Nissan Rogue extended warranty: cost, coverage and plans

Nissan Rogue extended warranty coverage

An extended auto warranty is an optional, paid extension of the factory warranty your Rogue comes with. For context, Nissan Rogues come with the following warranties from the factory:

• A three-year/36,000-mile bumper-to-bumper warranty
• A three-year/36,000-mile powertrain warranty

Factory warranties follow the vehicle, not the owner. So if you buy a 2-year-old SUV with 20,000 miles on it, you still have one year or 16,000 miles worth of factory bumper-to-bumper warranty remaining.

For an extended warranty on your Nissan Rogue, you have two options:

1. Buy the official Nissan extended warranty, called Nissan Security+Plus.
2. Buy a plan from a third-party extended warranty company, which allows you to take your vehicle to any ASE-certified mechanic for repairs.

Without significant savings, having to deal with a massive repair bill can be disastrous. A ConsumerAffairs investigation found that most drivers surveyed couldn't afford to pay cash for a $1,000 repair bill, and 13% of respondents had no way to deal with a bill that large — even with credit.

In either case, you’ll generally get the most value by purchasing whichever plan offers comprehensive, exclusionary protection (often called bumper-to-bumper or Platinum). These plans cover 90% or more of the parts on your vehicle. Less comprehensive Gold, Silver and powertrain plans may be cheaper, but they tend to cover fewer parts per dollar.

Note that auto warranties only pay for repairs and replacements of parts that are specifically covered and fail from normal wear and tear. They don't cover damage from accidents or aftermarket modifications. In general, repairs also aren’t covered under warranty if you don’t properly maintain the vehicle.

In general, here are the differences between what a bumper-to-bumper warranty and a powertrain warranty cover:

Note that some extended auto warranty plans fall somewhere between bumper-to-bumper and powertrain coverage.

» LEARN: What to know about manufacturers’ extended warranties

How much does a Nissan Rogue extended warranty cost?

We were quoted $1,531.75 a year from olive for three years of bumper-to-bumper coverage for a 2021 Nissan Rogue registered in Austin, Texas, with 40,000 miles. From Endurance, the quote for similar coverage was $1,039.80 annually for 30 months of coverage for the same vehicle with the same mileage. Both quotes assumed a $100 deductible. Note that both of these are third-party extended auto warranty companies.

The “official” Nissan extended warranty is called Nissan Security+Plus, and it may cost less than a third-party option. Be sure to get a quote from your local Nissan dealer to compare your options.

In general, quotes for extended auto warranties vary based on coverage, vehicle, deductible, location and other factors. A 2022 Rogue with zero miles typically has cheaper extended warranty options than a 2020 model with 50,000 miles, for example.

Prices for an extended auto warranty can vary a lot. Get quotes from multiple providers to be sure you're getting a good deal.

For context, the average cost of an extended warranty is around $1,000 per year of coverage. The quotes we collected for our hypothetical 2021 Nissan Rogue were more expensive by comparison.

A nonexclusionary plan may be around 40% cheaper than a bumper-to-bumper plan, but it also covers significantly fewer parts. If you want to feel more secure that you're covered for any given repair, it's worth going for the more expensive comprehensive plan.

Keep in mind that some extended auto warranties start from the original owner's purchase date of the vehicle. So if the factory warranty lasts for four years and 50,000 miles, a six-year/100,000-mile plan may only provide two additional years or 50,000 additional miles of coverage.

» LEARN: How to choose an extended car warranty

Is a Nissan Rogue extended warranty worth it?

Yes, a Nissan Rogue extended warranty is worth it. In general, an extended auto warranty is worth it if any of the following are true:

1. Your vehicle has a bad reputation for reliability.
2. The warranty costs less than you expect to spend on repairs.
3. A big repair bill could hurt you financially.
4. You don’t mind paying for peace of mind.

Nissan as a brand has average reliability, with J.D. Power ranking Nissan 15th out of 29 car brands for overall dependability. As for the Rogue specifically, RepairPal gave it a 4.0 out of 5.

Many ConsumerAffairs reviewers reported issues with their Nissan Rogues.

“My 2016 Nissan Rogue transmission is broken,” reported Ashley in California. “I had my car towed to a AAA center to have it evaluated. I learned from AAA that there was a warranty on my transmission but I missed it by 3 months.”

Jeff in Ohio also had a powertrain issue: “Purchased a 2014 Nissan Rogue with 95,000 miles on it back in the summer of 2021. It currently has 102,00 miles. ... All was running well until the temperatures starting climbing into the 90’s consistently. While traveling on the turnpike at 75 mph, the engine suddenly shut down and I began coasting until I stopped. … I did need a new part for the transmission.”

Nissan Rogue models from 2009–2013 experienced high failure rates with their continuously variable transmissions (CVTs), leading to a lawsuit and making extended warranties valuable for these years. From 2014 onward, however, Nissan improved the CVT, and later Rogue models, like the 2015 and 2017, have proven more reliable.

Other common issues include oil leaks, power steering pump problems and various cosmetic issues.

These stories from real customers mentioning issues with Nissan Rogue maintenance suggest that an extended warranty is a good idea. The likelihood of needing repairs and the prices we found for Nissan Rogue extended warranties means you’re likely to come out ahead by purchasing a protection plan.

» LEARN: Pros and cons of extended auto warranties