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Most dealership warranties expire well before your odometer reaches the 100,000-mile mark. 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.
Below, we break down reputable options for buying an extended warranty on a car over 100k miles, including our top pick: Endurance.
What Are The Most Reputable Extended Car Warranty Companies?
There are many 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.
Extended Warranties for Cars Over 100k Miles: Providers and Plans
CARCHEX and Endurance specifically advertise plans meant for vehicles with more than 90,000 miles.
Select Premier Coverage
Vehicles up to 8 years old or 200,000+ miles
Seals and gaskets
10 years or vehicles up to 250,000 miles
Vehicles up to 300,000 miles
Electronics and high-tech components
Seals, sealing boots, and gaskets
7 years or vehicles up to 150,000 miles
Fuel delivery system
Vehicles up to 185,000 miles
Customer service can be just as important as warranty coverage. You want a contract with an extended car warranty company that is transparent, responsive, and trustworthy.
In our research, we considered factors like customer service hours, money-back guarantees, Better Business Bureau (BBB) ratings, and customer reviews to provide a customer experience rating for each of the companies offering the best extended warranties 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 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 read the provider’s contract for full coverage details.
What Should Your Extended Car Warranty Include?
Don’t choose an extended warranty for a car over 100k miles 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. Extended coverage is likely worth it if the warranty cost is less than the expected cost of repairs.
Whether you have a new car or a used car, coverage is key. There are two main types of coverage:
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:
There’s no guarantee every part of your car’s engine or drivetrain will be covered, but many warranty companies offer more extensive coverage under more expensive plans.
If you’re worried your old car will have mechanical breakdowns, then a bumper-to-bumper warranty is the best type of extended warranty for cars over 100,000 miles. These plans are similar to manufacturer warranties on new vehicles and offer the most comprehensive coverage of extended warranty plans.
While it won’t cover every part of the car, a bumper-to-bumper warranty can cover other important components of your braking and electronic systems, usually with only a few exclusions. For a higher price, it can also cover these items:
Some extended auto warranties will have a 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.
What Won’t An Extended Warranty Cover?
Depending on the warranty option you choose, your service plan might cover just about everything in your vehicle. But there are some things warranties won’t cover. These include:
Regular maintenance such as oil changes
Wear and tear items like brake pads and windshield wipers
Automotive repairs resulting from misuse or lack of maintenance
Which Provider Do We Recommend For High-Mileage Cars?
Endurance wins our vote for Best Overall. Its EnduranceAdvantage™ plan is its highest level of coverage and can cover vehicles over 200,000 miles. The company has affordable plans and a good reputation within the industry.
CARCHEX, which we rated Best for Used Cars, is another good option for cars with more than 100k miles. In addition, CarShield also offers quality coverage for high-mileage vehicles.
Endurance – Best Overall
Endurance is our team’s choice for Best Overall among the providers in our study. But the company is also a good choice for extended warranties for cars over 100k miles, especially as the car warranty provider fulfills all plans directly.
15 years of experience
Six available warranty plans
Covers cars with up to 200,000+ miles
Endurance Warranty Plans
Best Extended Car Warranty For
Type of Coverage
New, high-tech, commercial, or hybrid vehicles
Drivers who want comprehensive coverage
Highest level of stated-component coverage
Drivers who need coverage soon
Powertrain plus coverage with the shortest waiting period
Drivers of high-mileage vehicles
Specifically-designed powertrain plus coverage for older cars with lots of miles on them
Drivers on a budget
Most affordable powertrain coverage plan
Both extended warranty and maintenance coverage
High-level stated-component coverage plus regularly scheduled maintenance services like oil changes
Select Premier – Best Endurance Extended Warranty for Cars Over 100k Miles
We selected the Select Premier plan as our choice for Endurance’s best extended warranty for cars over 100k miles. This stated component plan is available for cars with up to 150,000 miles. Endurance designed the Select Premier plan to protect critical components like the engine and transmission as well as other important systems like steering and electrical.
Here are the components covered under the Endurance Select Premier plan:
EnduranceAdvantage – Good Maintenance Plan For High-Mileage Cars
Endurance also offers a maintenance plan for cars with over 100k miles called EnduranceAdvantage. With this plan, you get coverage for regular maintenance services that keep your car in good running condition.
These plans are split into three tiers: Prime, Plus, and Preferred. Any of these plans can cover a high-mileage car, but the Prime plan is available for vehicles regardless of mileage when the contract starts.
EnduranceAdvantage Covered Services
Each plan differs in terms of the components it covers, but all of them cover the same regular maintenance items, including:
Engine diagnostic exams
EnduranceAdvantage plans also cover several one-time maintenance services, such as:
Brake pad replacement
Cooling system maintenance
Front or rear wiper blade replacement
One scheduled service coverage
Each plan comes with 24/7 roadside assistance, trip interruption coverage, and rental car reimbursement. In addition to component coverage, you’ll receive these perks with a one-year Endurance Elite Benefits membership:
Total loss protection: You can get up to $1,000 toward a replacement vehicle.
Collision discount: You can receive up to $500 per covered collision ($1,000 limit).
Key fob replacement: If you lose or break your key fob, you can get up to $500 toward the replacement.
Tire repair or replacement: You can get up to two tires repaired or replaced per year if they’re damaged due to road hazards ($125 per tire).
Industry veteran that handles your plan directly, from quote to claim
CARCHEX – Best For Used Cars
CARCHEX is one of the industry’s longest-running extended warranty providers. The company is known for providing quality vehicle protection plans for vehicles with over 100,000 miles.
21 warranty plans
22 years of experience
Covers cars with up to 250,000 miles
Endorsed by CARFAX, The Motoring Club, Kelley Blue Book, Edmunds, and more
CARCHEX Warranty Plans
CARCHEX Warranty Plans
CARCHEX’s 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 CARCHEX’s highest level of coverage is Platinum coverage. This contract still offers state component coverage for hundreds of repairs including major vehicle systems.
Intended for vehicles over 60,000 miles, Gold coverage handles powertrain systems and items like brakes, suspension, and steering.
Silver coverage includes the fuel systems, alternator, electrical systems, air conditioning, and seals along with the powertrain.
CARCHEX’s basic, most barebones protection plan includes powertrain coverage and repairs for seals and gaskets within the engine and drive axle.
Gold – Best CARCHEX Extended Warranty For Cars Over 100k Miles
Our team chose the CARCHEX Gold plan as the company’s high-mileage warranty. This plan allows you to cover your car for up to 10 years. The Gold plan offers listed component coverage for the following parts:
Seals and gaskets for covered parts
CARCHEX Gold Plan Options
If you purchase a Gold plan from CARCHEX, you’ll have a few upgrade options to choose from. These include:
Emissions Package: Covers many of your car’s fuel and air sensors in its emissions system
Luxury Electronics Package: Covers higher-end electronic components such as LCD screens, navigation systems, and sunroof motors.
Market Labor Rate Option: Removes the labor rate cap of $100-per-hour that usually accompanies this plan.
In addition to component coverage, you’ll receive these perks:
Battery jump service: An old battery can be given a boost or jump start.
Tow service: Receive up to $100 for your car to be towed to the nearest repair facility.
Rental car reimbursement: Get reimbursed (within a dollar limit) for a rental while your vehicle is being repaired.
Trip interruption service: You can receive reimbursements of up to $300 for accommodations and food if your vehicle breaks down more than 100 miles from your home.
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.
Roadside assistance: Older cars are more likely to experience mechanical breakdowns. In the event you’re stuck, you’ll get immediate assistance at any time of the day for free with your coverage plan.
Top-rated provider with unmatched customer service and affordable coverage
CarShield – Most Affordable
CarShield offers coverage for vehicles up to 300,000 miles. That means the company is certainly a viable option if you’re looking for an extended warranty for cars over 100k miles. CarShield is also the most popular provider in our study, owing in part to its competitive pricing on coverage.
Six warranty options
More than 16 years of extended warranty experience
Covers cars up to 300,000 miles
Offers month-to-month coverage
CarShield Warranty Plans
Type of Coverage
New cars that will be kept for a longer period of time
Bumper-to-bumper coverage with few exclusions
Protection for most of your car’s vital parts
Drivers of unreliable cars liable to have hefty repair bills
Powertrain plus coverage
Drivers on a budget
Drivers of high-tech vehicles
Specialty plan for alternator, engine control module, electrical components
Motorcycle & ATV
Drivers of specialty vehicles
Platinum or Silver coverage
Gold – Best CarShield Extended Warranty for Cars Over 100k Miles
Our team selected the Gold plan as CarShield’s best warranty plan for high-mileage vehicles. This plan offers stated-component coverage for vehicles well beyond 100,000 miles on the odometer.
The Gold plan covers the following components:
Cooling system (including the water pump)
Seals and gaskets for covered repairs
CarShield plans come with several benefits that may come in handy for cars over 100k miles, when the chance of a mechanical breakdown is much higher. Each CarShield plan includes the following benefits:
Trip interruption reimbursement
Rental car reimbursement
Can Your Car Go The Distance?
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?
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% of these SUVs had over 200,000 miles, and 0.2% had over 300,000 miles. According to RepairPal, the Toyota Sequoia has an average annual maintenance and repair cost of $642, which is 5th out of 14 for full-size SUVs. We drove the 2018 Toyota Sequoia TRD Sport in 2018 and gave it a 91% grade.
Make & Model: Ford Expedition
Durability: The iSeeCars.com report found 5.4% of Ford Expeditions had more than 200,000 miles. According to RepairPal, the average annual maintenance and repair cost is $861, which is about 10% more expensive than RepairPal’s average of $784.
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 its 2019 “Built to Crumble” list, noting electrical system, engine, and brake issues. The 2018 model has had 14 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 compared to other cars.
Our Take: Should You Get an Extended Warranty For Cars Over 100k Miles?
Not all extended warranties for high-mileage cars are worth what you pay for them. And depending on your vehicle and personal situation, you might not need one. However, for many drivers, a service contract can offer major benefits.
Here are a few cases in which you should consider getting an extended warranty for a car with over 100k miles:
Projected repair costs are higher than warranty costs: Sites like RepairPal can help you estimate the average cost of repairs for your vehicle. If the average repair costs for your car exceed the cost of coverage, it could be a smart financial move.
You prefer to spread out big expenses: Some people prefer spreading out major expenses like car repairs over many months rather than paying all at once. An extended warranty can help you take this approach.
You want to increase your car’s resale value: Most third-party warranties can transfer with the vehicle if you sell it. This can add value to your vehicle and help it stand out in a competitive used car market.
You don’t like surprises: One of the main reasons people purchase an extended warranty, especially for higher-mileage vehicles, is for peace of mind. With older vehicles, breakdowns are much more likely to happen. A warranty can help you be prepared for that situation so you don’t get caught off-guard with huge surprise repair bills.
If you decide that a service plan is the right choice, make sure to stick with reputable extended car warranty companies. The right companies offer valuable coverage with strong customer service. Other companies may only offer frustration.
Whatever you decide, be sure to get quotes from multiple warranty providers. That way, you can compare offers to find the best coverage at the best price.
What is the cost of an extended auto warranty?
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 multiple 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.
Does AAA offer extended auto warranties?
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.
What is the CarShield mileage limit for extended warranty coverage?
The mileage limit for CarShield’s Platinum plan is 300,000 miles for most vehicles, making it a viable provider for extended warranties for cars over 100k miles.
What happens when a car reaches maximum mileage?
Cars do not have a “maximum mileage.” If you continue to replace components as they wear out, a car could theoretically last forever. However, cars typically start to need more frequent repairs after 100k miles. At some point, repairs and upkeep may cost more than the car is worth.
How can I reach Protect My Car customer service?
If you need to reach Protect My Car customer service, the easiest way might be to call its toll-free customer service line at 888-964-6754 and speak to a team member directly.
Does a CarShield warranty cover the water pump?
Yes. CarShield offers four plans that cover your vehicle’s water pump: Diamond, Platinum, Gold, and Silver.
Featured Extended Warranty Companies
We reviewed the best extended auto warranty providers, and here are our top picks.
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.