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Should You Get a Honda Extended Warranty?

  • An extended warranty is a type of vehicle protection plan that provides repair and defect coverage on your car after your factory warranty expires.
  • You can purchase an extended warranty for your Honda through a Honda dealership or a third-party warranty provider.
  • Third-party extended warranty companies are generally more flexible when it comes to warranty premium costs and component coverage conditions.

Affiliate disclosure: Automoblog and its partners may be compensated when you purchase the products below.

Choosing an extended warranty plan can be a time-consuming process. The best way to streamline the process is to know all the options on the table. For instance, you probably know you can get a Honda extended warranty from the dealership, but did you know third-party providers may offer a better deal?

If you’re concerned by the higher cost of a Honda extended warranty, then researching third-party warranty options will likely simplify your final decision. We’ve compiled a comprehensive guide to extended vehicle protection plans. By reading this guide, you’ll be better equipped to compare and select the right extended warranty plan for your Honda. 

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Why Do You Need An Extended Warranty?

A vehicle service contract, more commonly known as an extended warranty, provides Honda owners with protection against out-of-pocket costs for future car repairs, service labor expenses, and upcoming maintenance bills. On average, Hondas generate $428 in repair and maintenance costs every year. So, after 15 years of ownership, the average Honda owner can expect to pay up to $6,420 in repair costs – and remember, that’s only considering average annual repair expenses. For this reason, we believe long-term warranty coverage is important for your financial security and overall peace of mind.

Honda Reliability & Repair Preparation

According to RepairPal’s 2020 Reliability Rating list, Honda, which received a 4.0 out of 5.0, is the most reliable car brand (out of the 32 auto companies on RepairPal’s list) in the U.S. These ratings are drawn from an in-depth analysis of average repair costs and mileage reliability across 345 unique automobile models.

Remember, no matter how reliable your vehicle is, repair projections are still an important factor in choosing an extended warranty plan. In fact, a recent study from J.D. Power found for every 100 new Honda owners, 98 of them still experience repair issues in the first 90 days of ownership. If you know the type and timeframe of service work to expect, you can choose and customize your extended warranty options accordingly. To help kickstart this process, we’ve listed three popular Honda models and the cost of their most common repairs below:

  • Honda Accord: Replacing the ignition switch will cost between $125 and $275.
  • Honda Civic: Replacing the catalytic converter will cost between $945 and $2,475
  • Honda CR-V: Replacing the variable valve timing control solenoid will cost between $604 and $672.

What’s Covered Under Honda’s Factory Warranty?

Honda warranty coverage typically kicks in the second you drive your vehicle away from the dealership. However, not all factory warranties are created equally. Here’s what coverages and coverage term conditions are included in Honda’s factory warranty:

  • Basic Bumper-to-Bumper Vehicle Warranty: 3 years or 36,000 miles
  • Powertrain Limited Warranty: 5 years or 60,000 miles
  • Hybrid Powertrain Warranty: 8 years or 100,000 miles
  • Federal Emissions Warranty: 3 years or 36,000 miles
  • California Emissions Warranty: 3 years or 50,000 miles, or 7 years or 70,000 miles
  • High Voltage Battery Capacity Warranty: 8 years or 100,000 miles
  • Accessory Limited Warranty: 3 years or 36,000 miles
  • Remanufactured Parts Limited Warranty: 3 years or 36,000 miles
  • Corrosion Limited Warranty: 5 years and unlimited miles
  • Seat Belt Limited Warranty: 15 years or 150,00 miles

Now, while this list of warranties may seem extensive, coverage under a Honda factory warranty is by no means universal. Here are three types of non-defective repairs that won’t be covered under the Honda New Vehicle Limited Warranty:

  • Tire patching or replacement.
  • Cosmetic chassis damage or polish issues.
  • Cracked, shattered, scratched, or chipped window glass.

Honda Extended Warranty Overview

Honda’s extended vehicle protection plan, better known as Honda Care, is a customizable warranty program that allows customers to create a coverage extension package for the following vehicle systems:

  • Climate control: Covers A/C heating and cooling systems.
  • Chassis (drive): Covers the braking, steering, and suspension systems.
  • Powertrain: Covers the engine, transmission system, differentials, and axle assembly.
  • Electronic units: Covers the engine control unit, conventional/hybrid batteries, and electronic cabin systems (e.g. audio, navigation).
  • Honda Genuine Accessories: Covers navigational and security systems, as well as audio and communication devices and accessories.

Available for new and pre-owned vehicles, you can add Honda Care at any point before the expiration of the standard three-year or 36,000-mile Honda factory warranty. To ensure comprehensive and cost-efficient coverage, we recommend you wait until your factory warranty is about to lapse before augmenting it with an extended warranty. Honda Care is available for up to eight years or 120,000 miles.

After adding Honda Care to your vehicle, you’ll also be eligible for a range of attractive perks, including 24/7 roadside assistance, trip interruption protection, rental car reimbursement, and concierge services.

If you’re looking to secure additional coverage for general maintenance tasks, the Honda Care program can be stacked with Honda Care Sentinel, a subordinate extended warranty plan that provides coverage for less expensive maintenance, such as tire damage or unscheduled oil and fluid replacement.

Also, if you currently own or plan on purchasing multiple Honda vehicles, you might want to consider applying for the Honda Care Family Plan, a multi-car warranty package for sharing roadside assistance and rental car reimbursement perks.

A Honda extended warranty can help offset the cost of repairs.
A Honda extended warranty can help offset the cost of repairs.

Honda Extended Warranty Costs

There are two major types of costs to consider when purchasing extended coverage: your deductible and your monthly premium. The deductible is a predetermined minimum dollar amount you must pay for claimed repairs or services. Honda Care extended warranty plans come with either a $0 or $100 deductible. Remember, even though selecting the $100 deductible means a lower monthly warranty premium, it also means you’ll be paying more for every service repair you incur over the life of the warranty. 

The cost of your Honda warranty will be determined, deductible choice aside, by the following five factors:

  • Coverage customization: The more comprehensive the warranty coverage, the more expensive the premium.
  • Provider choice: In most cases, extended warranties from third-party providers have less expensive premiums than Honda dealership extended warranties.
  • Existing coverage: If you choose to stack an extended warranty on your car’s unexpired factory warranty, you will be charged a discounted premium rate.
  • Vehicle age: Older vehicles tend to have a higher risk of defects and service issues. As a result, your car’s age and mileage will factor into the calculation of your premium cost. 
  • Vehicle model: Your Honda model will be cross-referenced against historic defect and reliability data. If this information indicates a higher-than-average chance of a coverage event, your premium will be more expensive.

In some cases, your Honda dealership may also offer to bundle your Honda Care plan premiums and origination costs with your vehicle’s broader financing agreement. However, we can’t in good faith recommend this payment structure for current or soon-to-be Honda owners. Even though it might be convenient to roll your vehicle service contract into your car loan, it’ll also mean you’ll end up paying interest on your warranty premiums. 

A Honda extended warranty can help protect your vehicle for the miles ahead.
Despite the company’s well-deserved reputation for durability and reliability, Honda vehicles are not immune to defects or mechanical breakdowns. A Honda extended warranty can help protect your vehicle for the miles ahead.

3 Things We Like About Honda Care

  1. Honda Care can be transferred between private entities for a $50 fee.
  2. We have to admit, concierge support is a very useful feature. With the press of a button, you are connected to a live agent who can help you with everything from dinner reservations to event booking and trip planning assistance.
  3. After adding Honda Care to your car, you can also benefit from a range of other worthwhile incentives, including roadside assistance, towing services, and fuel delivery.

3 Things We Don’t Like About Honda Care

  1. Honda Care is considerably more expensive than the majority of third-party extended warranty providers. CARCHEX monthly payments can be as low as $64.*
  2. After purchasing a Honda Care plan, personally maintaining your vehicle tends to become a coverage liability. This means any evidence of DIY repairs, even temporary patch-ups, could potentially void coverage for a claim event.
  3. For Honda Care to approve covered repairs, you will need to have your vehicle serviced by Honda technicians and replace any components with Honda OEM parts. If you break down in a remote area and have to take your car to a mechanic with non-manufacturer components, you may find your car’s repair and service bills omitted from coverage.

Why Should You Consider a Third-Party Extended Warranty for Your Honda?

Despite some limitations, Honda Care is an adequate extended warranty plan and, on the surface, it’s easy to see the advantage in packaging your car brand and warranty with the same company. However, more often than not, you can net a more inclusive, affordable deal by reaching out to a third-party extended warranty provider.

First of all, although coverage flexibility will depend on your specific choice of warranty provider, third-party extended warranty plans are generally more customizable than dealership vehicle service contracts. This means you can tweak your coverage according to your specific requirements, be it warranty budget, specific model issues, or projected driving mileage.

Secondly, coverage under a third-party provider is not contingent on service at a specific dealership or repairs with company components from company technicians. This means you have the freedom to work with trusted local mechanics and service centers. Once your claim is approved, your warranty provider will handle everything directly with the mechanic. That means no paying up front and chasing down reimbursement checks.

Thirdly, the average premium cost for third-party extended warranties is generally cheaper than for dealership vehicle service contracts. This is because third-party providers are not contractually bound to one single auto company, enabling them to access and compete with a much broader customer market.

CARCHEX Extended Warranty Options

If you’re not sure where to start looking for a third-party extended warranty provider, we recommend getting in touch with CARCHEX. Not only does CARCHEX offer five different levels of affordable extended warranty coverage, but the company also has an excellent reputation for customer service, boasting an A+ Better Business Bureau rating and accreditation

If you want to get in contact with a cost-effective and reputable third-party provider, CARCHEX can answer your questions and offer a free, no-obligation quote.

 

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Frequently Asked Questions 

Can I cancel my Honda Care extended warranty?

Yes, your Honda extended warranty can be canceled at any point. If you choose to cancel Honda Care within 60 days of purchase, you’ll receive a full refund. Beyond the first 60 days, any refunded amount will be prorated according to either the remaining contract term or your car’s current mileage. 

What are the alternatives to Honda Care?

There are currently dozens of third-party providers offering alternative extended warranty services, including CARCHEX, Endurance, CarShield, and autopom!. We’ve done our research, and we believe CARCHEX offers the most inclusive and most cost-effective options for extended warranty coverage. 

How much will a third-party vehicle service contract cost?

In the vast majority of cases, third-party extended warranties are a less expensive alternative to manufacturer extended service contracts. 

*Figure accurate as of May 2017. Average monthly coverage cost is based on the average total price of the Vehicle Protection Plan over a four year coverage period. Actual monthly payments will vary per plan’s payment policy. Individual pricing is subject to change based on the combination of make, model, year, and mileage as well as coverage level and term length.

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