Extended auto warranties can help you better predict the costs of owning a car and bring financial peace of mind.
Not all extended warranty providers are trustworthy, so it’s important to know how to pick a reputable extended car warranty company and avoid scams.
Endurance topped our list of the most reputable extended car warranty companies for 2022.
Affiliate disclosure: Automoblog and its partners may be compensated when you purchase the products below.
An extended car warranty should bring you peace of mind – predictable prices, a helpline when your car breaks down, and hassle-free visits to auto repair shops. But not all extended warranty companies are created equal, and only the most reputable extended car warranty companies are worth your time and money.
We’ve compared some of the best extended car warranty companies in the industry and found the six most reliable ones. It’s a good idea to check costs from a few companies to compare your options before purchasing, and this list will help you narrow down the providers you can trust.
What Makes An Extended Warranty Company Reputable?
A reputable extended car warranty company can provide you with valuable, easy-to-use coverage. Unfortunately, not all vehicle service contract providers are a good value or are trustworthy. But there are a few criteria you can use to judge whether or not a warranty provider is one that you can depend on.
Strong customer satisfaction ratings
You can find customer review scores for warranty companies on Trustpilot, Google, and the Better Business Bureau (BBB) website, just to name a few. No one website is going to give you the full picture, so it’s best to read reviews across multiple sites. For example, we noticed that customer review scores tend to be lower on the BBB because customers go to this site looking to resolve an issue.
A reputable warranty provider will have lots of favorable reviews. Look for mentions of an easy claims process and supportive representatives as signs that the company will be there for you when you need them.
And while a few bad reviews are to be expected for any company, watch out for patterns in complaints. If you see more than a few negative reviews that consistently mention bad business practices such as scam calling after requesting a quote, it could be a legitimate problem.
Positive industry reputation
Industry rating organizations can give you insight into how other professionals see a company. We look closely at how the BBB and financial analyst AM Best rate warranty companies.
A company’s BBB rating reflects how well it handles customer complaints. A low rating indicates that a company is responsive and effective in resolving issues. If a company has a low rating it means they haven’t done a good job of dealing with complaints. The BBB offers an explanation of a company’s rating if you click the text “reasons for rating” under the grade.
AM Best assesses companies’ financial strength in the form of a letter grade. We take a look at the underwriters warranty companies use to service claims on their contracts. Their AM Best grade tells us whether the underwriter is in good enough financial shape to guarantee claims payouts
Ease of use
You want to be able to easily use your coverage when you need it. That is, after all, why you bought it. But not every company makes it simple to use your coverage. Customer reviews can give you an idea of how easy a company is to work with and how quickly they settle claims.
Whether or not a company pays vehicle repair shops directly is also an important consideration. Some providers will cut a check to the facility, meaning you’ll only be responsible for the deductible if you have one. But others reimburse you after you’ve paid the bill yourself.
Claims denials are one of the most common issues in the warranty industry. While reputable extended car warranty companies make it clear what is and isn’t covered, others hide key details in the fine print of your contract, such as part specifications and the length of your waiting period.
So while you should always read every contract in its entirety before signing, look for companies that make their business practices and their coverage clear and easy to understand.
Long-standing company history
As the market for vehicle service contracts grows, so does the number of providers. While there are certainly some excellent car warranty companies that have jumped in in the last few years, there are also plenty just looking to make a quick buck.
If a company has been around for a while, it’s a good sign that it has served customers well and isn’t a ripoff. Newer companies might be a great option but may require a little more scrutiny in other areas.
Features of a Reputable Extended Car Warranty Company
Vehicle service contracts are a big purchase. You want to know that you can trust the provider you sign up with. Here are some features that the most reputable extended car warranty companies tend to have in common:
Availability in most states
Several years in business
30-day money-back guarantee (or longer)
Positive online interactions with customers
Plans backed by reliable insurance companies
Excellent customer service that’s easy to contact
Sample vehicle service contracts provided online
Endorsements and partnerships from industry leaders
High rating and accreditation from the BBB and other sites
Extra perks like 24/7 roadside assistance, towing, fuel delivery, rental car reimbursement, trip interruption coverage, and access to a large number of repair facilities
Our Picks for the Most Reputable Extended Car Warranty Companies
Extended warranties can help you save money in the event of a mechanical breakdown. However, it can be difficult to know which companies to trust with your hard-earned money.
Our team has reviewed numerous warranty providers and compiled a list of our top picks for the most reputable extended car warranty companies.
Maximum mileage limit: 200,000+ miles Availability: All states except California Benefits: Roadside assistance, rental car reimbursement, and Endurance Elite Benefits
What We Like About Endurance
Endurance stands out from the competition as a direct supplier. When you purchase an extended auto warranty through Endurance, it is the only company you’ll deal with. While other providers may outsource their service teams or underwriting, Endurance administers its warranty to drivers directly. This means there are no middlemen in your claims process or other customer service interactions.
Endurance Extended Warranty Plans
Endurance has six coverage levels to choose from:
Supreme: This is Endurance’s highest level of coverage. The Supreme plan is exclusionary, which means it covers all vehicle parts except for a list of exclusions stated in your contract. Exclusions include wear-and-tear items like bulbs, fuses, wiper blades, brake pads, and brake shoes. It’s most similar to a manufacturer’s warranty.
Superior: The Superior plan offers stated-component coverage for hundreds of specified parts. It includes your car’s most vital components like the engine and transmission, as well as high-tech parts like the navigation system.
Select Premier: This plan is designed for high-mileage vehicles (over 150,000 miles). It includes powertrain coverage, as well as air conditioning and electrical parts.
Secure Plus: This warranty covers most powertrain parts, as well as air conditioning, steering, electrical components, and more.
Secure: Endurance’s most basic level of coverage, the Secure plan only covers powertrain components like the engine, transmission, and drive axles.
Advantage: The EnduranceAdvantageTM plan provides coverage for all types of vehicles, including modified cars and salvaged or rebuilt vehicles. In addition to component coverage, Advantage plans include scheduled maintenance for things like oil changes and tire rotations. With the Advantage plan, you can choose from three levels of component coverage: Prime, Plus, and Preferred. The coverage in these levels roughly corresponds to the Secure Plus, Superior, and Supreme plans, respectively.
Endurance Warranty Benefits
Each plan comes with 24/7 roadside assistance, rental car reimbursement, and trip interruption coverage. Drivers also get access to Endurance Elite Benefits, which come free for one year and include:
Key fob repair or replacement up to $500
Repair or replacement of up to two tires per year (up to $125 per tire)
Up to $500 per covered collision ($1,000 limit)
Up to $1,000 toward a new vehicle if your car is totaled
Endurance Warranty Cost
Our research found that Endurance warranty plans cost between $2,500 to $3,900. That works out to about $90 to $105 per month on average, depending on your vehicle and the coverage options you choose.
Endurance Ratings and Reviews
After 15 years in business, Endurance knows about extended warranties. Its customers seem to approve of its coverage, too, as it boasts an “Excellent” rating on Trustpilot. That puts it at the top of its class among the most reputable extended car warranty companies in the industry.
Although it currently has a C rating from the Better Business Bureau (BBB) due to prior aggressive marketing tactics, the company has a 3.4 out of 5.0-star customer rating with over 1,100 Endurance warranty reviews. The company’s strong track record with customer service, its first-year customer perks, and a variety of plan options make it a solid choice for those who value a direct provider.
Industry veteran that handles your plan directly, from quote to claim
#2 CARCHEX: Best for Used Cars
Maximum mileage limit: 250,000 miles Availability: All 50 states Benefits: Roadside assistance, rental car reimbursement, and trip interruption
What We Like About CARCHEX
Driving an older car doesn’t have to cut extended warranties out of the picture. Even if your car’s factory warranty is in the rearview mirror, CARCHEX might be able to help you get coverage.
In our CARCHEX review, the company earned the title of Best for Used Cars because it offers the highest-mileage warranty of all the companies we compared. With coverage for cars with up to 250,000 miles, there’s a good chance that your older or used car could qualify for coverage under a CARCHEX plan. The company’s vehicle protection plans are available in all 50 states, which can’t be said about most other extended car warranty providers.
CARCHEX Extended Warranty Plans
Coverage options with CARCHEX include:
Titanium: This is the highest level of coverage offered by CARCHEX. The Titanium plan is similar to a bumper-to-bumper factory warranty and covers most vehicle parts, with some exceptions that will be listed in your contract.
Platinum: This plan covers hundreds of components, including all major vehicle systems. It’s a slight step below the Titanium plan.
Gold: The Gold plan is designed to provide comprehensive coverage for high-mileage vehicles (over 60,000 miles). It covers most major systems.
Silver: A step above the lower-tier Bronze plan, this covers your vehicle’s powertrain components as well as the air conditioning and select electrical components.
Bronze: This is the most basic and affordable level of CARCHEX coverage. It covers only powertrain components such as the engine, transmission, drive axles, and transfer case.
CARCHEX Warranty Cost
Our research revealed that CARCHEX plans cost around $3,000 on average. Monthly payments range from $100 to $160 per month, depending on the payment schedule. These range from 18 to 24 months.
CARCHEX Ratings and Reviews
When it comes to business practices, CARCHEX ticks all the boxes. It is accredited by the BBB with an A+ rating, and it has been in business for 22 years, making it the oldest company on our list. Industry giants like Kelley Blue Book, Edmunds.com, and CARFAX endorse CARCHEX, too. With its background and generous mileage limits, we feel confident that you can trust CARCHEX as one of the most reputable extended car warranty companies.
Top-rated provider with excellent protection for high-mileage vehicles
#3 Protect My Car: Best Maintenance Benefits
Maximum mileage limit: 125,000 miles Availability: All states except Alaska, California, Hawaii, Missouri, Oklahoma, and Washington Benefits: Roadside assistance, rental car reimbursement, and trip interruption
What We Like About Protect My Car
Extended warranties typically cover repairs for parts based on the plan you select. But when it comes to regular maintenance, you’ll still foot the bill. Few extended warranty companies include maintenance, but Protect My Car includes oil changes and tire rotations in extended warranty coverage and offers separate maintenance plans.
Protect My Car Extended Warranty Plans
Protect My Car service plan options include:
Supreme: This plan provides exclusionary coverage for most vehicle parts. It is similar to a manufacturer’s new vehicle warranty.
Select: This is a plan designed for vehicles with more than 50,000 miles. It covers many parts, but not the turbocharger or navigation system.
Driveline: This is a powertrain warranty for vehicles with more than 80,000 miles. It covers powertrain components such as the engine and transmission. This plan also covers the cooling system, air conditioning, electrical system, and timing chain.
Ambassador Plans: Ambassador plans are intended for older vehicles and cover 50%–75% of most major repairs. These plans also include coverage for scheduled maintenance like tire rotations and oil changes.
Protect My Car Ratings and Reviews
This is a big plus for Protect My Car that’s sure to win over many drivers. Based on Protect My Car reviews, the company’s customers seem mostly happy with their plans. Protect My Car has an A+ from the BBB and holds a 4.5 out of 5.0-star customer rating on the site with over 600 reviews. Trustpilot has over 2,000 reviews that result in a 4.5 out of 5.0-star grade.
Its Ambassador Maintenance Plan guarantees 25-50% off repairs plus covered oil changes
#4 Carshield: Most Affordable
Maximum mileage limit: 300,000 miles Availability: All states except California Benefits: Roadside assistance, rental car reimbursement, and trip interruption
What We Like About CARCHEX
Car owners look to extended car warranties as a way to cut down on costly repair bills and add predictability to their monthly budgets. We found in our CarShield review that the company is one of the most affordable options on the market.
CarShield doesn’t skimp on extended car warranty plans just because it has low prices. There are six levels of coverage to choose from, such as bumper-to-bumper warranty and powertrain plans, high-tech coverage, and specialty coverage for all-terrain vehicles and motorcycles.
CarShield Extended Warranty Plans
CarShield sells warranty plans administered by other companies such as American Auto Shield. The company’s coverage levels include:
Diamond: This plan is most similar to a manufacturer’s bumper-to-bumper warranty. It covers the majority of vehicle parts, with typical exclusions for wear-and-tear components such as wiper blades, brake pads, fuses, and bulbs.
Platinum: This plan protects your vehicle’s engine, transmission, air conditioning, electrical system, starter, water pump, fuel pump, and more. It is designed for vehicles too old to qualify for Diamond coverage.
Gold: The Gold plan is a mid-level plan offering good all-around coverage for major parts. Parts covered include the engine, transmission, water pump, alternator, starter, air conditioning, and power windows.
Silver: The most affordable plan offered by CarShield, it covers all lubricated parts on your engine, transmission, and water pump.
Aluminum: This is a specialty coverage plan for electrical and computer parts such as the engine control module, starter, alternator, navigation, and electrical system.
Motorcycle and ATV: In addition to the options mentioned above, CarShield offers specialty contracts to cover motorcycles and ATVs.
CarShield Warranty Cost
Based on the quotes we received CarShield is not expensive. In fact, at a range of $89 to $130 per month, CarShield service contracts are some of the least expensive on the market.
CarShield Ratings and Reviews
While CarShield’s BBB grade is low, many companies choose to not address complaints or pay for accreditation on the site. The company has thousands of reviews on Trustpilot and Google, with 4.0 out of 5.0 stars on the former and 4.1 out of 5.0 stars on the latter.
Well-known provider that offers great coverage with great pricing
#5 autopom!: Best Customer Service
Maximum mileage limit: 150,000 miles Availability: 50 states Benefits: Roadside assistance, rental car reimbursement, and trip interruption, plus tire protection on some plans
What We Like About autopom!
An extended warranty can be a hassle if you don’t get a great customer service team to support you during the claims process. Fortunately, autopom! is known for its amazing customer service representatives who advocate for customers who feel their car repair claims were unjustly rejected.
autopom! Extended Warranty Plans
With autopom!, there are four levels of coverage:
Exclusionary: This plan covers virtually all mechanical and electrical components in your vehicle. There is a short list of exclusions for items such as wiper blades, upholstery, brake pads, bumpers, trim, and bulbs.
High-Level: This plan covers a wide range of parts, such as the powertrain, steering, suspension, braking, air conditioning, cooling, fuel, and electrical systems.
Mid-Level: This plan covers many vehicle parts, including the powertrain, steering, braking, air conditioning, and electrical system.
Powertrain Plus: The most affordable and basic level of coverage, this plan covers vital components such as the engine, transmission, drive axle, and air conditioning.
autopom! Warranty Cost
Based on the quotes our team received, autopom! extended warranties cost between $2,600 and $3,800, depending on the vehicle and coverage levels. This works out to between around $100 and $135 when split into monthly payments.
autopom! Ratings and Reviews
The success of this approach shows in autopom! reviews on Trustpilot and the BBB, on which autopom! also has an A+ rating and accreditation. Even though autopom! has only been around for 11 years, it has proven in that time to be a reputable extended car warranty company.
Trusted provider with unmatched customer service and affordable coverage
#6 Olive: Best Online Warranty
Maximum mileage limit: 185,000 miles Availability: 50 states Benefits: Towing reimbursement, rental car reimbursement
What We Like About Olive
Olive.com is a newcomer to the extended warranty industry and began by offering California drivers mechanical breakdown insurance in 2021. Even though it’s brand new, the company’s fresh approach and unique perks place it among the industry’s most reputable extended car warranty companies already.
There are a couple things that set Olive apart. First, the company’s website is user-friendly, presenting clear information about warranty plans and how to sign up for one. But the main advantage Olive has over its competitors is its subscription-based billing system. This system allows customers to cancel their warranty plans at any time.
Olive Extended Warranty Plans
Here are the three levels of coverage Olive offers:
Complete Care: Olive’s highest level of coverage offers comprehensive, exclusionary coverage for your vehicle. It’s similar to bumper-to-bumper coverage.
Powertrain Plus: This plan covers the same major systems as the powertrain plan along with many additional stated components, such as the fuel pump.
Powertrain: Olive’s most basic coverage plan protects your car’s drivetrain and most important – and most expensive – major systems.
Olive Warranty Cost
Olive warranties vary greatly in terms of cost due to differences in vehicles and coverage levels. Plans with Olive range from around $650 to nearly $5,500 in total. That translates to a range of around $20 to around $85 per month.
Olive Ratings and Reviews
And while Olive is new, its underwriter, QBE, is an established global insurer and warranty provider that holds an A financial strength rating from AM Best. Olive also has accreditation and an A+ rating from the BBB. Customers on Google give it an impressive 4.6 out of 5.0 stars.
Subscription-based billing allows you to easily cancel your coverage whenever you need to.
How To Use An Extended Car Warranty
Reputable extended car warranty companies should walk you through the claims process when you’re buying an auto protection plan. While it may not be the same for every company, here is an overview of how repairs are typically handled:
Pick a repair facility: If you experience a mechanical breakdown for a covered component, you can take the vehicle to a repair shop within the provider’s network.
Have the vehicle assessed: A technician will diagnose the vehicle to find the faulty part. At this time, you should also give the contact information for your warranty provider.
An administrator will review the claim: After the problem is diagnosed, a claims administrator will review the claim to verify the repair is covered under your warranty plan.
Pay your deductible: If the repair is approved, you’ll then pay your deductible. Some providers offer $0 deductibles for work performed at select facilities, but most deductibles are around $100.
Of course, there are times that a warranty won’t cover a repair. Most providers don’t replace common wear-and-tear parts like windshield wipers or perform oil changes. Additionally, warranties typically do not pay for damage from an accident or anything covered by your car insurance.
Manufacturer Extended Warranty vs. Third-Party Extended Warranty
These days, many car brands offer their own extended warranty programs. Your car’s manufacturer may offer a warranty plan when you buy it. These warranty plans typically ensure that your car will be worked on by brand-certified mechanics using OEM parts. However, there is one big sticking point – most of these warranties require you to visit an official dealership for repairs.
Independent warranty providers, on the other hand, offer flexible coverage plans and let you choose when to purchase coverage. They also have larger repair networks compared to coverage from the manufacturer.
That said, there is no guarantee that all your repairs will be covered under the warranty. You also run the risk of purchasing coverage you may not use, so the choice is ultimately up to the vehicle owner.
How to Avoid Car Warranty Scams
While reputable extended car warranties offer quality, dependable coverage, not all warranty providers live up to their promise. Some companies provide coverage that’s difficult to use and others are basically just scams looking to make a quick buck. There are, however, ways you can protect yourself.
Look At Industry Ratings
Ratings from professional organizations are a good place to start investigating a company. The BBB rates companies based on how they handle complaints from customers. Their rating of a warranty company can give you a clue as to how easy a company is to work with. A poor rating from the BBB and especially any alerts are a clear sign you might want to look for another provider.
Read Customer Reviews
Other customers can be a great source of information about a company and the experience of working with them. It’s normal for companies to have a few bad reviews here and there. But a high proportion of negative reviews compared to positive ones is a red flag, as are any consistent patterns noted in negative reviews.
Avoid Warranty Phone Scams
Warranty phone scams have unfortunately hurt the reputation of even reputable extended car warranty companies in recent years. The Federal Communications Commission (FCC) reports that there are a number of ongoing car warranty scams in which someone calls a car owner to tell them their warranty is about to expire and offers to sell them coverage.
The callers often pose as employees from a reputable company and can use publicly-available information about your car to try to convince you that they are legitimate. Scammers in these calls are looking to get paid out or simply to collect more personal information.
If you want to purchase a service contract, reach out to providers yourself. Don’t trust a cold sales call over the phone.
Is an Extended Warranty Worth It?
If you’re weighing the pros and cons of extended car warranties, you should consider how long you plan on keeping your vehicle. Coverage from the automaker typically only lasts a few years. Some, like the Hyundai warranty, offer comprehensive bumper-to-bumper coverage of up to five years or 60,000 miles, but most last around three years or 36,000 miles.
Factor in your vehicle’s reliability, its most common repairs, and your personal finances. Can you afford to pay for these repairs out of pocket? Or, does a monthly payment plan that lets you budget out surprise repair costs offer peace of mind?
Bottom Line: Reputable Extended Car Warranty Companies
With so many options on the market for extended car warranties, it can be hard to know who’s the best in the business. Our team did extensive research on the best extended car warranty companies and ranked them based on industry standing, coverage, affordability, and customer service.
Endurance and CARCHEX scored the highest in our reviews, but the best company for you will depend on what kind of coverage you need and how much you want to pay. That’s why we always recommend shopping around and getting free quotes from several providers.
You can also read a comparison of these providers in our Endurance vs. CARCHEX review. However, any of our picks for the most reputable extended car warranty companies are a great place to start your search for the best coverage.
Featured Extended Warranty Companies
We reviewed the industry’s top extended auto warranty providers, and here are our featured picks.
What are the top-rated extended auto warranty companies?
Our research team identified Endurance, CARCHEX, and autopom! as great choices for extended coverage. We picked these providers because of their coverage options, cost, and customer experience. That said, the right choice for an extended warranty company will depend on the customer’s needs.
What is the average cost of an extended car warranty?
We found that the average cost of an extended car warranty ranges from $1,300 to $4,500. Factors that affect the price of an extended warranty include the vehicle, the level of coverage, and the deductible amount.
Are extended warranties worth it on used cars?
Extended car warranties are often worth it for used cars. In fact, it may be even more worthwhile to purchase an extended warranty for a used car than a new car. The older your vehicle, the more prone it becomes to unexpected breakdowns. An extended car warranty can help keep your used vehicle on the road for longer.
Can you negotiate an extended car warranty?
Some extended car warranties may be negotiable, but not all. Dealership warranties are typically negotiable, and even third-party providers may give you different quotes each time you call.
CARCHEX, however, does not have negotiable contracts, and this is a good thing for many customers. The CARCHEX haggle-free guarantee means you are offered the lowest possible price without having to negotiate.
Can you cancel an extended car warranty?
Any reputable extended car warranty provider will allow you to cancel your contract. In most cases, contracts can be canceled for a full refund within 30 days. Even after 30 days, many providers will offer a prorated refund provided you have not filed any claims.
Is an extended car warranty worth it?
For many drivers, yes. An affordable extended car warranty can cut down on repair costs, give you peace of mind, and extend the life of your vehicle. However, if you feel more comfortable setting an auto repair budget aside, an extended car warranty may not be worth it.
Does AAA offer extended warranties?
Because the products AAA sells vary from state to state, not all AAA locations offer extended warranties. Those that do usually offer similar coverage sold by third-party warranty providers.
What is an extended warranty on a car?
An extended warranty on a car is technically a vehicle service contract. It covers the cost of repairs to some or most of the components no your vehicle, depending on the level of coverage you choose to purchase.
How much does a CARCHEX warranty cost?
Our team found that a CARCHEX warranty typically costs between $1,200 and $1,500. The cost of a CARCHEX warranty depends on a number of factors, including the make, model, year, condition, and mileage of your vehicle.
How much does an Endurance extended car warranty cost?
We found that, on average, Endurance car warranties cost between $350 and $700 per year. Factors including your car’s year, make, model, mileage, and condition affect how much an Endurance car warranty costs.
Is CarShield expensive?
CarShield’s extended warranty plans start at $99 per month, which may seem expensive. However, this can be an affordable way to manage the cost of repairs you may face with your vehicle. You can also save some money by paying for a CarShield warranty upfront.
Can you buy an extended warranty after purchase?
In some cases, you may need to purchase a manufacturer’s extended warranty when you purchase your vehicle at the dealership. However, most third-party extended car warranty providers allow you to purchase coverage at any time, with some exceptions.
How do you cancel an extended warranty on a car?
In most cases, you’ll need to take a few steps to cancel an extended warranty on a car. You’ll likely need to fill out a cancellation form and then talk to customer service to notify them of your intent to cancel your extended car warranty. In many cases, you’ll also need to mail a physical copy of your cancellation request to the company.
Is Concord Auto Protect legit?
Concord Auto Protect is a reputable extended car warranty company that offers dependable coverage. The company has especially good options for luxury cars.
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.