A CARCHEX extended warranty typically costs between $150 and $250 per month, though prices vary based on your coverage plan and term length.
CARCHEX offers five levels of coverage, ranging from basic powertrain protection to an exclusionary plan.
The company picked up our 2023 award of “Best for Used Cars” based on its plans for high-mileage vehicles.
In Our Opinion:
CARCHEX is an industry leader that has over 20 years of experience. We've named this company Best for Used Cars because of its many plans geared toward high-mileage vehicles. In addition, CARCHEX will cover many cars up to 250,000 odometer miles.
An extended warranty can help you cover the cost of unexpected car repairs without the money coming out of pocket. Among warranty providers, CARCHEX tops many industry lists due to its long history, great service, and coverage for older vehicles. Our team of experts found that CARCHEX reviews are overwhelmingly positive, leading us to name it as one of the best extended car warranty companies.
In this review, we’ll detail CARCHEX warranty coverage, benefits, and costs to see how the company compares to other top providers.
Compare CARCHEX Plans
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Exclusionary plan – similar to a bumper-to-bumper warranty
Covers all systems and components of your vehicle, except for a few parts.
In our team’s in-depth study of the best extended warranty providers, CARCHEX came in fifth place with a score of 4.4 out of 5.0 stars. We found that the company offers some of the best coverage options for older and high-mileage vehicles, which is why CARCHEX earned the title of Best for Used Cars in 2023.
Expand the section below to a see a table that breaks down how CARCHEX performed in each category of our 2023 study.
CARCHEX Review Score
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What We Like About CARCHEX
As with other best extended warranty companies, CARCHEX provides a number of solid coverage options at reasonable rates. CARCHEX reviews in particular mentioned the following as standout features:
Various extended warranty plans: CARCHEX offers five levels of comprehensive coverage.
Benefits: Each warranty plan comes with additional perks such as roadside assistance and a 30-day money-back guarantee in case of cancellation.
Repair shop network: You can take your vehicle to any licensed repair facility certified by the National Institute for Automotive Service Excellence (ASE®).
CARCHEX Pros and Cons
Works with more than 30,000 repair facilities
Some contracts aren’t renewable
Includes rental car reimbursement, roadside assistance, and trip interruption benefits
Doesn’t offer coverage for recreational vehicles (RVs) or motorcycles
Offers coverage in California
Won’t cover exotic cars
Founded: 1999 Headquarters: Baltimore, Maryland Better Business Bureau (BBB) rating: A+ BBB customer rating: 1.9 out of 5.0 Warranty plans: 5
Commonly rated one of the top extended warranty providers, CARCHEX offers plans in all 50 states. That’s a rarity in the vehicle service contract industry.
However, CARCHEX is not the direct provider of its vehicle service plans. Instead, the company brokers extended warranty policies from providers like Royal Administration Services, Assurant, and American Auto Shield.
CARCHEX Reviews and Ratings
CARCHEX has high ratings across many customer review outlets, including Google and the BBB. An easy way to see if a company takes care of customers is to check its BBB score and accreditation status. CARCHEX has an A+ rating from the BBB and has been accredited by the organization since 2009.
Positive CARCHEX reviews praise the company’s customer service and mention helpful salespeople. Negative reviews mention consistent issues with denied claims.
We’ve added a few CARCHEX reviews from customers to provide a look at its customer service experience. Expand the section below to read them.
Positive CARCHEX Reviews
Positive CARCHEX reviews mostly center around the helpful, professional service that people received and the lack of sales pressure from agents on the phone.
“[The] outstanding customer service representative answered all questions. Also spoke with her supervisor, who was very knowledgeable and friendly. I was very impressed with the professional service and would highly recommend to anyone needing their product.”
– Gerald on Trustpilot
“The individual I spoke to was helpful and not pushy. No problems whatsoever. He made sure I understood things and sent me emails describing my protection plan.”
– Brian H. on BBB
Negative CARCHEX Reviews
Among the negative CARCHEX reviews we saw in our research, some customers complained about contract misunderstandings and communication issues.
“I had a CARCHEX warranty with top coverage. I filed a claim when my shock and strut failed. CARCHEX covers the strut, but not shock. Although the Mercedes dealer said that it was my strut that failed, CARCHEX called it a shock and they did not want to pay for the repair. After a few days of complaints, they decided to make a partial payment. I canceled my contract with them and it took over a month to get back my refund.”
– Basil C. on BBB
“Wait time to talk to someone is ridiculously long. I was on hold for almost an hour. This happened several times. The repair shop couldn’t stay on that long and had to hang up. Wish I hadn’t gotten this company. Very disappointed. Won’t recommend them to anyone.”
– John T. on Trustpilot
CARCHEX Reviews on Reddit
Reddit is another website people use to seek out firsthand information and reviews for companies. Users give mixed opinions on Reddit about CARCHEX, but in general the company has a more positive reputation on the site than many other providers.
The comments below reflect the overall sentiment about CARCHEX that we observed on Reddit:
“I’ve had them for my ’06 E90 BMW for three years now and I plan on renewing. My experience with them has been wonderful. Totally recommended.” – u/celt26
“CARCHEX is just a warranty broker. They collect the information about your car and price shop on your behalf with multiple warranty companies. The actual warranty administrator is always through another company. Depending on that company, your experience will vary.” – u/deutsch-technik
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Generally, a CARCHEX warranty costs between $150 and $250 per month depending on your term length and payment plan. Most CARCHEX coverage plans also require a down payment which varies based on your monthly payment. Compared to other extended auto warranty companies we’ve contacted, this pricing is average for the industry.
We were quoted $2,610 for exclusionary coverage on a newer car, while the lower-tier plan cost $3,600 for a higher-mileage model. In our 2021 warranty survey, we polled 1,000 consumers and found that most pay between $1,600 and $3,200 for extended auto warranties.
CARCHEX Warranty Quotes
We called CARCHEX reps to get quotes for cars of different makes and ages. Our research team asked for quotes on a 2018 Toyota Camry with 28,000 miles and a 2013 Honda Accord with 90,000 miles.
The table below shows the rates we received from CARCHEX.
2018 Toyota Camry
5 years/100,000 miles
$145 for 18 months
2013 Honda Accord
5 years/75,000 miles
$200 for 18 months
CARCHEX Warranty Cost Factors
Each warranty provider has its own way of setting the cost of vehicle service contracts, but commonalities do exist. The cost of a CARCHEX plan varies based on factors such as:
Coverage level: The more extensive the coverage, the more your plan will likely cost. Powertrain plans will cost less than a bumper-to-bumper warranty plan.
Deductible: Similar to car insurance, you can choose your deductible in most cases. The higher you set your deductible, the less you’ll likely have to pay for a warranty.
Type of vehicle: Expensive cars and ones that are pricier to repair will typically cost more to cover with an extended warranty.
Vehicle mileage: Higher-mileage cars are more prone to suffer mechanical failures and are therefore costlier to cover.
Vehicle age: The older a car is, the more likely it is to need mechanical repairs. That means you’ll likely pay more to get a warranty on an older vehicle.
In general, a new car with less mileage will cost less to cover than a used car with high mileage. CARCHEX payments can be made upfront or with monthly payment terms that can last up to two years.
CARCHEX offers five vehicle service contracts ranging from basic powertrain coverage to comprehensive plans similar to bumper-to-bumper warranties. Here’s an overview of CARCHEX extended warranty coverage:
CARCHEX Titanium coverage is an exclusionary plan similar to a manufacturer’s warranty. This covers all systems and components of your vehicle except for a few parts.
Below the highest level of CARCHEX coverage is the Platinum plan. This contract offers stated-component coverage for hundreds of repairs including all major vehicle systems.
Powertrain Plus coverage includes the fuel system, alternator, electrical system, air conditioning, and seals along with the powertrain.
The most basic protection plan from CARCHEX provides powertrain coverage and repairs for seals and gaskets within the engine and drive axle.
This coverage option from CARCHEX protects most critical car components other than those that make up the powertrain.
Not every car will be eligible for each coverage level or plan. Vehicle eligibility is based on factors including the age and mileage of your vehicle.
CARCHEX Extended Warranty Plans
With its five warranty options, most owners will find a coverage plan from CARCHEX that fits their needs and budget. Expand the following section to learn more about these choices.
The CARCHEX Titanium plan provides exclusionary coverage similar to a factory warranty, with terms of seven to 10 years. As the highest coverage level available, the Titanium plan has only a few exclusions.
Platinum is the highest level of stated-component coverage offered by CARCHEX. This coverage plan is available for terms of five to 10 years.
With a Platinum plan, you get the coverage that’s included in the lower-level plans plus protection for the following:
Suspension components like upper and lower ball joints, struts, and mounting plates.
Heating and cooling system components such as the radiator, thermostat, and water pump.
Electrical components such as solenoids and windshield wiper motors.
Powertrain Plus Coverage
The Powertrain Plus plan offers six to seven years of coverage for your vehicle’s essential components, making it a great choice for cars over 100,000 miles. This coverage plan takes care of everything in the Powertrain plan along with the fuel system, air conditioning, and electrical components such as:
Air conditioning compressor
The CARCHEX Powertrain plan provides coverage for the major systems of your vehicle for terms of five to six years. This plan covers the most expensive and catastrophic breakdowns.
Powertrain plan coverage includes:
Drive axle components for the front and rear of your vehicle
Engine components such as connecting rods and bearings, crankshaft and main bearings, pistons, pushrods, timing gear, and valves
Transmission components for automatic or manual vehicles
Extra Care Coverage
The Extra Care plan includes protection for important car parts that make up the electrical system, steering, suspension, and braking system. It excludes pricey powertrain repairs to your car’s engine, transmission, and drive axles.
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CARCHEX Additional Benefits
The most reputable car warranty companies offer perks and benefits to customers that go beyond standard vehicle protection. In addition to coverage levels and contracts for almost any car or driver, CARCHEX provides the following perks:
24/7 roadside assistance
Trip interruption coverage
Rental car reimbursement
Car lockout services
Your choice of any licensed repair facility
Free SiriusXM for eligible vehicles
CARCHEX Warranty Exclusions
Even though some protection plans promise repairs for hundreds of components, each extended warranty has its exceptions. Here are a few items typically not covered under a warranty contract:
Wear and tear items such as windshield wiper blades and brake pads
Regular maintenance such as oil changes and tire rotations
Damage from owner abuse or neglect
Damage from car accidents
Damage that would be covered by your auto insurance policy
CARCHEX Coverage Upgrades
In addition to its standard protection plans, CARCHEX offers a number of coverage upgrades. The add-ons below come with more specialized coverage:
Emissions component package
Commercial use option
Luxury electronics package
Navigation system coverage
Key replacement coverage
Raise the market labor rate coverage limit
Windshield repair coverage
Reducing deductible option
CARCHEX Sample Contracts
If you want to take a closer look at CARCHEX warranty plans, the company offers several sample contracts on its website. Here’s one example of a warranty contract:
How Does CARCHEX Work?
CARCHEX extended warranty plans are easy to purchase. You can get an instant quote on the company’s website or call its customer service line during business hours. When our team called the warranty provider, we were on hold for only a minute and the entire call lasted 10 minutes. There was no pressure to purchase a plan over the phone.
CARCHEX reviews mention an easy and efficient claims process. You can call the company to file a claim or take your vehicle to the nearest dealership or ASE-certified repair facility. If your car repairs are covered under warranty, CARCHEX will pay repair costs directly to the shop.
How To File a Claim With CARCHEX
If your vehicle needs service while you’re under a CARCHEX warranty plan, filing a claim is fairly simple. Here are the steps you’ll need to take:
Consult your warranty documents and confirm that the needed repair work is covered under contract.
Take the car to your preferred repair shop for a diagnosis and service. You can choose from over 30,000 approved repair centers.
When all work is done, the shop will receive an authorization number for the covered repairs. Once this happens, CARCHEX will pay the shop directly.
If you need to file a claim, it’s important to remember that CARCHEX is a broker and not a direct provider of warranty services. Your warranty will actually be administered by a partner of CARCHEX.
Here are the claims phone numbers for each partner. Consult your warranty documents if you don’t know who your administrator is.
CARCHEX Warranty Administrator
American Auto Shield
American Guardian Warranty Services
Enterprise Financial Group
National Administration Services Co.
Royal Administration Services
The Warranty Group
How To Cancel a CARCHEX Warranty
You can cancel a CARCHEX warranty at any time during your contract. If you cancel within the first 30 days of your contract, you’ll get a full refund. Canceling after the 30-day period means you’ll receive a prorated refund based on the time remaining on the contract.
Note that you can’t do this through CARCHEX. Instead, you’ll need to mail or fax a notarized odometer statement and a written cancellation request to your administrator. This could be any of the providers listed above in the claims number section and it should be listed in your contract.
Is CARCHEX Legitimate?
CARCHEX is one of the oldest and most well-known extended warranty providers in the industry. The company has more than enough options to provide drivers with coverage that fits their needs and budget.
The five comprehensive coverage plans CARCHEX offers provide extra protection against expensive repairs, especially for high-mileage vehicles. That kind of coverage can offer owners of older cars with peace of mind on the road.
Is CARCHEX Worth It?
Based on our research, the cost of a CARCHEX warranty is worth it for many drivers, especially for those with used cars. It could also be worthwhile for those who drive often to make sure they have peace of mind behind the wheel. Warranty protection can help you avoid surprise repair bills, especially if you’d have a hard time finding the cash to cover them otherwise.
CARCHEX offers several driver benefits along with affordable prices. Combined with its sterling reputation within the warranty industry, we think CARCHEX is a fantastic option as an extended warranty provider.
While CARCHEX isn’t our number one choice among extended warranty providers, it comes close. Our review team appreciates the company’s generous coverage plans, exceptional industry reputation, and availability in California. However, its customer service record is somewhat spotty and CARCHEX prices are often pretty standard.
CARCHEX Warranty Competitors: Top Picks
Even if you’re fairly confident that an extended car warranty from CARCHEX is right for your vehicle, it’s best to consider your options. We recommend getting free quotes from two other reputable extended car warranty companies as well: Endurance and CarShield.
Endurance: Best Overall
Endurance stands out by operating as a direct warranty provider, meaning the company offers and administers its own contracts. Endurance has six comprehensive vehicle service plans which range from exclusionary bumper-to-bumper coverage to basic powertrain warranties. Each plan comes with rental car reimbursement, trip interruption coverage, and roadside assistance.
Endurance warranty reviews are positive for a company of its size. The warranty provider holds a 3.7-star rating out of 5.0 on Trustpilot and a 3.7-star BBB rating.
CarShield is one of the most popular extended warranty providers in the industry. The company says it has sold more than 1 million contracts since its founding in 2005. CarShield offers six types of coverage, including plans dedicated to specialty vehicles. Plans are available for purchase in every state except California.
CarShield has average customer reviews. The company holds a 4.0-star rating out of 5.0 on Trustpilot but only a 1.3-star rating on the BBB. CarShield has closed over 3,400 complaints in the past three years, which is a high number. However, our research shows that CarShield is one of the most popular extended warranty providers on the market and that these complaints make up a small percentage of its customer base.
CARCHEX is a well-regarded extended auto warranty provider. CARCHEX reviews show positive customer satisfaction ratings, and the company is also backed by industry experts such as CARFAX, Kelley Blue Book, and Edmunds.com.
Is CARCHEX the same as CarShield?
While both companies work in the aftermarket auto industry, CARCHEX and CarShield are separate businesses.
Are CARCHEX protection plans insured?
CARCHEX extended vehicle protection plans are backed by reputable insurance companies, so you can feel confident in your extended warranty.
Who has the best extended warranty?
Our research team found that independent warranty providers such as Endurance, CARCHEX, CarShield, and Protect My Car can be good choices due to their coverage levels and reputations for service. Ultimately, the best extended warranty company depends on your needs and budget.
How do you cancel a CARCHEX warranty?
To cancel a CARCHEX warranty, you must get in touch with CARCHEX customer service and submit an official cancellation form. If you choose to cancel the policy within 30 days, you’ll get a full refund. After 30 days, you can usually get a prorated amount back on your warranty depending on how long was left on the contract.
What is the CARCHEX claims number?
If you need to file a claim, the CARCHEX claims phone number is 877-227-2439 (877-CARCHEX). You can call this number 24/7 to file a claim or speak with customer service.
Is CARCHEX better than Endurance?
CARCHEX and Endurance both performed well in our study of the best extended warranty providers. However, Endurance scored slightly higher than CARCHEX and was named the provider that’s Best Overall.
Does CARCHEX cover brake pads?
CARCHEX warranty plans don’t cover brake pads since they’re wear and tear items that fall outside of your vehicle service contract. This exclusion is typical throughout the extended car warranty industry.
Does CARCHEX cover the transmission?
All CARCHEX plans except for Extra Care cover your vehicle’s transmission.
Does CARCHEX have a waiting period?
CARCHEX has a waiting period of 30 days for all of its plans. This period starts as soon as your contract begins and during it, you won’t be able to use coverage.
Does CARCHEX have a deductible?
CARCHEX plans have a deductible which you can set at $0, $50, $100, or $200. The lower you set your deductible, the more you’ll have to pay for a CARCHEX warranty.
Is CARCHEX a broker?
CARCHEX is a broker of extended car warranty plans. While you purchase the plan through CARCHEX, warranty services will be provided by a third-party administrator.
Can you cancel CARCHEX anytime?
You can cancel a CARCHEX coverage plan at any time. If you cancel your plan within 30 days of starting the contract, you’ll receive a full refund. After this period, the refund will be prorated if you’re entitled to one.
Our expert review team takes satisfaction in providing accurate and unbiased information. We identified the following rating categories based on consumer survey data and conducted extensive research to formulate rankings of the best extended auto warranty providers.
Affordability: A variety of factors influence cost, so it can be difficult to compare quotes between providers. Our team performs ongoing secret shopper analyses for different vehicles, mileages, warranty plans, and locations to give this rating.
Coverage: Because each consumer has unique needs, it’s essential that a car warranty company offers an array of coverage options. We take into account the number of plans offered by each provider, term limits, exclusions, and additional benefits.
Industry standing: Our team considers Better Business Bureau (BBB) ratings, availability, and years in business when giving this score.
Customer service: Reputable extended car warranty companies operate with a certain degree of care for consumers. We take into account customer reviews, BBB complaints, and the responsiveness of the customer service team.