                            AUTHORIZED PARTNER
                            Infinite Auto Protection

                            Infinite Auto Protection is a direct provider of vehicle service contracts. The company has a 30-day money back guarantee on its warranties. The company has services in every state except Hawaii, Missouri, Nevada and Washington.

                            • Cost: The average Infinite Auto Protection plan costs about 3 cents per mile of coverage. That comes out to $1,080 for a standard 36,000-mile plan. A typical deductible is $100.
                            • Plans: Infinite Auto Protection’s plans are the Foundation, Modern and Prime plans. The Prime plan offers the most comprehensive coverage. The Foundation and Modern plans are almost identical and offer basic coverage.
                            • Benefits: Every plan from Infinite Auto Protection automatically includes choice of repair facility, 24/7 roadside assistance, rental car, flexible payment terms and courtesy towing. The company provides rental car reimbursement at $35 a day for up to six days. Trip reimbursement is $150 in total.
                            • Standout feature: Infinite Auto Protection has a price-match guarantee, so price shopping can help customers pay less on their extended warranty.
                            Read 136 Reviews
                            GWC Warranty

                            GWC Warranty provides exclusionary coverage and stated component coverage for new and used vehicles. The company’s vehicle service contracts are transferable but are only available at select dealerships.

                            Read 309 Reviews
                            AUTHORIZED PARTNER
                            Concord Auto Protect

                            Concord Auto Protect lets customers have repairs done at any ASE-certified facility. The company also has a 30-day money back guarantee. Plans are transferable. All plans come with benefits, including the powertrain plan.

                            • Cost: A two-year Premium plan costs about $1,150. Longer plans have a cheaper per-month price. Some plans have zero-deductible options.
                            • Plans: Concord Auto Protect sells three plans: Powertrain, Advanced and Premium. The Premium plan offers traditional bumper-to-bumper coverage, while the Powertrain plan covers just major systems. The Advanced plan has intermediate coverage. Plans are two to five years in length.
                            • Benefits: Every plan from Concord Auto Protect comes with roadside assistance. Additional features include reimbursements for trip interruption and rental cars.
                            • Standout feature: Concord Auto Protect pays for repairs directly, so customers don’t have to wait on reimbursements after paying for repairs themselves.
                            Read 614 Reviews
                            Complete Car Warranty

                            Complete Car Warranty is an extended auto warranty aggregator, meaning it weighs options from several companies before matching consumers to an extended warranty. The company doesn’t serve California, Florida, Minnesota, Missouri or Washington.

                            Read 38 Reviews
                            Trustmark Warranty

                            This extended auto warranty company offers plans with term lengths ranging from one to four years. Trustmark isn’t available in Alaska, Florida or Massachusetts. The company has a price guarantee for comparable plans.

                            Read 154 Reviews
                            Warranty Direct

                            This extended auto warranty company has inconvenient payment structures that won’t work for most people, but the plan benefits are good. Customers may pay upfront for a big discount or make payments over a short span of three to six months. Claims are handled in-house.

                            Read more about Warranty Direct
                            ForeverCar

                            This extended auto warranty company has auto service contracts for vehicles less than nine years old with under 90,000 miles. Plans come with adjustable waiting periods and 30-day money back guarantees. Unlike most companies, ForeverCar doesn’t limit coverage based on mileage — warranties last for a specified number of years no matter how far you drive.

                            Read 341 Reviews
                            Fidelity Warranty Services

                            This extended auto warranty company has multiple plans, including two specifically designed for high-mileage cars. Warranties from this company are only available at select dealerships. Warranties are transferable to new owners.

                            Read more about Fidelity Warranty Services
                            Diamond Warranty Corp

                            This extended car warranty company processes claims in-house. Most plans begin coverage on the date of purchase. This is rare — most companies require 1,000 miles of driving and 30 days to pass before coverage starts. Customers can choose to use any repair shop.

                            Read 61 Reviews
                            AUTHORIZED PARTNER
                            Zurich Vehicle Service Contract

                            This company’s auto service contracts are sold through dealerships and honored by most repair facilities in the United States and Canada. The company also has plans designed specifically for motorcycles and powersports. All plans are transferable.

                            • Cost: Prices vary because Zurich vehicle service contracts are sold at dealerships across the country, but the average extended auto warranty in the United States costs between $350 and $1,000 a year. A typical deductible is $100.
                            • Plans: Zurich’s four most popular plans are the Powertrain, Standard, Preferred and Comprehensive options. Customers have a wide selection of coverage, whether they want to protect just major systems or nearly everything.
                            • Benefits: Benefits from this company include trip interruption reimbursement, rental car reimbursement and roadside assistance.
                            • Standout feature: Some plans have rental car reimbursement for up to 10 days, which is longer than most companies offer.
                            Read 408 Reviews

                            Compare Top Extended Auto Warranty Companies

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                              AUTHORIZED PARTNER
                              Available in 20149
                              Zurich Vehicle Service Contract
                              Read 408 Reviews

                              Provides coverage for cars, trucks, motorcycles and powersport vehicles. Perks include 24/7 roadside assistance, rental car coverage and trip interruption reimbursement.

                              American Auto Shield
                              Read 392 Reviews

                              Does not sell vehicle service contracts directly. Partners with third-party providers to offer eight programs for cars up to 250,000 miles plus coverage for motorcycles, ATVs and dirt bikes. Available nationwide.

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                                AUTHORIZED PARTNER
                                Available in 20149
                                Omega Auto Care
                                Read 922 Reviews

                                Offers exclusionary, used stated and powertrain protection for cars up to 250,000 miles and 15 years old. Waives deductible if you go to a RepairPal-certified shop. Member of the Vehicle Protection Association.

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                                  AUTHORIZED PARTNER
                                  Available in 20149
                                  AUL Corp
                                  Read 293 Reviews

                                  Accepts cars of any year and mileage. Select from 14 programs with a range of terms and protection, including gap and ancillary coverage. No waiting period. Available nationwide through certified AUL dealerships.

                                  Delta Auto Protect
                                  Read 1,734 Reviews

                                  Offers three levels of protection. Covers vehicles up to 20 years old with up to 140,000 miles. Coverage is not available in Alabama, California, Florida, Missouri, Texas and Washington.

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                                  Complete Car Warranty
                                  Read 38 Reviews

                                  Select from warranty options with custom coverage, no network limits and no limits on repairs and roadside assistance. Provides free rapid-response quotes to estimate pricing. Available nationwide.

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                                  GWC Warranty
                                  Read 309 Reviews

                                  Exclusionary coverage on cars with up to 150,000 miles and stated component coverage up to 200,000 miles. All plans are transferable. No waiting period. Available nationwide through dealerships.

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                                  AA Auto Protection
                                  Read 629 Reviews

                                  Partners with United Car Care, Matrix Warranty Solutions, Royal Administration Service, DOWC, National Warranty Administration and Mepco to offer coverage nationwide. Provides a "best price guarantee” and a money-back guarantee.

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                                  Portfolio Protection Vehicles & Services
                                  Read 69 Reviews

                                  Find coverage for cars, powersport vehicles and RVs. Options include vehicle service contracts, warranties, gap coverage, appearance protection, maintenance plans and more.

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                                  Fidelity Warranty Services
                                  Read 210 Reviews

                                  Offers vehicle service contracts with coverage for road hazards, tires and wheels. Affiliate plans include total loss waiver and lease excess with wear and tear. Accepts high-mileage cars. Available in all states.

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                                  MaxCare Auto Warranty
                                  Read 122 Reviews

                                  Extended service contract through CarMax. Optional for any year, make, model or mileage. Only available at the time you purchase a vehicle.

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                                  Preferred Warranties Inc.
                                  Read 56 Reviews

                                  Products include extended warranties for cars, motorcycles and RVs. Coverage for asset protection, theft deterrents, limited warranties and loyalty programs also available. Terms and conditions vary by state.

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                                  Century Warranty
                                  Read 30 Reviews

                                  Select from three tiers of coverage. Some vehicles qualify for up to 120,000 miles of additional protection. Coverage for alternate transportation, fluids and towing available.

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                                  Phoenix Extended Care
                                  Read 95 Reviews

                                  Partners with Nationwide Insurance group to offer coverage for cars and RVs. Products and program options include gap, private label and theft protection.

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                                  American Guardian Warranty Services Inc.
                                  Read 106 Reviews

                                  Offers four tiers of coverage. Highlights include interest-free payment plans, roadside assistance and guaranteed part replacement. Claims can be reimbursed through national credit card accounts.

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                                  First Extended Service Corporation
                                  Read 95 Reviews

                                  Get coverage for cars up to 12 years old with up to 200,000 miles. Program perks include rental reimbursements, roadside assistance, emergency travel expense reimbursement and manufacturer's deductible reimbursement.

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                                  ForeverCar
                                  Read 341 Reviews

                                  Provides extended car warranties without long-term contracts. Customizable deductible options. No mileage limitations in most states. Customer service is available through phone, email and live chat.

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                                  Penn Warranty Corporation
                                  Read 52 Reviews

                                  Serves dealerships and car-buying customers. Partners with more than 15,000 dealers across the country to offer vehicle service contracts. Contact a company representative or your dealership for more information.

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                                  America Auto Care
                                  Read 481 Reviews

                                  Offers basic, enhanced, exclusionary and stated coverage maintenance plans. New customers are entitled to a full refund within the first 30 days.

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                                  Protection Direct
                                  Read 27 Reviews

                                  Offers home and auto protection plans, including coverage for commercial vehicles, in most states. Accepts most vehicles up to 20 model years and up to 500,000 miles. Features flexible payment plans and a 30-day refund period.

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                                  GM Warranty
                                  Read 60 Reviews

                                  Provides powertrain and bumper-to-bumper limited warranties, tire and wheel protection, gap coverage and more. New vehicles are automatically enrolled in the manufacturers' protection program.

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                                  Trustmark Warranty
                                  Read 154 Reviews

                                  Select from 12-month, 12,000-mile or 24-month, 24,000-mile terms. Requires at least 10% of the total cost to initiate a payment plan. Includes roadside assistance and rental coverage for covered claims. Cancel any time.

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                                  Diamond Warranty Corp
                                  Read 61 Reviews

                                  Offers four tiers of extended warranty coverage. Powertrain Plus is available for up to five years and 100,000 miles. Coverage begins 30 days or 1,000 miles after the purchase date. Available in more than 30 states.

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                                  InterContinental Warranty Company
                                  Read 46 Reviews

                                  Specializes in providing credit union members warranty products, including Vehicle Service Agreements (VSA) and Mechanical Breakdown Insurance (MBI). Features include emergency roadside assistance and rental coverage.

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                                  Warranty Direct
                                  Read 720 Reviews

                                  Sells nine extended auto warranty plans. Provides high-mileage options. Offers plans with deductibles as low as $0. Down payments vary.

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                                  by Lauren Fix Auto & Finance Contributing Editor

                                  Lauren Fix, also called The Car Coach, is an automotive and auto finance expert. Her understanding of vehicles has made her the “go to” person on TV, radio, print media and the Internet. She has authored multiple books and writes a column for several outlets, including Parade Magazine, NewsMax and Car Coach Reports. She is a regular guest on major news and morning shows, discussing the latest updates on cars and car financing that will help drivers make smart decisions when buying, maintaining and financing cars.

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