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Toco Warranty: Reviews, Coverage, Costs and More

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Featured Extended Warranty Companies

We reviewed the best extended auto warranty providers, and here are our top picks.

Best Overall Warranty Provider

4.6

  • Coverage:: 6 plan options, from routine maintenance to full coverage
  • Cost:: Several discounts available
  • Reputation:: Smooth claims experience as a direct provider
Affordable Monthly Payment

4.5

  • Coverage:: 6 plan options, some that last up to 300,000 miles
  • Cost:: Flexible month-to-month contracts
  • Reputation:: Most popular warranty provider
Best Warranty Provider for Used Cars

4.4

  • Coverage:: 6 plan options, the highest similar to a manufacturer’s warranty
  • Cost:: No down payment required
  • Reputation:: Strong BBB (Better Business Bureau) rating

Toco Warranty plans are sold in all U.S. states except for Alaska, Missouri and Washington. In this article, we’ll break down Toco Warranty reviews, coverage options and costs to help you decide whether a Toco plan is right for your vehicle.

We’ll also give you our recommendations for the best extended car warranty companies on the market so you can see how Toco compares. You’ll need to reach out directly to find out how much a Toco vehicle protection plan would cost, but you can start getting free quotes from our highest-rated providers by clicking above.

Is a Toco Warranty Worth It?

Toco Warranty Corp. is a California-based vehicle service contract provider that has served drivers for the past seven years. Policies are available to customers across the U.S. except in Alaska, Missouri and Washington.

We like the provider’s simple plans options and easy-to-understand contracts, as well as their monthly payment options.

Overall Star Rating8.0 out of 10.0
Reputation9.0 out of 10.0
Coverage7.0 out of 10.0
Price8.0 out of 10.0
Customer Experience8.0 out of 10.0

Is it worth it? Yes, a Toco warranty is a reputable, high-quality coverage option.

Toco Extended Car Warranty Coverage

Toco offers three levels of vehicle service contracts: Blue, Yellow and Orange. Most Toco Warranty contracts have three-year terms, and contract availability is restricted by vehicle mileage. Contract restrictions and coverage details are outlined below.

Blue PlanYellow PlanOrange Plan
Vehicle Eligibility2000 or
newer vehicles
with 100,000 to 175,000 miles
2011 or
newer vehicles
with 60,000 to 100,000 miles
2016 or
newer vehicles
with 0 to 60,000 miles
Enginexxx
Transmissionxxx
Drive Axlexxx
Transfer Casexxx
Turbocharger/Superchargerxxx
Electrical Systemsxxx
Cooling Systemxxx
Air Conditioningxxx
Fuel Systemxxx
Brakes xx
Steering xx
Suspension xx
Electronic High Tech xx
Technology Package xx
Modern Features Package xx
Exclusionary  x

All Toco warranty plans include the following additional benefits:

  • 24-hour roadside assistance: Provides towing up to 15 miles, battery jump-starts, flat tire changes, locksmith services and fuel deliveries
  • Hotel rebates: Gives a 5% rebate on hotel bills when booking through partners
  • Rental car benefit: Reimburses $35 a day for a maximum of $175 per claim while your vehicle is in the shop
  • Trip interruption coverage: Reimburses up to $100 a day for a maximum of $300 per claim if you break down more than 100 miles from home

Toco Warranty Exclusions

Toco Warranty contracts will not cover the following items and services:

  • Maintenance: Factory-required maintenance items like oil changes, filter changes and tire rotations
  • Cosmetics: Appearance and non-mechanical parts, such as upholstery, exterior trim and bumpers 
  • Wear and tear: Items expected to degrade over time such as brake pads, brake shoes, shock absorbers, struts and tires

Cost of a Toco Extended Warranty

Based on Toco warranty reviews, many customers seem happy with the price of their Toco contracts. Our researchers contacted Toco to ask about Orange Plan coverage for a 2017 Honda Civic with 30,000 miles. We were offered the following contract terms:

  • Term length: 5 years/125,000 miles
  • Financing: $69.64 per month for 36 months
  • Down payment: First month’s payment
  • Deductible: $100.00
  • Total cost: $2,507.04
  • Cost per year of coverage: $501.41

This price is about average for an auto warranty. It is neither exceptionally low nor exceptionally high. The financing terms are good for the industry, requiring no down payment and offering a low overall monthly price.

However, this is just an example. Extended warranty costs are different for every customer and vehicle. The cost of your Toco Warranty plan will be impacted by factors such as:

  • Coverage level and contract length
  • Deductible
  • Vehicle make and model
  • Vehicle age and mileage
  • Location

How to Get a Quote and File a Claim

Toco auto warranties promise to pay the repair costs of covered components after a mechanical breakdown. This coverage goes into effect after a 30-day/1,000-mile waiting period. After the waiting period, if your vehicle experiences a mechanical failure, take it to any licensed mechanic, repair shop or dealership. Have the repair facility call Toco at 800-616-1215 and provide your customer contract number.

If your claim is approved, Toco will pay your repair facility directly, and you’ll only be responsible for paying your deductible. Toco warranty reviews suggest that the Toco claims process is smooth and efficient.

Transfers and Cancellations

If you sell your covered vehicle before your Toco coverage expires, your contract can be transferred to the new owner for a $75 fee. This fee is only $40 for Florida residents, and there is no fee for New Hampshire drivers.

Toco contracts can be canceled at any time, and you will lose only what monthly payments you have already made.

Liability Limitations

Toco does not promise to pay an unlimited amount for repairs. Each repair visit has a maximum reimbursement limit, which is equal to the current trade-in value of your vehicle. There is also a total contract reimbursement limit, which is equal to the retail price of your vehicle on the day you purchase coverage.

Toco Warranty Reviews

Toco Warranty reviews are largely positive. The company is accredited and has an A+ rating from the Better Business Bureau (BBB), but what is even more impressive is that Toco has a 4.49 out of 5 BBB customer review score based on over 115 reviews. It is very rare to see an extended warranty company with a customer rating this high on its BBB profile.

Customers who did complain were upset that their claims were denied. However, many Toco reviews reported fast claims and a pleasant customer service experience.

Our Verdict on Toco: 8.0 / 10.0

Toco warranty reviews indicate that customers are satisfied with Toco claims servicing, which is extremely important for an extended car warranty provider. It’s certainly worth considering a Toco warranty if one is available to you. We recommend shoppers include Toco among the companies from which they request claims.

Our Picks for Best Extended Car Warranties

Toco Warranty offers excellent payment plans, but it isn’t the only company to do so. Customers looking for other low-cost warranty options should consider two of our top recommended providers: CARCHEX and CarShield.

CARCHEX: Best for High-Mileage Cars

CARCHEX offers high-level contracts at competitive prices. We reached out to CARCHEX to get a quote on the provider’s highest level of coverage, called the Titanium plan, for a 2018 Toyota RAV4. Here are the terms we were offered:

  • Term Length: 7 years/125,000 miles
  • Financing: $190.00 for 18 months
  • Down Payment: $342.00
  • Deductible: $100.00
  • Total Cost: $3,420.00

CARCHEX is a reliable company with a consistent record of paying claims. Get a free, personalized quote from CARCHEX below.

CarShield: Most Affordable

CarShield offers some of the lowest-cost contracts in the industry. We asked CarShield to supply a quote on its highest-level plan, Diamond coverage, for a 2018 Toyota RAV4 and were offered the following terms:

  • Term Length: 5 years/100,000 miles
  • Financing: $88.78 for 18 months
  • Down Payment: $295.00
  • Deductible: $100.00
  • Total Cost: $1,893.04

Read our CarShield review for more information, and reach out for your own custom quote by clicking below.

Featured Extended Warranty Companies

We reviewed the best extended auto warranty providers, and here are our top picks.

Best Overall Warranty Provider

4.6

  • Coverage:: 6 plan options, from routine maintenance to full coverage
  • Cost:: Several discounts available
  • Reputation:: Smooth claims experience as a direct provider
Affordable Monthly Payment

4.5

  • Coverage:: 6 plan options, some that last up to 300,000 miles
  • Cost:: Flexible month-to-month contracts
  • Reputation:: Most popular warranty provider
Best Warranty Provider for Used Cars

4.4

  • Coverage:: 6 plan options, the highest similar to a manufacturer’s warranty
  • Cost:: No down payment required
  • Reputation:: Strong BBB (Better Business Bureau) rating
  1. TOCO Auto warranty will find down to the tiniest of details to NOT pay your claim. Do not deal with them. They will rob you of your monthly payments and almost always deny your claim. They refuse to take auto maintenance records from a licensed mechanic for OIL CHANGES. Said they are not verifiable receipts. An ASE Certified mechanic and they wont take his receipts saying he maintained all the oil changes on the car.