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The Best Extended Car Warranty Companies

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    Extended car warranties are optional plans you can buy to cover repair costs and replacement expenses after your original manufacturer’s warranty expires. Think of it as a health insurance plan for your car. It covers most major breakdowns and repairs, and since the cost of labor and parts fluctuates over time, it gives you peace of mind knowing that your expenses are stabilized. In the long run, getting an extended car warranty can save you money.

    Extended car warranties differ from car insurance in one significant way: While car warranties pay for mechanical breakdowns due to many causes, car insurance is tied to specific causes such as theft, fire, or collision damage. 

    The 4 Best Car Warranty Companies

     Endurance Warranty ServicesCARCHEXCarShieldautopom!
    Best car warranty company forHigh-mileage vehiclesChoice of plansCustomer satisfactionPrice-conscious consumers
    States Available49, California not covered505050
    Online QuoteYesYesYesYes
    Roadside AssistanceYesYesYesYes
    Warranty start date1 day after purchase30 days1 day30 days
    DeductibleYesYesYesYes
    No. of Plan Options566Up to 19
    Find out more View all autopom! Plans
    Endurance

    Best for High-Mileage Vehicles

    Why we chose it

    Coverage designed for commuters

    Why we chose it

    Coverage designed for commuters

    Pros

    • Easy claims process: Process is very streamlined and stress-free
    • 30-day money-back guarantee: Gives you at least a month to decide if the service is right for you
    • Numerous coverage options: 5 plans to choose from, including one just for high-mileage vehicles

    Cons

    • California is not covered: Doesn’t offer coverage to residents of California
    • Limited plan options: Fewer choices than other similar providers
    Read More
    CARCHEX

    Best for Choice of Plans

    Why we chose it

    Customized coverage for a perfect fit

    Why we chose it

    Customized coverage for a perfect fit

    Pros

    • Included extras: Plans include many extras at no additional cost, such as roadside assistance and fuel delivery
    • Long financing period option: Vehicle owners can opt for long-term financing of up to 21 months
    • Stable company: Well-established company with a good reputation

    Cons

    • Included extras: Plans include many extras at no additional cost, such as roadside assistance and fuel delivery
    • Long financing period option: Vehicle owners can opt for long-term financing of up to 21 months
    • Stable company: Well-established company with a good reputation
    Read More
    CarShield

    Best for Customer Satisfaction

    Why we chose it

    Thousands of 5-star customer ratings

    Why we chose it

    Thousands of 5-star customer ratings

    Pros

    • Specialty plans: Offers plans for owners of ATVs, motorcycles, off-road vehicles, and other specialty vehicles
    • Excellent reviews: Has overwhelmingly positive reviews online with Trustpilot and the Better Business Bureau (BBB)
    • Rental car reimbursement: Rental car reimbursement available with some plans

    Cons

    • Several exclusions: Policies come with several exclusions—read the details carefully before signing any contract
    • Limited benefits: Common benefits, such as rental cars, not included in all plans
    • Lack of plan transparency: Provides basic plan information online, but more details only available by talking to a representative
    Read More
    autopom!

    Best for Price-Conscious Consumers

    Why we chose it

    Competitive prices that won’t break the bank

    Why we chose it

    Competitive prices that won’t break the bank

    Pros

    • Budget-friendly prices: Plans start at $1,488 in California and $2,500 in other states
    • A multitude of plan options: Total of 19 possible plans offered
    • No-hassle quote process: Get full, detailed quotes in minutes online
    • Caters to California residents: Offers California-backed policies and Mechanical Breakdown Insurance (MBI) meeting state regulations

    Cons

    • Large down payment required: Prepare to give 10% down instead of the 5% industry standard
    • Plan limitations by states: Not all plans available in all states
    • No high-end vehicle coverage: Plans cover many car makes and models, but not luxury vehicles like Rolls-Royce
    Read More

    Guide to Extended Car Warranties

    Decide Whether You Need an Extended Warranty

    You might need an extended car warranty if you intend to own your car for a long time or sell it after a few years. In the first scenario, it cushions you against potential future expenses, while the second makes your car more appealing to potential buyers.

    Using an extended car warranty on top of your car insurance covers any mechanical breakdowns that insurance won’t cover, giving you financial security.

    Watch Out for Red Flags

    If you encounter any of these warning signs, it’s probably best to steer clear of a company:

    • Bad reputation: Check out user reviews for an idea of how the company operates
    • Too many exclusions: Be clear about what your warranty covers and ask the company to clarify anything you’re unsure about
    • Cold calls or letters: Ignore communication you receive offering extended warranties

    Decide on the Type of Extended Warranty You Need

    When searching for an extended car warranty, you have two options: dealers and third-party providers. With a dealer, you get fewer service location options, but a guarantee that you’ll always get exact replacement parts. Third-party providers, on the other hand, have more extensive service networks, but don’t guarantee exact replacement parts.

    Choose the Best Coverage for Your Needs

    You’ll have a choice between limited or comprehensive coverage plans. Limited plans are more affordable but still cover basics like mechanical or power train repairs. Comprehensive coverage is often chosen for high-ticket cars and covers items like electrical and audio system repairs.

    How We Chose the Best Car Warranties

    To find the best car warranty companies, we took the most popular companies in the U.S. and distilled them by looking at prices, plan options, coverage exclusions, and average customer ratings from the BBB and Trustpilot. 

    Extended Car Warranties FAQ

    Are extended car warranties worth it? 

    Extended car warranties can save you money in the long run, especially for anyone who’s planning to use their car for a long time. Some providers offer even better coverage than your original manufacturer’s warranty.

    Since insurance doesn’t cover repairs due to mechanical breakdowns, an extended warranty enables you to enjoy your car with less financial worries.  

    How much do extended car warranties cost? 

    The price of an extended warranty can differ greatly depending on individual circumstances, such as the age of the vehicle and the level of coverage, and whether the warranty contains any extra perks or benefits. The best way to know what will it cost to cover your car is to get a quote from several companies and compare prices.

    About the Authors

    Lorraine Roberte

    Lorraine Roberte Contributing Writer

    Lorraine Roberte is a South Florida-based personal finance writer. Her work has been published on sites such as Thrive Global, Elephant Journal, Red Tricycle and Tweak Your Biz.

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