Purchasing an extended warranty for a car with 100,000 miles has it advantages. Learn what providers have the best protection for older vehicles.
See which vehicles last the longest, which ones are deemed unreliable, and how a service contract can benefit you and your wallet.
Affiliate disclosure: Automoblog and its partners may be compensated when you purchase the products below.
Most dealership warranties expire before your car reaches the 100,000-mile mark. But to continue your coverage and peace of mind for even the most expensive repairs, consider getting an extended warranty for cars over 100,000 miles.
5 Best Extended Warranties for Cars Over 100k Miles:
Who Are The Most Reputable Extended Car Warranty Companies?
There are over a dozen extended car warranty companies, but we picked five of the top providers for cars with more than 100,000 miles. Most extended auto warranty companies offer multiple plans, from powertrain-only warranties to full-coverage options similar to your car’s factory warranty. We picked plans best suited for high-mileage vehicles.
CARCHEX and Endurance specifically advertise plans meant for vehicles with greater than 90,000 miles.
10 years or vehicles up to 250,000 miles
Select Premier Coverage
Vehicles up to 15 years old or 200,000 miles
Seals and Gaskets
Vehicles up to 200,000 miles
Electronics & High-Tech
Seals, Sealing Boots, & Gaskets
7 years or vehicles up to 150,000 miles
Additional steering, suspension, heating, cooling, braking, and fuel delivery system
Liberty Bell Auto Protect
Vehicles up to 140,000 miles
Customer service can be just as important as warranty coverage. You want a contract with an extended warranty company that is transparent, responsive, and trustworthy.
In our research, we considered factors like customer service hours, money-back guarantees, Better Business Bureau ratings, and customer reviews to provide a customer experience rating for each of the best extended warranty companies for cars over 100k miles.
Is An Extended Auto Warranty Worth It?
It certainly can be. An extended warranty is a vehicle service contract rather than a legal warranty, so it will always cost extra, because it’s not included with your car’s purchase. It’s best to get an extended warranty if the price is the same or less than the cost of expected repairs.
It also depends on your lifestyle and vehicle. Consider getting an extended warranty if these points pertain to you:
Your car’s manufacturer’s warranty only lasts three to five years.
You have an older vehicle that will most likely need major, costly repairs.
Extended warranties are a great option for used cars purchased privately.
Long commutes or frequent travel push you past your factory warranty quickly.
Your vehicle type has known (and often specific) problems, especially as mileage increases.
You find comfort in the idea of something that takes care of all aspects of car repair for you, including towing and roadside assistance.
If your vehicle requires any type of repair related to general wear and tear, then an extended warranty might not be the most cost-effective option. Always make sure to read the provider’s contract for full coverage details.
What Should Your Extended Car Warranty Include?
Don’t choose an extended warranty that skimps on repairs and dodges on its promises. If your engine is kaput and the service contract only covers repairs on the most meaningless parts, then you’re in for a headache. Coverage is key, and there are two main types.
A powertrain warranty covers only the most important components of the car, which makes it a cheaper and longer contract. With powertrain coverage, you’ll get protection for certain parts of these components:
We can’t guarantee every part of your car’s engine or driveshaft will be covered, but many warranty services can have extensive coverage under more expensive plans.
Bumper to Bumper
If your old car is giving you breakdown anxiety, then a bumper-to-bumper warranty is the best type of extended warranty, especially for cars over 100,000 miles. While it won’t cover every single part of the car, it can cover other important components of your braking and electronic systems, along with lighting, suspension, air conditioning, and power steering. Of course, this type of coverage will come at a higher price.
Some extended auto warranties will have an added bonus of flexibility for covered auto repair shops, as well as additional reimbursement for rental car services or towing. It’s always a good idea to ask about these features.
Which Provider Do We Recommend For High-Mileage Cars?
CARCHEX wins our vote for an extended warranty for an older vehicle. With bumper-to-bumper coverage, transferable plans, and affordable payments, the company also boasts a good reputation within the industry. Endurance, rated our Best Overall, is another good option for cars with more than 100k miles.
21 years of experience
21 available warranty plans
99 percent of customer satisfaction
Covers cars with up to 250,000 miles
Endorsed by CARFAX, The Motoring Club, Kelley Blue Book, Edmunds, and more
In addition to component coverage, you’ll also receive these additional perks.
Battery Jump Service: An old battery can be given a boost or jump start.
Rental Car Reimbursement: Get reimbursed (within a dollar limit) for a rental while your vehicle is being repaired.
Tow Service: Receive up to $100 for your old or used car to be towed to the nearest repair facility.
Roadside Assistance: Older cars are more likely to breakdown. In the event you’re stuck, you’ll get immediate assistance at any time of the day for free with your coverage plan.
Network Flexibility: CARCHEX has a network of over 30,000 mechanics that you can choose from for your repair, so you have a say in the quality of service and your car’s longevity.
Trip Interruption Service: If you rack up miles in travel, you can receive reimbursements of up to $300 for accommodation and food if your vehicle breaks down more than 100 miles from your home.
If you drive an old car or you accrue miles quickly, you have the option to protect your car and wallet in the event of a breakdown. Speak to a CARCHEX representative about an extended warranty for cars over 100,000 miles and get a free quote when you call or fill out the form below.
Top-rated provider with unmatched customer service and affordable coverage for high-mileage vehicles
14 years of experience
6 available warranty plans
Covers cars with up to 200,000 miles
In addition to component coverage, you’ll also receive these additional perks with the Endurance Elite Membership.
30-Day Full Refund Guarantee: Receive a full refund if you are dissatisfied with the service within the first 30 days of your service contract.
Rental Car Reimbursement: Get reimbursed of $30 per day (limit of $150 per breakdown) for a rental while your vehicle is being repaired.
24/7 Roadside Assistance: This includes dispatch, towing, flat tire services, jump-starts, lockout services, and more.
Key Fob Replacement: If you lose or break your key fob, you can get up to $500 towards the replacement.
Auto Repair Loans: You are eligible for up to $5,000 in auto repair loans with easy monthly payment installments.
Trip Interruption Service: If you rack up miles in travel, you can receive reimbursements of up to $150 a day (limit of $450 total) for accommodation and food if your vehicle breaks down more than 100 miles from your home.
Endurance is a good choice for extended warranties for cars over 100k miles, especially as the car warranty provider fulfills all plans directly, instead of working through a partner company. We recommend getting a quote by using the tool below or calling the number to speak to one of our representatives.
Certain cars are more reliable than others, especially after 100,000 miles. So, which cars will likely need the help of an extended warranty, and which cars can survive without?
Longest Lasting Vehicles
In a 2018 study by iSeeCars.com, experts looked at 13.5 million cars sold in 2017 and determined SUVs, especially those made by domestic automakers, are the longest-lasting vehicles. Below are the two highest-ranked vehicles in the study.
Make & Model: Toyota Sequoia
Durability: Toyota is famous for reliability, with the Sequoia having strong reliability ratings as far back as 2006. The iSeeCars.com study showed 6.6 percent of these SUVs had over 200,000 miles, and 0.2 percent had over 300,000 miles. According to RepairPal, the Toyota Sequoia has an average repair cost of $621, which is 4th out of 14 for full-size SUVs. We drove the 2018 Toyota Sequoia TRD Sport last year and gave it a 91 percent grade.
Make & Model: Ford Expedition
Durability: iSeeCars.com reported 5.4 percent of Ford Expeditions has more than 200,000 miles. According to RepairPal, the average maintenance and repair cost is $833, which is slightly more expensive than RepairPal’s average of $725.
Least Durable Vehicles
Consumer Reports looked into the 10 least reliable cars and found the Volkswagen Atlas and Cadillac CTS to be the worst. Here are a few stats on each:
Make & Model: Volkswagen Atlas
Durability: HotCars.com included this midsize SUV on their 2019 “Built to Crumble” list, noting electrical, engine, and brake issues. The 2018 model has had 10 recalls, according to the National Highway Traffic Safety Administration (NHTSA).
Model: Buick Enclave
Durability: Consumer Reports scored the Buick Enclave’s predicted reliability at 1 out of 5. RepairPal also found this midsize SUV to have a higher frequency and severity of repairs when compared to other cars.
An extended warranty will lessen the impact of expensive repairs on your pocketbook, regardless of what kind of car you drive. That’s because the warranty’s annual payout is likely to be equal to or less than a costly repair, so you get more bang for your buck with a service contract. In addition, an extended warranty can increase your car’s resale value.
Q&A: Extended Warranties For Cars Over 100,000 Miles
Q: What is the cost of an extended auto warranty?
A: We found that a five-year bumper-to-bumper warranty can cost about $2,400. However, small down payments and easy monthly payment plans can make repairs much more affordable than an out-of-pocket engine rebuild. After all, it is usually less expensive to repair an older car than it is to buy a new one.
Going with a third-party service that provides a multitude of coverage plans, you can expect a cheaper price tag. Many extended warranty companies offer payment plans from three months to 24 months (or more) and flexible deductibles starting at $0.
Q: Does AAA offer extended auto warranties?
A: You may already enjoy roadside assistance from AAA, but can it cover high repair costs on an older car? Not all companies offer extended warranty services in every state. AAA is a clear example.
AAA Carolinas, AAA Northeast, and AAA Mid Atlantic provide extended warranties and vehicle protection plans, but you may not be able to find this service in other regions of the country. Check with your local AAA site.
Q: Who provides the best extended warranty for cars over 100k miles?
5 Best Extended Warranties for Cars Over 100k Miles:
CARCHEX: Best for Older Vehicles
Endurance: Best Overall
CarShield: Best Prices
autopom!: Best Customer Service
Liberty Bell Auto Protect: Best Military Discount
Though these are our top five choice, we recommend shopping around and getting quotes from several third-party warranty providers. That way, you can find the best fit for your vehicle and budget.
Top Extended Warranty Companies for Cars Over 100k Miles
We reviewed the best extended warranty providers, and here are our top picks.