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Can You Get State Farm Mechanical Breakdown Insurance?

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If you’re a policyholder wondering whether you have the option to purchase State Farm mechanical breakdown insurance (MBI), you’ve come to the right place. While State Farm does not currently offer MBI policies, there are plenty of alternatives for long-term auto coverage.

In this article, we’ll help you weigh your options and decide what kind of coverage plan may be right for you. We’ll compare MBI and extended warranties, then take a look at the best extended car warranty providers on the market.

To start comparing quotes from our top-recommended providers, click above. 

What is Mechanical Breakdown Insurance?

Car repairs can take a heavy toll on your wallet – especially ones that happen late in your vehicle’s life. If you’re concerned about having to shell out thousands of dollars to repair your vehicle, paying a monthly premium for extended auto coverage might be a great option for your peace of mind.

MBI is an auto insurance policy that acts similarly to a manufacturer warranty, covering most vehicle components that sustain damage due to defects in materials or workmanship.

MBI differs from standard collision or comprehensive auto insurance coverage. These policies cover damages after a collision or non-collision events, including theft, vandalism and weather-related incidents.

Does State Farm Offer Mechanical Breakdown Insurance?

Currently, State Farm does not offer mechanical breakdown insurance. The company shows no sign of adding this type of coverage to its plans, as there is no information about MBI on its website.

Fortunately, there are plenty of other options for extended auto coverage. Other insurance companies, such as GEICO, offer MBI policies. Extended car warranties – offered through either your vehicle’s manufacturer or a third-party provider – are another good choice.

Mechanical Breakdown Insurance vs. an Extended Warranty

MBI and extended auto warranties both offer peace of mind that you won’t be stuck footing the bill for expensive repairs after your vehicle’s factory warranty expires.

Let’s look at how MBI stacks up against an extended auto warranty in terms of coverage, cost, term limits, repair flexibility and reliability.


With MBI, there’s typically only one policy offered. With an extended warranty, you can choose from many plans with varying degrees of coverage. A third-party warranty usually comes with added benefits like emergency roadside assistance, rental car reimbursement, lockout services and more. If you want these perks with your MBI coverage, you’ll most likely need to add on another insurance policy to cover them.


MBI can be cheaper than an extended warranty year over year. According to customer reviews, GEICO mechanical breakdown insurance may only cost between $72 and $120 per year. In our industry-wide warranty review, we found coverage plans cost, on average, $585 per year of bumper-to-bumper coverage and $120 per year of powertrain coverage. 

On the other hand, MBI policies usually have high deductibles ranging from $200 to $500, which means you’ll be paying more out of pocket for repairs. Many independent providers offer deductibles as low as $0.

Term Limits

As your vehicle ages, the more likely it is to need expensive repairs. The longest MBI policy we found only covers your vehicle up to 7 years/100,000 miles. By comparison, a vehicle protection plan from a third-party provider may offer upwards of 15 years or 250,000 miles of coverage, depending on your provider and plan.

Repair Flexibility

Both MBI and independent warranties will allow you to take your vehicle to the licensed repair facility of your choosing. However, if you purchase extended coverage through your vehicle’s manufacturer, you’ll typically be required to have your car serviced at the dealership.


MBI is monitored and regulated by state governments, which may give you added peace of mind about purchasing coverage. On the other hand, the scam calls associated with extended warranties can leave people wondering whether any provider’s service is legit. We’ve identified the most reputable extended car warranty companies available, so you can feel confident purchasing additional coverage for your vehicle.

Below, we’ve compared MBI and extended warranties head to head.

Breakdown Insurance
Extended Warranty
Extended Warranty
Eligible VehiclesUsed cars with fewer
than 15,000 miles
New cars and some used cars
from dealerships
Most vehicles, regardless
of age or mileage
Coverage LimitVaries
(7 years/100,000 miles
VariesUp to 15 years/250,000 miles,
depending on the provider
Payment SchedulePayment planPay upfront
or on a monthly payment plan
Pay upfront
or on a monthly payment plan
Average CostAbout $100 per yearVaries$1,700 to $4,000 total
DeductibleTypically $250$0 to $250$0 to $250
*Figures vary by provider.

Our Picks for Best Extended Car Warranties

If you’re considering extended warranty coverage, you’ll want to get quotes from the best companies. We’ve reviewed every major third-party extended warranty provider, considering factors like coverage, affordability, industry standing and customer reviews. Endurance, CARCHEX and Carshield came out on top.

We’ve compared our top picks to MBI below.

Mechanical Breakdown InsuranceEnduranceCARCHEXCarShield
Start DateBefore your vehicle
hits 15,000 miles
Maximum Length
of Coverage
(7 years/
100,000 miles
8 years/
200,000 miles
10 years/
250,000 miles

300,000 miles

Number of
Plan Options
Typically 1656
Deductible$200 to $400$0 to $200$0 to $200$0 to $100
Repair NetworkVaries by provider,
but most allow you to go to
your choice of repair shops
Repair facilities certified
by the National Institute
for Automotive
Service Excellence (ASE®)
More than 30,000
facilities nationwide
Repair facilities
AvailabilityContact your auto insurerGET QUOTEGET QUOTEGET QUOTE

Frequently Asked Questions About MBI

Is it worth getting mechanical breakdown insurance?

Mechanical breakdown insurance is often worth the investment for peace of mind and predictable repair costs. But before you decide to take out an MBI policy, consider your vehicle’s reliability and average repair costs, your existing warranty coverage, and the price of MBI. If you have a highly reliable vehicle and feel comfortable footing the bill for repairs, MBI may be unnecessary.

Which insurance companies offer mechanical breakdown coverage?

GEICO, AAA, Allstate and Liberty Mutual offer mechanical breakdown insurance or similar products and services.