usaa extended warranty

USAA Extended Car Warranty

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USAA once offered an extended warranty for military members but does not anymore. We review USAA warranty options and recommend a few leading providers.

Featured Extended Warranty Companies

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

Best Overall Warranty Provider

Our Rating: 4.6 out of 5.0

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On Endurance’s Website

(866) 990-3410

Or Call Endurance Directly

Affordable Monthly Payment

Our Rating: 4.5 out of 5.0

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On Carshield’s Website

(877) 265-5123

Or Call Carshield Directly

Best Warranty Provider for Used Cars

Our Rating: 4.4 out of 5.0

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On Carchex’s Website

(866) 950-7122

Or Call Carchex Directly

Crash Course:

  • USAA once offered an extended warranty to military service members and their families.
  • The company still honors previously purchased coverage plans.
  • If you’re looking for an alternative, we’ll recommend a few of the highest-rated extended car warranty companies.

The United States Automobile Association (USAA) provides many financial services to military service members and their family members. These services previously included a USAA extended warranty, which was offered up until 2018.

In this article, we’ll go over everything you need to know about the USAA extended warranty, including previous coverage details and whether USAA may offer vehicle protection plans in the future. We’ll also recommend a few warranty providers worth pursuing if you’re interested in purchasing an extended warranty now.

Our research team has reviewed the best extended car warranty companies on the market. To ensure you purchase an affordable, quality car warranty, it’s always a good idea to get quotes from multiple companies. Start getting free, customized quotes from our highest-rated providers above.

Does USAA Offer Extended Auto Warranties?

USAA no longer offers an extended warranty. USAA extended warranty plans were previously administered through Assurant Solutions, a third-party provider that partnered with USAA. The company stopped offering this coverage in 2018.

USAA Services

USAA does, however, offer different insurance, banking, retirement, real estate, and investment products and services, and the company still recognizes previously purchased USAA Extended Vehicle Protection Plans.

What Did the USAA Extended Warranty Cover?

There were two USAA extended warranty plans to choose from: Comprehensive Protection and Manufacturer Wrap Protection. 

USAA Comprehensive Protection Plan

The Comprehensive Protection plan acted as a true bumper-to-bumper warranty, covering nearly all mechanical vehicle parts. This plan included coverage for vehicles’ powertrain components such as the engine, transmission, drive axle, and related parts.

USAA Manufacturer Wrap Protection Plan

The Manufacturer Wrap Protection plan was designed for drivers whose factory bumper-to-bumper warranties were shorter than their factory powertrain warranties. The plan included most vehicle components, except for those covered under the factory powertrain warranty. Wrap plans can help drivers avoid having their coverage lapse or paying for redundant coverage. Drivers were able to purchase this USAA extended warranty as long as they were 30 days or 1,000 miles from the expiration of their factory warranty.

Customers who previously purchased a USAA extended warranty and experience mechanical breakdowns can still file claims. Plans are also cancelable. Coverage was originally transferable too, but it’s unclear whether this is still an option.

Additional Benefits

Each USAA extended warranty provided drivers with a few benefits, including:

  • Substitute transportation reimbursement
  • Travel and lodging reimbursement
  • 24-hour roadside assistance

Active service members are eligible for USAA’s deployment deferment options. If a USAA extended warranty owner is deployed at any point during their contract term, USAA can suspend coverage for up to 15 months. Upon return, service members can have their contract extended to reflect the original coverage length.

Future of the USAA Extended Warranty: Conclusion

In 2019, USAA stated it did not have plans to bring back its extended auto warranty program. There are also no alternative USAA extended warranty options in place at this point in time. 

If you were planning to buy a vehicle service contract through USAA, you’re not out totally of luck. There are comparable options available through a number of reputable extended car warranty companies.

Our Top Recommendations for Extended Car Warranties

When shopping for an extended service contract, we recommend choosing a third-party provider that offers quality coverage plans at affordable prices. To find out which companies offered the best plans, we conducted a thorough review of each major auto warranty provider.

By taking a look at plan details, reading customer reviews, and getting real quotes from each company, we’ve determined that Endurance, CARCHEX, and CarShield are a few of the top warranty providers on the market today.

Endurance: Best Overall

Endurance performed well in all of our review categories, including industry reputation, affordability, coverage options, and customer service. 

Endurance offers six coverage tiers and contracts that can extend up to 8 years or 200,000+ miles. The provider also has sample contracts online so that you can review the covered parts and exclusions of each plan before even speaking to a sales representative.

For more in-depth information on this provider, read our Endurance warranty review. You can also click below to receive a free, personalized quote from Endurance.

Best Overall Warranty Provider

Our Rating: 4.6 out of 5.0

CARCHEX: Best for Used Cars

Older, high-mileage cars can be difficult to find coverage for, but CARCHEX has a specialty plan designed with these vehicles in mind. Additionally, CARCHEX offers four other coverage options that range from basic powertrain warranties to more comprehensive plans. 

CARCHEX contracts can extend up to 10 years or 250,000 miles and come with four deductible options, so it’s easy to find a plan that will fit your vehicle protection needs and budget.

For more information, read our comprehensive CARCHEX review, and click below for a no-obligation quote.

Best Warranty Provider for Used Cars

Our Rating: 4.4 out of 5.0

CarShield: Most Affordable

CarShield is our go-to choice for drivers wanting affordable coverage plans. The provider offers six coverage options, which can extend up to 300,000 miles and cover luxury brands like Tesla and Land Rover. Based on the sample quotes we received, CarShield offers some of the most budget-friendly warranties in the industry, without sacrificing on quality.

Read our full CarShield review to learn more about this provider, and get a free quote from CarShield below. You can also compare CarShield with our other recommended providers in our CarShield vs. Endurance and CARCHEX vs. CarShield reviews.

Affordable Monthly Payment

Our Rating: 4.5 out of 5.0

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.