Best Extended Car Warranties in Florida

We compared 71 companies and chose the top extended auto warranty providers

    • Best overall
      Toco Warranty
      4.5(756)
    • Easy claims
      Nova Warranty
      5.0(130)
    • High-mileage vehicles
      Endurance Warranty
      4.5(16,898)
    +1 more

    Best Extended Car Warranties in Florida

    Florida’s heat and humidity can strain vehicles’ batteries, air conditioning systems and electronics. On top of that, proximity to the ocean increases the risk of corrosion from salt air, especially in coastal areas. These conditions influence which extended car warranty companies offer the best value and coverage in Florida.

    Based on recent reviews from local car owners, coverage options and overall value, Toco Warranty is the best extended car warranty company in Florida. Nova Warranty offers the smoothest claims process, and Endurance Auto Warranty is a good choice for high-mileage vehicles.

    Why trust ConsumerAffairs?
    • Our recommendations are based on what reviewers say.
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    • Our moderators read all reviews to verify quality and helpfulness.

    Our top picks for extended car warranties in Florida

    1. Best overall: Toco Warranty
    2. Best for easy claims: Nova Warranty
    3. Best for high-mileage vehicles: Endurance Auto Warranty

    Our research team reviewed dozens of extended car warranty companies in Florida. We compared coverage options, vehicle eligibility, extra benefits, costs and real customer feedback on claims handling. See our full methodology for details on how we picked the best companies. Our picks may be Authorized Partners that compensate us, but this does not affect our recommendations or evaluations.

    Learn more about extended car warranties
    Best overall

    Toco Warranty

    Toco Warranty
    Levels of coverage
    4
    Maximum mileage
    250,000 miles
    Waiting period
    90 days and 1,000 miles
    Availability
    Most states (not AK, MO or WA)

    Toco Warranty is our top recommendation for Florida drivers because it provides extensive protection for vehicles up to 25 years old, making it ideal for drivers with older or high-mileage cars. Toco does not require upfront payments, and Floridians can choose any ASE-certified repair shop, giving flexibility during a stressful move. 

    Unlike most companies, Toco structures its coverage tiers based on a car’s mileage, making it easy to match your needs without overpaying.

    When making our overall top pick, we considered several factors, including critical features (like what vehicles they cover) and how Florida customers reviewed their coverage, pricing and customer service.
    Pros
    • Helpful and knowledgeable reps
    • Covers vehicles up to 250,000 miles
    • Price-lock guarantee
    Cons
    • Somewhat limited price transparency
    • Not all plans available for every vehicle

    Toco Warranty offers four coverage plans:

    • Green: Basic powertrain coverage up to 250,000 miles; includes hybrid vehicle options
    • Blue: Powertrain plus A/C, fuel, and electrical for under 200,000 miles
    • Yellow: Listed component coverage up to 150,000 miles
    • Orange: Exclusionary coverage (meaning all parts are covered except specific exceptions listed in your contract) for vehicles under 100,000 miles

    We were quoted the following annual costs for the plans that correspond to each car’s mileage, with a $100 deductible:

    VehiclePlanAnnual cost
    2016 Toyota Camry (110,000 miles)Yellow$949
    2015 BMW 3 Series (125,000 miles)Yellow$2,823
    2014 Honda CR-V (135,000 miles)Yellow$928
    2013 Ford F-150 (150,000 miles)Blue$1,148
    Best for easy claims

    Nova Warranty

    Nova Warranty
    Levels of coverage
    2
    Maximum mileage
    130,000 miles
    Waiting period
    30 days
    Availability
    Nationwide

    Nova Warranty is an excellent option for Florida residents who want simple, straightforward coverage and a reputation for handling claims smoothly. Nova’s two-plan structure makes it easy for drivers to select a plan that fits their needs without getting overwhelmed by too many choices.

    Nova’s comprehensive plans cater to luxury and exotic cars, which is somewhat rare in the extended car warranty industry. However, maximum mileage and vehicle age limits are noticeably lower than competitors, so it may not suit older vehicles.

    Pros
    • Covers luxury and exotic vehicles
    • Roadside assistance and towing included
    • Transferable contracts
    Cons
    • No online quotes
    • No online claims process
    • Low maximum mileage and vehicle age restrictions

    Nova offers two plans:

    • Powertrain: Covers essential components like the engine, transmission, drive axle, electrical systems, cooling systems and brakes.
    • Superior: Includes all Powertrain coverage plus turbos/superchargers, all-wheel/four-wheel drive components, suspension, steering, air conditioning and heating, fuel systems, anti-lock brakes and high-tech electronics like factory-installed GPS.

    Nova Warranty quotes were collected based on its shortest contract period: three years. These are based on annual payments; paying monthly will increase the cost of coverage with Nova.

    VehiclePlanAnnual cost
    2016 Toyota Camry (110,000 miles)Nova Powertrain$1,117
    2015 BMW 3 Series (125,000 miles)Nova Powertrain$1,268
    2014 Honda CR-V (135,000 miles)Nova Powertrain$967
    2013 Ford F-150 (150,000 miles)Nova Powertrain$850
    Best for high mileage vehicles

    Endurance Warranty

    Endurance Warranty
    Levels of coverage
    12
    Maximum mileage
    Unlimited miles
    Waiting period
    30 to 60 days and 1,000 miles
    Availability
    Nationwide (not MA)

    Endurance has no mileage cap, making it ideal for older, high-mileage vehicles. We like that the company offers a range of perks, including roadside assistance, rental car coverage and trip interruption benefits. Customers also praised the clear sign-up process and helpful representatives.

    Pros
    • Easy to sign up
    • No mileage limits
    • 24/7 roadside assistance
    • Online quotes
    • Older vehicles are eligible
    Cons
    • Cancellation can be tricky
    • No corrosion coverage

    Endurance offers three plan options on its website:

    • Secure Plus: Basic powertrain, brakes, steering and electrical
    • Superior: Adds fuel and cooling systems
    • Supreme: Exclusionary bumper-to-bumper coverage

    There are nine additional plans, which Endurance may offer after you request an online quote or speak with a representative.

    We were quoted the following annual costs from Endurance’s website:

    VehiclePlanAnnual cost
    2016 Toyota Camry (110,000 miles)Secure Plus$1,235
    2015 BMW 3 Series (125,000 miles)Premier Plus$2,573
    2014 Honda CR-V (135,000 miles)Secure Plus$1,834
    2013 Ford F-150 (150,000 miles)Premier$2,014
    3x Award Winner
    Selected for having one of the highest satisfaction rates for Best Customer Service, Best Coverage and Best Value

    Extended Car Warranties in Florida Buyers Guide

    Jump into our guides and start learning

    Top Picks

    See who reviewers like

    Toco Warranty logo
    Nova Warranty logo
    Endurance Warranty logo
    See our top picks

    Simplify your search

    Compare plans tailored to your car & budget.

      Selecting the right extended car warranty can protect your finances from unexpected repairs, but choosing the wrong provider could add unnecessary stress to your move. If you are still deciding, consider the costs, be alert for scams and ask yourself if the coverage really fits your long-term plans.

      Key insights

      The usual yearly cost for an extended car warranty is about $1,000, though your rate will depend on your car’s age, mileage, plan level and the provider you select.

      Jump to insight

      The industry is known for confusing contracts and aggressive sales tactics, so it’s critical to check customer reviews and compare each plan’s coverage side by side before making a decision.

      Jump to insight

      A warranty is often worth it if you have an older car, expect high-priced repairs and trust that the company will pay when you submit a claim.

      Jump to insight

      How do extended car warranties work?

      An extended car warranty, sometimes called a vehicle service contract, is designed to pay for certain repairs once the original manufacturer’s warranty expires. For Florida drivers, this means you won’t have to worry as much about large, surprise repair bills while settling into a new home. Keep in mind, though, that every warranty comes with a list of what’s covered and what’s excluded.

      An extended car warranty helps pay for replacements or repairs when parts fail, but it does not cover damage caused by accidents or misuse — that’s what car insurance is for.

      » GUIDE: What to know about car warranties

      Types of car warranties

      There are two main types of car warranties: stated-component and exclusionary. With either option, the car warranty covers only failures that happen during normal use.

      • Stated-component warranties: Only cover the parts specifically listed in your contract. For example, a drivetrain warranty will protect the transmission, drive axle, differential and related parts. A powertrain warranty adds engine coverage.
      • Exclusionary warranties: Protect everything except those items specifically excluded in the contract. Bumper-to-bumper warranties are a type of exclusionary plan, offering wider protection.

      Extended car warranty costs

      The price of a bumper-to-bumper extended warranty often falls between $1,400 and $4,000 per year of coverage. Some providers require you to pay for the full plan upfront, while others allow monthly payments. Purchasing through a car dealer usually comes with extra interest, which can make dealer plans less appealing for those looking to save.

      Are extended car warranties worth it?

      If your car is older, or if you plan to keep it for several years, an extended car warranty can be worth it. In Florida, higher mileage and heat can accelerate wear and tear, making extended coverage more attractive. Still, if the contract is restrictive or doesn’t match your needs, it may not be a wise investment.

      The most important benefits of a warranty are financial peace of mind and long-term savings.

      If filing a claim is simple and the plan covers issues you’re likely to face, the extra protection can pay for itself. This is why you should always read the contract and check customer feedback before signing up.

      How to choose a car warranty in Florida

      To choose a car warranty company in Florida, decide the coverage you need, compare reliable providers, read reviews from local drivers, request multiple quotes and review the contract details carefully. The highest-rated car warranty providers in Florida all offer broad coverage, reliable customer support and straightforward claims. Consider these tips as you compare options:

      • Coverage clarity: Know exactly what your plan covers and what it does not. Transferable and cancelable contracts offer added flexibility if your plans change.
      • Reputation: Look for companies with a track record of satisfied Florida customers. Watch for patterns in complaints that might suggest future problems.
      • Claims experience: Ask about the speed of claims approval and whether you can use your preferred mechanic or are limited to a certain network.

      FAQ

      How can I avoid car warranty scams?

      To avoid scams, never purchase from unsolicited callers or share personal details with strangers. Instead, use a reputable provider’s official website or phone number. This will reduce your risk of hidden fees and unnecessary stress. If you receive questionable calls or messages, you can file a complaint with the FCC to help reduce scam activity for everyone.

      Should I get an extended warranty when I buy a new car in Florida?

      It’s best to wait before buying an extended warranty on a new car in Florida. The state’s Lemon Law offers strong protection for buyers of new vehicles under their original manufacturer warranty. The right time to consider extra coverage is as the original warranty nears expiration.

      » COMPARE: Best new car warranties

      Can I cancel my extended car warranty?

      Most providers will let you cancel your warranty, though a cancellation fee may apply. Your refund depends on how long you’ve had the plan and whether you’ve filed any claims.

      What laws and regulations govern Florida service contracts?

      Florida service contracts are governed by Chapter 634, Part I of the Florida Statutes, which requires providers to be licensed by the Florida Office of Insurance Regulation (OIR) and maintain financial safeguards like reserve accounts or reimbursement insurance policies. Providers must also adhere to disclosure, cancellation and claims handling rules to protect consumers.

      Methodology

      The ConsumerAffairs Research Team used a research-backed, data-driven approach informed by our expert editors to choose the best extended car warranty companies. We looked at thousands of verified reviews, levels of coverage, maximum mileage, maximum vehicle age and additional benefits.

      Companies were given a score out of 10 for each metric, with 10 going to the company with the highest value and other companies receiving relative scores. We then weighted each metric and added together the nine metric scores to get a final score.

      • Reviews: We analyzed consumer sentiment related to coverage satisfaction, customer service satisfaction, price satisfaction and claims handling satisfaction:
        • Coverage satisfaction: How well consumers felt the plan’s coverage met their needs.
        • Customer service satisfaction: The responsiveness, helpfulness and professionalism of support.
        • Price satisfaction: How consumers viewed the value of their warranty relative to the cost.
        • Claims handling satisfaction: The ease, speed and fairness of the claims process.
      • Levels of coverage: We evaluated how many plan tiers each company offered and whether those plans included comprehensive warranty options like bumper-to-bumper and powertrain coverage.
      • Maximum mileage: We assessed the highest mileage limit a provider allows for contract eligibility or coverage duration, giving higher scores to those with more generous high-mileage caps.
      • Maximum vehicle age: We considered how old a vehicle can be and still qualify for coverage, prioritizing providers with higher age limits to better serve owners of a used vehicle or older car.
      • Additional benefits: We examined the availability and quality of extra features like roadside assistance, rental car reimbursement and trip interruption coverage, rewarding companies that offer a more robust set of perks.

      Not sure how to choose?

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