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Best Extended Car Warranty Companies of 2022

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    Author picture
    Written by Kathryn Parkman
    Edited by Justin Martino
    Reviewed by Lauren Fix
    40
    Companies considered
    8
    Companies selected
    32k
    Reviews analyzed
    5
    Features compared

    Extended car warranties help protect you from the costs of expensive vehicle breakdowns, but finding the perfect one for you can be a time-consuming task — especially since the industry has been heavily targed by scam companies.

    Our research team compared 40 popular auto warranty companies and chose our top 8 extended auto warranty picks based on coverage options, customer reviews, available plans, waiting periods and other factors. For more detail on how we selected our top picks, read our full methodology. Our picks may be Authorized Partners who compensate us — this does not affect our recommendations or evaluations but may impact the order in which companies appear.

    Note to California residents: California state regulations prevent any business other than a car dealership from selling vehicle service contracts, but you can purchase mechanical breakdown insurance from several companies on our list.

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    Compare our top 8 extended auto warranty picks

    Endurance Auto Warranty logoEndurance Auto WarrantyProtect My Car logoProtect My CarCarShield logoCarShieldCARCHEX logoCARCHEX1800Warranty.com logo1800Warranty.comConcord Auto Protect logoConcord Auto ProtectToco Warranty logoToco Warrantyolive logoolive
    Rating3.84.24.34.14.24.84.94.5
    # of reviews8,4644,0096,9563,90121870560447
    Our pick for Good customer service Completely in-house experience High mileage vehicles Coverage selection Reward program Value No down payment No waiting period
    Available plans 6 6 6 5 4 3 4 3
    Maximum Mileage 200,000 299,999 300,000 250,000 200,000 120,000 250,000 140,000
    Waiting period 30 to 60 days and 1,000 miles 30 days and 1,000 miles 30 days and 1,000 miles 30 days and 1,000 miles 30 days (can be waived with inspection) 30 days 30 days and 1,000 miles None
    Availability Most states (not CA) Most states (not AK, CA, HI, MO, OK or WA) Most states (not CA) Most states (not CA or MO) Nationwide Nationwide Most states (not AK, MO or WA) Most states (not FL)
    Read Reviews Read Reviews Read Reviews Read Reviews Read Reviews Read Reviews Read Reviews Read Reviews
    All information accurate as of time of publication.

    More details about our top 8 picks

    Good customer service Endurance Auto Warranty AUTHORIZED PARTNER
    • Levels of coverage: 6
    • Maximum mileage: 200,000
    • Waiting period: 30 to 60 days and 1,000 miles
    • Availability: Most states (not CA)

    Endurance offers six auto warranty plans, and most are directly administered by the company. It’s a good option for used cars with higher mileage, which can sometimes be challenging to find coverage for from other warranty providers.

    All Endurance warranty plans come with a year of Elite Benefits, including roadside assistance, key fob replacement, coverage for repair or replacement of up to two tires and a collision discount. Check out the Select Premier plan for high-mileage vehicles, the Superior plan for comprehensive stated-component coverage and the Supreme plan for exclusionary coverage.

    What do we like?
    Some of Endurance's highlights include:
    • Direct provider
    • 30-day money-back guarantee
    • Online learning center
    • Multiple types of discounts
    • Free year of Endurance Elite Benefits
    What do reviewers say?
    Five-star reviews frequently highlight helpful reps, good value and comprehensive coverage. Some negative reviews indicate misunderstandings about what was covered under a specific warranty plan.

    “The plan was extremely reasonable and affordable. It's less than $125 per month. I have a BMW so my premiums typically range way more than that. The military discount made things even sweeter and took my decision over the top,” a reviewer in South Carolina said.

    “I canceled my other policy because Endurance covered more, and it was the most affordable,” a reviewer in Ohio said. Another reviewer said their coverage “came to about $1,000 a year.”

    Completely in-house experience Protect My Car AUTHORIZED PARTNER
    • Levels of coverage: 6
    • Maximum mileage: 299,999
    • Waiting period: 30 days and 1,000 miles
    • Availability: Most states (not AK, CA, HI, MO, OK or WA)

    Protect My Car offers six plans grouped in two different tiers: Selective and Comprehensive. The three Selective plans (Supreme, Select and Driveline) are designed for newer cars with up to 124,999 miles on their odometers, while the three Comprehensive plans (Ambassador Platinum, Ambassador Elite and Ambassador Pro) are available for vehicles with up to 299,999 miles.

    The Supreme and Select plans have a $100 deductible, while the Driveline plan has a $200 deductible. Protect My Car covers all expenses for covered repairs above your deductible. The three Comprehensive plans require you to pay a percentage of the cost: 25% for Platinum and 50% for Elite and Pro.

    The plans come with perks, like 24/7 roadside assistance, free oil changes and free tire rotations, but not all perks are available with all coverage options. The Ambassador Elite plan does not include oil changes or tire rotations, and the Ambassador Pro plan does not include 24/7 roadside assistance.

    The company does not use outside contractors, so your claim is handled completely by Protect My Car employees.

    What do we like?
    Some of Protect My Car's top features include:
    • All services provided by Protect My Car employees
    • Free oil changes and tire rotations
    • Military and student discounts
    • 30-day money-back guarantee
    • Transferable contracts
    What do reviewers say?
    Satisfied Protect My Car customers who left reviews on our site often talk about the company’s professional representatives.

    “It sounded like they were taking my best interest at hand and trying to help me out,” said one reviewer from Illinois.

    Other customers said they appreciated how transparent the company is about what’s covered under their plans.

    “Protect My Car knows how to talk to you,” a customer from Delaware said. “They can break it down to you and let you know, in a nice way, just what they can and couldn't do.”

    “When you read the contract, it's super crystal clear what they will and will not cover,” a Florida customer said.

    Good for high-mileage vehicles CarShield AUTHORIZED PARTNER
    • Levels of coverage: 6
    • Maximum mileage: 300,000
    • Waiting period: 30 days and 1,000 miles
    • Availability: Most states (not CA)

    CarShield has comprehensive coverage options, wide availability and great reviews. It also has flexible monthly payment plans, and you can transfer most contracts. CarShield covers cars with up to 300,000 miles, one of the highest limits among extended auto warranty companies.

    CarShield’s best coverage includes everything from engine and transmission to the factory audio system and GPS. You can choose from Diamond exclusionary coverage, Platinum comprehensive coverage, Gold powertrain-plus coverage, Silver powertrain coverage and Aluminum specialty coverage. There is also a plan for motorcycles and ATVs.

    CarShield’s plans are administered by American Auto Shield. Most contracts come with 24/7 roadside assistance, and some include rental car reimbursement.

    What do we like?
    Some of CarShield's top features include:
    • Low or no deductible
    • Choose your mechanic
    • Roadside assistance and rental car reimbursement
    • 30-day money-back guarantee
    • CarShield app
    What do reviewers say?
    Happy customers recommend CarShield for the helpful service and great customer support. A reviewer in Oklahoma said their plan saved them “at least $300” when a water pump gave out. “I recommend CarShield for anyone with an older car. It sure helps save money.”

    As with most car warranty companies, CarShield has received a few complaints from people who had claims denied after a breakdown. This is why it’s so important to understand your coverage before you sign up.

    “They covered my air conditioning compressor in full on my 2010 Cadillac, which could have ran me $1,500 to $2,000,” a reviewer in Illinois said, adding that “it was very seamless after my mechanic called their office. I would definitely recommend to all people out there, especially if you don’t have a lot in [your] savings account.”

    Wide coverage selection CARCHEX AUTHORIZED PARTNER
    • Levels of coverage: 5
    • Maximum mileage: 250,000
    • Waiting period: 30 days and 1,000 miles
    • Availability: Most states (not CA or MO)

    CARCHEX offers more coverage plans (21 options across five levels of coverage) than our other top picks because it works with multiple warranty providers. It’s a good pick for anyone who wants instant quotes online for up to 10 years of coverage.

    Each plan — whether it’s Bronze, Silver, Gold, Platinum or Titanium — offers term options that range from monthly to at least five years. If you’re looking for comprehensive, exclusionary coverage, check out Titanium plans.

    In addition to repair costs, plans cover 24/7 roadside assistance, gas delivery, towing, rental car coverage and trip interruption service. They also come with CARCHEX’s “No-Haggle, Low Price, Everyday Guarantee.” CARCHEX requires small down payments and lets you spread the remaining cost out over six to 24 months.

    What do we like?
    CARCHEX's plans have several highlights, including:
    • Multiple plans at each level of coverage
    • Roadside assistance included
    • Transferable plans
    • $0 deductible option
    • Additional optional coverages
    What do reviewers say?
    Reviewers like that CARCHEX has helpful reps and reasonable rates. "The rep explained everything that he was supposed to and the questions that I had, so I went into CARCHEX with a clear understanding. It’s supposed to be the best warranty, so that's what I got. If you get three repairs with the average being about $1,200, the policy is paid,” a reviewer in Maryland said.

    “I have a super expensive vehicle and if it breaks, that would be very expensive,” a reviewer in Nevada told us. “Once I got the policy set up, CARCHEX's website to pay was user-friendly and it allowed me to set up extra options for those going through the process.”

    A reviewer in Arizona renewed for another four-year term: “I know the priceyness of some of these repairs, especially if you got a valve cover gasket that is leaking. … If I could get that covered under this warranty, it's peace of mind more than anything else.”

    Good reward program 1800Warranty.com AUTHORIZED PARTNER
    • Levels of coverage: 4
    • Maximum mileage: 200,000
    • Waiting period: 30 days (can be waived with inspection)
    • Availability: Nationwide

    1800Warranty.com offers four levels of protection that start at $39 dollars a month. The company’s Level 4 plan provides exclusionary coverage and starts at $55 a month. You can also add tire and wheel coverage to any plan.

    Unlike many other extended auto warranty companies, 1800Warranty.com offers month-to-month plans. It also states that the company’s team works with potential customers to help them find a plan option that fits their budget and needs.

    The company has a 30-day waiting period, but you can start receiving coverage on your first day if you opt to have your vehicle inspected to ensure there are no preexisting conditions. 1800Warranty.com’s Stacks Reward Plan reimburses your monthly premiums — minus some fees — if you don’t make any claims during the term of your service contract.

    What do we like?
    1800Warranty.com offers multiple benefits to its customers, including:
    • Month-to-month plan options
    • Waiting period can be waived with vehicle inspection
    • Identity theft protection included in all plans
    • Premium reimbursement if you make no claims
    • $0 deductible option
    What do reviewers say?
    1800Warranty.com doesn’t have many reviews on ConsumerAffairs, but most customers are happy with the service they received from the company.

    “The claims process was simple,” said a customer from Pennsylvania. “I had the mechanic call them and they spoke. They handled what they could cover. I was very satisfied.”

    A reviewer from Georgia said the company was able to set him up with a plan within 10 minutes.

    “1800Warranty is an easy company to deal with,” they added. “It's customer-friendly. There was no hassle as far as getting set up.”

    Good value Concord Auto Protect AUTHORIZED PARTNER
    • Levels of coverage: 3
    • Maximum mileage: 120,000
    • Waiting period: 30 days
    • Availability: Nationwide

    Concord Auto Protect offers three plans that come with direct support and a 100% satisfaction guarantee. Plans include roadside assistance and can be transferred from one vehicle owner to another.

    You can take your car into any repair facility, and Concord will pay for covered repairs directly over the phone — all you have to pay is the deductible (if applicable). There’s no paperwork required to file a claim, and you can make as many claims as you want.

    What do we like?
    Some of Concord Auto Protect's highlights include:
    • $0 deductible option
    • Zero-interest payment programs
    • Direct support
    • Roadside assistance and rental car reimbursement
    • 30-day money-back guarantee
    What do reviewers say?
    Concord is highly recommended by existing customers for its prices and customer support.

    According to a reviewer in Idaho, Concord is “anywhere from $1,400 to $3,600 less expensive than others. … For the difference in price, with what appears near-identical terms, 30-day wait, $100 deductible, etc., I'll gamble.”

    “The price for the coverage I selected was very good. I was able to get bumper-to-bumper coverage for up to 150,000 miles. Could not get a better deal elsewhere,” a reviewer in Nevada said.

    No down payment Toco Warranty AUTHORIZED PARTNER
    • Levels of coverage: 4
    • Maximum mileage: 250,000
    • Waiting period: 30 days and 1,000 miles
    • Availability: Most states (not AK, MO or WA)

    Toco Warranty offers pay-as-you-go plans with no down payment. Your cost for a vehicle service contract (or in California, mechanical breakdown insurance policy) depends on your car’s make, model, year, mileage and how many miles you drive each month.

    Toco coverage works a little bit differently — Orange plans are for cars with less than 100,000 miles, yellow is for cars between 100,000 and 150,000 miles, and the Blue plan is for vehicles with 150,000 to 200,000.

    If your car has 200,000 to 250,000 miles on it, you have Green-level coverage. The Orange plan is an exclusionary plan, while the others are stated-component plans. Unless stated otherwise in your terms, the standard deductible is $100.

    What do we like?
    Toco has several features we like, including:
    • No down payment
    • Pay as you go
    • 24/7 roadside assistance
    • Hotel and motel discounts
    • $50 deductible waiver for repairs made at select facilities
    What do reviewers say?
    Toco comes highly recommended by existing customers. Positive reviewers say that prices are good and the reps are “honest” and “respectful.”

    “My customer representative Matthew was AWESOME. He was very patient and explained everything. He answered all my questions that I had. The price I was given was great for a bumper-to-bumper warranty,” a reviewer in Maryland said.

    “The perks are great too! $40 credit towards oil changes and the first month free is hard to resist,” according to a reviewer in North Carolina.

    No waiting period olive AUTHORIZED PARTNER
    • Levels of coverage: 3
    • Maximum mileage: 140,000
    • Waiting period: None
    • Availability: Most states (not FL)

    Unlike many companies, olive does not have a waiting period for coverage. It’s a good pick for car owners who want to manage their policy entirely online. You can file claims online or over the phone, and you can schedule repairs through RepairPal.

    Most plans cost $30 to $80 per month, with various deductible options. Complete Care, olive's exclusionary plan, is its most popular. olive also has Powertrain Plus and Powertrain plans.

    What do we like?
    olive's highlights include:
    • No waiting period
    • Price-lock guarantee
    • Transferable plans
    • MBI available in California
    • Online policy management
    What do reviewers say?
    olive’s warranty information is straightforward and simple to understand. “I like the idea that I can stop the coverage at any time,” a reviewer in Missouri said.

    “With olive, I'd make monthly payments of $126 for a $250 deductible, which works out better,” a reviewer in Minnesota said. On the other hand, a few say that the claims department can take a little while to call back.

    “What I really liked about it is it wasn't one of those warranties that's like, ‘Well, you got to go six years, 185,000 miles. It's going to cost you $4,800.’ And with this particular one, it was like, ‘Look, we will warranty your truck up to 185,000 miles, but it'll only be three years,’” an olive customer told us via phone survey.

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      Extended car warranty costs

      Total costs for an extended warranty average around $2,500, but the cost varies based on many factors. You can pay the entire cost upfront, but most people pay it off over multiple years in monthly installments.

      For example, if you purchase seven years of coverage, you might have the option of a 36-month payment plan. In addition, plans often require you to pay a deductible (typically between $75 and $250) for repairs.

      Factors that impact the cost of your extended auto warranty

      The best extended car warranty companies examine multiple factors, including your vehicle’s make, model, condition and location, when quoting a price for coverage. Some of the most significant factors that affect the price of your extended auto warranty include:

      • Vehicle make, model and year: Contracts tend to cost more for vehicles that are more expensive to repair, such as luxury cars. Parts on these cars tend to be more expensive and may require more expertise to repair and replace.
      • Vehicle mileage: Expect to pay more if your odometer reading is higher. That’s because warranty providers know higher-mileage vehicles are more likely to need repairs.
      • Level and length of coverage: Bumper-to-bumper plans with comprehensive coverage cost the most, while basic warranties covering only essential parts, such as powertrain and drivetrain warranties, are the most affordable. Also, plans with longer coverage periods have higher costs.
      • The deductible: Most car warranties require a deductible, though some companies offer zero-deductible policies. A typical deductible for a repair or replacement is $100. All else being equal, the higher a deductible is on a policy, the less expensive it costs.
      • Your driving habits: Before buying an extended auto warranty, you’ll probably be asked about how you use your vehicle and how much you drive. If you spend a lot of time in the car, the price of a contract can be higher.

      Extended car warranty questions

      Is an extended car warranty worth it?
      Buying an extended auto warranty can be worth it if you're uncomfortable with the possibility of spending thousands of dollars for an unexpected vehicle repair — especially if you plan to keep the car for several years.
      • Purchasing an extended auto warranty can help manage repair costs if you buy a used vehicle that doesn't come with a manfacturer warranty.
      • Extended auto warranty coverage usually isn’t necessary with a new vehicle purchase. New cars come with bumper-to-bumper and powertrain manufacturer warranties that last for multiple years and tens of thousands of miles.
      • If you think you might sell a vehicle while it’s still covered, make sure your plan allows transfer to the new owner.
      What is an extended car warranty?
      An extended auto warranty, also known as a vehicle service contract, is coverage that kicks in after your car’s manufacturer’s warranty expires. It pays for repairs to a vehicle when it breaks down, including parts and labor, after you pay a deductible. Different providers offer varying types and levels of coverage; it’s important to understand the service requirements, exclusions and perks attached to any vehicle service contract you’re considering.
      How do extended car warranties work?
      A car warranty is a contract between you and the warranty provider — the manufacturer or a third party — to cover repairs within a specific period of time or up to a certain mileage number when your car breaks down. If your car needs a repair and you have coverage, you can schedule a visit to an approved dealership or repair shop. You may owe a deductible before the warranty company pays the balance of the repair cost.

      Each new vehicle comes with a warranty or group of warranties from the manufacturer. Once it lapses, you can then continue coverage with an extended auto warranty, also known as a vehicle service contract. You can purchase an extended car warranty when you buy a car or at any point after — just keep in mind that if you buy it while you still have manufacturer coverage, it won’t be of much use yet.

      It’s standard across the industry that extended auto warranties purchased separately from the factory 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.

      How can I avoid car warranty scams?
      Telephone scams for extended auto warranties are very common, so it’s best to be careful. One trusty guideline is to avoid giving your personal information to any caller from a number you haven’t verified. If you receive a call from an unidentified number and hear a prerecorded message on the other end about an extended auto warranty, hang up.

      Similarly, if you get a call from a number you don’t recognize and the person asks a question like, “Can you hear me?” right off the bat, don’t answer. Instead, hang up; this could be a robocaller trying to confirm your phone line is active for future calls. For more tips, read our article on avoiding car warranty scams.

      How long does a car warranty last?
      A new car manufacturer’s warranty typically lasts for at least 36,000 miles or three years. This number of years and the mileage — as well as the number and types of coverages — differs by automaker. An extended car warranty covers a car after the manufacturer’s warranty expires and lasts for five to 10 years. Terms vary by provider.
      What voids a car warranty?
      Several conditions can lead to a voided warranty, so it’s important to do your best to maintain your vehicle so you don’t lose coverage. These typically include failure to get routine maintenance, vehicle misuse, car modifications that cause a breakdown and having a salvage title.

      Before purchasing a new vehicle or a vehicle service contract, ask the dealer or warranty provider to explain what could potentially void your coverage.

      What are the different types of car warranties?
      There are several different types of warranty plans. Bumper-to-bumper coverage is the most comprehensive, providing protection for all vehicle components except those that are specifically excluded. A powertrain warranty covers parts that power the vehicle, including the engine and transmission. Stated component coverage provides a list of parts covered — anything not listed is not covered.

      New vehicle warranties come from the automaker, while extended auto warranties may be from the manufacturer or a third party.

      What's the difference between car warranties and insurance?
      A car warranty pays for repairs and replacements of parts when your car breaks down. Depending on the policy, it also covers nonessential parts, like your stereo, and defects in the build of the car.

      Auto insurance, on the other hand, pays for vehicle damage due to collisions, natural disasters and vandalism, or loss from theft. Car insurance is required in almost every state. A car warranty comes with every new car, and an extended auto warranty is an optional purchase. For more information, read about the differences between car warranties and insurance.

      How do I check whether my car is under warranty?
      There’s a lot to keep up with as a car owner. If you’re not sure if your car is still under warranty from the manufacturer, contact a local dealership that sells new vehicles of the same make. You’ll need your vehicle identification number and the mileage on the odometer. You can also check the warranty terms in the owner’s manual.
      extended auto warranty faqs

      How to find a reputable extended car warranty company

      Extended auto warranty companies offer plans that vary in coverage and other factors, like deductible amounts and perks. It’s important to know what to look for when choosing an extended warranty for your car.

      • Compare reviews: Many 5-star reviews about vehicle service contract companies refer to the initial customer service and sign-up process. Friendly reps are a plus, but what you really care about is whether the plan is worth your money — look for positive reviews about making claims, getting claims approved and completing payouts for repairs. If you read about difficulty filing claims or patterns of rejected claims, be wary.
      • Consider the waiting period: Many plans require you to wait up to 30 days and 1,000 miles before you can request service. This is intended to prevent car owners from getting repairs on preexisting conditions. However, for some drivers, it could take several months to put another thousand miles on the odometer. Check out olive for same-day coverage.
      • Look for perks: Some companies offer extra bonuses alongside their extended warranty coverage, so ask about any additional benefits. These can include roadside assistance, trip interruption service, key fob replacement or discounts from retailers. If you’re hesitant to make a big commitment, look for a company that lets you buy month-to-month coverage or cancel with ease.
      • Read the fine print: Be sure you understand what is and isn’t covered. Ask about any restrictions or conditions that might void your coverage. If you prefer having more control over the specifics of your coverage, look for a company that offers multiple plans or lets you customize your coverage.

        If you think you might want to sell your car before the warranty expires, make sure the company will let you transfer the coverage to the next owner — and ask if there’s a fee. This could be a selling point to potential buyers. For more, here are the right questions to ask and tips to help you avoid car warranty scams.

      What does a car warranty cover?

      Basic car warranties cover the most essential parts and systems that keep the car running. For example, if you have an engine, alternator or transmission failure, there’s a high likelihood a basic extended warranty covers the needed repairs. Many car warranties cover fuel pump replacement and airbag replacement as well. 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.

      Not all extended auto warranties cover the vehicle from bumper to bumper, so remember to choose a plan with the coverage you need — and don’t forget to read the fine print.

      Types of extended car warranties

      The two main types of car warranties are manufacturer warranties (also called “factory warranties” and original equipment manufacturer warranties, or OEMs) and aftermarket warranties sold by third-party vendors. The most common types of warranty plans fall into one of the following categories:

      Ask your provider if there are any rules against performing maintenance work yourself. Keep track of all maintenance records and receipts.
      • Powertrain: A powertrain warranty covers parts that generate power and deliver it to the wheels, including the engine, transmission, axles, driveshaft, differentials, axles and transfer case.
      • Drivetrain: This is similar to powertrain coverage, except a drivetrain warranty doesn’t include your engine.
      • Wrap warranty: A wrap warranty covers what the powertrain warranty leaves out. You can combine a wrap warranty with a powertrain warranty to supplement coverage and get protection similar to bumper-to-bumper plan.
      • Bumper-to-bumper: A bumper-to-bumper warranty is also called an “exclusionary warranty,” because it covers everything except for specific components listed in the contract. These warranties tend to be the most comprehensive, but they’re also the most expensive.

      Other than bumper-to-bumper warranties, most extended auto warranties are stated component warranties. In stated component warranties, the contract lists exactly the components that are covered. Be sure you understand whether your agreement lists covered or excluded components and parts.

      What extended car warranties won’t cover

      It’s important to keep in mind that extended auto warranties typically do not cover routine maintenance. Most plans also do not cover paint, your car’s interior or parts that wear out, like windshield wipers or filters. Extended auto warranties also don’t cover accidents, vandalism or theft, and they won’t supersede a still-active manufacturer’s warranty. Below are items that are generally excluded from vehicle service contracts:

      • Damage from accidents
      • Damage caused by extreme weather
      • Cosmetic repairs
      • Routine maintenance
      • Liability and other insurance-related issues
      • Preexisting conditions
      • Manufacturer recalls
      • Wear-and-tear items (like brakes and tires)
      • Problems resulting from alterations or modifications
      • Interior or body panel damage

      Not sure how to choose?

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        Methodology

        ConsumerAffairs carefully collects in-depth, verified reviews to tell each customer’s experience with a company. We believe customer experiences are a crucial indicator when evaluating companies, so these reviews are a significant factor when selecting our top picks.

        To choose our top extended auto warranty companies, we started with the 40 popular providers listed on our site. To ensure we considered experiences from a diverse range of customers, we eliminated any company that had less than five reviews between April 1, 2021, and April 1, 2022, leaving us with a list of 20 brands.

        We then analyzed the 7,070 reviews for those 20 vehicle service contract providers provided by customers over the same time period. We focused on companies that demonstrate a proven track record of above-average customer service compared to other companies in this category on our site.

        We established our criteria by calculating the average star rating, percentage of 5-star reviews and percentage of 1-star reviews for all extended car warranty companies on our site that received at least five reviews in the targeted date range. Our top eight picks:

        • Have a customer rating of at least 3.67 out of 5 stars
        • Received 5-star reviews from more than 57% of ConsumerAffairs reviewers over the selected time period
        • Were given 1-star reviews from less than 26% of ConsumerAffairs reviewers over the selected time period

        From that list, we used comparisons of several key features to ensure that all eight met our standards for consumer-friendly offerings and to more deeply understand each of their strengths. That analysis informed the highlighted headline for each brand plus our write-ups of them guiding consumers’ choice based on their specific situation. These features were:

        • Coverage options: We checked every company’s plans to assess whether it offers a variety of coverages for customers in multiple situations.
        • Availability: We made sure our top picks operate in the majority of the U.S. states and are available to most of our readers.
        • Payment structure: We looked for companies that provide flexible payment options to help meet their customers’ budgets and noted whether the company offers month-to-month options or requires a contract of a year or more.
        • Waiting period: Most companies require a 30-day and 1,000-mile waiting period, though a few brands have plans that go into effect immediately after purchase. We ensured our top picks had waiting periods equal to or less than the industry average. We did not consider companies with unreasonably long wait times.
        • Cost: The cost of an extended car warranty varies widely based on the vehicle’s make, model, age and mileage, but we confirmed our top picks’ pricing fell within the average range for the industry.

        Guide sources

        Guide sources
        ConsumerAffairs writers primarily rely on government data, industry experts and original research from other reputable publications to inform their work. To learn more about the content on our site, visit our FAQ page.
        1. Federal Trade Commission, “Auto Warranties and Service Contracts.” Accessed June 14, 2021.
        2. Federal Trade Commission, “Extended Warranties and Service Contracts.” Accessed Feb. 22, 2022.
        3. Consumer Financial Protection Bureau, “What is an extended warranty or vehicle service contract?” Accessed Feb. 22, 2022.
        4. Federal Reserve Bank of St. Louis, “Do You Want an Extended Warranty with That?” Accessed Feb. 22, 2022.

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