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)



North Carolina’s humid climate, winding mountain roads and hurricane-prone coast put unique stress on vehicles. From rust-prone underbodies in the east to brake wear from elevation changes in the west, the state’s diverse geography increases the chance of mechanical issues. For drivers across North Carolina, an extended warranty can help reduce surprise repair costs caused by the region’s tough driving conditions.
Based on recent reviews from local car owners, coverage options and overall value, Toco Warranty is the best extended car warranty company in North Carolina. Zurich Vehicle Service Contract is a good choice if you want easy claims, and Endurance Auto Warranty stands out for high-mileage vehicles.
Our research team reviewed dozens of extended car warranty companies in North Carolina. 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.
| Company | Customer rating | Our pick for | Levels of coverage | Maximum mileage | Waiting period | Availability | |
|---|---|---|---|---|---|---|---|
![]() Toco Warranty | Learn More | 4.6
757 reviews
757 reviews
| Best overall | 4 | 250,000 | 90 days and 1,000 miles | Most states (not AK, MO or WA) |
![]() Endurance Warranty | Get Pricing | 4.5
16,938 reviews
16,938 reviews
| High-mileage vehicles | 12 | Unlimited | 30 to 60 days and 1,000 miles | Nationwide (not MA) |
![]() Zurich Vehicle Service Contract | Learn More | 4.3
958 reviews
958 reviews
| Easy claims | 3 | 150,000 | 10 to 30 days (varies) | Most states (not FL) |



Jump into our guides and start learning
Choosing the right extended car warranty in North Carolina can protect your budget from costly repairs, but the wrong plan may result in frustration and wasted money. Take time to review pricing, read verified customer feedback and look closely at each plan’s coverage before deciding.
Extended car warranty plans typically cost about $1,000 per year, but actual prices will depend on your vehicle and the specific plan you select.
Jump to insightThe industry is known for misleading offers and unclear contract terms, so always read reviews and compare plan details before signing up.
Jump to insightExtended warranties are worthwhile if you plan to keep your car a long time and choose a plan that covers your most likely repairs.
Jump to insightWhen your manufacturer’s warranty expires, an extended auto warranty (also called a vehicle service contract) can step in to cover many repair costs related to breakdowns or component failures. These plans are designed to reduce the burden of unexpected repair bills, but always check exactly what is included.
You’ll find two major types: stated-component and exclusionary. Both protect against mechanical failures during normal use, but coverage differs.
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.
Bumper-to-bumper extended warranty costs usually fall between $1,400 and $4,000 a year. The price you pay can shift based on your car’s age and mileage, as well as the warranty provider and selected coverage. Some companies require all payments upfront, while others allow monthly payments. If you buy through a dealership, you might pay more due to added interest.
An extended car warranty is worth it if you drive an older or less reliable vehicle and plan to keep it for several more years. In North Carolina, higher mileage and tough weather can lead to more frequent repairs, so a warranty may bring peace of mind and reduce out-of-pocket costs.
Long-term savings are the biggest benefit of a car warranty.
If your warranty helps you avoid major repair bills and is easy to use, it’s likely a smart investment. Always examine the contract, study reviews and ask the warranty provider important questions before you commit.
To choose the best car warranty in North Carolina, decide what coverage you need, compare reputable providers, read reviews, get multiple quotes and carefully review the contract terms. Look for these qualities in a top-rated extended car warranty provider:
To avoid scams, always refuse to give information to unsolicited callers. Only purchase a warranty directly from a well-known provider or their trusted partners. If you encounter scams or unwanted robocalls, report them to the Federal Communications Commission. Their complaint portal is the best way to help reduce scam activity.
You do not need an extended warranty immediately when buying a new car in North Carolina. The state’s Lemon Law and your manufacturer’s warranty already protect you against major defects. Consider extending coverage just before the original warranty expires, when you can better assess your long-term plans for the vehicle.
» COMPARE: Best new car warranties
Most companies let you cancel, but you may have to pay a cancellation fee. Refunds are typically prorated based on usage and time remaining, and may be impacted if you have made any claims under the plan.
Vehicle service contracts in North Carolina are regulated by N.C. General Statute 66-370, 66-372 and 66-373. The law bans misleading contract language, limits when companies can cancel coverage and mandates a pro rata refund policy.
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.
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| Company | Customer rating | About | Learn More |
|---|---|---|---|
![]() | 5.0
37 reviews
| Offers month-to-month vehicle service contracts. Four plan levels with optional tire and wheel protection. Covers vehicles of model year 2000 and newer with mileage up to 200,000. Costs start at $39/month. | Read reviews |
![]() | 5.0
View profile
| Offers three vehicle service contracts ranging from powertrain to exclusionary coverage. Transferable policies with varying deductibles. Limited information about plans and pricing. Coverage not widely available. | Read reviews |
![]() | 5.0
130 reviews
| Accepts luxury, vintage and exotic vehicles. Cancel within 30 days for a full refund. Live customer support offered daily. Can go to any dealership or repair facility. Roadside assistance included. Offers locksmith policy. | Read reviews |
![]() | 4.8
13 reviews
| Four coverage plans. Nationwide availability. Personalized pricing with varying deductibles and contract lengths. Starts at $79 per month. Towing, roadside assistance and car rental coverage benefits. | Read reviews |
![]() | 4.8
59 reviews
| Online marketplace with multiple plans from different third-party providers. Three tiers of coverage. Provides 30-day money-back guarantee. Customer support available 24/7. Cancel your plan anytime. Quotes in less than a minute. | Read reviews |
![]() | 4.8
32 reviews
| Auto protection plans with no hidden fees. Powertrain, standard and premium coverage. Pricing starts at $29.99 a month. 24/7 roadside assistance included. Not available in CA, FL and MA. 30-day and 1,000-mile waiting period. | Read reviews |
![]() | 4.6
14 reviews
| Vehicle mechanical breakdown coverage with no required vehicle inspection and first-day coverage. No deductible for mechanical parts and labor. Includes 24/7 emergency roadside assistance. Two plans. Cancel any time. | Read reviews |
![]() | 4.6
757 reviews
| Offers vehicle service contracts for cars up to 20 years old and up to 250,000 miles in most states. Plans available with no down payment and three-year terms. Waiting period is 90 days and 1,000 miles. | Read reviews |
![]() | 4.5
16,938 reviews
| Direct administrator and obligor for most types of plans. Covers vehicles up to 20 years old for unlimited miles. Waiting period is 30 days and 1,000 miles. Offers 30-day refund guarantee. MBI products available in California. | Get Pricing |
![]() | 4.5
230 reviews
| Offers vehicle service contracts with 30-day money-back guarantee. Includes 24-hour roadside assistance. Choose your own repair shop. 10% back for referrals. Preferred pricing for members of some organizations. | Get a Quote |
![]() | 4.3
958 reviews
| Provides coverage for cars, trucks, motorcycles and powersport vehicles. Perks include 24/7 roadside assistance, rental car coverage and trip interruption reimbursement. | Read reviews |
![]() | 4.2
1,496 reviews
| Offers auto warranties for new and used vehicles. Has three plans available, plus custom options. Network of 50,000+ ASE-certified mechanics. Most plans are transferable. No published pricing or sample contracts. | Get Pricing |
![]() | 4.0
33 reviews
| Offers three auto warranty plans with varying levels of coverage. $100 deductible per service. 24/7 roadside assistance and rental cars included in each plan. Pays mechanic directly for service. | Read reviews |
![]() | 4.0
1,489 reviews
| Offers exclusionary, used stated and powertrain protection for cars with up to 250,000 miles and 15 years old. Waives deductible if you go to a RepairPal-certified shop. Member of the Vehicle Protection Association. | Read reviews |
![]() | 3.9
9,787 reviews
| Markets warranty plans for cars and motorcycles backed by American Auto Shield. Coverage, deductibles and payments vary by vehicle age and mileage. Contracts are transferable and come with a 30-day return policy. | Get a Quote |
![]() | 3.7
9 reviews
| Provides extended auto warranties to drivers in all 50 states. Three plans to choose from. Customizable deductibles. No limits on payouts. Roadside assistance included. Use any ASE-licensed mechanic or dealership nationwide. | Read reviews |
![]() | 3.5
818 reviews
| Offers a tier of four plans, with deductibles ranging from $50 to $100. Plans are only offered through select dealerships across the country instead of sold directly to consumers. | Read reviews |
![]() | 3.4
569 reviews
| Accepts cars up to 10 years old with up to 140,000 miles. Offers three plans with flexible deductibles and fixed monthly pricing. No waiting period or yearly mileage restrictions up to 185,000 miles. Available nationwide. | Read reviews |
![]() | 2.3
View profile
| Warranties are available primarily through car dealers. Offers four levels of coverage, including EV components. Warranties come with a range of benefits and available add-on coverage. | Read reviews |
![]() | 2.2
162 reviews
| Vehicle service plans and contracts. Accepted nationwide. Components, part and labor included in service plans. No inspection for coverage. No mileage or odometer restrictions. Transferrable. 24/7 roadside assistance included. | Read reviews |
![]() | 2.2
6 reviews
| Sells several extended warranty plans. Technology, EV and maintenance plans available. Deductible amounts from $0 to $200. Can visit any licensed mechanic. Must purchase through dealership. No pricing information online. | Read reviews |
![]() | 2.0
8 reviews
| Offers multiple vehicle service protection plans. Coverage for EVs available. Open 24/7 by phone. 30+ years experience. Sells used vehicles. Available in all 50 states. | Read reviews |
![]() | 1.9
9 reviews
| Provides extended warranties for many types of vehicles. Plans range from powertrain to exclusionary coverage. All contracts include maintenance benefits. Only sold through dealerships at the time of vehicle purchase. | Read reviews |
![]() | 1.9
257 reviews
| Offers vehicle service contracts with coverage for road hazards, tires and wheels. Affiliate plans include total loss waiver and lease excess with wear and tear. Accepts high-mileage cars. Available in all states. | Read reviews |
![]() | 1.7
7 reviews
| Plans available for cars up to 20 model years of age. Covers vehicles with up to 225,000 miles. Multiple plans available. Optional coverage to choose from. No waiting period. Same-day processing for most claims. | Read reviews |
![]() | 1.6
29 reviews
| No limits to number of claims. No transfer fees, claims paperwork or waiting for reimbursements. Can use any ASE-certified mechanic. Accepts all makes and models. Must call for quote. | Read reviews |
1.6
132 reviews
| Offers auto warranty coverage. Highlights include interest-free payment plans, roadside assistance and guaranteed part replacement. Over 90% of claims paid in an average of three hours or less. | Read reviews | |
![]() | 1.6
7 reviews
| Offers extended warranty coverage for a variety of vehicles, including exotic cars. Customizable plans with add-on options available. Price quotes only available from partnering dealerships. | Read reviews |
![]() | 1.6
18 reviews
| Wide range of plans for new and used cars, plus EVs. Exclusionary coverage available. Different deductible options, including a disappearing deductible. Towing and rental benefits. Only sold through dealerships. | Read reviews |
![]() | 1.5
128 reviews
| Offers extended warranties for cars, motorcycles, boats, snowmobiles and RVs. Terms and conditions vary by state. Doesn’t sell directly to consumers. Contact an authorized dealership for pricing. | Read reviews |
![]() | 1.5
View profile
| Three levels of extended auto warranty coverage. 30-day review period. All plans come with roadside and car rental assistance. Services can be performed by any licensed repair shop. DriveSmart pays the repair shop directly. | Read reviews |
![]() | 1.5
173 reviews
| Extended service contract through CarMax. Optional for vehicles of any year, make, model or mileage. Only available at the time you purchase a vehicle. Choose from different plans and deductibles. Cancel anytime. | Read reviews |
![]() | 1.4
View profile
| Offers extended auto warranties for new and used vehicles with multiple add-on plans. Also offers coverage for recreational and commercial vehicles. Only sells plans through select dealerships in 10 states. | Read reviews |
![]() | 1.4
367 reviews
| Accepts cars of any year or mileage. Select from 14 service contracts with a range of terms and protections. Gap and ancillary coverage also available. No waiting period. Available nationwide through certified AUL dealerships. | Read reviews |
![]() | 1.3
7 reviews
| Three levels of coverage. Add-on products available for complete protection. Sample contracts readily available. Roadside assistance with all plans. Prices start as low as $19 a month. | Read reviews |
![]() | 1.3
View profile
| Extended warranty company offering comprehensive plans for new, used and leased vehicles. Customers can also add on additional coverage for wear-and-tear parts. Only available for Stellantis family makes. | Read reviews |
![]() | 1.3
13 reviews
| Offers a disappearing deductible option. Service agreements for leased vehicles. Options for recreational and power sports vehicles and tire and wheel add-ons. Theft prevention device and geofencing. | Read reviews |
![]() | 1.3
369 reviews
| Exclusionary coverage on cars with up to 150,000 miles and stated component coverage up to 200,000 miles. All plans are transferable. No waiting period. Available nationwide through dealerships. | Read reviews |
![]() | 1.2
244 reviews
| Provides coverage for cars, motorcycles, powersport vehicles and RVs. Offerings include vehicle service contracts, warranties, asset protection, maintenance plans and theft deterrent products. | Read reviews |
![]() | 1.2
31 reviews
| Offers vehicle service contracts. Three plan options: drivetrain, intermediate and exclusionary. No deductible. Available nationwide. Total loss refund. Transferable to a new owner. Only available through partner institutions. | Read reviews |
![]() | 1.2
4,291 reviews
| Plans available for cars with up to 250,000 miles. Multiple plan options from different providers. Terms up to 10 years. Finance over six, 12, 18 or 24 months. Comes with a 30-day return policy. | Read reviews |
![]() | 1.1
15 reviews
| Transparent pricing. Monthly and annual plans available. Annual plans come with maintenance benefits. 24/7 roadside assistance included on all plans. Operates in every state. 30-day money-back guarantee. | Read reviews |
![]() | 1.1
44 reviews
| Extended auto warranty. Covers cost of breakdowns and repairs. Three plan and coverage tiers. Customizable coverage. Free quotes. $100 deductible. Plan pays the mechanic directly for covered repairs. Money-back guarantee. | Read reviews |
![]() | 1.0
1,737 reviews
| Offers three levels of protection. Covers vehicles up to 20 years old with up to 140,000 miles. Coverage is not available in Alabama, California, Florida, Missouri, Texas and Washington. | Read reviews |
![]() | 1.0
487 reviews
| Does not sell vehicle service contracts directly. Partners with third-party providers to offer eight programs for cars up to 250,000 miles, plus coverage for motorcycles, ATVs and dirt bikes. Available nationwide. | Read reviews |
![]() | 1.0
342 reviews
| Provides extended car warranties without long-term contracts. Customizable deductible options. No mileage limitations in most states. Customer service is available through phone, email and live chat. | Read reviews |
![]() | 1.0
108 reviews
| Partners with Nationwide to offer coverage for cars and RVs. Products and program options include gap, private label and theft protection. | Read reviews |
![]() | 1.0
69 reviews
| Provides powertrain and bumper-to-bumper limited warranties, tire and wheel protection, GAP coverage and more. New vehicles are automatically enrolled in the manufacturers' protection program. Additional coverages available. | Read reviews |
![]() | 1.0
68 reviews
| Offers four tiers of extended warranty coverage. Powertrain Plus is available for up to five years and 100,000 miles. Coverage begins 30 days or 1,000 miles after the purchase date. Available in more than 30 states. | Read reviews |
![]() | 1.0
58 reviews
| Serves dealerships and car-buying customers. Partners with more than 15,000 dealers across the country to offer vehicle service contracts. Contact a company representative or your dealership for more information. | Read reviews |
![]() | 1.0
43 reviews
| Offers three customizable warranty plans. Available in 50 states. Includes roadside assistance. Gap and ancillary coverage can be purchased separately. Claims can be submitted via app and are typically paid the same day. | Read reviews |
1.0
38 reviews
| Select from three tiers of coverage. Some vehicles qualify for up to 120,000 miles of additional protection. Coverage for rental car, fluids and towing included. More than 6,000 authorized service centers. | Read reviews | |
![]() | 1.0
30 reviews
| Offers home and auto protection plans, including coverage for commercial vehicles, in most states. Accepts most vehicles up to 20 model years and up to 500,000 miles. Features flexible payment plans and a 30-day refund period. | Read reviews |
![]() | 1.0
8 reviews
| $0 deductibles at preferred repair facilities. $200 deductibles at other shops. Roadside assistance for all plans. Cancel your plan at any time. Three levels of coverage available. | Read reviews |
![]() | 1.0
8 reviews
| Wide range of extended warranties for new and used vehicles. Customizable plans with optional coverages. Benefits include towing and rental reimbursement. Only sold through dealerships. Some coverage exceptions. | Read reviews |
![]() | 1.0
View profile
| Sells auto warranties. Three warranty options to choose from. $100 deductible required for service. Free cancellation in 30 days. Plans start at $99 per month. 24/7 roadside assistance comes with all plans. | Read reviews |
![]() | 1.0
View profile
| Offers five vehicle protection plans with multiple deductible options available. Covers most vehicle repairs at any licensed repair facility. Provides roadside assistance and rental car and travel expense reimbursements. | Read reviews |
![]() | 1.0
View profile
| Offers plans backed by Black Diamond Administrative Company. All plans include roadside assistance. Seven plans available for new and used vehicles. Accepts cars with up to 500,000 miles. | Read reviews |
![]() | 1.0
View profile
| Offers four warranty plans with contracts up to 96 months. Can only purchase through a dealership. $0 deductible on all covered services. 24/7 roadside assistance included in all warranty plans. | Read reviews |
![]() | 1.0
View profile
| Offers extended auto warranties. Works with licensed mechanics in the U.S. and Canada. Has plans for most cars up to 14 model-years old. 24-hour roadside assistance and trip interruption included. Must contact for a quote. | Read reviews |
![]() | 1.0
View profile
| Offers vehicle, debt and ancillary protection programs. Five customizable auto protection plans available. Waives GAP amounts up to $50,000. Fully transferable coverage. Money-back guarantee within 60 days of purchase. | Read reviews |
![]() | 1.0
View profile
| Extended warranty company offering plans for vehicles, boats, RVs and ATVs. Plans range from $700-$5,000 per year depending on make, model and other factors. Deductible options range from $0-$1,000. No waiting periods for plans. | Read reviews |
![]() | No reviews | Partners with United Car Care, Matrix Warranty Solutions, Royal Administration Service, DOWC and National Warranty Administration to offer coverage nationwide. Provides a "best price guarantee” and a money-back guarantee. | |
![]() | No reviews | Offers basic, enhanced, exclusionary and stated coverage maintenance plans. New customers are entitled to a full refund within the first 30 days. | |
![]() | No reviews | Select from 12-month, 12,000-mile, or 24-month, 24,000-mile terms. Requires at least 10% of the total cost to initiate a payment plan. Includes roadside assistance and rental coverage for covered claims. Cancel anytime. | |
![]() | No reviews | Specializes in providing credit union members warranty products, including vehicle service agreements and mechanical breakdown insurance. Features include emergency roadside assistance and rental coverage. | |
![]() | No reviews | Select from warranty options with custom coverage, no network limits and no limits on repairs and roadside assistance. Provides free rapid-response quotes to estimate pricing. Available nationwide. | |
![]() | No reviews | Offers a range of benefits and reimbursement options for vehicle repairs. Provides up to 25% off car rentals. Covers every car in your household for $19.95 per month regardless of mileage or age (as of publishing). | |
![]() | No reviews | Offers several plans for powertrain and exclusionary coverage. Plans include roadside assistance, rental reimbursement and maintenance benefits. No rate increase after filing a claim. Down payment required. | |
![]() | No reviews | Offers six coverage plans, including three extended auto warranties with optional add-ons and $0 deductibles. Claims are handled by in-house representatives. Only sells through dealerships. | |
![]() | No reviews | Vehicle service contracts for a wide range of vehicles, including luxury cars and EVs. High mileage limits for older cars. Exclusionary coverage available. Plans include towing and rental assistance. Only sold through dealerships. | |
![]() | No reviews | Offers exclusionary, comprehensive, enhanced powertrain and powertrain protection. Choose your own ASE-certified repair shop. Includes towing and roadside assistance. $100 deductible for covered claims. No-fee payment plans. | |
![]() | No reviews | Extended auto warranty provider. Three available plans. Range of coverage options with each plan. Only available through dealerships. Partners with over 5,000 dealers to offer warranties nationwide. Can use any repair shop. | |
![]() | No reviews | Offers vehicle service contracts through two established providers. Exclusionary coverage available. Some plans come with roadside assistance and rental car benefits. Payment plans available. | |
![]() | 1.2
1,225 reviews
| Direct provider of three tiers of coverage. Offers 0% interest payment programs and a 30-day refund policy. Available in all 50 states. | Read reviews |
![]() | 1.0
4,132 reviews
| Offers plans for newer and older vehicles up to 20 years old and with up to 299,999 miles. All services provided in-house by Protect My Car employees. Special offers for military personnel. Not available in California. | Read reviews |
![]() | 1.0
155 reviews
| Offers three coverage options for used cars. Guarantees 100% payment of all covered repairs, less the deductible. Waiting period is 30 days and 1,000 miles. | Read reviews |
![]() | 1.0
131 reviews
| Offers three coverage plans with customization options. Covers parts, services and roadside assistance. 14+ years of experience. Available across the U.S. 30-day money-back guarantee. | Read reviews |


