Best Extended Car Warranties in Pennsylvania

We compared 79 companies and chose the top extended auto warranty providers

    • Best overall
      Zurich Vehicle Service Contract
      4.3(958)
    • Best for value
      Premier Auto Protect
      4.5(230)
    • High-mileage vehicles
      Endurance Warranty
      4.5(16,953)
    +1 more

    Best Extended Car Warranties in Pennsylvania

    Pennsylvania’s mix of dense urban traffic, rural highways and harsh winters creates demanding conditions for vehicles across the state. Potholes, road salt and freezing temperatures can accelerate wear on suspensions, electronics and drivetrains, especially in cities like Philadelphia and Pittsburgh. For many drivers, an extended car warranty offers protection against these region-specific risks and helps manage repair costs over time.

    Based on recent reviews from local car owners, coverage options and overall value, Zurich Vehicle Service Contract is the best extended car warranty company in Pennsylvania. Premier Auto Protect is a good value option, and Endurance Auto Warranty stands out for covering older, high-mileage vehicles.

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    Our top picks for extended car warranties in Pennsylvania

    1. Best overall: Zurich Vehicle Service Contract
    2. Best value: Premier Auto Protect
    3. Best for high-mileage vehicles: Endurance Auto Warranty

    Our research team reviewed dozens of extended car warranty companies in Pennsylvania. 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
    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 in Pennsylvania due to its consistently positive feedback on claim handling, coverage and pricing. Zurich is primarily available through dealerships, but thanks to a partnership with Caramel, its warranty plans are now also accessible online, putting more control in the hands of Pennsylvania drivers.

    When choosing our top overall pick, we weighed key elements like the types of vehicles covered and real feedback from Pennsylvania customers about plan details, costs and the overall claims experience.
    Pros
    • Quick responses to claims
    • Transferable plans
    • Roadside assistance
    • Motorcycles are eligible
    Cons
    • Low rental reimbursements
    • Some communication issues

    Zurich offers three plan options:

    • Powertrain: Entry-level plans cover the usual suspects, including your engine, transmission, transfer case and transaxle.
    • Standard: Midtier plans cover everything above plus your suspension, steering, brakes, air conditioning and electrical systems.
    • Comprehensive: Exclusionary plans cover everything except specifically listed parts.
    Best for value

    Premier Auto Protect

    Premier Auto Protect
    Levels of coverage
    4
    Maximum mileage
    200,000 miles
    Waiting period
    30 days
    Availability
    45 states

    Premier Auto Protect is a top choice for Pennsylvanians looking for affordability without sacrificing peace of mind. According to the quotes we received for an anonymous shopper, Premier is priced lower than most competitors, with exceptions for some luxury vehicles. Every plan comes with 24/7 roadside assistance and rental reimbursement, and your contract can be transferred if you sell your vehicle.

    Pros
    • 24/7 support
    • Direct payment to repair shop
    • Rental car coverage
    Cons
    • No online quotes

    Premier Auto Protect offers four main levels of coverage:

    • Premier Basic covers your vehicle’s engine, transmission, drive axle(s), all-wheel-drive/four-wheel-drive systems, cooling system and brakes.
    • Premier Value combines everything in the basic plan with added protection for steering (manual/power), turbo/supercharger, air conditioning, fuel system, seals and gaskets, and electrical components.
    • Premier Complete builds on the Value plan by including coverage for anti-lock brakes (ABS), heating, high-tech electronics, front/rear suspension and hybrid vehicles.
    • Exclusionary adds coverage for your key fob. While specific details of this plan are unavailable online, it’s Premier Auto Protect’s most comprehensive plan.

    We got the following quotes from a secret-shopper phone call with Premier. Note that some plans from Premier Auto Protect may be cheaper, even for more comprehensive coverage, depending on your vehicle’s age and mileage. Be sure to speak with a representative and be aware of all your options.

    VehiclePlanAnnual cost
    2016 Toyota Camry (110,000 miles)Premier Basic$924
    2015 BMW 3 Series (125,000 miles)Premier Enhanced$1,733
    2014 Honda CR-V (135,000 miles)Premier Basic$985
    2013 Ford F-150 (150,000 miles)Premier Basic$996
    1x Award Winner
    Selected for having one of the highest satisfaction rates for Best Customer Service
    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 specifically suited for Pennsylvanians with older cars or high-mileage vehicles. The company does not set a mileage limit for eligibility, which is ideal if you drive long distances or rely on an aging car. Endurance also offers extras like roadside help, rental coverage and trip interruption protection. Many customers also praise knowledgeable 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 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

    Endurance offers 12 plans in total. After going through the online quote process, you may see coverage options beyond what we show here.

    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 Pennsylvania Buyers Guide

    Jump into our guides and start learning

    Top Picks

    See who reviewers like

    Zurich Vehicle Service Contract logo
    Premier Auto Protect logo
    Endurance Warranty logo
    See our top picks

    Simplify your search

    Compare plans tailored to your car & budget.

      When it comes to choosing an extended car warranty, finding the right fit can keep you from facing costly or unexpected repair bills. A bad choice can result in frustration and wasted money. If you are still deciding, take the time to compare pricing, look out for potential scams and check out real customer reviews that relate to the claims process of different providers.

      Key insights

      The typical extended car warranty in Pennsylvania costs about $1,000 per year, but your final price will depend on your car, the type of plan and the company you select.

      Jump to insight

      The industry is known for confusing contracts and misleading sales tactics, so always check reviews and compare your options closely.

      Jump to insight

      If you plan to sell your car soon or if the contract is filled with exclusions, an extended warranty may not pay off.

      Jump to insight

      How do extended car warranties work?

      Extended auto warranties, sometimes called vehicle service contracts, are agreements that help pay for repairs after your manufacturer's warranty runs out. These plans typically cover mechanical breakdowns but limit repairs to certain parts or situations.

      Types of car warranties

      You’ll find two main styles of extended warranties. Both only cover parts that fail from normal use; they don’t cover issues related to accidents, neglect or misuse.

      • Stated-component warranties list each part covered in the contract. For instance, a drivetrain warranty includes parts like your transmission and differential, while a powertrain warranty covers those plus the engine.
      • Exclusionary warranties protect everything except what’s specifically excluded in the contract. Bumper-to-bumper coverage is a common exclusionary plan, covering nearly all components unless they’re listed as exceptions.

      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

      For Pennsylvanians, a bumper-to-bumper extended warranty can cost from $1,400 to $4,000 per year, depending on your vehicle and provider. Some companies require one upfront payment, while others offer monthly installments. If you purchase a plan through a dealership, be aware that additional interest charges may apply.

      Are extended car warranties worth it?

      If your vehicle is older, unreliable or you expect to keep it long after the original warranty expires, an extended car warranty can be a smart investment. In Pennsylvania, where long commutes and unpredictable weather can put extra stress on your car, these plans may cost a bit more but can save you from unexpected repair bills.

      The main benefits of an extended warranty are reduced stress and better control over repair expenses.

      A plan is worth it if it saves you money and streamlines repairs when issues arise. For Pennsylvanians, reading your contract, checking company reviews and asking questions is essential before buying coverage.

      How to choose a car warranty in Pennsylvania

      To choose a car warranty in Pennsylvania, compare coverage, review the company’s history and reputation and ask questions about exclusions and claims processing. The top car warranty providers offer several key features: comprehensive coverage, a strong reputation and a simple, efficient claims process.

      • Coverage clarity: Know exactly what is included, as well as policies on transferring or canceling your contract.
      • Company history: Research providers with a track record of satisfied customers and few recurring complaints.
      • Claims efficiency: Ask how quickly claims are processed and whether you can repair your car at the shop of your choice.

      FAQ

      How can I avoid car warranty scams?

      To steer clear of scams, never buy from unsolicited callers or strangers. Work directly with reputable warranty providers to minimize fees and avoid hidden costs. If you suspect a scam, report it to the FCC to help reduce unwanted calls.

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

      It’s not necessary to buy an extended warranty for a brand-new car in Pennsylvania. The state’s Lemon Law already protects you if manufacturing defects arise during the original warranty. Consider extending your warranty as your original coverage nears expiration.

      » COMPARE: Best new car warranties

      Can I cancel my extended car warranty?

      Most providers allow cancellations, but there may be a fee. Your refund amount depends on the time left on your contract and whether you’ve used the coverage.

      What laws and regulations govern Pennsylvania service contracts?

      Vehicle service contracts in Pennsylvania are regulated under Title 12 of the Pennsylvania Consolidated Statutes. Pennsylvania law requires that extended warranty contracts disclose information about deductibles, exclusions and whether non-original parts may be used in repairs.

      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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