Disclosure: We may earn a commission for quotes accepted by consumers, but this doesn’t affect the authenticity of our review process.

The 8 Best Extended Car Warranty Companies

Complete Car

Complete Car

Years_in_Business Years in Business

2+

Mileage Limit Mileage Limit

150,000

Year of Make Car Age Limit

1990+

CostCost

$75 a month

Standout features Standout Features:

  • Offers no-contract auto warranties
  • Payment consists of one-time activation fee and monthly fee
  • Roadside assistance includes Towing, Flat Tire Service, Fuel Delivery, & Lock Out Service

Plans - Carguard, Matrix, Royal

Why we picked it

Complete Car is a relatively new entrant but their offerings stand out in the market. With their no-contract stance, customers are not locked in. Their warranties are accepted at certified dealerships and repair facilities nationwide and they also have no limits on the number of repairs availed subject to coverage caps.

Complete Car offers their own plans but also works with third-party auto warranty providers to source vehicle extended warranty plans for consumers. However, there is not much information from them about these third parties.

Concord Auto Protect

Concord Auto Protect

Years_in_Business Years in Business

8

Mileage Limit Mileage Limit

Max 100,000

Year of Make Car Age Limit

2000+

CostCost

$1100-$2400*

Standout features Standout Features:

  • Offers 24/7 roadside assistance service
  • Warranties accepted at ASE certified facilities nationwide
  • Has 30-day money-back guarantee

Plans - Basic, Value, Complete

Why we picked it

Concord Auto Protect offers three auto warranty plans also known as vehicle service contracts, with its coverage aligning with the highest industry standards. The company offers a full refund if the customers are unhappy within the first 30 days of coverage.

Any certified repair facility accepts concord Auto Protect, and they are willing to talk to the mechanics beforehand to assure prompt reimbursement. They even offer to build a relationship with your preferred repair facility before buying their plans. They do not charge deductibles when they provide roadside assistance.

Endurance

Endurance

Years_in_Business Years in Business

15

Mileage Limit Mileage Limit

150,000

Year of Make Car Age Limit

1952+

CostCost

$2500-$4400*

Standout features Standout Features:

  • Offers lite benefits like $500 collision discount, tire repair/replacement
  • Has a convenient mobile app to request services and get updates

Plans - Select Premier, Secure, Secure Plus, Supreme, Advantage, Superior

Why we picked it

Endurance is one of the largest extended auto warranty contract providers in the US. They offer coverage in six different tiers, to cater to various needs of the customers. Endurance claims to have paid $125,000,000 in claims since 2006.

Endurance has received a rating of ‘A’ by AM Best, which highlights the importance the company gives to satisfying the customers.

Carchex

Carchex

Years_in_Business Years in Business

22

Mileage Limit Mileage Limit

250,000

Year of Make Car Age Limit

1997+

CostCost

$2500-$3000*

Standout features Standout Features:

  • Offers trip Interruption benefits like covering hotel and food costs
  • Offers towing benefits if the car breaks down
  • Has over 30,000+ repair facilities

Plans - Bronze, Silver, Gold, Platinum, Titanium

Why we picked it

Carchex has been in business for 22 years and is one of the few companies to be rated A+ by the BBB. The company goes beyond offering vehicle service contracts and has vehicle inspection services, auto insurance, and even options to finance and refinance auto loans.

They provide extended auto warranty coverage plans administered by other companies, giving a range of options for the coverage terms. The plans are tiered, from basic powertrain coverage to comprehensive inclusion of most systems, akin to the manufacturer's offerings.

Carchex offers essential benefits like roadside assistance, towing, trip interruption support, etc. They are committed to providing quality customer service and have a 99.9% customer satisfaction rate.

Infinite Auto Protection

Infinite Auto Protection

Years_in_Business Years in Business

13

Mileage Limit Mileage Limit

140,000

Year of Make Car Age Limit

2000+

CostCost

Avg $3000*

Standout features Standout Features:

  • Offers up to 60% off of dealer prices
  • Offers high tech components coverage
  • Offers courtesy towing and rental car provision upon car breakdown

Plans - Prime, Modern, Foundation

Why we picked it

Infinite Auto Protect provides affordable pricing options for buyers, flexible payment methods, and a price match guarantee to cut costs compared to what dealerships charge. Their comprehensive plan Prime covers more hi-tech components than usually offered, like keyless entry modules and Bluetooth systems. They also offer a fast claims process, and customers can take cars to repair facilities nationwide since most accept their warranties.

Olive

Olive

Years_in_Business Years in Business

22

Mileage Limit Mileage Limit

185,000

Year of Make Car Age Limit

2012+

CostCost

$1200-$5000*

Standout features Standout Features:

  • Allows customers to choose the deductible
  • Has 30-day money back policy
  • Offers mechanical breakdown insurance for California residents

Plans - Complete Care, Powertrain, Powertrain Plus

Why we picked it

Olive Auto Warranty is one of the extended car warranty providers with a strong digital management system. Their quote process is online and for people who may have questions about the coverage, there is phone assistance. They provide an online account to customers for easy claims tracking.

Olive offers three plans that cover a range of car parts and components. The pricing is flexible with the choice of a deductible between $100, $250, and $500. Their offerings match the industry standards. One admirable thing about Olive is their CSR orientation - they fund education, sustainable energy, and more causes.

ASC Warranty

ASC Warranty

Years_in_Business Years in Business

36

Mileage Limit Mileage Limit

N/A

Year of Make Car Age Limit

N/A

CostCost

Depends on dealership*

Standout features Standout Features:

  • Has $0 deductible for most plans
  • Warranties accepted at ASE certified facilities
  • Gives direct payment to repair facilities

Plans - Drivetrain ‘Plus’, Platinum Drivetrain, Factory-type, Deluxe

Why we picked it

ASC Warranty has been in business since 1986, offering comprehensive plans. Their roadside assistance services are notable because they assure help even if the problem is not covered. However, one significant drawback is that their plans are only available via dealerships.

ASC Warranty has an A+ BBB accreditation because of their quality customer support, with money being paid directly to the repair facility rather than making buyers wait for reimbursements.

Protect My Car

Protect My Car

Years_in_Business Years in Business

16

Mileage Limit Mileage Limit

Max 299,999

Year of Make Car Age Limit

2000+

CostCost

$3000-$4000*

Standout features Standout Features:

  • Offers perks like free oil changes
  • Allows customers to choose the deductible
  • Has a free, points-based customer loyalty program

Plans - Supreme, Select, Driveline, Platinum, Elite, Pro

Why we picked it

As compared to industry standards, Protect My Car has the highest mileage limits at nearly 300,000 and offers deductible pricing choices. The claims are handled in-house with no third-party administrators. PMC is one of the few companies that allow customers to buy plans online directly.

The customer service appears responsive, though the BBB rating is A+, despite being unaccredited. Many reviewers say that claims were not accepted, but the company has addressed most of the complaints

*

The cost of an extended auto warranty can differ widely based on the age, make, and mileage of your car. Get your free quote to know exactly what you’d pay.

Quick Comparison of the 8 Best Extended Auto Warranty Companies

Company
Cost
Mileage Limit
Age Limit
Year of Establishment
Complete Car $75/month 185,000 1990 2019
Concord $2500-$3000 100,000 2000 2013
Endurance $2500-$4400 150,000 1952 2006
Carchex $2500-$3000 250,000 1997 1999
Infinite $3000 140,000 2000 2008
Olive $1200-$5000 185,000 2012 2000
ASC Warranty N/A N/A N/A 1986
Protect My Car $3000-$4000 299,000 2000 2005

How Auto Warranties And Service Contracts Differ?

When you buy a car, a manufacturer or factory warranty guarantees that authorized technicians will repair any defects or replace parts at no cost to you. The repair services will only be carried out at the dealers or authorized service centers.

Third parties sell a vehicle service contract or extended auto warranty for an additional cost after the factory warranty has expired. It is not a warranty defined by federal law but an optional plan that may extend the manufacturer's warranty coverage. It is also called an aftermarket car warranty. It provides affordable repair and replacement services when your car breaks down due to wear and tear.

What To Know Before Buying A Third-Party Extended Warranty?

The extended car warranties offer coverage for a limited number of years or miles driven. They reimburse or provide repair services for mechanical breakdowns of the car. However, an extended warranty is generally unnecessary since much of the coverage would be duplicated at car purchases.

Automobile insurance, frequently confused with auto warranty, covers vehicle damage arising due to fire, accident, or theft but no mechanical issues.

How To Find An Ideal Auto Warranty Provider?

As cars age, the repair costs can spike. You don't want an unexpected breakdown to leave you stranded with no assistance. An extended auto warranty provides many advantages.

Some companies, however, provide disappointing services. Hence, you should choose a reputable company and avoid scammy ones by doing the following things diligently.

list icon Understand the Plans

Car warranty companies offer a variety of plans with different grades of coverage. Most commonly, from basic plans covering critical vehicle systems to advanced plans covering almost all the mechanical and electrical components. Don’t go by the brochure alone, and you should also read the actual contract.

Some plans may align with how car warranties are classified, as follows:

Bumper to bumper warranty: The most comprehensive type of warranty, it covers almost everything, and the contracts may only specify what is not covered (generally, routine maintenance and parts that wear out frequently like brake pads).

Powertrain warranty covers parts of a car responsible for the movement like the engine transmission, axle, etc.

There is also another kind of warranty called the named component warranty. The plan covers the mentioned parts and systems; however, the top companies we reviewed don’t quite seem to offer such warranties. They do offer an exclusionary warranty which conversely covers everything not explicitly excluded.

list iconCheck the Coverage

It is vital to check what parts and systems are covered under each plan and what is excluded. Most extended warranties only cover mechanical breakdowns, while others may exclude damage from overheating.

You may not need extensive coverage based on your car’s age and miles. You should know that the maintenance expenses like oil changes, tire changes, etc., would come out of pocket since the extended car warranty does not cover them.

Most reputable providers now include roadside assistance, rental car coverage, acceptance by nationwide repair facilities that are ASE certified, etc. Therefore, you’ll want a plan that does not miss out on these benefits.

list iconPricing & Limitations

The pricing depends on the model, age, condition of your car, and the mileage racked up. Many auto warranty contracts have a multi-year option that is less expensive. You should also become familiar with the coverage caps and the conditions required for the claim to be processed successfully—note details like the waiting period, cancellation, transfer policy, etc.

There are two pricing components to pay attention to; the premium, a monthly or annual amount, and a deductible, to be paid when technicians perform car service.

How Does An Extended Car Warranty Work?

Car breakdowns can be expensive to fix, especially if you love driving and wear out the car faster. An extended auto warranty makes it a lot easier to get help when something goes wrong with your car.

Follow the steps below to use the extended warranty you’ve got for your car:

  1. Choose a certified repair facility to tow the car. You can call their claims department to avail of towing and roadside assistance.
  2. The mechanic should have a conversation with the car warranty provider to discuss payment terms.
  3. The mechanic informs the diagnosis of the problem to the extended auto warranty company. They check if the problem is eligible for coverage.
  4. You have to pay the deductible now or have the extended auto warranty company do it based on the contract terms.

Is An Extended Warranty Worth It For Cars?

An extended warranty can help you get peace of mind knowing that repair costs will be lower than out-of-pocket expenses. It also gives you the flexibility to approach repair facilities besides your dealership’s. Fixing a significant breakdown like the car's transmission could cost $1,800 to $3,400, but it would be a fraction of that amount with an auto warranty.

You can also get benefits like roadside assistance, towing assistance, trip reimbursement, etc. that make long drives worry-free. Plus, you know who to call for assistance right away.

However, an extended auto warranty may not be helpful for a new car. They usually come with a factory warranty offering bumper-to-bumper coverage for three years or 36,000 miles (on average).

An extended auto warranty is beneficial if you plan to keep your car for many years. If you plan to sell the car before the manufacturer warranty expires, it is up to the new owner to decide when to purchase an aftermarket warranty.

How We Picked The Extended Car Warranty Companies

With a spate of auto warranty scams, consumers are naturally wary of trusting these companies. Therefore, we followed a stringent process of evaluating each company on this list.

  • Establishment: We began by shortlisting the companies based on whether they were registered and legitimate. We also looked at their BBB pages to check if the information was up-to-date.
  • Offerings: Next, we scrutinized their websites to understand how their offerings look to the average consumer. A key point-of-difference of a good company from a shady one is transparency and comprehensiveness of information.
  • Plans and Coverage: We compared the plans to ensure they matched the industry standards regarding the range of items, exclusions, and inclusions, additional benefits, the maximum payout, cancelation, etc. Our reviews outline these factors for your convenience.
  • Contract Clarity: We also examined sample contracts for companies offering them.
  • Customer Service: The most extensive part of our process is our studies and analyses of the user reviews gathered from numerous sources like BBB, Trustpilot, and Google Reviews. We have given higher ranks to companies that have more people rating them as convenient, reliable, and hassle-free.

We attempted to reach out to companies that weren’t as transparent and eliminated any that did not offer satisfactory answers.

Disclosure: We may earn a commission for quotes accepted by consumers, but this doesn’t affect the authenticity of our review process.

Frequently Asked Questions (FAQs)

What Are Deductibles?

Deductibles are of two types: per visit and repair.
In the ‘per repair’ deductible, you will pay if a particular vehicle part is repaired or replaced. You will have to pay for every visit in the ‘per visit’ deductible, regardless of the work. The deductible may be paid to the repair facility once the auto warranty provider has authorized it.

How Do I Determine If My Vehicle Is Still Under Warranty?

Finding out if your vehicle is still under warranty is easy. Locate Vehicle Identification Number (VIN) by directly checking with the dealers or checking the vehicle’s warranty information on the automaker’s website. VIN will give you the information on the duration of your warranty.

Is The Auto Warranty Transferable?

When buying or selling a used vehicle, the warranties may or may not be transferred. If a vehicle with a manufacturer’s warranty is sold or purchased, the warranty gets transferred to the new owner.

On the other hand, an extended warranty can be transferred depending on the terms & conditions of the warranty provider.

Is An Auto Warranty The Same As Car Insurance?

No, an auto warranty is a vehicle service contract, while car insurance covers you from incidents like theft, accidents, etc.

Is There A Warranty On Second-Hand Cars?

Whether an extended warranty covers a second-hand car depends on the terms of the sale. If you buy a used car from a dealer, they may provide a warranty if the car’s Buyer’s Guide says so. Otherwise, the sale may be ‘as-is,’ and the dealer may not have to give one. A private seller is likewise not obligated to provide an extended warranty.

Who Regulates Extended Car Warranty Companies?

Each state has its own body for regulating extended auto warranty companies. The companies are also subject to the directions of theService Contract Industry Council, a trade association for the extended warranty industry, and the National Association of Insurance Commissioners.

How To Cancel The Auto Warranty Contract?

You can cancel the auto warranty contract by contacting the company over the phone or by emailing the customer support department. There may be a cancellation fee to pay after the waiting period or a money-back guarantee period.

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