Buick extended warranty: cost, coverage and plans

Buick extended warranty coverage

Buick’s official extended warranties (aka vehicle service contracts) are called Buick Protection Plans. These plans cover up to 1,500 parts for up to eight years or 100,000 miles (whichever comes first) and are essentially designed to extend your two main Buick factory warranties, which provide three years or 36,000 miles of bumper-to-bumper protection and five years or 60,000 miles of powertrain protection.

Keep in mind that auto warranties only cover the cost of fixing factory defects. They almost never cover repairs needed due to collision damage, weather damage, abuse, neglect or most other scenarios.

As for Buick Protection Plans, most Buick vehicles will be eligible for protection as long as they’re less than 7 model years old and have fewer than 100,000 miles on their odometers.

You can only purchase Buick Protection Plans from a Buick dealership, and not every dealership sells them (some only partner with third-party warranty companies). So, you may have to call around to find a dealer that does.

» LEARN: What does a car warranty cover?

Buick extended warranty benefits

All Buick Protection Plans feature the following benefits in addition to covering repairs:

• Roadside assistance, including battery service, flat tire assistance, emergency fuel delivery (up to three gallons three times), emergency fluid delivery (cost of fluids not included) and lockout assistance
• Towing assistance of up to $100 per occurrence for a covered breakdown
• Rental car coverage of up to $40 daily for 10 days while your Buick is in the shop for a covered repair
• Trip interruption protection of up to $200 per day for up to five days if your Buick experiences a covered breakdown more than 100 miles from home

Overall these are above-average benefits for an extended auto warranty from a major manufacturer. Up to $1,000 in trip interruption assistance is a nice touch and should provide extra peace of mind if you frequently road-trip in your Buick.

Buick extended warranty plans

Buick Protection Plans come in three coverage levels: Powertrain, Silver and Platinum. Platinum is like your factory bumper-to-bumper warranty, while Powertrain extends your factory powertrain warranty. Silver offers something in between.

The dealers we spoke with have some strong feelings about the Silver and Powertrain plans that we’ve shared below.

» LEARN: Where can you use an extended auto warranty?

Buick extended warranty cost

For context, the average extended auto warranty costs $1,000 per year of coverage, give or take, depending on the make, model and age of your vehicle. So, how do Buick Protection Plans stack up? To find out, we called a dozen Buick dealers around the country to collect the lowest possible quotes and included the results in the table below.

Collecting quotes from different warranty providers is critical if you want to make sure you’re getting a good deal.

A few things to note before reading that chart:

• All plans were quoted based on a $100 deductible.
• One dealer also gave us quotes from a third-party warranty company called Zurich, so we went ahead and included those numbers here as well.
• You won’t see quotes for Silver or Powertrain plans because every Buick dealer we spoke with either no longer sold those plans or simply didn’t want to sell them to us.

“They’re a few hundred bucks less than Platinum,” said one dealer, “but we don’t like selling them or even quoting them because our service guys are tired of getting yelled at.”

This dealer was likely referring to the fact that customers on Silver or Powertrain plans are often disappointed to learn that an expensive repair won’t be covered by their more limited plans.

» LEARN: Buick certified pre-owned warranty

We don’t like selling [Silver or Powertrain plans] or even quoting them because our service guys are tired of getting yelled at.”

Buick Protection Plan costs

Check out the best quotes we got from Buick dealers below.

All things considered, these are some pricey extended warranties, especially considering that, for vehicles with a factory warranty remaining, the term of the Buick Protection Plan retroactively starts from mile zero — not their current mileage.

That means the seven-year Platinum plan on a 2023 Buick Enclave really only provides a maximum of four extra years of bumper-to-bumper protection, since the first three are covered by the factory warranty. $1,000 per year of coverage is high for an extended warranty, and to make the warranty “worth it,” you’ll need to average over $1,000 in unplanned, covered repairs per year. (And that’s not even including your $100 deductible per visit to the mechanic.)

If you have significant savings, getting stuck with a massive repair bill might not be a huge worry, but if you don’t, it could be ruinous. A ConsumerAffairs investigation found that most drivers surveyed couldn’t afford to pay cash for a $1,000 repair bill, and 13% of respondents simply had no way to handle a bill that large — even with credit.

Buick extended warranty terms and conditions

The Buick Protection Plan terms and conditions are pretty standard for an extended auto warranty. We’ve listed the highlights below, but it’s always smart to read your warranty contract carefully before signing.

What’s not covered by a Buick extended warranty?

Typical exclusions apply, meaning Buick Protection Plans won’t cover:

• Part failures due to damage, negligence or abuse
• Regular wear-and-tear items. like brake pads and windshield wiper blades
• Most cosmetic items

Platinum plans also won’t cover any part listed under “EXCLUSIONS” in your contract’s terms and conditions.

Buick extended warranty alternatives

Let’s see if some of our best extended car warranty companies can offer similar coverage for less. We collected quotes from Endurance and olive and compared them with the quotes we received from Buick dealers for similar coverage. You can see how they stacked up below.

Based on these results, it seems likely that you’ll be able to find similar coverage for less by going with a third-party warranty company. However, that may not always be the case, and thanks to Buick’s rising reliability, extended warranty coverage may not be worth it at all.

The best way to know for sure is to get quotes from multiple extended warranty providers and compare them with your expected costs, then make an educated decision based on your personal financial situation.

For more on extended auto warranties — what they cover, how to shop for one and how to avoid scams — check out our hub for extended auto warranty content.

» STEP-BY-STEP: How to choose an extended car warranty

Is a Buick extended warranty worth it?

Given the high cost per year of added coverage, a Buick Protection Plan probably isn’t worth it. However, it could be in some cases. Let us explain.

As a general rule, an extended auto warranty is more likely to be worth it if any of the following is true:

1. Your car has below-average expected reliability.
2. The cost of the extended warranty is less than you’d expect to spend on the repairs it would cover.
3. Getting hit with a large surprise repair bill could ruin you financially.
4. You don’t mind paying a few thousand dollars for extra peace of mind.

Since points three and four vary from person to person, we’ll provide some context to help you decide where you stand in relation to points one and two.

For starters, Buicks are reportedly pretty reliable these days. J.D. Power ranked the brand third out of 29 automakers for dependability in 2024 just behind Toyota and Lexus, while Consumer Reports placed it 12th out of 30 brands in 2023.

Reviewers generally seem happy with their Buicks, as well.

Holly, a ConsumerAffairs reviewer from Pennsylvania, said, “In the 3 years I have owned my Encore I have not had one problem. Great size, easy to handle, stable on the highway and easy to park. It is also practical because you can lower the back seats to carry large items. The back door allows for easy access to the cargo area.”

No car is perfect, however, and we’ve also seen plenty of reviews showing that your experience may vary.

Anna, a ConsumerAffairs reviewer from Michigan, wrote, “For the past 8 months, I have only been able to drive my Buick for 2 weeks at a time without having serious issues. The engine light will come on and I get the following error messages: reduced engine power, max speed 32 mph, traction control off, service StabiliTrak. The first time this happened, I was on the interstate driving 75 mph!”

As for the expected cost of repairs, RepairPal data from 2019 estimates that, on average, Buick vehicles incur just $608 in unplanned repairs and scheduled maintenance bills each year, which when adjusted for inflation is around $831. That’s slightly below the industry average, which is impressive, considering Buick is marketed as an upscale brand.

It also raises the question of why Buick Protection Plans are so expensive. The plans cost roughly $1,000 per year of coverage (that isn’t covered by the factory warranty), which is likely $400-plus more than the repairs they’re intended to cover. Factor in the $100 deductible, and you have to have some seriously bad luck with your Buick to make a Buick Protection Plan worth the cost.

That kind of bad luck can happen (a covered engine or transmission replacement could completely offset the cost of your warranty on its own), but the data we’ve seen indicates that they’re not common enough to make a Buick Protection Plan worth it unless you have a special reason to expect a major repair.

The scales may tip in the other direction if you can get a better deal on your warranty, though.

» MORE: Pros and cons of extended auto warranties