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)



We compared 74 companies and chose the top extended auto warranty providers. Based on recent reviews from Texas car owners, Toco Warranty offers the best coverage options and overall value. American Dream Auto Protect is a good choice if you want to cover a specific part or system, and Endurance stands out for not having a mileage cap on eligibility.
Our research team reviewed dozens of extended car warranty companies in Texas. 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 | Maximum mileage | Waiting period | Levels of coverage | |
|---|---|---|---|---|---|---|
![]() Toco Warranty | Learn More | 4.5
763 reviews
763 reviews
| Best overall | 250,000 | 90 days and 1,000 miles | 4 |
![]() Endurance Warranty | Get Pricing | 4.6
17,489 reviews
17,489 reviews
| High-mileage vehicles | Unlimited | 30 to 60 days and 1,000 miles | 12 |
![]() American Dream Auto Protect | Get Pricing | 4.0
1,709 reviews
1,709 reviews
| Focused coverage | 200,000 | 30 days | 3 |



Jump into our guides and start learning
The right extended car warranty plan can save lots of money on expensive repairs. The wrong one will only cause headaches down the road. If you’re still not sure which provider to choose, it helps to consider costs, potential scams and whether or not it’s worth it in the first place.
Extended car warranty plans typically cost at least $600 to $1,000 per year, though prices vary based on your vehicle, plan type and coverage provider.
Jump to insightMisleading sales practices and confusing contracts are common in the industry, so make sure you read reviews and closely compare coverage plans before making a decision.
Jump to insightAn extended warranty likely isn’t worth it if the plan has too many exclusions or limitations, or you don’t plan to keep the car long-term.
Jump to insightExtended auto warranties, also known as vehicle service contracts, pay for certain car repairs after the manufacturer’s warranty ends. They help cover unexpected repair costs but usually have limits on what's included.
You can get extended warranties from car manufacturers and third-party providers.
Car warranty vs. car insurance
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.
Stated-component and exclusionary are the two main categories. With either, the car warranty covers certain mechanical breakdowns during normal use.
A comprehensive bumper-to-bumper extended warranty costs between $1,400 and $4,000 total, depending on the term and vehicle. On the high end, Felipe in Devine said his policy cost around $7,000 in total. Costs in Texas may be higher for some drivers due to high mileage and extreme heat.
Some plans require a lump-sum payment. Others let you pay it off over several months. Buying a warranty through a car dealership usually means you have to pay interest on the plan, which ends up being less of a good deal.
In many cases, an extended car warranty is worth it if your car is unreliable or older and you plan to keep it for several more years after the manufacturer’s warranty has expired.
Peace of mind and long-term savings are the biggest benefits of a car warranty.
Financially, if the plan saves you money and it’s easy to make a claim, then it’s worth it.
For instance, Tommy in Dallas has already used his warranty twice. “I think the price of the warranty plan was great and easily worth it because it covered both my repairs,” he told us.
Still, for some car owners, it’s worth it for the peace of mind. Another policyholder, Robert in Houston, said, “I was pleased with my experience because that was a $775 repair of which I only paid $100 on. And I paid $2,800 for the policy. So, I'm going to keep a running total to see whether it was worth it or not.”
On the other hand, you might not need to make a claim at all. In the worst-case scenario, you pay for a plan only to have your claim denied. For instance, Dwayne in North Richland Hills had a bad experience with a sales rep who overpromised and underdelivered. His advice to others: “Don't be fooled by the sales team.”
That’s why it’s so important to understand your contract, read reviews and ask the right questions before making a final decision.
The best car warranty companies have a few things in common: comprehensive coverage, good reputations and easy claims processes. Here’s what to look for when choosing a car warranty in Texas.
I think the price of the warranty plan was great and easily worth it because it covered both my repairs.”
Vehicle service contract prices usually aren’t listed online, so the only way to know if you’re getting a fair deal is to compare multiple quotes.
Prices vary a lot between companies. We’ve seen Platinum-level plans for the same car differ by as much as $1,500 depending on the provider. That’s why shopping around is so important.
When comparing quotes, don’t focus on price alone. Make sure each plan includes the same details, such as:
A cheaper quote might not actually save you money if it covers fewer parts or leaves you paying more out of pocket when repairs happen.
No, you shouldn’t get an extended warranty when you buy a new car in Texas. The Texas Lemon Law protects buyers of new vehicles with serious defects under the manufacturer’s original warranty. Around the time the original warranty is about to expire is usually the best time to extend it.
» COMPARE: Best new car warranties
A depreciation benefit optional member program (DBOMP) provides a credit toward the purchase of a replacement vehicle at a participating dealer based on the depreciation of your current vehicle, according to the Texas Department of Licensing & Regulation.
This differs from an extended car warranty, which covers the cost of repairs or replacements for specific mechanical or electrical components of your vehicle after the original manufacturer's warranty expires.
Think of an extended car warranty as insurance for repairs on your current car. The "depreciation benefit program" is more like a loyalty program with a financial reward tied to the depreciation of your current car when you buy your next one from a specific dealer network. You might get both when you buy a car, but they serve different purposes and provide different types of benefits.
The Service Contract Regulatory Act, Texas Occupations Code, Chapter 1304, and the TDLR rules under 16 Texas Administrative Code, Chapter 77, govern Texas service contracts.
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.
ConsumerAffairs writers primarily rely on government data, industry experts and original research from reputable publications to inform their work. Specific sources for this guide include:
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| Company | Customer rating | About | Learn More |
|---|---|---|---|
Toco Warranty
| 4.5
763 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 |
Endurance Warranty
| 4.6
17,489 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 |
American Dream Auto Protect
| 4.0
1,709 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 |
1800Warranty.com
| 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 |
Autoplex
| 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 |
Nova Warranty
| 5.0
132 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 |
Fair Warranty
| 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 |
NobleQuote
| 4.7
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 |
Chaiz
| 4.6
68 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 |
Onust
| 4.5
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 |
Zurich Vehicle Service Contract
| 4.4
978 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 |
Premier Auto Protect
| 4.4
241 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. | Read reviews |
olive
| 4.1
570 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 |
Omega Auto Care
| 4.1
1,507 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 |
CarShield
| 4.1
9,950 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 |
SOS Auto Protect
| 3.9
11 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 |
CoverageX
| 3.9
35 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 |
Assurant Vehicle Service Contracts
| 3.5
833 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 |
Empire Auto Protect
| 2.1
171 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 |
American Auto Shield
| 2.0
489 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 |
Ally Extended Warranty
| 2.0
8 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 |
EasyCare Warranty
| 2.0
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 |
Select Auto Protect
| 2.0
34 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 |
Gold Standard Automotive Warranty
| 1.9
10 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 |
My Dealer's Choice
| 1.8
10 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 |
MaxCare Auto Warranty
| 1.8
183 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 |
NVP Warranty
| 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 |
Fidelity Warranty Services
| 1.7
262 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 |
CARCHEX
| 1.5
4,294 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 |
CNA National Warranty Corporation
| 1.5
19 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 |
CornerStone United
| 1.4
9 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 |
Portfolio Protection Vehicles & Services
| 1.4
258 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 |
Mopar Vehicle Protection
| 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 |
National Auto Care Warranty
| 1.3
16 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 |
DriveSmart Warranty
| 1.3
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 |
AUL Corp
| 1.2
371 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 |
1.2
136 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 | |
GWC Warranty
| 1.2
376 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 |
Route 66 Extended Warranty
| 1.2
39 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 |
Allstate Extended Warranty
| 1.1
11 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 |
Everything Breaks Auto Warranties
| 1.1
16 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 |
Ox Car Care
| 1.1
59 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 |
Preferred Warranties Inc.
| 1.1
129 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 |
ForeverCar
| 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 |
Phoenix Extended Care
| 1.0
110 reviews
| Partners with Nationwide to offer coverage for cars and RVs. Products and program options include gap, private label and theft protection. | Read reviews |
GM Warranty
| 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 |
Diamond Warranty Corp
| 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 |
Penn Warranty Corporation
| 1.0
59 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 |
Smart AutoCare Warranty
| 1.0
47 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 | |
Protection Direct
| 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 |
CarvanaCare Extended Warranty
| 1.0
9 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 |
Warranty Solutions
| 1.0
9 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 |
AutoNation Extended Warranty
| 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 |
Fenix Protect
| 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 |
Safeguard My Car
| 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 |
ASC Warranty
| 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 |
autopom!
| 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 |
MasterTech Warranty
| 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 |
Warranty Direct Protect
| 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 |
AA Auto Protection
| 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. | |
America Auto Care
| No reviews | Offers basic, enhanced, exclusionary and stated coverage maintenance plans. New customers are entitled to a full refund within the first 30 days. | |
Trustmark Warranty
| 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. | |
InterContinental Warranty Company
| 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. | |
Complete Car Warranty
| 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. | |
Carefree Auto
| 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). | |
Cornerstone Auto Protection
| 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. | |
Elite Warranty
| 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. | |
Integrity Warranty
| 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. | |
National Vehicle Protection Services
| 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. | |
Old Republic Insured Automotive Services
| 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. | |
Concord Auto Protect
| 1.1
1,227 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 |
Protect My Car
| 1.0
4,134 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 |
American First Auto Protect
| 1.0
132 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 |


