Best Extended Car Warranty Plans: Top Picks

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Crash Course:

  • An extended warranty makes the cost of car repairs more predictable and will cover your car in the event of an accident.
  • Endurance ranks as the best extended car warranty company according to the results of our 2024 warranty study.
  • The best extended auto warranty for you will depend on your preferences and your car’s make, model, age, and mileage.
Endurance
4.6
Industry Standing: 4.4/5.0
Coverage: 4.9/5.0
Affordability: 4.5/5.0
Transparency: 5.0/5.0
Customer Service: 4.4/5.0
idée We recommend Endurance as the best warranty provider
  • Best Overall
  • Coverage Plans: 6 options plus maintenance plan
  • Odometer Limit: Up to 200,000 miles
  • Free Cancellation: 30-day money-back guarantee
  • Longest Term: 8 years of coverage
  • Discounts: $300 same-day signup discount, $250 shopping voucher, and others
Plan coverage includes Endurance Elite perks™
Factory-level bumper-to-bumper plan Free membership for first year
Multiple powertrain/mid-level choices $500 collision discount
Scheduled maintenance coverage Tire repair or replacement
24/7 emergency roadside assistance Total loss protection up to $1,000
Trip interruption reimbursement Key fob replacement and repair
Rental vehicle coverage Endurance mobile app
Towing allowance $250 credit with shopping or dining partners

The best extended car warranty plans offer financial protection, predictable expenses, and peace of mind on the road. Not all companies that offer vehicle service contracts follow through on their promises, though, so it’s important that you choose your coverage provider wisely.

Our research team put together this extended car warranty guide to highlight the industry’s top providers. We’ll run through the five best car warranty companies and provide reviews for each one. You’ll also find key details about the warranty purchasing process to help you make an informed decision about your next coverage plan and provider.

Best Extended Warranties For Cars

The best extended warranties for cars in 2024 are offered by Endurance, autopom!, CNA National, TOCO, and CarShield according to our research. However, it’s worth noting that there wasn’t much separation in our pick for the Best Overall extended warranty and the rest of our top choices.

Best Rated Extended Car Warranty

Endurance is the best rated extended car warranty provider with an overall rating of 4.6 out of 5.0 based on the company’s affordable coverage, customer service, as well as its general industry reputation. You’ll find the top five highest-scoring warranty providers from our study listed in the table below, along with their overall scores and awards for this year.

Best Extended Car
Warranty Companies
Overall Rating
(out of 5.0)
2024 Extended Warranty Study Award
Endurance4.6Best Overall Provider
autopom!4.6Best Claims Process
CNA National4.3Best for EV Coverage
Toco4.3High Mileage Limit
CarShield 4.3Affordable Monthly Payments

Extended Auto Warranty Company Ratings

Each year, our research team conducts a thorough review of the country’s top auto warranty providers to determine the best choices for customers. We evaluate every company based on dozens of data points found across five main categories, listed below.

  • Coverage: Our team examines each company’s offerings to learn about their levels of coverage, term lengths, restrictions, and benefits. Providers that offer plenty of coverage options and give valuable perks to customers earn high scores.
  • Affordability: Using cost data and secret shopper studies, we rate warranty providers based on their overall affordability. In addition to total cost, our team considers the types of payment plans, deductible choices, and discounts offered.
  • Customer service: We look at ratings from multiple sources and consider hundreds of reviews to assess the customer experience of each company. Our research team also considers the quality and accessibility of online services and mobile apps.
  • Industry standing: Our team weighs the reputation held by each company within the auto warranty industry. In addition to scores from organizations like the Better Business Bureau (BBB), we take into account a company’s age, corporate partnerships, and awards from across the automotive industry.
  • Transparency: Each provider’s transparency is assessed based on how much information is given to customers upfront. Extended car warranty companies that offer sample contracts, thorough descriptions of coverage online, and money-back guarantees earn higher scores.
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Best Extended Car Warranty Companies: Provider Reviews

Now that we’ve explained our ranking system, we’ll give our complete reviews of the best extended auto warranty companies. While Endurance ranked as the top provider overall, each of our top providers is worth considering. Keep reading to see which warranty company might be the best fit for you. 

1. Endurance: Best Overall Provider

Endurance earned the top spot in our 2024 auto warranty study and stands out as one of the only direct providers in the industry. The company excels as a vehicle service contract provider due to its numerous plan options, relatively competitive prices, and the useful Endurance Elite Benefits package – which comes free for one year with each plan.

Endurance Warranty Pros and Cons

Endurance Warranty ProsEndurance Warranty Cons
Useful Endurance mobile appAverage rating from customers on the BBB
Excellent included benefitsSlightly higher prices than some providers
Administers its own warranty plans

Endurance Extended Warranty Plans

Plans offered: 6
Mileage limit: 200,000
Waiting period: 30 days and 1,000 miles for most plans – 60 days and 1,000 miles for Select Premier
Included benefits: Roadside assistance, one year of Endurance Elite Benefits (includes total loss protection, collision discount, key fob replacement, and complete tire coverage).

Endurance offers the following extended car warranty plans:

  • Supreme: Bumper-to-bumper coverage that compares to a new car manufacturer’s warranty.
  • Superior: The highest level of stated-component coverage from Endurance.
  • Secure Plus: Mid-tier coverage that includes gaskets, which aren’t covered by plans other than Supreme.
  • Select Premier: A powertrain-plus plan that protects some electrical components and the air conditioning system.
  • Secure: Endurance’s most affordable plan that offers basic powertrain coverage. Protects the turbocharger and supercharger in addition to more standard powertrain components such as the drive axle and transmission.

Continue reading: Endurance Warranty Review

Best Overall Warranty Provider

Our Rating: 4.6 out of 5.0

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2. autopom!: Best Claims Process

Among all the companies in our study, autopom! is one of the most customer-focused choices. On top of a stellar reputation for customer service, the company goes beyond the normal level of service and actively advocates for customers when issues pop up. That makes it an option worth considering for people who’d like some backup during the claims process.

autopom! Warranty Pros and Cons

autopom! Warranty Prosautopom! Warranty Cons
Some plans include tire protectionOnly three plans to choose from
High ratings from customersCoverage capped at 150,000 miles
Covers vehicles in all states including California

autopom! Plans

Plans offered: 3
Mileage limit: 150,000
Waiting period: Not stated
Included benefits: Roadside assistance, rental car coverage, trip interruption coverage plus tire protection on some plans

autopom! offers three types of coverage:

  • Exclusionary: This option is similar to a factory warranty and covers any mechanical breakdown except for a list of exclusions.
  • Mid-level: This plan covers the powertrain (engine, transmission, and drive axle) plus many other systems like air conditioning, brakes, electrical, and steering.
  • Powertrain Plus: This plan covers the engine, transmission, and drive axle along with the air conditioning and some electrical components.

Continue reading: autopom! Warranty Review

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3. CNA National: Best for EV Coverage

CNA National doesn’t sell plans online but works with a network of dealerships across the country. CNA National is a reputable provider with high ratings on the BBB. It also offers a wide range of coverage including four separate types of electric vehicle coverage. EV drivers usually have one option from most providers, but that’s not true of CNA National.

CNA National Warranty Pros and Cons

CNA National ProsCNA National Cons
A+ rating with accreditation on the BBBPlans are only available from specific dealers, no online quotes
Many plans to choose fromCost depends on the dealership
Some plans have unlimited mileage options

CNA Extended Warranty Plans

Plans offered: 4 standard and 4 EV plans
Mileage limit: Lifetime powertrain warranty, other plans vary
Waiting period: Not stated
Included benefits: Roadside assistance, towing, trip interruption, rental car coverage

CNA National offers four types of standard coverage:

  • Automotive Preferred Care: This is an exclusionary plan that covers almost any breakdown.
  • Mechanical Advantage Care: This high-level plan covers most systems of the vehicle.
  • Vehicle Value Care: This option covers the powertrain plus seven more systems including air conditioning, electrical, suspension, fuel, and cooling.
  • Powertrain Advantage Care: This  basic plan covers the engine, transmission, and drivetrain assembly.

CNA National also offers four types of electric vehicle plans, which is why we named it Best for EV Coverage. Other companies usually offer only one EV plan if they cover EVs at all.

  • Elite Protect With Battery: This provides exclusionary coverage for all systems plus the propulsion battery.
  • Elite Protect: This option offers comprehensive coverage for all systems except the propulsion battery.
  • Premier Protect: This covers most EV systems.
  • Standard Protect: This is a value plan that covers the most crucial systems of the EV.
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4. Toco: High Mileage Limit

Toco is among our top picks for warranty providers due to its reputation and coverage. It has excellent reviews from customers and the BBB, and it’s financially backed by a larger company, AmTrust Financial Services, which may give drivers peace of mind about their claims being paid out. Toco offers coverage for cars with up to 250,000 miles, making it a solid choice for used car protection.

Toco Warranty Pros and Cons

Toco ProsToco Cons
A+ rating with accreditation on the BBBEach plan only applies to one mileage amount
Good variety of coverage options
Coverage up to 250,000 miles

Toco Warranty Plans

Plans offered: 4
Mileage limit: 250,000 miles
Waiting period: Not listed
Included benefits: Roadside assistance, towing, rental car coverage, trip interruption coverage

Toco offers four types of coverage:

  • Orange: This is an exclusionary warranty that covers almost any breakdown (mileage must be under 100,000 at the time of a claim).
  • Yellow: This option covers 18 systems including modern features, high-tech, suspension, and steering (mileage must be between 100,001 and 150,000).
  • Blue: This option covers 12 systems including electrical, fuel, and air conditioning (mileage must be between 150,001 and 200,000).
  • Green: This option covers 8 systems including the engine, transmission, drive axle, and hybrid drive system (mileage must be between 200,001 and 250,000).
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5. CarShield: Affordable Monthly Payments

CarShield offers one of the industry’s highest mileage limits at 300,000 miles and provides coverage for ATVs and motorcycles. But the company also consistently had some of the lowest prices of any provider in our secret shopper study, especially when broken down to monthly payments.

CarShield Pros and Cons

CarShield ProsCarShield Cons
Plans for high-mileage vehiclesPoor review scores on the BBB
Covers ATVs and motorcyclesNot all extended car warranty contracts can be transferred
Coverage for high-tech components and electric vehicles (EVs)

CarShield Warranty Plans

Plans offered: 8
Mileage limit: 300,000
Waiting period: 30 days and 1,000 miles
Included benefits: Roadside assistance, towing, rental car coverage, trip interruption coverage

CarShield offers eight types of coverage:

  • Diamond: Top-tier exclusionary coverage for newer vehicles.
  • Platinum: The highest level of stated-component coverage available from CarShield. Includes protection for steering, suspension, and fuel delivery systems.
  • Gold: Enhanced powertrain coverage that protects electrical components like the alternator and power windows in addition to components covered by the Silver plan.
  • Gold Select: This plan covers everything that the Gold plan covers except for the fuel pump and fuel injector. 
  • Silver: Basic powertrain plan that covers essential components like the engine and driveshaft.
  • Aluminum: Specialty coverage for high-tech components and systems like navigation systems, cruise control, sensors, and seat controls.
  • Motorcycle and ATV: CarShield is one of only a few providers that offers coverage for alternative vehicles.
  • Electric Vehicle: This plan is made specifically for EVs, and it covers the battery pack, electrical system, electric drive unit, and more. 

Continue reading: CarShield Review

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What Is an Extended Car Warranty?

An extended car warranty covers the cost of repairs that occur due to mechanical breakdowns caused by faulty car parts or workmanship flaws. You may hear extended car warranties referred to as vehicle protection plans or vehicle service contracts.

In exchange for a one-time or monthly payment, the best extended car warranty providers will cover the cost of mechanical repairs that fall under the coverage outlined in your contract. Drivers aren’t required to purchase extended warranties, but many do since they add peace of mind while on the road and can reduce the stress of surprise car repair bills.

Extended Car Warranty Coverage

Whereas a factory warranty is a standard offering on a car, you get to customize your coverage with an extended warranty. Most providers offer a few coverage levels, allowing you to find a warranty plan that fits your needs and your budget.

Types of Extended Car Warranties

While each provider offers varying levels of coverage, most plans fall into one of three categories:

  • Bumper-to-bumper warranty: Commonly known as exclusionary coverage, bumper-to-bumper warranties cover all vehicle components except ones that are specifically mentioned as exclusions. These plans are similar to the new car limited warranties you get from dealerships and they come with the highest price tags.
  • Stated-component coverage: In contrast, named-component plans mention the parts of your vehicle that are covered rather than what isn’t. Typically, a stated-component plan covers most of your vehicle’s major systems and often includes coverage for some electrical components like your air conditioning.
  • Powertrain warranty: The most basic and affordable level of warranty coverage is a powertrain plan. Sometimes referred to as a drivetrain warranty, a powertrain warranty only covers the most critical parts of your car such as its transmission and drive axles.

Many of the best extended car warranty providers offer specialized options that cover high-tech electronics, EVs, and classic or exotic cars. Some also offer plans that can take care of routine maintenance services such as oil changes and tire rotations or replace wear and tear items like brake pads and windshield wiper blades.

Extended Car Warranty Cost

In our secret shopper research, we found that the average extended auto warranty plan costs about $1,227 per year of coverage. This is more or less consistent with what we learned from our auto warranty survey. A majority of the more-than 1,000 respondents said they paid between $1,600 and $3,200 in total for their extended warranty plans.

Extended Car Warranty Prices: Influencing Factors

The average extended car warranty prices listed above include all coverage levels, which is one reason for such a wide range in cost. The amount of coverage you choose and other factors can significantly affect how much you pay for coverage, meaning these averages should only be used as a guide. You can request free quotes to get a more precise idea of your own extended warranty costs.

Expand the section below to learn more about the factors that affect the cost of an extended warranty plan.

a graphic displaying six car warranty cost factors represented by red icons. cost factors are type of vehicle, deductible, coverage, warranty provider, age of vehicle, and mileage

Extended car warranty companies base individual prices on a few determining factors. These include:

  • Mileage: Higher-mileage vehicles are more likely to suffer mechanical breakdowns and therefore cost more to cover.
  • Vehicle type: The pricier a car and its repairs are the more a warranty provider will charge for coverage. Vehicles with reliability issues may also be charged higher prices for protection plans.
  • Deductible: As with car insurance, many warranty companies allow you to set your own deductible – some all the way down to $0. But the lower you set your deductible, the more your warranty plan is likely to cost.
  • Coverage plan: Of course, how much coverage you select is a major factor in pricing. The more comprehensive an extended warranty plan is, the more you’ll pay for it.
  • Vehicle age: Like higher-mileage vehicles, older cars are more prone to breakdowns than newer ones. Therefore, most car warranty companies charge higher rates for coverage on older vehicles.
  • Provider: Prices vary between the best extended car warranty companies, even for equal levels of coverage on the same vehicle. That’s why our team recommends getting quotes from multiple providers and comparing to see which one offers the lowest rates.
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Is an Extended Car Warranty Worth It?

In terms of financial value, whether extended warranties are worth it is somewhat up to chance. If your car ends up needing repairs, there’s a strong likelihood that you’ll pay less for a warranty than for the cost to fix the issue. However, it’s possible you won’t need your coverage, meaning you’ve paid for something that goes unused.

Still, extended auto warranties can be worth it in other ways. They include the following:

  • Peace of mind: If you’ve ever driven a car under warranty, you may have felt better knowing that potential auto repair costs were already covered. An extended warranty plan offers that same peace of mind after your factory warranty expires.
  • Extra benefits: In addition to your coverage, the best extended car warranties come with benefits like roadside assistance and trip interruption coverage. These perks, which may reduce hassle on the road, will otherwise come at an additional cost from auto insurance companies.
  • Predictable expenses: Many people prefer to make regular monthly payments to avoid large surprise expenses for car repairs. A warranty plan can help keep your finances predictable and will reduce your risk of needing to come up with a large sum of money at a moment’s notice. With warranty coverage, you can avoid paying out of pocket for various car repair and replacement costs. The most common repairs costs are shown in the graphic below.
List of most expensive car parts and their average replacement price ranges from RepairPal

Best Extended Warranty for Cars: How To Choose

There is no single best extended warranty provider for everyone. Certain providers may have better prices for your coverage needs and vehicles than others. Some auto warranty companies may offer benefits or coverage packages that work better for you.

In the following section, you’ll learn how to identify a good provider. We also provide a short guide to finding and choosing the right extended warranty for you and your vehicle below:

  • Check a provider’s eligibility requirements and exclusions
  • Read the fine details of your contract
  • Check out online customer service reviews
  • Double-check the provider has a no-hassle cancellation policy
  • Research the company’s industry reputation

It’s worth noting that not every auto warranty provider is reputable. While the companies mentioned in this article are reliable and transparent, others may be unresponsive when handling a claim or stingy about payouts for covered repairs. Our team stands behind our recommendations, but it’s never a bad idea to evaluate companies on your own.

Features of the Best Extended Car Warranties

Not every auto warranty provider is reputable. While the companies mentioned in this article are reliable and transparent, others may be unresponsive when handling a claim or stingy about payouts for covered repairs.

Our team stands behind our recommendations above, but it’s never a bad idea to evaluate companies on your own. In the section that follows, we list a few important things to look out for.

How To Find the Best Extended Auto Warranty For Your Vehicle

Here are a few tips that can help choose the best coverage provider for you and your vehicle:

  1. Assess your needs: Do you really need bumper-to-bumper coverage like you’d get with a manufacturer’s warranty on a new vehicle? Or will basic powertrain coverage satisfy your needs? Know what you’re looking for in a plan and provider before you start shopping.
  2. Consider your budget: Think about how much you can reasonably afford to spend, either as an upfront lump sum or in monthly installments. Figuring out your budget can help to guide your decision.
  3. Find a few options you like: Most extended warranty companies offer similar products, but there are differences that make some more attractive than others. You can use roundups like this one to find providers that offer the options, benefits, and customer service that you desire.
  4. Request quotes: You can and should get free quotes from many of the best extended car warranty providers as part of your process. While you may get sales calls and emails after requesting them, these quotes come with no obligations. Take time to weigh the offers you receive.
  5. Go with your gut: There are a lot of things to consider when choosing an extended warranty company and plan, but at the end of the day, much of the value of a service contract is in how you feel about it. Even if it’s not strictly the cheapest option, the best extended car warranty company for you is the one that you feel best about. Listen to your instincts.
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Best Car Extended Warranty: Conclusion

The best extended car warranty provider in our 2024 study is Endurance. With an impressive score of 4.6 out of 5.0 stars, the company earned the title of our Best Overall Provider.

But you shouldn’t stop your search there. While we rank Endurance as the best in the extended vehicle protection plan industry, we confidently recommend any of the providers mentioned in this article. Another provider may have prices, plans, or benefits that better suit your personal needs.

Buying an extended warranty for your car is an important financial decision, and there’s no rush to make a commitment. Take your time and thoroughly evaluate a few options before selecting your coverage provider and plan.

Endurance
4.6
Industry Standing: 4.4/5.0
Coverage: 4.9/5.0
Affordability: 4.5/5.0
Transparency: 5.0/5.0
Customer Service: 4.4/5.0
idée We recommend Endurance as the best warranty provider
  • Best Overall
  • Coverage Plans: 6 options plus maintenance plan
  • Odometer Limit: Up to 200,000 miles
  • Free Cancellation: 30-day money-back guarantee
  • Longest Term: 8 years of coverage
  • Discounts: $300 same-day signup discount, $250 shopping voucher, and others
Plan coverage includes Endurance Elite perks™
Factory-level bumper-to-bumper plan Free membership for first year
Multiple powertrain/mid-level choices $500 collision discount
Scheduled maintenance coverage Tire repair or replacement
24/7 emergency roadside assistance Total loss protection up to $1,000
Trip interruption reimbursement Key fob replacement and repair
Rental vehicle coverage Endurance mobile app
Towing allowance $250 credit with shopping or dining partners

Best Extended Car Warranties: FAQ

Below are some common frequently asked questions about extended car warranties:

Who has the best rated extended car warranty?

Endurance has the best-rated extended car warranty of all providers in our study. However, autopom!, CNA National, Toco, and CarShield are also strong options that finished with only slightly lower scores.

What does a car warranty cover?

Extended auto warranties cover select mechanical components. Basic extended warranties (typically referred to as powertrain or drivetrain warranty coverage) protect the parts of your car that help the vehicle move, like the engine, transmission, and drive axle.

A more comprehensive coverage plan (typically referred to as a bumper-to-bumper warranty) covers the same components as a powertrain plan, plus your car’s cooling and electrical systems, high-tech components, air conditioning system, and more.

Is an extended car warranty ever worth it?

An extended car warranty can be worth it financially if you need to use the coverage. But even if you don’t, the peace of mind from knowing that you won’t face huge repair bills out of nowhere may be worth the cost of coverage for many people.

What is an extended warranty on a car?

An extended warranty for cars covers the cost of unexpected repairs for a range of components, depending on the plan you choose. Some manufacturers offer extended car warranty plans, but you can also buy coverage from one of many aftermarket car warranty providers.

How much does a CARCHEX warranty cost?

A CARCHEX warranty costs around $110 to $170 per month, according to our research.

Are CarShield warranties expensive?

Compared to many of the other best extended car warranty companies, CarShield is not expensive on a monthly basis. In fact, we awarded it “Affordable Monthly Payments” in our study.

Can you buy an extended warranty after purchase?

If you choose an aftermarket auto warranty provider, you can usually buy an extended warranty after you purchase a vehicle. While some manufacturers offer this option, others require you to buy extended warranty coverage when you purchase your vehicle.

How do you cancel an extended warranty on a car?

Each provider has its own methods for canceling an extended warranty on a car. Some allow you to cancel in just a few steps online. Others require you to notify the company with a physical letter.

Can you pay for an extended car warranty monthly?

Yes. Paying for an extended car warranty on a monthly plan is very common and something most providers offer. However, you can also choose to pay for your entire plan upfront.

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.

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, doesn’t have negotiable contracts, which is a good thing for many customers. The CARCHEX haggle-free guarantee means you’re offered the lowest possible price without having to negotiate.

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.

Who competes with CarShield?

Popular warranty providers such as Endurance, Olive, and CARCHEX all compete with CarShield. Other competitors include Omega Auto Care, Concord Auto Protect, and Toco.

Is an extended car warranty the same as mechanical breakdown insurance (MBI)?

An extended car warranty is functionally the same as an MBI policy. Both cover the cost of vehicle repairs that come from the normal use of your car. The main difference is that extended car service plans are provided by car manufacturers or aftermarket providers while MBI policies are instead sold by auto insurance companies or warranty providers doing business in California.

How much does an extended car warranty cost?

The average cost of an extended car warranty is currently $1,227 per year, based on our research. However, the actual cost of a coverage plan can vary by several thousand dollars depending on factors such as the age and mileage of your vehicle, the coverage options you choose, and the term length of your contract.

Who administers CARCHEX extended warranty plans?

CARCHEX uses several third-party administrators to service claims for the warranty plans it sells. Depending on the plan you buy and where you buy it, your CARCHEX coverage may be handled by companies like American Auto Shield.

Best Extended Car Warranty Reviews: 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.

  • Industry Standing: Our team considers Better Business Bureau (BBB) ratings, availability, and years in business when giving this score.
  • 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.
  • 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.
  • Transparency: We consider the transparency of each company’s contracts and the availability of a money-back guarantee when determining 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.

*Data accurate at time of publication.