Toyota extended warranty: cost, coverage and plans
A warranty might be a good choice if you’re in it for the long haul
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Toyotas may be some of the most reliable cars on the road, but they only come with a middling factory warranty — just three years or 36,000 miles of bumper-to-bumper coverage and five years or 60,000 miles of powertrain coverage.
Given this limited coverage, you might consider protecting your Toyota with an extended warranty — maybe even one from Toyota itself.
But what are the pros and cons of Toyota’s in-house extended warranties? Find out what your options are, what they cover, what they cost and when it might make more sense to get a warranty elsewhere.
Toyota Extra Care quotes typically range from $2,200 to $4,000, which is lower than the national average.
Jump to insightExtra Care plans from Toyota still tend to be more expensive than paying out of pocket.
Jump to insightThird-party options may be cheaper, and they can come with terms lasting up to 10 years or 300,000 miles.
Jump to insightToyota extended warranty coverage
Toyota’s official extended warranty program is called Toyota Extra Care, and it comes in three coverage levels: Platinum, Gold and Powertrain.
Like most extended warranties, these plans help cover repair costs if your car experiences a mechanical failure after the factory warranty expires. That means they can be a big help in certain situations, but they won’t cover repairs if you skip maintenance or get into an accident. (If you’re looking for collision coverage, you need car insurance.)
You can purchase a Toyota Extra Care plan from any certified Toyota dealer during your vehicle’s eligibility period, but this period varies based on the type of car you have:
- For “new” vehicles, you can purchase a Toyota Extra Care plan during your basic factory warranty period (i.e., before your vehicle hits three years or 36,000 miles).
- For used vehicles, you can only purchase a Toyota Extra Care plan when you purchase your car from the dealership, and it must have fewer than 150,000 miles. Your available warranty coverage levels also depend on how old your car is. Powertrain protection plans are available for Toyotas up to 12 model years old (i.e., 2013s or newer as of 2025). Platinum and Gold protection plans are limited to vehicles under nine model years old.
- For leased vehicles, you may add Extra Care at lease signing or any time while the factory warranty is still in effect (within the first 3 years/36,000 miles).
Warranty terms are generally written as “X years/XX,XXX miles,” with coverage ending with whichever limit you reach first.
Warranty coverage terms range from three years/50,000 miles to 10 years/125,000 miles on new vehicles. For used vehicles, the coverage ranges from one year/12,000 miles to five years/60,000 miles.
When you consider that Toyota’s factory bumper-to-bumper warranty expires after just three years or 36,000 miles, and its powertrain warranty expires at five years or 60,000 miles, being able to extend your coverage to up to 125,000 miles is pretty impressive.
» LEARN: What is a vehicle service contract?
Toyota extended warranty benefits
All Toyota Extra Care plans include three benefits in addition to paying for covered repairs:
- 24/7 roadside assistance, including towing, jump-starts, fuel delivery and other services
- Rental car reimbursement, covering up to $50 per day for five days (per occurrence)
- Travel protection, which reimburses you for up to $100 worth of meals and lodging per day if your Toyota breaks down over 150 miles from home (with a maximum of five days per occurrence)
Toyota extended warranty plans
As we mentioned earlier, Toyota Extra Care comes in three levels of coverage — Platinum, Gold and Powertrain:
- Platinum covers roughly 85% of the parts and systems in your car.
- Gold covers roughly 55% of the parts and systems in your car.
- Powertrain only covers your engine, transmission, axle assembly and a select handful of hybrid- and alternative fuel-related parts.
Each plan builds on the coverage of the plan under it with Platinum being the highest level of coverage. For an exhaustive list of every part covered (and not covered) by each Toyota Extra Care plan, check out this official Toyota brochure.
| Platinum | Gold | Powertrain | |
|---|---|---|---|
| Air conditioning | |||
| Automatic transmission | |||
| Axle assembly | |||
| Brakes | |||
| Computer and electronics | |||
| Cooling system | |||
| Electrical | |||
| Engine | |||
| Fuel system | |||
| Hybrid/alternative fuel | |||
| Manual transmission | |||
| Steering | |||
| Suspension |
Factory and extended warranties generally don’t cover routine maintenance or parts that wear out over time, like brake pads and tires.
Toyota Extra Care is a bit unique in that its Gold and Platinum protection differ by the number of covered parts, not by system. In other words, they both cover the same basic systems (like your transmission, cooling system or electrical system), but the Platinum plan covers more parts within those systems.
Similarly, both Toyota Extra Care Gold and Platinum cover your brakes, but only the Platinum plan covers your brake pedal subassembly. And both warranty plans cover your electrical system, but only Platinum covers your door control relay.
Most extended warranty providers promote their premium plans as adding coverage for electronics and other high-cost repairs. Toyota, however, takes a different approach by dividing coverage more granularly, offering partial protection at lower price points.
Toyota extended warranty cost
On average, Toyota Extra Care costs around $2,500 for newer cars with under 36,000 miles and closer to $3,000 for used vehicles that are already out of warranty, according to a local Toyota dealer. Some quotes were significantly higher at roughly $4,000.
See extended warranty costs for specific Toyota models:
- Toyota 4Runner
- Toyota Camry
- Toyota Corolla
- Toyota Highlander
- Toyota Prius
- Toyota RAV4
- Toyota Sienna
- Toyota Tacoma
- Toyota Tundra
For perspective, that range is well below the average cost of an extended auto warranty. And considering that Toyota Extra Care warranties tend to run longer than average, they might be relative bargains.
You can see the quotes we received below, but expect your results to vary.
| Vehicle | Toyota warranty term | Platinum cost | Gold cost |
|---|---|---|---|
| 2023 Camry with 500 miles | 6 years/100,000 miles | $2,362 | $2,262 |
| 2023 Camry with 500 miles | 8 years/100,000 miles | $2,406 | $2,306 |
| 2023 Camry with 500 miles | 10 years/150,000 miles | $2,812 | $2,712 |
| 2022 Prius with 10,000 miles | 6 years/100,000 miles | $2,274 | $2,174 |
| 2022 Prius with 10,000 miles | 8 years/100,000 miles | $2,338 | $2,238 |
| 2021 Supra with 35,000 miles | 4 years/48,000 miles | $2,560 | $2,460 |
| 2021 Supra with 35,000 miles | 6 years/60,000 miles | $2,822 | $2,722 |
| 2015 Tacoma with 100,000 miles | 3 years/36,000 miles | $3,398 | $3,298 |
| 2015 Tacoma with 100,000 miles | 4 years/48,000 miles | $4,056 | $3,956 |
The local dealer we spoke with also confirmed that Platinum plans are always $100 more than Gold protection plans, regardless of vehicle or mileage. Considering the wealth of additional parts covered by a Platinum protection plan, upgrading could be worth it for most people.
The dealer also warned us that prices tend to change every six months, and even though Toyota Extra Care won’t kick in until the factory warranty expires, your quote at 500 miles and 35,500 miles will be very different. So, if you’re considering purchasing a Toyota Extra Care warranty, sooner means cheaper.
Toyota extended warranty terms and conditions
For the most part, Toyota Extra Care’s terms and conditions are pretty standard for an extended warranty. While we recommend carefully reading any warranty contract before signing, here are some of the highlights we saw:
- Maintenance: To keep your warranty coverage, you must follow the vehicle maintenance schedule in your Toyota owner's manual and keep a record of receipts.
- Preexisting conditions: Any preexisting conditions won’t be covered by your warranty, which is why we strongly recommend getting a prepurchase inspection before purchasing any used vehicle.
- Transferability: If you sell your car, you can transfer your Toyota Extra Care warranty to its new owner for free. However, this can only be done once, and it can only transfer to a private party — not a dealership.
» MORE: What voids a car warranty?
Toyota extended warranty exclusions
Standard exclusions apply. Your Toyota extended warranty won’t cover:
- Preexisting issues
- Weather- or accident-related damage
- Abuse, neglect or damage resulting from aftermarket parts
- Racetrack use (some exceptions for track-ready models)
Toyota extended warranty alternatives
Toyota Extra Care’s chief drawbacks are its cost and lack of coverage for rust and hybrid or electric vehicle (EV) components. Also, even though eight years or 125,000 miles of coverage sounds like a lot, some Toyotas are known to last up to 250,000 miles without major issues.
“It’s a Toyota, you could put a quarter of a million miles on it and it will ask for more,” wrote Grant Lewis, cohost of Everything Auto, in an email to ConsumerAffairs.
If you’re concerned about these limitations of Toyota Extra Care, an extended warranty from a third-party warranty company might be a better fit. Some of these warranty companies offer flexible terms and coverage that lasts for up to 10 years or 300,000 miles.
They may be more affordable, too. To find out, we collected quotes from four warranty companies: olive, Endurance, Toco Warranty and Omega Auto Care. These quotes were for an eight-year/100,000-mile bumper-to-bumper warranty on a 2023 Toyota Camry. All warranties came with a $100 deductible (unless otherwise stated).
Here are the results:
| Warranty provider | Cost |
|---|---|
| Toyota Extra Care | $2,406 |
| olive | $1,249 |
| Endurance | $5,141 |
| Toco Warranty | $4,535 |
| Omega Auto Care | $8,399 ($200 deductible) |
This is a good example of why shopping around for extended warranty coverage can pay off. olive offered similar coverage for half the price of Toyota — and at a significantly lower price than some competitors. Comparing multiple options helps ensure you get the best deal and don’t overpay.
Given the wide variance in prices, we recommend checking out both Toyota and third-party warranty companies to find the right warranty for your needs. Read reviews, get quotes and compare costs, coverages and contracts to ensure you’re making an educated decision based on your unique circumstances.
Toyota extended warranty pros and cons
Pros
- Offers long-term coverage up to 10 years/125,000 miles
- Includes 24/7 roadside assistance, rental reimbursement and travel protection
- More affordable than average extended warranties, especially for newer vehicles
- Flexible coverage levels with three tiers: Platinum, Gold and Powertrain
Cons
- Doesn’t cover rust, corrosion or hybrid/EV components beyond factory warranty
- Limited purchase window for used vehicles and model year restrictions
- Prices can vary significantly and increase over time
- Coverage differences between Gold and Platinum can be confusing due to part-level granularity
Is the Toyota extended warranty worth it?
A Toyota extended warranty is worth considering if you relate to these three statements:
1. You can’t afford a surprise repair out of pocket.
A ConsumerAffairs survey found that nearly 60% of drivers don’t have enough savings for a $1,000 repair. If an unexpected repair would put you in financial trouble, an extended warranty could help.
2. You want predictable repair costs.
Instead of facing an expensive surprise, you prefer to pay a set amount upfront to avoid uncertainty. Toyota Extra Care plans cost around $750 per year — less than the $1,000-per-year industry average for exclusionary extended warranties.
3. You plan to keep your Toyota for a long time.
Even the most reliable cars need repairs as they age. If you plan to drive your Toyota past 100,000 miles, a warranty could help cover costly repairs.
A 2019 RepairPal study found Toyota’s average annual repair cost was $441 — about $591 as of publishing — much lower than the $857 industry average. That means many Toyota owners spend less on repairs than they would on an Extra Care plan. However, if you plan to keep your car for 10+ years, extended coverage could be valuable.
Toyota Extra Care plans run longer than many competitors, covering up to 125,000 miles. For example, an 8-year/125,000-mile Gold plan extends your factory bumper-to-bumper coverage by five years and 89,000 miles.
That said, there are gaps. Extra Care doesn’t cover rust or corrosion beyond the five-year factory warranty, which could matter in regions with salted roads. Hybrid and EV components — like battery packs — are also excluded after the 8-year/100,000-mile factory warranty expires. One ConsumerAffairs reviewer from Florida reported a $5,000 bill after their Prius' hybrid system failed out of warranty.
» RELATED: Is car repair insurance worth it?
Extra Care plans tend to cost less than the average extended warranty, but they’re still more than Toyotas average in repair bills.
Extra Care plans cost less than the average extended warranty but more than Toyota’s typical annual repair costs. Unless you're looking for protection against a major repair bill, an extended warranty may not be financially necessary.
Consider this litmus test: If you purchased an 8-year/125,000-mile warranty and never filed a claim, would you still be glad you bought it? If the answer is yes, the extra protection might be worth it.
FAQ
How much does a Toyota extended warranty cost?
A Toyota extended warranty costs around $2,500 for newer cars with under 36,000 miles and closer to $3,000 for used vehicles that are already out of warranty.
Can I buy a Toyota extended warranty online?
Yes, you can purchase a Toyota extended warranty online or in person at the dealership.
How do you cancel a Toyota extended warranty?
To cancel your Toyota extended warranty you’ll need to contact the dealership. If you cancel within 30 days, you’ll receive a full refund minus a $50 processing fee. Cancellations made after 30 days will be prorated.
What if my Toyota extended warranty expires?
Once your warranty expires, you'll be responsible for any repairs that would have been covered under the warranty. You may want to consider third-party extended warranties, prepaid maintenance plans or other coverage options to help with unexpected repair costs.
What happens if I sell my car before the extended warranty expires?
You can transfer the extended warranty to the new owner if you sell your car to a private party before the warranty has expired.
Can I use my Toyota extended warranty at any dealership?
Yes, you can use your Toyota extended warranty at any Toyota dealership in the United States.
How long is Toyota’s factory warranty?
Toyota’s factory warranty period is three years or 36,000 miles.
Is Toyota’s extended warranty transferable?
Yes, Toyota’s extended warranty is transferable. It’s free to transfer the warranty, however it can only be transferred once to a private party.
Article sources
ConsumerAffairs writers primarily rely on government data, industry experts and original research from other reputable publications to inform their work. Specific sources for this article include:
- J.D. Power, “Vehicle Dependability Improves Despite Continued Problems with Technology, J.D. Power Finds.” Accessed Feb. 20, 2023.
- RepairPal, “Toyota Reliability Rating.” Accessed Nov. 10, 2023.
- Federal Reserve Bank of St. Louis (FRED), “Consumer Price Index for All Urban Consumers: Motor Vehicle Maintenance and Repair in U.S. City Average.” Accessed Nov. 8, 2023.
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