Our promise. We provide a buying advantage with verified reviews and unbiased editorial research.

Overall Rating4.3 out of 5
See all 4,258 reviews

About CARCHEX Reviews

CARCHEX helps you purchase and maintain your car by offering various vehicle products, including extended auto warranties. Rather than offering its own plans, CARCHEX works with multiple third-party warranty providers. These vehicle service contracts cover repairs due to mechanical failures or malfunctions but not collisions. Plans also come with additional benefits like roadside assistance and towing.

Pros & Cons


  • Available in California
  • Partners with charities
  • Accepts high-mileage cars
  • Lower-cost plans available


  • Doesn't cover exotic vehicles
  • Some contracts aren't renewable

Bottom Line

Consider CARCHEX if you’re looking for an extended auto warranty, especially if you have a high-mileage vehicle. Although its contracts can be confusing, company representatives can help you understand what you're signing.

Featured Reviews

Fl, FL

The sign up process was really simple and easy. The associate gave me a lot of information and answered all of our questions. ... I had hard questions and if he didn't know the an...

Read full review
Jemison, AL

I spoke to a young lady at CARCHEX. ... She was there to help me and she didn't let anything stop her. She was able to lower the price. The plan sounded like a pretty good deal. I...

Read full review

CARCHEX warranty cost

The average price of a five-year contract with CARCHEX is about $1,500. Expect to pay approximately 2 cents per mile of coverage. However, costs vary based on your vehicle’s mileage, year, make and model. The best way to get a better idea of your cost is to get a quote directly from CARCHEX.

CARCHEX lets you pay for your extended warranty over a maximum of 24 months. No down payment is required during this period. CARCHEX accepts all major credit cards, and it has a 30-day, money-back guarantee in case you decide CARCHEX isn’t right for you.


CARCHEX offers five coverage levels that span 16 different warranty plans from different providers.

Plan nameType of coverageTerm lengthsIdeal for
Titanium CoverageBumper-to-bumper7 – 10 yearsComprehensive coverage
Platinum CoverageStated-component5 – 10 yearsShort-term coverage
Gold CoverageComprehensive5 – 10 yearsVehicles with over 60,000 miles
Silver CoverageEssential5 – 10 yearsBasic coverage
Bronze CoverageMajor systems5 – 6 yearsAffordability

Every CARCHEX warranty is, at a minimum, a powertrain warranty. This means that your vehicle’s transmission, drive axle(s) and engine are covered along with the other components that send power to the wheels.

CARCHEX coverage

CARCHEX’s coverage is available for vehicles with up to 250,000 miles. This coverage kicks in after a waiting period of 30 days and 1,000 miles, but this is a fairly standard requirement among extended auto warranty providers. Once you’re past the waiting period, CARCHEX covers authorized vehicle repairs made at licensed service facilities. You can use its mobile app or website to find a vehicle repair facility near you.

All of CARCHEX’s plans are transferable, and coverage is available in California, which isn't true of many warranty providers. However, not every warranty is renewable.

Additional benefits from CARCHEX include:

  • Towing
  • Vehicle lockout services
  • Rental car coverage
  • Roadside assistance
  • Emergency fuel delivery

You can also opt for emissions coverage, key fob protection and luxury electronics coverage.

A CARCHEX auto warranty won’t cover everything, though. Modified or aftermarket components aren’t covered, including lift kits or trailer hitches. CARCHEX also doesn’t cover regular maintenance items like oil changes or consumable parts like tires, wiper blades and spark plugs. Check your vehicle service contract for details.


What does CARCHEX cover?

CARCHEX offers five levels of coverage, with 16 plans available through its various providers. These plans range from bumper-to-bumper to powertrain coverage.

  • The Titanium tier provides bumper-to-bumper coverage.
  • Platinum plans offer CARCHEX’s highest level of stated-component coverage.
  • Gold-tier warranties provide comprehensive coverage, including major vehicle components.
  • Silver programs offer essential coverage for major vehicle systems.
  • Bronze contracts are CARCHEX’s lowest level of coverage, often covering the vehicle’s powertrain.
Is CARCHEX legitimate?

Yes, CARCHEX is a legitimate company that partners with multiple warranty providers and is registered with reputable third-party organizations.

Where is CARCHEX available?

CARCHEX is available in all 50 states. Check the company’s website to make sure there’s an authorized repair facility near you.

Is CARCHEX worth it?

CARCHEX is worth it if you’re considering an extended auto warranty. Its coverage and additional benefits, like roadside assistance and fuel delivery, can provide peace of mind and save you money. Plus, its app makes it easy to find a licensed repair facility.


Top reviews
  • Top reviews
  • Recent
  • Oldest
  • Most helpful
  • Any

A link has directed you to this review. Its location on this page may change next time you visit.

1 featured review
How do I know I can trust these reviews about CARCHEX ?
  • 4,309,661 reviews on ConsumerAffairs are verified.
  • We require contact information to ensure our reviewers are real.
  • We use intelligent software that helps us maintain the integrity of reviews.
  • Our moderators read all reviews to verify quality and helpfulness.
Page 1 Reviews 0 - 5
Verified purchase
Customer ServiceCoverageSales & MarketingPunctuality & Speed

Reviewed Sept. 21, 2023

There was an ad on Facebook for CARCHEX and I clicked on it. They didn't call me and aggravate me with a bunch of promotional calls. There's this one company that is a very prominent name and they aggravate people so badly with calls that I decided a long time ago I wouldn't buy their product if it was the only one on earth. I called the CARCHEX phone number and was connected to someone who was very helpful.

In receiving my written contract, I sometimes scratched my head as I sat here last night and read through that. I'm beginning to wonder what is covered under that contract and what will I actually get in the event that my car does have serious issues. One other thing that I had to read two or three times was the fact that it's so many months or so many miles before the contract ever kicks in. The other part that I question and wonder about is having to have everything approved ahead of time before I can have any work done on my car. But I would have to take the car to a garage first before I know what's wrong with it and then I gotta make phone calls and get somebody on the other end to understand what they're talking about. I'm not sure how helpful this policy is gonna be but I'm gonna try it for a while and see how it goes with it.

I hope I'm not just throwing money away for no service when the time comes. My car is the very first one I ever had and I was in my 70s when I bought it. I'm now in my second year of being 80 and there are no issues with my car. I don't expect or anticipate any. But in the event that something does happen, it's a good idea to carry that CARCHEX contract. So far, I've only been in contact with one person. The lady I talked to was very nice. I got a phone call the other day wondering if I actually had agreed to have that payment put on my credit card. I agreed to a one-time payment.

Thanks for your vote! Report

Not sure how to choose?

Get buying tips about Extended Auto Warranties delivered to your inbox.

    By entering your email, you agree to sign up for consumer news, tips and giveaways from ConsumerAffairs. Unsubscribe at any time.

    Thanks for subscribing.

    You have successfully subscribed to our newsletter! Enjoy reading our tips and recommendations.

    Verified purchase

    Reviewed Sept. 12, 2023

    I decided to check into CARCHEX and my experience was good with a fellow I spoke with. He clearly explained everything to me. I went back over it. And what I didn't understand, he re-explained. He was very patient. So, I decided to go ahead and sign up with him. He explained to me all of it that were perks. We came to a dollar amount arrangement and that helped to seal the deal. Perks are very important. People wanna see what they get for their money and that made it even more enticing for me to go ahead and select CARCHEX.

    He had to go over both packages. I was interested in knowing what was covered. I am not well-versed in all the mechanics of a car, but I listened carefully about what I wanted and I wanted the best protection for my car. That's how we arrived at my package. It was much easier than I thought it would be. And he made it simple and said, "And if you have any questions at all, you can contact us about anything." So, I felt rest assured that I was in good hands, that my car was protected and I had the peace of mind I needed and I just had to pay my monthly fee.

    The setup was easy, the information was comprehensive, that I had a clear understanding of what I was paying for and what I was getting for my money. And that if they wanted to have somebody, until they prove you wrong by their actions in not fulfilling the agreement, you can trust them. Until they prove me wrong, I'm okay with making my monthly payments.

    Thanks for your vote! Report
    Verified purchase
    Customer ServiceCoverage

    Reviewed Sept. 12, 2023

    I went online and checked Carchex, and I talked to the guy. I was impressed with the coverage and everything they had to offer. The deductible was $200 and I said I couldn’t do that because Endurance was giving me a $100 deductible. And the guy from Carchex said they could do the same thing. I told him to do it and not to screw me with another $100 from the beginning knowing well that Endurance was gonna give me that. So with my being a disabled veteran, I got a discount from them. The guy said he would send me a package and I asked if that was a problem. He said no. Carchex shouldn’t give me a hard time with getting my package in because Endurance did that to my buddy. It took him almost three weeks to get the package.

    Other agents from Carchex kept on calling me and I told them they needed to get themselves together. The agents are not communicating or they're not checking the computer that I already bought a policy. The first guy was trying to get me to do multiple cars and I said I still have a warranty on my truck. I'm not gonna do anything on my truck until my warranty has expired. So I'm just waiting. This guy was trying to pressure selling me that way and I told him not to do that. I'm not gonna deal with him until December when my truck is paid off. So then, I had this other money that I could work with. Today, this other guy calls me from CARCHEX, trying to talk me into getting that extended warranty on my truck. I said I already talked to Oscar and I already told him my situation. I said he should not bother me anymore or I'll forget about going with Carchex on my extended warranty on my truck.

    Thanks for your vote! Report
    Verified purchase
    Customer ServiceCoverageSales & MarketingPrice

    Reviewed April 22, 2023

    The CARCHEX rep and I were on the telephone for an hour, which was a very long time. I had a lot of questions. And there was a big push to get me to hurry up and agree to it and close the deal. They were going for the fast close. I asked questions about, "Was this commission based?" I know what the gig is, so I wouldn't feel pressured to rush myself through the process. I was very thoughtful as we worked our way through it.

    The funny part was, because I had researched it online, I knew what the price parameters were. They started out much higher than anything that they advertised. When I began to pause and have reservations, they started lowering the price. So by the time it was over, it had come down percentage-wise a bit. So, it was just a big game. I've thought about people that don't do any research and don't understand how the sales machine works, probably not a good thing, because they're probably paying more for it than they should.

    I liked the flexibility and where I could take my car for service, that there's no end date to it, your payments are fixed for however long you wanna maintain the plan. And I can cancel it anytime I want to. The only thing it doesn't cover is standard maintenance. I bought a used car, so I was looking for something that was all-inclusive. So if I keep it for 5 years, I keep it for 5 years. If I keep it for 10, I keep it for 10. But for right now, it fits my needs.

    Thanks for your vote! Report
    Verified purchase
    Customer ServiceCoverage

    Reviewed Nov. 28, 2022

    I found an email from CARCHEX so I gave them a call because I went online and I saw that CARCHEX was higher rated than Endurance, which I initially worked with. The representative that I talked to pointed out something very important, which is the limit of liability. I wasn't aware of that. My car is a 2011 BMW and it's a beautiful car. It's not new and it's only gonna go lower over time. The limit of liability to the value of the car renders the policy useless. By the end of the policy, you would have paid more money for the policy than what the car is worth. If you're gonna cover me for $5,000 and charge me $600 for the policy upfront, this is a scam. CARCHEX offered a $15,000 limit of liability, which is more than enough to fix whatever happened with the car. Even if it's something with the engine, the warranty still covers it.

    The rep I spoke with was perfect. He was very clear about what he was explaining. I reached out to him a couple of times on the call and he always answered. He was very informative and very respectful. I really liked the experience. The only thing with CARCHEX was I didn't get an email with my policy. Endurance sent me an email with the booklet type of thing. With CARCHEX, I got an email with a separate contract and the representative told me that I would be getting the actual policy in the mail. It's no big deal but I would have liked to get the actual policy.

    Thanks for your vote! Report
    Response from CARCHEX


    Thank you for your feedback! Very glad to hear we could assist in setting you up with coverage for your vehicle. Please reach out at any time should you have any additional questions regarding your plan. Thank you for choosing CARCHEX!

    Verified purchase

    Reviewed Sept. 16, 2023

    The CARCHEX lady that I spoke to gave me an extended discount per month. I got towing and roadside assistance with the program that I signed up with and I would tell a friend to check out CARCHEX because it's better safe than sorry. And it is very affordable at around $3.50 a day. People spend that on candy and cigarettes, so you might as well spend it on something that you are going to need that benefits you.

    Thanks for your vote! Report
    Verified purchase
    Sales & Marketing

    Reviewed Sept. 13, 2023

    When I talked to Carchex, the rep seemed to know what he was talking about. He was polite. But it was a little high-pressure sales. It was like a timeshare-type thing. I was really thinking of almost not doing it because of that. They told me, "Would you sign up today if I could get my boss to agree to this? Well, let me go talk to him." Right there, I almost hung up. But it was something I was interested in, so I didn't. Carchex shouldn't do that. If they know a price they can offer you, they should just say, "Hey, it's this price," and then sell it on the product itself, not that timeshare sales tactic. So I'm still on the fence on whether I cancel this out because of that.

    I was disappointed that Carchex didn't offer me the premier package. They said it was because my car had over 100,000, and they couldn't offer me the package where it protects the electrical, like the navigation and the electrical component type stuff. That's another reason why I'm still considering my 30-day period of dropping Carchex.

    Thanks for your vote! Report
    Verified purchase
    Customer Service

    Reviewed Sept. 13, 2023

    CARCHEX called me, I talked to the lady, and she convinced me. She was very friendly and knew what she was talking about. It was very good.

    Thanks for your vote! Report
    Verified purchase
    Customer ServiceSales & MarketingPrice

    Reviewed Sept. 12, 2023

    It's a little bit hokey that when I called CARCHEX, the price started out at 279, then within two minutes, it was 249. Within another three minutes, it was 219, and within another two minutes, it was 149. Then it ended up being 119. I know about sales but they should have one price when someone calls. I got the premium package and I wanted to cover as much as possible on the car. The rep said the warranty would take effect within 500 miles or 28 days and he was professional enough. I asked how to submit a claim and he gave me a phone number. He also said that I should tell him the account number that I would get in the email and I did.

    Thanks for your vote! Report
    Verified purchase

    Reviewed Sept. 12, 2023

    The CARCHEX rep explained the package quite well and that met what I was willing to pay to get the coverage that I wanted.

    Thanks for your vote! Report
    Loading more reviews...

    CARCHEX Company Information

    Company Name:
    Company Type:
    Year Founded:
    118 Shawan Road, Suite 210
    Postal Code:
    United States