Best Extended Car Warranties in Michigan

We compared 77 companies and chose the top extended auto warranty providers

    • Best overall
      Endurance Warranty
      4.5(16,953)
    • Free car care
      Omega Auto Care
      4.0(1,489)
    • Easy claims
      Zurich Vehicle Service Contract
      4.3(958)
    +1 more

    Best Extended Car Warranties in Michigan

    Michigan's harsh winters and deteriorating roads lead to accelerated wear and tear for drivers. Common issues include corrosion from road salt, suspension damage from potholes and battery failures due to extreme cold. An extended warranty can help manage these unexpected repair costs and ensure that vehicles remain reliable year-round.

    Based on recent reviews from local car owners, coverage options and overall value, Endurance Auto Warranty is the best extended car warranty company in Michigan. Omega Auto Care stands out for offering free car care, and Zurich gets consistently good customer reviews for its easy claims process.

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    Our top picks for extended car warranties in Michigan

    1. Best overall: Endurance Auto Warranty
    2. Best for free car care: Omega Auto Care
    3. Best claims process: Zurich Vehicle Service Contract

    Our research team reviewed dozens of extended car warranty companies in Michigan. 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

    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 Auto Warranty earns its spot as our top pick in Michigan due to its flexibility for older and high-mileage vehicles. The company stands out with unlimited mileage cap, 24/7 roadside assistance and perks like rental car and trip interruption benefits.

    Michigan drivers frequently mention that starting a policy is straightforward and that staff are responsive and helpful during the claims process.

    When selecting our overall winner, we considered what matters most to Michigan car owners, including coverage for older vehicles, plan flexibility and positive customer experiences.
    Pros
    • Easy to sign up
    • No mileage limits
    • 24/7 roadside assistance
    • Transferable plans
    • Older vehicles are eligible
    Cons
    • Cancellation can be tricky
    • No corrosion coverage
    • Limited rental car reimbursements

    Endurance lists three plans on its website:

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

    More options are available. You can speak with an Endurance representative to hear about all 12 of the plans it offers (but doesn’t always advertise).

    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
    Best for free car care

    Omega Auto Care

    Omega Auto Care
    Levels of coverage
    5
    Maximum mileage
    250,000 miles
    Waiting period
    30 days
    Availability
    Nationwide

    Omega Auto Care is unique among warranty companies for Michigan drivers because it covers regular vehicle maintenance like oil changes and brake pads during your warranty period. The added car care benefits can save you up to $500, and coverage includes important support services such as roadside assistance and rental car reimbursement.

    For drivers who want predictable car expenses and help maintaining their vehicles, Omega’s maintenance-focused plans are a great fit. Just be aware that the Maintenance Program expires 13 months after your warranty purchase date (12 months after the 30-day waiting period).

    Pros
    • Lots of coverage options
    • Covers older cars
    • Low upfront cost
    • Helps with car care
    Cons
    • No online quotes

    Omega offers five different plans, including three levels of powertrain-adjacent coverage:

    • Powertrain: Covers engine, transmission and other drivetrain components
    • Powertrain Plus: Adds more parts to Powertrain plan
    • Powertrain Enhanced: Adds more, including key electrical components
    • Used Stated: Covers many parts across all systems
    • Exclusionary: Bumper-to-bumper coverage with few exceptions

    We were quoted the following annual costs from a third-party site that offers Omega plans:

    VehiclePlanAnnual cost
    2016 Toyota Camry (110,000 miles)Powertrain Plus$804
    2015 BMW 3 Series (125,000 miles)Powertrain Plus$1,656
    2014 Honda CR-V (135,000 miles)Powertrain Plus$900
    2013 Ford F-150 (150,000 miles)Powertrain Plus$924
    Best claims process

    Zurich Vehicle Service Contract

    Zurich Vehicle Service Contract
    Levels of coverage
    3
    Maximum mileage
    150,000 miles
    Waiting period
    10 to 30 days (varies)
    Availability
    Most states (not FL)

    Zurich is our pick for best claims process based on the number of positive reviews related to customer service, claims handling and refunds.

    While Zurich previously only sold extended warranties through new car dealers, it teamed up with Caramel in 2023 to sell plans directly to consumers online.

    Pros
    • Simple sign-up process
    • Multiple coverage options
    • Transferable contracts
    • Wide repair network
    Cons
    • Some customer service complaints
    • Below-average vehicle age and mileage requirements

    Zurich offers three plan options:

    • Silver: Basic coverage (engine, transmission, brakes)
    • Gold: Adds steering system
    • Platinum: Adds GPS, suspension, A/C, seals and gaskets

    Extended Car Warranties in Michigan Buyers Guide

    Jump into our guides and start learning

    Top Picks

    See who reviewers like

    Endurance Warranty logo
    Omega Auto Care logo
    Zurich Vehicle Service Contract logo
    See our top picks

    Simplify your search

    Compare plans tailored to your car & budget.

      Choosing the right extended warranty can mean thousands in repair savings and predictable monthly cost. But picking the wrong provider may lead to denied claims or frustrating customer service. That’s why it pays to check real customer reviews, compare costs and evaluate if the coverage is truly necessary for your vehicle and lifestyle.

      Key insights

      Extended auto warranty plans in Michigan typically cost around $1,000 per year, with the price influenced by your vehicle’s age, condition and the coverage you select.

      Jump to insight

      Many plans can appear similar, but confusing exclusions and upselling are common. Reading real customer feedback and comparing coverage details helps protect your budget and peace of mind.

      Jump to insight

      If you plan to keep your car for only a short time, or if the plan leaves out too many critical repairs, an extended warranty may not deliver enough value to justify the cost.

      Jump to insight

      How do extended car warranties work?

      Extended auto warranties, also known as vehicle service contracts, are plans you buy to help pay for unexpected repairs after the original warranty from your manufacturer runs out. They act as a safety net for owners, covering car breakdowns that happen during normal use.

      Types of car warranties

      There are two main kinds of extended car warranties. Stated-component plans list all the parts they protect, like engines or transmissions. Exclusionary warranties, often called bumper-to-bumper, cover everything except the items they specifically exclude. Both types only pay for failures that happen naturally — not for damage from accidents or improper use.

      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: Everything to know about car warranties

      Extended car warranty costs

      A top-tier, bumper-to-bumper extended warranty costs between $1,400 and $4,000 per year. Some providers let you pay all at once or in monthly installments, while dealership warranties often add interest, making them more expensive over time.

      Are extended car warranties worth it?

      An extended auto warranty may be worth it for Michigan drivers if you own an older car or plan to keep your vehicle after the factory warranty expires. Michigan’s climate and long-distance drives can increase wear and tear, so having protection can mean less stress about costly repairs. If a plan fits your budget and covers likely repairs, it can pay off in the long run.

      A good car warranty offers both peace of mind and potential cost savings, especially for drivers with older vehicles.

      It’s always a smart move to read your contract, check customer feedback and ask the warranty provider the right questions before you sign up.

      How to choose a car warranty in Michigan

      The best car warranty companies for Michigan drivers offer broad coverage, have strong reputations and make filing claims straightforward. When considering your options, look for:

      • Coverage specifics: Understand exactly what’s protected and what isn’t. Exclusions can be a nasty surprise when you find out you’re not covered for an expensive repair. Also, check if your plan can be transferred or canceled.
      • Company reputation: Stick with providers known for solid customer service. Patterns of complaints in reviews are red flags. Be sure to look at reviews that specifically mention the claims process and customer service, not just reviews that mention an easy sign-up process
      • Ease of claims: Some companies pay claims quickly or let you use your preferred mechanic. Ask about these details before choosing.

      FAQ

      How can I avoid car warranty scams?

      To avoid common warranty scams, never purchase from someone who contacts you unexpectedly. Get your warranty directly from a trusted provider’s official website or phone number. If you receive a suspicious call, do not share any personal details. If you believe you’ve encountered a scam, report it to the Federal Communications Commission to help protect others.

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

      You do not need to purchase an extended warranty when buying a new car in Michigan. Consider extending your coverage around the time your factory warranty is about to expire.

      » COMPARE: Best new car warranties

      Can I cancel my extended car warranty?

      Most companies allow you to cancel your extended car warranty, but there may be a fee. Your refund depends on how long you’ve had the warranty and if you’ve made any claims.

      What laws and regulations govern Michigan service contracts?

      Michigan service contracts are governed by the Michigan Consumer Protection Act, which prohibits deceptive practices and requires clear disclosures of terms. They are not considered insurance under Michigan law, as stated in the Insurance Code of 1956. These laws ensure that service contract providers operate under consumer protection standards rather than insurance regulations.

      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, customer service, price 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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