Integrity Warranty Reviews

Integrity Warranty might be a good fit for you if you want a vehicle service contract for your luxury car, EV or higher-mileage vehicle. The company is backed by a stable casualty insurance provider and its breadth of vehicle eligibility, especially for older vehicles, stands out.

That said, you'll likely need to do more legwork than you would with a provider that posts sample contracts, pricing ranges and plan details publicly. The company only sells through dealerships, so it can be challenging to get a service contract if there’s no dealer in your area.

Established in 2017 and headquartered in Ooltewah, Tennessee, Integrity Warranty operates as a wholesale administrator of vehicle service contracts for pre-owned cars. Instead of direct retail sales, it sells its plans exclusively to dealerships in its partner network.

GAP insurance helps cover the difference if your car is stolen or totaled and you still owe more on your auto loan than your car’s depreciated value.

Integrity Warranty offers stated component and comprehensive exclusionary coverage. Each plan option is backed by Plateau Casualty Insurance Company, which holds an A.M. Best financial rating of "A- (Excellent)."

In addition to vehicle service contracts, Integrity Warranty sells guaranteed asset protection (GAP) insurance. The company is a member of the National Independent Automobile Dealers Association.

» LEARN: What is a vehicle service contract?

Integrity Warranty is licensed in most states, except Florida and Washington. Its plans cover vehicles up to 20 years old with up to 200,000 miles on the odometer. It also offers coverage for EVs and luxury vehicles.

Because the company sells only through dealerships, availability depends on whether a participating dealer in your area offers its contracts. That makes checking with your dealership to learn about access an important part of the buying process.

Integrity Warranty offers five vehicle service contracts, ranging from a basic powertrain plan to full exclusionary coverage. Its top-tier plan, Total Exclusionary, covers advanced electronics and technology and includes an entertainment package. It mirrors a factory bumper-to-bumper warranty.

It also offers an EV policy that’s similar to the Total Exclusionary plan with additional coverage for hybrid and EV components. Both the EV and Total Exclusionary plans offer optional riders for commercial use or aftermarket modifications, like tires and lift kits.

This table compares Integrity Warranty’s five coverage levels at a glance.

» LEARN: What does a car warranty cover?

Program eligibility

The maximum vehicle age and mileage limits at the time you purchase the contract determine which specific protection tiers your car is eligible for:

• Basic and Bronze tiers: Built for long-term endurance; accept cars up to 20 years old with a maximum of 200,000 miles.
• Silver tier: Tailored for mid-aged vehicles, covering those up to 15 years old with up to 150,000 miles.
• Gold Exclusionary tier: Geared toward modern setups; caps out at 10 years old or up to 125,000 miles.
• Total Exclusionary tier: Only for newer, low-mileage pre-owned cars up to six years old with under 60,000 miles.

Coverage limits

Most extended warranty companies limit payouts based on the vehicle’s appraised value through the National Automobile Dealers Association. Integrity Warranty doesn’t provide sample contracts on its website, so check with a dealership for more information and review the contract carefully before enrolling.

You can only purchase an Integrity Warranty vehicle service contract through an authorized dealer. It doesn’t sell its contracts directly to the public, making it difficult to get specific information about your potential costs.

The cost of an Integrity Warranty contract may vary based on factors like your vehicle’s make and model, age, mileage, coverage level, deductible, payment plan and contract length. To find an authorized dealer in your area, you can contact Integrity Warranty at 877-483-6659.

» MORE: How much does an extended car warranty cost?

Integrity Warranty offers several additional benefits with all its service contracts. These include free roadside assistance (towing, battery service, flat tire assistance, fluid delivery and lock-out assistance) and rental car coverage. The company doesn’t provide specific information about these benefits or their limits on its website, so check with a dealer to learn more.

When you buy an Integrity Warranty vehicle service contract, make sure to ask questions about how claims work and review the policy in detail with the dealer to understand its terms. The company provides limited information about its specific policies online.

If you have a contract through Integrity Warranty and sell the vehicle privately, you can transfer the policy to the new owner. You can also cancel your contract by contacting the dealership where you purchased it. The dealership will need to contact Integrity Warranty to process the cancellation by providing an odometer statement and a reason for cancellation.