Carshield Reviews

CarShield Review: Cost, Coverage & More (May 2022)

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Car driving down the road
CarShield Extended Warranty Review
In Our Opinion:
In its 16 years of business, CarShield has covered over 1 million vehicles and its administrators have paid out over $1 billion in claims. What makes CarShield such a popular provider? We think it's the company's below-average prices and flexible month-to-month coverage plans.
Industry Standing
Coverage
Affordability
Customer Service
Pros
Six plans available, including those for high-tech features and speciality ATVs
Long-term and month-to-month coverage options
Covers some vehicles up to 200,000 miles
Cons
Low rating and warning of complaints from the Better Business Bureau (BBB)
Not all contracts transferable
Rental car reimbursement not always included
4.2
Most Affordable

CarShield is one of the country’s most popular independent warranty providers, offering drivers month-to-month contracts, flexible protection plans, and a range of deductibles. In our review of the best extended auto warranty companies, we gave CarShield the distinction of Most Affordable. But do CarShield reviews from customers suggest the low-cost option is the best choice?

Below, we delve into CarShield reviews, coverage options, and costs to help you determine whether a CarShield extended warranty may be right for your vehicle.

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Brand
Features
Links
  • Comparable to a new car’s manufacturer’s warranty
  • Exclusionary coverage – all systems and components of your vehicle are included except a short list of non-covered parts
  • Great option for new car owners
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  • Best for high-mileage or used cars
  • Covers your vehicle’s engine, transmission, cooling system, air conditioning, steering, brakes, electrical components, and fuel pump.
  • Stated-component coverage – each covered part is listed in the vehicle service contract
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  • Most basic and affordable powertrain plan
  • Covers your engine, transmission, water pump and drive axle
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  • Best for complete vehicle (bumper-to-bumper) coverage
  • Specialty coverage add-on for luxury vehicle owners
  • As close to the manufacturer’s warranty from a dealership as you can get
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CarShield Review

In our industry-wide review of the top warranty providers, CarShield emerged as one of the top options in the industry, earning a score of 4.2 out of 5.0 stars. The company performed especially well when it comes to affordable coverage and benefits, which is why we named CarShield “Most Affordable” in our study of best extended car warranty companies.

CarShield offers plans for cars with up to 300,000 miles and includes roadside assistance with each plan. Some coverage plans even come with rental car reimbursement.

CarShield Highlights

Founded: 2005
Headquarters: St. Peters, Missouri
Coverage Levels: 6

Our research found that CarShield offers a useful range of plans and very reasonably-priced coverage for such a reputable extended car warranty company. That’s why we named it “Most Affordable” among the providers in our study.

CarShield is technically a vehicle service contract broker, meaning it offers protection plans administered by other companies such as American Auto Shield, called obligators. This setup gives drivers a wider variety of coverage options and price points. You can even find coverage for ATVs and other alternative vehicles. 

CarShield has been featured on ESPN, CNN, HGTV, and TBS and has a number of celebrity endorsements, including one from rapper and actor Ice-T.

CarShield Pros and Cons

CarShield Pros CarShield Cons
  • Makes direct payments to repair shops
  • Coverage can be used at any ASE-certified mechanic
  • High maximum mileage limit of 300,000 miles
  • Not all plans come with rental car reimbursement
  • Relatively high number of negative reviews

CarShield Extended Warranty Costs

When we reached out to CarShield for a quote for a 2018 Toyota Camry with 28,000 miles, the total cost of CarShield’s most comprehensive protection plan was $1,794.04.

CarShield is an affordable provider compared to other extended car warranty companies. Our research team conducted a 2021 warranty survey polling 1,000 drivers, and most said they paid $1,500 to $2,500 for their vehicle service contracts.

CarShield Warranty Cost Factors

Your extended car warranty costs with CarShield will vary depending on your situation. Here are some of the main factors that affect the cost of your warranty:

  • Your car’s age, make, model, and mileage
  • Coverage plan
  • The deductible you choose

CarShield Extended Warranty Cost Estimates

We reached out to CarShield for free quotes on a few vehicles, and the company gave us the following pricing:

Vehicle Type CarShield Warranty Term Length Monthly PaymentDeductible
2018 Toyota Camry Diamond5 years/100,000 miles$83.28 for 18 months$100
2013 Honda Accord GoldUnlimited$99.99 monthly$100
2016 Chevrolet Silverado Diamond5 years/100,000 miles$129.99 monthly$100
2017 Honda CRV PlatinumUnlimited$119.99 monthly$100

With CarShield, drivers can choose from multiple deductibles, starting at $0. The company also offers monthly payment plans, so you don’t have to worry about being locked into a long-term contract.

CarShield Warranty Coverage Options

What an extended car warranty covers depends on the plan you choose. CarShield offers six coverage plans:

CarShield Warranty Details
Diamond Comparable to a new car’s manufacturer’s warranty, CarShield Diamond coverage is an exclusionary plan. This means all systems and components of your vehicle are included, except for a short list of non-covered parts.
Platinum Good for high-mileage vehicles or used cars, the Platinum plan covers certain parts of your vehicle’s engine, transmission, cooling system, air conditioning, steering, brakes, electrical components, and fuel pump. CarShield Platinum is stated-component coverage, meaning each covered part is listed in the vehicle service contract.
Gold As CarShield’s enhanced powertrain coverage, the Gold plan focuses on common powertrain components such as the engine, transmission, and drivetrain. It also includes parts such as the alternator, power window motors, and starter.
Silver The Silver plan is CarShield’s most basic (and most affordable) powertrain plan. It covers only the most important parts of your vehicle, including your engine, transmission, water pump, and drive axle.
Aluminum The Aluminum plan covers most computer-related and electrical components, including the power seat control, sensors, cruise control, electronic gauges, and LCD screens.
Motorcycle & ATV If you have a motorcycle or all-terrain vehicle that needs coverage, CarShield offers plans for specialty vehicles.

Most of CarShield’s plans allow customers to transfer coverage to subsequent owners. The process requires a $50 administrative fee, and customers cannot transfer coverage to other vehicles.

CarShield contracts can be canceled at any time.

CarShield Warranty Exclusions

Even the most comprehensive extended auto warranties have their limits. The exclusions in CarShield plans are common among almost every extended warranty provider on the market.

CarShield does not cover:

  • Parts that have been modified or altered
  • Wear-and-tear components such as brake pads and air filters
  • Damage caused by acts of nature, collision, vandalism, or lack of proper maintenance
  • Auto repairs that have been made without pre-authorization from a CarShield claims representative

CarShield Warranty Benefits

In many CarShield reviews, customers touted the company’s benefits. With CarShield warranty contracts, drivers also receive the following perks:

  • 24-hour roadside assistance with services such as fuel delivery
  • Courtesy towing for breakdowns (not included with all plans)
  • Rental car reimbursement (not included with all plans)

CarShield Sample Contracts

The more you research before you make a decision, the more likely it is that you’ll find the best coverage for you. CarShield offers sample contracts to help you get a clear understanding of what each plan does and doesn’t cover.

a sample contract to help provide context for carshield reviews

CarShield Mobile App

The CarShield Mobile app, available for Android and iOS, allows policyholders to view details of their contracts on their mobile devices. On the app, you can quickly find information for warranty claims, customer service, and roadside assistance.

CarShield Mobile has overall positive ratings from users online. The app has an average rating of 3.8 out of 5.0 stars on the Apple Store and 3.4 out of 5.0 stars on the Google Play store.

AdobeStock 82744342
CarShield includes 24-hour roadside assistance in each of its vehicle service contracts.

How Do CarShield Extended Warranties Work?

According to many of the CarShield reviews we saw, the company offers an easy process for purchasing an extended warranty. To get a quote, you can call the warranty provider directly or input your information on its website. When our team called to inquire about a quote, the hold time was less than a minute and the whole call took about 10 minutes.

How to Use a CarShield Warranty

If you have a CarShield vehicle service contract, covered repairs can be made at any dealership or repair facility certified by the National Institute for Automotive Service Excellence (ASE®).

If your repairs are covered under warranty, CarShield will pay the repair shop directly. You will only have to pay a deductible for service. More than a few of the CarShield reviews we read mentioned a smooth, easy repair and claims process, meaning you can reasonably expect the same from the provider.

How to Cancel Your CarShield Contract

You can cancel a CarShield policy at any time. However, to cancel your contract you’ll need to contact customer support directly and submit a policy cancellation notice. 

If you cancel within the first 30 days of your policy, you’ll get a full refund. After 30 days, you can get a prorated refund for the amount of time left on your policy in most cases.

CarShield Waiting Period

Like most vehicle service contract providers, CarShield plans come with a mandatory waiting period on covered repairs of 20 days and 500 miles. This helps the provider ensure that warranty coverage won’t be used on pre-existing conditions.

CarShield Warranty Transfer Policy

CarShield allows you to transfer your warranty to another owner if you sell your vehicle for a $50 fee. However, the coverage follows the vehicle. You can’t transfer your warranty to another vehicle you own or buy. Instead, you’ll have to sign up for a new policy.

CarShield Ratings and Reviews

There are thousands of online CarShield reviews from customers, most of which are positive. The company holds a rating of 4.1 out of 5.0 stars on Google, with more than 8,000 reviews. It also has 4.0 out of 5.0 stars on Trustpilot, with over 22,000 driver ratings.

Despite these positive CarShield reviews, the BBB gives the company an F rating and indicates a pattern of complaints involving pushy or misleading sales and advertising, difficulty canceling policies, and rude CarShield representatives.

There are more than 1,100 CarShield customer reviews on the BBB website, with an average rating of 1.4 out of 5.0 stars. CarShield customer service responds to many comments, and about 1,200 complaints have been closed in the past year. The complaints actually represent a small number in comparison to the more than a million contracts the provider says it has sold.

Here’s what a few customers had to say in CarShield reviews:

Positive CarShield Reviews

In many of the positive CarShield reviews we saw, customers wrote about how easy it was to use their warranty to pay for car repairs.

“I have had to use CarShield two times. Both times they responded and covered my repairs without any hassle.”

– Mary M. via BBB

“We bought a car warranty for our 2007 Impala. We were in California when the transmission went out. CarShield stepped in, got the claim approved quickly, and we were back on the road. Don’t know what we would have done without them.”

– Marion Roth via Google

Negative CarShield Reviews

Customers who reported a less-than-fulfilling experience in their CarShield reviews tended to focus on certain components not being covered under the extended warranty contract.

“Paid $121 per month, and when my car broke down, they didn’t pay a cent.”

– Lee via BBB

“I bought CarShield because of the awesome commercials. On the phone, the salesperson said that ‘anything that is not a wear item is covered, so no brake pads, no tires, etc.’ … Turns out that a lot of things are not covered. There are 10 pages of fine print.”

– Marco Borrillo via Google

Conclusion: Is A CarShield Warranty Worth It?

Our research on CarShield’s coverage options, costs, and customer service shows that CarShield could be worth it if you want to protect your vehicle in the long run. The company earned a 4.2 out of 5.0-star rating, placing it fourth among all providers. CarShield’s pricing on its warranty plans was the reason we named it “Most Affordable” among providers in our study. The company’s prices make it an especially attractive option if you’re on a tight budget and in need of a used car warranty

Although the company has received complaints, CarShield reviews are predominantly positive, and the company has a good name in the industry. Considering CarShield is one of the best extended warranty companies and says it has covered more than 1 million vehicles in 16 years, a few hundred negative comments barely make a dent in the company’s reputation.

Most Affordable Provider

Our Rating: 4.2 out of 5.0

Our Top Picks for Extended Warranty Coverage

It’s always smart to shop around for extended warranty plans to make sure you’re getting the best deal for the coverage you need. We recommend comparing free quotes from CarShield with quotes from other reputable extended car warranty companies. Below, we spotlight two of those companies: Endurance and CARCHEX.

Endurance: Best Overall

Endurance is a reputable extended car warranty provider that’s been in business since 2006. The company stands out in the vehicle protection industry for being a direct extended warranty provider rather than a broker or reseller. This means that Endurance provides and fulfills most of its plans without any outside help.

Endurance offers six levels of coverage. Each plan comes with one year of Endurance Elite Benefits, which include perks such as tire repair or replacement, a collision discount, and 24/7 roadside assistance. Endurance has solid reviews from customers, with a 4.4-star rating out of 5.0 on Trustpilot and a 3.4-star rating out of 5.0 on the BBB website.

You can find out more about the company in our Endurance warranty review.

Best Overall Provider

Our Rating: 4.6 out of 5.0

CARCHEX: Best for Used Cars

CARCHEX is a reputable third-party warranty provider offering five levels of coverage and a long list of perks, including towing coverage, 24/7 roadside assistance, and rental car reimbursement.

CARCHEX has an A+ rating from the BBB but earns just 2.1 stars out of 5.0 based on customer reviews. The warranty provider has a 3.3-star rating out of 5.0 from Trustpilot.

Read our CARCHEX review to find out more about the third-party warranty provider.

Best Provider for Used Cars

Our Rating: 4.3 out of 5.0

FAQ: CarShield Reviews

How much does CarShield cost per month?

Based on our research, the average cost of a CarShield Diamond plan for a late-2010s SUV with fewer than 50,000 miles is between $100 and $130 per month with a $100 deductible. A Gold plan for a 2013 sedan with just under 100,000 miles would also cost $130 per month with a $100 deductible.

Is CarShield worth having?

As our pick for Most Affordable third-party warranty provider, CarShield can be a good choice for drivers seeking low-cost coverage. The provider offers multiple coverage plans and month-to-month contracts, but buying any protection plan carries the risk of paying for services you may not need.

What repairs does CarShield cover?

CarShield repair coverage depends on the extended auto warranty you purchase. The provider offers basic powertrain warranty plans that cover the engine, transmission, and drive axles. CarShield also offers exclusionary bumper-to-bumper warranties that cover almost every mechanical and electrical component.

Most of the company’s protection plans provide coverage somewhere between a powertrain warranty and a bumper-to-bumper warranty.

Does CarShield cover electrical problems?

CarShield’s Platinum plan and Diamond plan both cover electrical systems. The Aluminum plan covers most electrical parts, including the starter and navigation systems.

Are extended car warranties worth it?

An extended car warranty can be worth it for owners of older vehicles who want peace of mind and want to avoid paying for unexpected repair costs out of pocket. But this depends on your needs and your vehicle. Check average repair costs on sites such as RepairPal to compare them to your extended car warranty quotes.

Does CarShield have a deductible?

With CarShield, customers can choose the deductible – as low as $0 – with their plans. However, just like with car insurance, a lower deductible means a higher premium.

What is the average cost of a CarShield warranty?

The average cost of a CarShield warranty varies based on several factors, including your vehicle’s age and mileage and the deductible and level of coverage you choose.

Does CarShield cover brakes?

Four of CarShield’s warranty plans cover the actual brakes on your vehicle. However, normal wear items like brake pads are not covered.

What is CarShield’s waiting period?

All CarShield plans come with a 20-day/500-mile waiting period before becoming active. This is to prevent the company from covering pre-existing mechanical issues.

How do you contact CarShield customer service?

To get support for your issue, you can use a form at CarShield.com to submit a request for help. If you need immediate help during business hours, you can call their customer service phone number at 1-800-974-9385. Customer service representatives are available Monday through Friday between 7:00 AM and 6:00 PM.

Is CarShield a ripoff?

Some internet complaints have attempted to label CarShield as a scam, but its warranty coverage is real and not a ripoff. While it’s true that the company does have a poor rating and a warning from the BBB, it also serves warranties to thousands of customers every year across the country. The amount of positive reviews on multiple sites also suggests that many CarShield customers are happy with their coverage.

Is CarShield mechanical breakdown insurance?

CarShield offers vehicle service contracts, which work similarly to mechanical breakdown insurance. However, mechanical breakdown insurance is sold by insurance providers and typically comes with fewer coverage options and benefits than third-party warranties.

Our Methodology

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.

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  1. I purchased my contract FROM CAR SHIELD on Jan 2019 and on Feb 2019. MY NAME IS XIOMARA lUGO FROM MIAMI FLORIDA
    CONTRACT NUMBER MFF1281294
    I had a issue with my vehicle; But being because I had just recently bought the contract I did not do a claim I handle it on my own. Now a year and a half later I need my warranty for a issue and they have denied my claim because of pre-existing condition;Which when I bought the contract there was no issue. I am a single mother with 2 small kids my only car, been paying for this warranty one year and half with no claims and they are going to deny me !! I am extremely unsatisfied with this company. Taking my money for a whole year like that and now they won’t help me fix my vehicle. “Why Do People Buy Insurances and Warranty””For When Things Happen”Now It Happened And Your Going To Deny me.
    Such a FraudUlent Company To take someone’s hard working money like that for a whole year and won’t assist them when in need!!
    I Will like a resolution to this. I will Like for my vehicle to be fixed by a warranty service that I am Paying for Monthly !
    TERRIBLE
    SUPER UNHAPPY
    FRAUDULENT WAY OF WORKING WITH PEOPLE’S HARD WORKING MONEY

  2. I’m just tired of seeing 6+ commercials every hour on 10+ different TV stations in California. If you don’t offer it here,then why do we have to put up with your bullcrap ads? & If you waste money on useless ads that agrevate viewers, I will NEVER use your services,no matter what state I live or visit.

  3. I’m am not happy with carShield. I was paying for them to help me if me van needed to be fixed ???? and I did need help with my van but they didn’t cover any of the things ???? I needed so I canceled But before that I called them and asked them if I could have my money back since they barely just took it out since I canceled the guide told me no I was not going to get any of my money back and that was that so I would not recommend this place they tell you one thing they take your money and he and they’ve taken my money for several months now and now their say and they can’t fix what’s wrong with it and I also can’t get my money back even though they does barely took it out and they did not fix anything so they could at least give me back my money but the guide told me on the phone no he was not so I give this place a 0

  4. Carshield is the biggest joke ever!! I’m not a customer my fiancé is. It’s now going on 3 weeks for the mechanic to receive Authorization to start repairing my fiancé’s vehicle. Customer service gives excuses how they’re backed up, computer problems. Really that’s not our problem. So, no rental car has been given. No Respect for they’re customer. I hate seeing the Carshield commercials. All Lies!! Not to mention the wait time Holding on the phone Ice-T Stop Representing! Oh, and Carshield Didn’t come to tow vehicle had to call a private tow! Money down the drain paying Carshield. American Auto is No Better subsidiary to Carshield.

  5. My car broke down 8/7/2020. I have been WAITING AND WAITING FOR car shield to approve my claim. I am an essential Registered nurse and can’t afford a rental car as we live paycheck to paycheck. They won’t approve a rental car until the claim is approved. Car shield is dragging their feet on this. Not happy

  6. Carshield denied my claim. I have been paying them for over a year and the first time I file a claim they would not pay for anything. I am going to call tomorrow and dispute this and if they still refuse to pay anything I am going to cancel. What is the use of having them if you have to pay out of pocket for everything. They are a ripoff don’t waist your money.

  7. We first got my policy in may 29,2020. I had the gold package where I can get everything on my truck fix. So I been paying every month faithfully with no interruptions. So my motor and transmission went out in my truck and I took it to the shop and the shop diagnose the truck and said the motor and transmission went out and it was not on my end. So when the car shop told them the mileage on the truck was incorrect from what we told them they said they not getting my truck fix’s because of they but I been paying every month so I ask can I get my money back and they said no and that’s not right.. they been taking my money every month but want get my truck fix. Just because of the mileage was wrong but the man told me who sold the car it was a 127,000 miles on it.. but the car place told them we was over 116,000 miles that I didn’t know when I got the truck.. I feel that I should got my money back I’m stuck with a truck that I can’t afford out my pocket to get fix. And need all the money I can I am on disability and it’s not right! I will be filling more complaints and getting some thing done so I can get my money back!! They are a fraud!! Don’t use them as your auto service. They don’t do nun but take your money and try to find a small reason not to fix your car. They are a scam!!!!!

  8. This is a brilliant post, thank you for sharing about car shield. We always tend to change something or the other in our house, thanks for this great advice. I love your posts always. Thanks for this wonderful content.

  9. I am a car sheild member and the owner of two contracts i have not used them so far at this time i would like to say they have answered many of my questions and i request a hard copy of my contracts i received it within seven days the key to the situation is that you have to read and study your contract it explains everything to you what is covered and what is not covered and anything that is not covered in the contract i read and study my contract all the time until i understand it and I leave in my car but it works with a dealership if notice the contract on how it is worded but always read the fine print if I don’t understand a any part of my contracts i call and ask questions about it it’s just like your car insurance you have to read your policy to see what is covered and what is not covered and what is not included in your policy the key to anything is to read read read !!! if you understand it call and ask

  10. Car shield denied my claim to replace an alternator. They have a loophole that says “If a covered component was damaged by a noncovered component, they will not pay. Roadside assistance with them isn’t good either. They charge Total $186 for a 5 mile tow. Car shield paid $75 and I paid $111. There s no suit of armor when you have to pay almost a $1000 to fix your own car. Remind me what are they good for again,? Oh yeah NOTHING.