Best Extended Auto Warranty Companies
Sometimes called an “aftermarket car warranty” or “vehicle service contract,” an extended auto warranty kicks in after your initial warranty has expired and is intended to offset the costs of expensive repairs after your vehicle’s standard manufacturer’s warranty expires.
You can buy an extended auto warranty at any time, even after your original manufacturer’s warranty has expired, either through your car’s original equipment manufacturer (OEM), like BMW or Ford, or through a third-party warranty provider, like Endurance Auto or Car Shield.
The best extended auto warranties offer multiple protection plans with low deductibles, 24/7 roadside assistance, complimentary towing, plus rental car, meal and lodging reimbursement if your car leaves you stranded far from home.
Compare Reviews for Top Extended Auto Warranty Companies
|Endurance Auto Warranty|
Read 2780 Reviews
Endurance is a third party auto warranty company that provides more affordable options than those bought through auto dealers. It offers four different plans directly to consumers, so you don’t have to deal with a broker.
Read 2059 Reviews
CARCHEX is a service contract broker that compiles competing vehicle protection plans from different companies for you. Once you sign up, a CARCHEX specialist will call and list the best offers they found fitting your criteria.
|Protect My Car|
Read 2126 Reviews
Select from 3 plan options with deductibles as low as $100. Covers vehicles for up to 5 years or 125,000 miles. Down payments vary. Includes roadside assistance, 36– 60-month payment terms and a 30-day money-back guarantee.
Read 702 Reviews
Service contract broker with many plans, including high-mileage and specialty coverage. Includes 30-day guarantee and roadside assistance. Most contracts are transferable.
|Delta Auto Protect|
Read 1281 Reviews
Offers 3 protection plans backed by a top-rated AM Best insurance company with max warranties of up to 8 years. Includes 24/7 roadside assistance and a 30-day guarantee. Zero deductible plans available. Down payments vary.
|AA Auto Protection|
Read 604 Reviews
Choose from 5 plans that include full coverage, premium, stated component and powertrain options with deductibles as low as $100. Includes roadside assistance. No down payment is required. Max warranty length varies.
|Concord Auto Protect|
Read 129 Reviews
Gives consumers a choice of 3 plan options—premium, advanced and powertrain—with deductibles as low as $100. Contract length depends on vehicle, but are typically 3–5 years. Financing plans are available. Down payments vary.
|Omega Auto Care|
Read 427 Reviews
Offers 5 plans ranging from new exclusionary to basic powertrain, all with roadside assistance, rental car reimbursement and maintenance benefits. Down payments as low as $50. Standard warranties up to 5 years.
|America Auto Care|
Read 318 Reviews
Customizable plans based on vehicle type and mileage. No down payment required. Deductibles as low as $50. Plans include rental car reimbursement and roadside assistance.
|American Auto Shield|
Read 110 Reviews
Choose from 6 plans, including 3 powertrain plans for high-mileage vehicles and customizable options. Roadside assistance and rental car coverage included. Plans sold through dealerships. Max lengths and down payments vary.
Read 112 Reviews
Personalized coverage options for new and used cars. Exclusionary coverage for vehicles as high as 15,000 miles and stated component coverage for vehicles as high as 200,000. Available at dealerships.
Read 104 Reviews
Offers customized coverage backed by A-rated insurance company for vehicles up to 10 years or 100,000 miles. Roadside assistance included. No wear and tear exclusion. Deductibles from $0–$100 with disappearing deductible option.
Read 338 Reviews
Get a customized warranty plan based on coverage level and vehicle type, year and mileage. No down payment required. Deductibles as low as $50. Plans may include rental car reimbursement and roadside assistance.
Read 711 Reviews
Choose from 9 warranties with elite and high-mileage plans. Includes 24/7 roadside assistance, rental car coverage and choice of repair facility. Deductibles as low as $0. Down payments vary.
|GE Service Contracts||Read 191 Reviews|
Questions about extended auto warranties
What do extended auto warranties cover?
Before spending money on an extended auto warranty or vehicle service contract (VSC), it’s important to know what will be covered. Many consumers believe all extended warranties cover their vehicle bumper-to-bumper, but every policy has limitations. You can opt for a full-coverage plan or choose a plan that only covers the major systems on your vehicle. Here's a list of the most common things extended auto warranties will cover:
- New and used cars: Extended auto warranties can be purchased for both new and used cars. A used car is more likely to need major repairs, and an extended warranty usually pays for itself with the first major repair. Maintenance plans can help a used car owner keep their vehicle on the road longer. New car owners are likely to be more focused on protecting their investments and taking care of small repairs as they happen. A ding or a dent can be a major issue to a new car owner who may initially be interested in premium auto protection plans. Maintenance plans may also be beneficial in helping new car owners meet the maintenance requirements of their manufacturer’s warranty.
- Major and minor vehicle parts: Standard auto protection plans usually cover common repair services for major and minor vehicle parts. If your air conditioner breaks down or you have an engine or transmission failure, your vehicle service contract will probably cover it. Brakes, cooling systems and electronic components are just a few examples of services that might not be covered. Be sure to read the fine print and choose a plan with the coverage you actually need.
- Additional benefits of coverage: Some providers–like Endurance and Protect My Car–offer additional benefits like 24/7 roadside assistance and reimbursement for a rental car if you need one while your car is in the shop. Some providers cover anything from flat-tire changes and locksmith services to jump-starts and towing. A few car warranty providers even reimburse incidental costs, like hotel lodgings, if you have to wait for repairs.
How long is the extended car warranty effective?
Length of service is another consideration when dealing with auto warranties. Some cover the entire vehicle, while others have limitations on certain parts and components. Vehicle service contracts that cover everything will be more costly.
- Mileage exclusions: Many auto protection warranties cover a vehicle for a length of time or for a certain number of miles, whichever is reached first. For example, a warranty might last for five years or 75,000 miles.
- Waiting period: Often, vehicle service contracts purchased separately from the manufacturer's warranty cannot be used for 30 days or 1,000 miles, whichever comes later, after they are purchased. This policy prevents people from buying a vehicle service contract only after a problem develops.
How are auto warranty claims handled?
Like health insurance, an extended auto warranty provider will often have a network of mechanics and repair shops that car owners can use. Any repairs outside the network may not be covered or may only be covered up to a specific dollar amount. The FTC offers advice on their website for consumers who need to file a claim with their service contract provider. They recommend asking if you need prior authorization for any repair work or towing services before choosing an auto repair shop.
Most extended auto warranties cover repairs only through authorized service providers. Be sure to look at the available network of garages before settling on a specific warranty company. Preferably the repairs are done at the dealership or by an ASE (Automotive Service Excellence) Certified technician.
Not all mechanics are created equal. If there’s a problem following a repair, find out how the warranty handles service issues and complaints. An ASE Certified technician can perform work on your vehicle but cannot perform TSB’s (Technical Service Bulletins) or Factory Recalls; this work should be done at the dealership.
Depending on the terms of your service contract, you may have to pay for repairs then wait for reimbursement from the service company. If you aren't sure how long it will take to be reimbursed for your expenses, talk to your extended warranty provider.
What are the terms of a vehicle service contract?
Some factory and extended warranties take care of repairs, but only if all their terms are met. Part of the warranty agreement is the understanding that the vehicle owner will perform routine maintenance recommended by the vehicle manufacturer. Many extended auto warranty providers require you to follow the manufacturer's recommendations for routine maintenance on your vehicle. Failing to do so could void your contract. Keep track of all maintenance records and receipts, and be sure to ask your provider if there are any rules against performing maintenance work yourself.
Typical maintenance responsibilities required by most vehicle service contracts include:
- Oil changes: While a single delayed oil change is unlikely to void a warranty, repeated misses could leave a car owner facing a full bill on a major system repair.
- Changing filters: Bad filters can cause build-up that impacts the engine, intake systems, transmission and more. It is important to change filters regularly.
- System checks and service schedule: Regular testing and visual inspections can catch problems before they become major hazards. They are typically included in the recommended maintenance schedule.
- Using recommended gasoline types: Every vehicle requires a certain octane rating to help the engine get its best life and performance. Using the wrong or lower octane rating than is specified can cause possible engine damage and a voided warranty. Make sure to use the proper octane rating every time.
Are extended auto warranties worth it?
If you purchase a vehicle and plan on keeping your car after the manufacturer's warranty has expired, purchasing an extended auto warranty could be worth it. In some cases, purchasing an extended auto warranty before the manufacturer’s warranty expires could come with added benefits too. For example, if any part of your vehicle is repaired under the manufacturer’s warranty (and the repair is also covered by your extended warranty), some providers will reimburse you for a portion of the manufacturer’s deductible.
The peace of mind that comes with additional coverage of an extended warranty could be enough to make it worth it for you. Here's a list of other things to consider along the way:
- Service contract coverage: Extended auto warranties cover a wide range of vehicle parts and systems, but every auto protection policy–and provider–are different. Think about the amount of money you've spent on out-of-warranty repairs on similar vehicles you've owned in the past, then compare that to the total price of an extended warranty. If you're worried you won't have cash set aside to pay for repairs out of pocket, an extended warranty could help offset those costs.
- Service contract limitations: Some extended warranties have maximums for the amount they will spend on a type of repair. Others have a large deductible. Even plans with special coverage, like rental car benefits, come with stipulations. Be sure to read your service contract thoroughly to avoid any surprise costs.
- Service contract exclusions: Extended auto warranties do not cover pre-existing conditions. Certain states also have additional exclusions that could affect your coverage.
Types of car warranty plans
Maintenance packages are another optional extended service or coverage for air filters, oil changes, tune-ups and similar items. This can be included in some new car purchases. Make sure to read all the details if you are purchasing this package. Many times it’s supplied by the specific dealer. Maintenance packages are usually available from both dealerships and as additions to a vehicle service contract.
Most warranties do not cover damage to upholstery, the interior, paint coverage and cleaning or other issues resulting from normal use. Wear-and-tear plans cover the difference, often including tires. These auto protection plans may be especially appealing to those leasing a vehicle because they’ll be responsible for the cost of these repairs when the lease ends.
Often called a basic warranty or new-vehicle warranty, a bumper-to-bumper policy covers components like air conditioning, audio systems, vehicle sensors, fuel systems and major electrical components. Most policies exclude regular maintenance like fluid top offs and oil changes, but a few brands have separate free-maintenance provisions. Bumper-to-bumper warranties usually expire faster than powertrain warranties.
Don't be misled; a 10-year or 100,000-mile powertrain warranty doesn't promise a decade of free repairs for your car. These warranties typically cover just the engine and transmission, along with any other moving parts that lead to the wheels, like the driveshaft and constant velocity joints. Some automakers also bundle seatbelts and airbags into their powertrain warranties. With a few exceptions, powertrain warranties don't cover regular maintenance like engine tune-ups and tire rotations.
Since 1972, the government has required all cars to have emissions controls like oxygen sensors and catalytic converters. Two types of warranties exist: performance warranties and design and defect warranties. Performance warranties require automakers to repair or adjust emissions controls for at least two years or 24,000 miles if the car fails an emissions test. If emissions controls fail independent of a test, the design and defect warranty covers them for at least two years or 24,000 miles. Major components like catalytic converters and engine control modules are covered for performance and defects for eight years or 80,000 miles. On some items, California residents are eligible for additional coverage.
Factory accessories warranty
Factory accessories include everything from a high-end audio systems to an engine modification from a manufacturer's performance wing. Most automakers cover accessories for one to three years or the remainder of the bumper-to-bumper warranty, whichever is shorter. Be sure to check out all the specifics; modifying the accessories after they've been installed can void your coverage.
How much does an extended car warranty cost?
Factors that impact the cost of your warranty
The cost of your extended auto warranty coverage will vary based on your vehicle's age and mileage. If your car is 10 years or older or has more than 100,000 miles, you may not qualify for coverage at all. If you do qualify, you should expect to pay a higher price for your auto protection policy.
Level of coverage
While all new vehicles and most used vehicles come with some type of warranty, many dealerships offer premium coverage options that include more systems. Extended auto warranty providers often offer different auto protection plans depending on which systems a customer wants protected.
One-time and recurring fees
Ask about any recurring charges in addition to the upfront fee or monthly premium. It can be difficult to get out of these types of contracts. If you're rolling your extended auto warranty into your auto loan, you're going to pay interest on the policy itself.
Additional charges or deductibles
Some car warranties cover everything from chips in a windshield to door dents, but there may be service fees or deductibles for every repair.
Maximum payout amount
Most contracts have a maximum payout amount they will not exceed or will have restrictions that the maximum payout can't exceed 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.
Expert reviews for extended auto warranties
Provides extended auto warranties people need to offset costs of major repairs. All packages include 24-hour roadside assistance, vast network of ASE-licensed mechanics and a 30-day money-back guarantee.
Choose from multiple tiers of coverage, all of which come with a price match guarantee. The company is a direct provider of extended warranty coverage, meaning customers will purchase the policy from the same company that manages claims.
Offers multiple customizable tiers of extended auto coverage. All packages include 24/7 roadside assistance, towing and rental car reimbursement. Warranties are transferable or refundable.
Provides coverage for repairs if your car breaks down within a couple of years of purchase.
Consumers can get quotes online directly, with coverage effective immediately. This vehicle service contract covers auto repairs and includes roadside assistance like towing and tire replacement.
Three levels of coverage available: Driveline, Select and Supreme. Most models of cars are accepted. Offers a 30-day money-back guarantee if you change your mind.
Offers a unique variety of customizable plans with nationwide service, 24/7 roadside assistance and easy payment plans. Secure a high level of coverage through this company’s online portal.
Customized service plans are specifically tailored to meet your needs and budget. Consumers can apply for a free quote online.
This company is a contract provider, or broker, meaning they connect you with a plan administrator who will handle your claim in case of needed repairs. Offers a variety of plan options according to the make, model, year and mileage of your vehicle.
Extended coverage for cars, motorcycles, ATVs, dirt bikes and ride-share vehicles. All plans are fully-insured and financially secure. Claims are resolved quickly and fairly.
Multiple new and used vehicle service contracts for cars of any age and mileage. Provides same-day claims payment and no exclusion for wear and tear.
Provides exclusionary coverage and stated component coverage for new and used vehicles. Vehicle service contracts are transferable to a new owner if you sell your car, which may increase your car’s overall value.
Offers multiple plans so you can choose the policy that best fits your needs. All plans include free roadside assistance and a 30-day money-back guarantee. Get repairs at any ASE-certified facility. Payment plans available.
Offers 6 different extended warranty plans. Handles all claims in-house. All plans come with roadside assistance, car rental reimbursement, trip interruption protection and unlimited number of claims.
Choose from regular, premium or supreme plans, depending on their coverage needs and budget. Includes roadside assistance, rental car and travel expense reimbursement. Set your deductible from $0–$500.
Offers 5 extended warranty packages, all with coverage for fluids, rental car, towing and travel expenses, plus financing and transfer options. Get repairs done at over 6,000 authorized service centers in the United States and Canada.
Provides maintenance protection at affordable prices for new or pre-owned cars, SUVs and trucks nationwide. A wide variety of plans can accommodate the needs of most vehicle owners. Available only through dealerships.
As a company that truly prioritizes customer service, Direct Buy offers one of the best response times in the industry with an average claim response time of only 2.5 hours.
Select Auto Warranty is a discount vehicle service contract (VSC) provider.
Offers plans with a range of choices with low rates and down payments. No credit check is required, and qualification is instant.
Offers different ranges of coverage to accommodate your needs and protect your vehicle against high-cost repairs.
Offers four tiers of extended auto coverage that lessen the cost of repairs associated with mechanical breakdowns, damage to vehicle appearance and theft. Sold through most dealerships and honored by most repair facilities in the United States and Canada.
Compare Reviews for Top Extended Auto Warranty Companies
|Maxcare Auto Warranty|
Read 93 Reviews
Offers comprehensive plans customized for your vehicle. Emergency roadside assistance, rental reimbursement and nationwide coverage included. Warranties available on vehicles up to 150,000 miles. Deductibles from $0–$250.
|Portfolio Protection Vehicles & Services|
Read 27 Reviews
Offers exclusionary or powertrain warranties for new and premium vehicles, or high-tech or powertrain for used vehicles. Towing and rental car coverage included. Available through dealerships. Length and payments vary.
|Fidelity Warranty Services|
Read 173 Reviews
Find 5 protection plan levels ranging from Powertrain to Platinum. Purchase warranties up to 120,000 miles. Deductibles from $0–$250. Rental car, towing, fluids and travel coverage included. Financing options available.
|First Extended Service Corporation|
Read 77 Reviews
Now a part of Assurant, this company offers vehicle protection plans for automobiles, RVs, boats and motorcycles. Pay for claims for authorized repairs directly through your repair facility to save time and cut down on paperwork.
Read 154 Reviews
Provides 4 coverage options from 12–48 months or 12,000–48,000 miles. All plans include engine group, transmission and brakes. Includes roadside assistance and coverage for rental car expenses. Standard deductibles are $100.
|Diamond Warranty Corp|
Read 59 Reviews
Choose from 6 protection from 3 months/unlimited miles up to 6 years/100,000 miles. All plans include 24/7 roadside assistance. Top-tier plans cover rental cars and trip interruption. Purchase at dealerships.
|Penn Warranty Corporation|
Read 34 Reviews
Choose from 5 protection plans, starting at 6 months/7,500 miles. Deductibles for all plans are $100. Includes rental coverage and choice of repair shop. Prices vary by dealership.
Read 50 Reviews
A selection of warranties with mileage limits and costs based on specific factors, including your GM vehicle's make, model and year. Substitute transportation coverage included. Interest-free 12– 18-month payment plan.
|Zurich Auto Warranty|
Read 18 Reviews
Available exclusively at authorized car dealerships, four customizable vehicle service contracts cover unexpected expenses for new and used vehicles. Prices vary by location.
|Phoenix Extended Care (formerly Wynn's Extended Care, Inc.)|
Read 83 Reviews
Offers 3 programs with 5 levels of vehicle service protection. Options for new, used and high-mileage vehicles. 24/7 roadside assistance included. Deductibles from $0–$200. Available through dealerships. Costs vary by vehicle.
Read 25 Reviews
Choose from 4 protection plans that cover vehicles up to 10 years and 120,000 miles. Roadside assistance, rental car coverage and towing included. Also covers wear and tear up to 50,000 miles. Deductibles from $0–$100.
Read 25 Reviews
Offers multiple protection plans up to 5 years. Includes roadside assistance and rental coverage. Various down payments and no-fee payment plans. Deductibles as low as $100.
|American Guardian Warranty Services, Inc|
Read 93 Reviews
Select from 3 plans with stated component or exclusionary coverage options. Roadside assistance, rental car reimbursement and trip interruption included. Deductibles range from $0–$200. Available through dealerships.
|Preferred Warranties Inc.|
Read 26 Reviews
Offers 7 plans including high-mileage and budget options. Roadside assistance and rental car coverage included with most. Includes choice of repair shop. Available only through dealerships. Deductibles and down payments vary.
|InterContinental Warranty Company|
Read 46 Reviews
Multiple plans for vehicles up to 150,000 miles with optional deductibles and nationwide protection. Towing, rental cars, roadside assistance and travel expenses also covered. Plan prices vary by vehicle.
|Pay My Repairs|
Read 25 Reviews
Choose from multiple protection plans, including full coverage, stated component and powertrain options. Max coverage is up to 160,000 miles. Roadside assistance and rental benefits included with most. Payment plans available.
|Select Auto Warranty||Read Reviews|
Provides auto protection plans that offer nationwide coverage. Plans vary by state and specifics such as the make, model, year and mileage of the vehicle.
|US Warranty Corp of Florida|
Read 12 Reviews
Has a variety of different vehicle service contract options available through over 800 dealerships to cover used and new cars. Also offers maintenance plans. Protection terms and pricing vary by dealership.
|ASAP Auto Warranty|
Read 549 Reviews
|Out of Business|
American Standard Auto Protection (ASAP) offers three coverage plans that include out-of-gas rescue, locksmith services and 24-hour roadside assistance. ASAP is a direct contract seller and plans last between one and 10 years.
|Direct Buy Auto Warranty|
Read 584 Reviews
|Out of Business|
Direct Buy Auto Warranty opened in 2009, and it is headquartered in Iselin, New Jersey. The company sells service contracts for consumers who want protection from expensive auto repairs.
|Auto Service Agency|
Read 91 Reviews
|Out of Business|
Auto Service Agency works with consumers to create a personalized service contract for their vehicle. The company offers four customizable plans including New Car, Comprehensive, Power Train and Power Train Plus.
|Mid-Atlantic Warranty Corporation|
Read 16 Reviews
|Out of Business|
Mid-Atlantic Warranty Corporation, headquartered in Wilmington, Delaware, offers auto warranties to consumers in Delaware, Maryland, New Jersey, Pennsylvania and Virginia. It offers both comprehensive and powertrain options.
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