Best Extended Car Warranties in North Carolina

We compared 78 companies and chose the top extended auto warranty providers

    • Best overall
      Toco Warranty
      4.6(757)
    • High-mileage vehicles
      Endurance Warranty
      4.5(16,938)
    • Easy claims
      Zurich Vehicle Service Contract
      4.3(958)
    +1 more

    Best Extended Car Warranties in North Carolina

    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.

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    Our top picks for extended car warranties in North Carolina

    1. Best overall: Toco Warranty
    2. Best for high-mileage vehicles: Endurance Auto Warranty
    3. Best for easy claims: Zurich Vehicle Service Contract

    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.

    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 choice because it delivers flexible, comprehensive coverage for vehicles up to 25 years old and 250,000 miles. Unlike many competitors, Toco does not make you pay upfront. You also have the freedom to choose any ASE-certified technician for repairs. Toco’s plans are automatically tailored to your car’s mileage, ensuring customers get relevant protection for their vehicle.

    When making our overall top pick, we considered several factors, including critical features (like what vehicles they cover) and how North Carolina 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 AC, 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 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 Auto Warranty is ideal for North Carolina drivers with older or high-mileage vehicles, thanks to unlimited mileage eligibility and generous perks. The company receives positive feedback for its clear sign-up process and support, while also providing extras like roadside assistance, rental benefits and trip interruption coverage.

    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

    Endurance offers three plans on its website:

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

    However, if you use the online quote tool, you may be offered one of nine additional plans.

    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 easy claims

    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 Vehicle Service Contract stands out for its streamlined claims process, which North Carolina customers consistently praise for speed and ease. Zurich’s shift to online direct-to-consumer sales through Caramel in 2023 makes access simpler than before, and its plans reflect a strong balance of coverage and customer satisfaction.

    Pros
    • Quick responses on claims
    • Comprehensive coverage
    • Transferable plans
    • Roadside assistance
    • Motorcycles are eligible
    Cons
    • Low rental reimbursements
    • Some communication issues

    Zurich offers three plan options:

    • Powertrain: Entry-level plan that covers your engine, transmission, transfer case and transaxle
    • Standard: Adds suspension, steering, brakes, air conditioning and electrical systems
    • Comprehensive: Exclusionary plan that covers everything except specifically listed parts

    Extended Car Warranties in North Carolina Buyers Guide

    Jump into our guides and start learning

    Top Picks

    See who reviewers like

    Toco Warranty logo
    Endurance Warranty logo
    Zurich Vehicle Service Contract logo
    See our top picks

    Simplify your search

    Compare plans tailored to your car & budget.

      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.

      Key insights

      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 insight

      The industry is known for misleading offers and unclear contract terms, so always read reviews and compare plan details before signing up.

      Jump to insight

      Extended 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 insight

      How do extended car warranties work?

      When 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.

      Types of car warranties

      You’ll find two major types: stated-component and exclusionary. Both protect against mechanical failures during normal use, but coverage differs.

      • Stated-component warranties only protect the individual parts listed in your contract. For example, a drivetrain warranty might cover the transmission and drive axles, while a powertrain warranty includes the engine as well.
      • Exclusionary warranties protect all parts except those specifically listed as excluded. This type, often called bumper-to-bumper, generally gives the broadest protection.
      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.

      Extended car warranty costs

      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.

      Are extended car warranties worth it?

      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.

      How to choose a car warranty in North Carolina

      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:

      • Coverage details: Make sure you know what is included and what isn’t. Transferability and cancellation terms are important for flexibility if you sell your car or move.
      • Reputation: Select companies with positive customer reviews and a history of reliability. Check for patterns of praise or complaints in recent feedback.
      • Claims process: Find out how fast claims are handled and whether you can use your preferred mechanic. Some providers allow any licensed repair shop, while others restrict you to a network.

      FAQ

      How can I avoid car warranty scams?

      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.

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

      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

      Can I cancel my extended car warranty?

      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.

      What laws and regulations govern North Carolina service contracts?

      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.

      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 the support team.
        • 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.
      • 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 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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