Toco Warranty

Toco Warranty

 5.0/5 (42 reviews)
Toco Warranty

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About Toco Warranty

Toco Warranty can help cover the cost of unexpected and frustrating car repairs. The company offers one contract with four levels of coverage — your level of coverage is determined by the miles on your vehicle’s odometer at the time the claim is submitted. The company lets you make monthly payments rather than pay upfront or put down a down payment. Toco Warranty also provides roadside assistance, car rental assistance and full concierge service.

Pros & Cons


  • All plans administered in-house
  • Accepts vehicles with up to 200,000 miles
  • Coverage lasts until 250,000 miles
  • No-change pricing for contract life


  • Must supply contact info for pricing
  • Plan level determined by vehicle mileage

Bottom Line

Toco Warranty is an online vehicle service contract provider that offers one plan with four levels of service that vary by the miles on your car’s odometer. The company offers coverage for newer and older cars, and you can use any licensed repair shop you choose.

Top Toco Warranty Reviews


I've had Toco Warranty for about four years now. Their customer service is amazing. They are all kind, quick to respond and very knowledgeable. … The peace of mind afforded to me ...

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I called to inquire about my TOCO warranty coverage. Representative Marco A. assisted me and made sure I received assistance with getting my car repaired. He was kind, friendly an...

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What is Toco Warranty?

Toco Warranty is a vehicle service contract provider that offers comprehensive coverage for your vehicle to protect your finances if you have a breakdown. To sign up for Toco Warranty’s services, visit its website and fill out the online interest form, and Toco will provide you with a personalized quote.

With Toco, there are no long-term contracts or commitments. There’s no fee to cancel your contract, although the contract states the company does have that option. You can use any ASE-licensed mechanic with Toco.

Any plan purchased through Toco Warranty has a mandatory waiting period of 90 days from the date of purchase and 1,000 miles before coverage takes effect. Unlike many of its competitors, however, Toco matches your monthly payment to assist with any issues that arise during the waiting period instead of denying your claim.

Repairs are capped at the value of the vehicle when you make a claim, and there’s a lifetime repair cap of $15,000.

Toco Warranty coverage

Before signing up for Toco Warranty coverage, it’s important to understand what repairs Toco Warranty does and does not cover at each level. You can speak with a Toco representative to find out the specific details of what’s covered.

Toco Warranty offers one plan with four levels of coverage:

  • The Orange level provides exclusionary coverage, which means your contract will list components that aren’t covered instead of those that are. This level is for vehicles with less than 100,000 miles on the odometer at the time of a claim.
  • The Yellow level provides listed parts coverage for vehicles with less than 150,000 miles on the odometer at the time of a claim. It covers many of your vehicle’s components, including the engine, transmission, drive axle, turbo/supercharger, electrical components, fuel system and more.
  • The Blue level, which is available for cars with less than 200,000 miles on the odometer at the time of a claim, provides coverage for your powertrain and some basic systems that often need repairs. These systems include air conditioning, the fuel system and many electrical components.
  • The Green level is Toco Warranty’s most basic level, but you can enroll any car with less than 200,000 miles on the odometer and receive coverage until your car has reached 250,000 miles. It covers your engine, transmission, drive axle, four-wheel drive transfer case and turbo/supercharger. It also has hybrid vehicle options.

As with most vehicle service contract providers, newer cars are eligible for more comprehensive coverage. Visit Toco’s website to find out which coverage option fits your budget and vehicle — the company has sample contracts and sample payment plans.

Warranty benefits

Toco’s warranty plans include several benefits outside of vehicle coverage. These include the following:

  • 24/7 roadside assistance: Toco gives you access to roadside assistance that can jump-start your car, change a flat tire, deliver fuel, send a locksmith or tow your car up to 15 miles.
  • Trip interruption coverage: If your vehicle has a covered breakdown more than 100 miles from your home, Toco helps with restaurant and hotel reimbursement if your car can’t be repaired within a day. It covers up to $100 a day (for both meals and lodging) for up to three days, with a $300 cap per breakdown.
  • Rental car benefits: If your vehicle has a breakdown covered by your contract with Toco, the company will pay or reimburse you to rent a car or use alternate transportation while your vehicle is being repaired. The company provides a maximum of $40 for every four hours of applicable labor time, the time required to complete an inspection or the time it takes to receive parts — with a maximum benefit of $200 per repair visit. No deductible is required for this benefit.
  • Hotel/motel discounts: Toco Warranty customers receive discounts on any stay booked through, and you can get a 5% rebate when you send the company your receipt.

Toco Warranty cost

Toco Warranty’s monthly prices vary based on your car’s age and mileage. To get an accurate estimate of your monthly coverage cost, visit Toco’s website and fill out the online interest form. You’re required to provide specific information about your vehicle, including the following:

  • The make
  • The model
  • The year
  • The current mileage

If you choose to speak to a representative over the phone, you only need to provide your vehicle identification number (VIN).

After providing this information, you receive an accurate quote of your monthly payment. The company charges a $5 late payment fee if your account is past due over five days, but the fee may be waived at Toco’s discretion. Your contract will be canceled with no notification if you’re more than 15 days past due.

Toco Warranty FAQ

Where is Toco Warranty available?

Toco’s services are available in 46 states. The company’s services are not available in Alaska, California, Missouri and Washington.

Can I cancel my Toco Warranty?

Yes, you can cancel your Toco Warranty plan. While the company does not currently charge a fee to cancel, the contract states it does have the option to charge a cancellation fee.

Who owns Toco Warranty?

Toco Warranty is owned by the Toco Warranty Corp., which is located in West Hills, California.

Is Toco Warranty legit?

Toco is a solid choice if you’re looking for an extended auto warranty. The company keeps your decision simple by offering one plan with four levels of coverage and provides multiple benefits. You can also use any ASE-certified mechanic for repairs.

We recommend Toco Warranty’s services for vehicle owners searching for a comprehensive vehicle service contract with no down payment.

Toco Warranty Reviews

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Page 1 Reviews 0 - 5
Verified Reviewer Verified Buyer
Original review: Dec. 29, 2022

My trailblazer transmission took a vacation so I call AAA for a tow, then I called Toco to inform them about the breakdown. The woman at Toco told me they would tow me 9 miles for free as part of the insurance. AAA was only going to tow me 5 miles for free. So I canceled the AAA and called Toco back. They told me the wait time would be about an hour. So, I went into the hospital to ask the question I was there about. While I was asking the question, the tow driver called me. He was over a half hour early. Hallelujah!

Toco Warranty response

Toco appreciates the detailed review of our services and we look forward to providing 5-star service each step along the way. Thank you for allowing us the opportunity to serve.

4 people found this review helpful

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    Verified Reviewer Verified Buyer
    Original review: Nov. 11, 2022

    The engine in our car seized up around the middle to end of October. We took it to our repair shop and they informed us that we would need a new engine. We contacted Toco and got the process started. It was finally approved and the engine was ordered on November 10th. Daurie did a great job of keeping us informed and letting us know what was going on with the adjuster. She was very friendly and took my concerns seriously. She got the answers I needed in a very timely manner and never failed to contact me when she said she would. She has made this situation so much better than I thought it could be. I truly appreciate how she made it less stressful for us. I can't thank her enough.

    Toco Warranty response

    Thank you for taking the time to leave a review. We are glad to hear about your positive experience and would love to connect with you a bit more to discuss.

    2 people found this review helpful
    Verified Reviewer Verified Buyer
    Original review: June 30, 2022

    Wendy was very helpful! She answered lots of questions. Educated me on options for our other vehicles. It is very nice to come across a good customer service person that cares about the company they work for and helps their customers at the same time. If I had a position open I would have tried to recruit her. That's a huge compliment!

    Toco Warranty response

    We agree! We think that he is one of the best. Thank you for taking the time to detail your experience. We appreciate the opportunity to serve and look forward to helping you in your time of need.

    Be the first one to find this review helpful
    Verified Reviewer Verified Buyer
    Original review: June 29, 2022

    Derrick ** is an exceptional agent, very knowledgeable about the services your company offers and has a wonderful attitude and phone presents. Because of his willingness to get me the coverage I needed and making the conversation fun, I have already forwarded his name to 3-4 of my co-workers!!! Great Job Derrick... 2 thumbs up!!!

    Toco Warranty response

    It is amazing how one nice conversation can change one's day. Thank you for allowing us to be there to have that conversation. At Toco, we strive to make every interaction memorable and it sounds like Derrick did just that. Thanks for allowing us to have a few moments of your day.

    2 people found this review helpful
    Verified Reviewer Verified Buyer
    Original review: June 18, 2022

    Filled out the form on the internet, Sergio called and was very professional and answered all questions. The customer experience/service was "excellent". I don't enjoy pressure and he did not pressure me to make a choice. Sergio explained the coverage and the exclusions. He also sent me emails with information to visualize as well as verbal.

    Toco Warranty response

    Thank you for allowing us to be your trusted repair coverage. Service contracts may be boring to talk about, and who wants to talk about car repairs? With Toco, we will handle the repairs moving forward so you can spend your time on other, more enjoyable things. We appreciate you, your business, and your trust.

    3 people found this review helpful
    Verified Reviewer Verified Buyer
    Original review: May 18, 2023

    Derrick was extremely professional and friendly. He clarified many concerns and made me feel very comfortable in choosing Toco. Years ago, the last warranty I had was with CarShield and after making a claim, the reimbursement was a fraction of my cost. Again, Derrick helped ease my concerns.

    Toco Warranty response

    Rather than having pushy sales guys demand your business, Toco prefers a team that advises customers on the product to see if it fits their needs. Most times, we can find the right fit, but it may not be for everyone. We appreciate that you have shared your experience, and we are excited to have you as a part of the Toco family!

    Be the first one to find this review helpful
    Verified Reviewer Verified Buyer
    Original review: May 16, 2023

    Derrick ** was very knowledgeable and professional during my purchase experience of the TOCO warranty. He was also very considerate of my time and explained everything in great detail. This experience was a productive use of time, and I was able to complete my transaction. Derrick also checked for promotions.

    Toco Warranty response

    Toco is committed to always giving our customers a Best in Class experience. We appreciate the time you took to share your experience and the opportunity to be your Trusted Repair Coverage.

    Be the first one to find this review helpful
    Verified Reviewer Verified Buyer
    Original review: April 28, 2023

    Wonderful experience. Madison was pleasant to talk to and the accommodations to help me with payment arrangements were very helpful. I believe the value is ok as I have not had the to shop around for any other options available

    Toco Warranty response

    Thank you for taking the time to leave a review. We appreciate the opportunity to serve and we look forward to speaking with you down the road!

    Be the first one to find this review helpful
    Verified Reviewer Verified Buyer
    Original review: March 30, 2023

    The experience was great. Took car to mechanic and got it diagnosed and got approved for the repairs and I reimbursed for Lyft share ride. The customer service was very professional and kind to me and the mechanic. Toco called me to make sure I was happy with the work that the mechanic did.

    Toco Warranty response

    Thanks for taking the time to leave a review. We appreciate your business and the opportunity to serve.

    Be the first one to find this review helpful
    Verified Reviewer Verified Buyer
    Original review: March 20, 2023

    This is the best hassle free auto warranty company you can work with. Hands-down! Communication has always been great. Their customer service is very patient, nice, and follows up within a timely manner. I highly recommend them! Thank you from my wife and myself!

    Toco Warranty response

    Thank you for taking the time to leave a recommendation and share your experience. We appreciate the opportunity to serve and we look forward to being here in your time of need, or just whenever.

    Be the first one to find this review helpful
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    Toco Warranty Company Information

    Company Name:
    Toco Warranty
    Company Type:
    Year Founded:
    8501 Fallbrook Ave. Suite 225
    West Hills
    Postal Code:
    United States