We rate Endurance as the best extended car warranty provider because it handles claims directly and offers six plans with many benefits.
When your car is out of the factory warranty period, you’re on your own for repairs. The good news is you can extend warranty coverage through your manufacturer or get a vehicle service contract from a company like Endurance to help cover repairs. We’ll cover our picks for the best extended warranty companies below and help you decide if buying one is worth it.
After reviewing 20 companies, we’ve determined that Endurance is our preferred option for extended car warranties.
| Company | Our Rating | Our Award | Coverage Levels |
|---|---|---|---|
| 1. Endurance | 4.8 | Best Overall | 6 |
| 2. Toco | 4.6 | Low Monthly Payments | 4 |
| 3. Everything Breaks | 4.5 | Good for Older Vehicles | 5 |
| 4. autopom! | 4.5 | Best Value | 3 |
| 5. Olive | 4.3 | Easy Online Purchase | 3 |
Keep in mind that only manufacturers can technically offer extended warranties. When coverage is provided by a third-party company, it’s considered a vehicle service contract. This applies to our five top picks, which are all third-party providers. That said, vehicle service contracts can still offer coverage similar to a factory warranty.
Endurance offers a wide coverage selection with unique Endurance Elite benefits like tire repair and collision discount for one year.
| Pros | Cons |
|---|---|
| 6 plans including the Advantage maintenance plan with sub-plans | Not always the cheapest option |
| Direct provider—you only deal with Endurance for claims | Elite benefits are only free for one year |
| Covers vehicles up to 20 years old with no mileage restrictions |
| Research Category | Endurance Rating |
|---|---|
| Coverage | 5.0 |
| Cost and Buying Experience | 4.8 |
| Reputation | 4.7 |
| Customer Service | 4.5 |
| Overall Rating | 4.8 |
Endurance offers six main plan options:
Be aware that plans don’t necessarily cover every component in a system. For example, some air conditioning components under the Secure Plus plan are only covered if other parts also fail. This isn’t uncommon in the industry, which is why it’s important to read and understand the contract.
| Plan | Term | Monthly Cost | Down Payment | Total Cost |
|---|---|---|---|---|
| Advantage Plus | 4 years/75,000 miles | $203.44 for 29 months | $232.00 | $6,132.20 |
| Secure Plus | 4 years/48,000 miles | $138.24 for 29 months | $167.24 | $4,176.20 |
We consider ratings from the BBB and Trustpilot along with trends in customer reviews to rank providers. Endurance has a reliable reputation in the industry with an A- rating from the BBB and a 3.6-star rating from over 9,000 Endurance reviews on Trustpilot
It’s helpful that Endurance has skin in the game. Since it’s a direct service contract provider, it handles everything from quotes to claims. Many other companies are simply brokers that don’t deal with customer service after you buy a plan.
Learn more: Endurance Warranty Review
Toco offers an easy plan structure that depends on your car’s mileage plus low monthly rates on average.
| Pros | Cons |
|---|---|
| Your monthly rate stays the same as the car ages and repairs become more likely | Not as many plan options as some competitors |
| Customer service representatives are thoughtful and personable | Month-to-month plans can become expensive over the long term |
| Covers up to 250,000 miles, which is more than many competitors |
| Research Category | Toco Rating |
|---|---|
| Coverage | 4.3 |
| Cost and Buying Experience | 4.5 |
| Reputation | 4.7 |
| Customer Service | 4.8 |
| Overall Rating | 4.6 |
Here are Toco’s four plans and the mileage range for each:
Toco offers benefits of roadside assistance, rental car coverage, and trip interruption, which are standard for most warranty providers. Through a partnership with Openbay, Toco can help you save up to 25% on repair and maintenance services. This is available even during the waiting period before breakdown coverage kicks in.
| Plan | Term | Monthly Cost | Down Payment | Total Cost |
|---|---|---|---|---|
| Starting at Yellow then Blue and Green by mileage | 250,000 maximum mileage | $79.05 | None | Varies |
Toco has an A+ rating with accreditation from the BBB. The BBB rating scale shows how a brand responds to complaints on the platform, and Toco resolves complaints quickly. The company also has a high 4.4-star rating from Toco reviews on the BBB and a 4.7-star rating on Trustpilot.
Toco’s customer service representatives explain coverage thoroughly in our experience. We didn’t feel rushed or pushed into buying a plan on the phone. When we said we were shopping around, Toco checked to see if veteran or senior discounts would qualify.
Learn more: Toco Warranty Review
| Pros | Cons |
|---|---|
| Offers standard and Elite plan versions to cover luxury models not all companies cover | The monthly price is locked for 30 months but can change after |
| Covers up to 250,000 miles, which is plenty for most drivers | Higher cost for long-term plans than Toco |
| Everything Breaks handles claims directly and administers its contracts |
| Research Category | Everything Breaks Rating |
|---|---|
| Coverage | 4.7 |
| Cost and Buying Experience | 4.5 |
| Reputation | 4.6 |
| Customer Service | 4.2 |
| Overall Rating | 4.5 |
Here are the four standard vehicle service contracts you can get from Everything Breaks:
All plans above have Elite options with slightly different mileage eligibility for luxury vehicles.
We’ll cover the Critical Coverage plan separately since it isn’t exactly an extended warranty. The plan provides a few things:
| Plan | Term | Monthly Cost | Down Payment | Total Cost |
|---|---|---|---|---|
| Topline until 150,000 miles, Powertrain after that | 250,000 maximum mileage | $107.89 | $108.00 | Varies |
Looking at Everything Breaks reviews, the company has an A+ rating with accreditation on the BBB and a 3.4-star rating on Trustpilot. Most positive reviews are about helpful agents during the signup process. We also found Everything Breaks agents to be courteous and helpful, but it was hard to get off the phone when we wanted to continue shopping around.
Learn more: Everything Breaks Review
| Pros | Cons |
|---|---|
| High customer ratings on Trustpilot and the BBB with a reputation for covering claims | Only offers three coverage plans |
| Plans can come with extra benefits like road hazard tire repair | Sample contracts aren’t easy to locate |
| Agents are very pleasant and helpful over the phone | Lower mileage limit than competitors |
| Research Category | autopom! Rating |
|---|---|
| Coverage | 4.2 |
| Cost and Buying Experience | 4.2 |
| Reputation | 4.8 |
| Customer Service | 4.8 |
| Overall Rating | 4.5 |
autopom! keeps things simple and offers three main plans:
Your car is eligible for coverage until 150,000 miles. autopom!’s maximum mileage can be higher than that depending on when you start the plan. The quote we received would cover up to 185,000 miles on the odometer, for example.
autopom! plans can come with different benefits, too. All include roadside assistance, rental car coverage, and trip interruption. Some plans come with road hazard tire repair and maintenance benefits depending on the contract and promotion.
| Plan | Term | Monthly Cost | Down Payment | Total Cost |
|---|---|---|---|---|
| Powertrain Enhanced | 4 years/75,000 miles | $109.73 for 24 months | $139.00 | $2,772.12 |
autopom! stands out in the customer service category as a reliable warranty company. It’s got an A+ rating on the BBB with accreditation and a 4.4-star rating from autopom! reviews on Trustpilot. Positive autopom! reviews on Trustpilot mention the company covering claims and the CEO stepping in to help out when there’s an issue.
When we spoke with autopom!’s customer service rep, we found they took plenty of time to explain what was covered and how payments worked. We didn’t feel rushed or pushed to buy a plan.
Learn more: autopom! Review
You can buy an extended warranty from Olive with just a few clicks on the company’s intuitive website.
| Pros | Cons |
|---|---|
| Easy online process for shopping and purchasing a plan | Only offers three warranty plan levels |
| A+ rating on the BBB | Doesn’t include full roadside assistance or trip interruption |
| Wide range of deductible options to choose from |
| Research Category | Olive Rating |
|---|---|
| Coverage | 4.0 |
| Cost and Buying Experience | 4.7 |
| Reputation | 4.6 |
| Customer Service | 3.8 |
| Overall Rating | 4.3 |
Olive offers three extended warranty plans:
All of Olive’s plans last for three years with a maximum odometer reading of 185,000 miles. You can get a new plan after three years if your car hasn’t reached the mileage limit.
One thing to note is that Olive doesn’t offer full roadside assistance on its plans. Instead, it offers towing reimbursement. This is somewhat uncommon for the industry since most companies include full roadside assistance. Olive also doesn’t offer trip interruption coverage.
| Plan | Term | Monthly Cost | Down Payment | Total Cost |
|---|---|---|---|---|
| Complete Care | 3 years/185,000 miles on odometer | $171.40 for 36 months | First month | $6,170.40 |
| Powertrain Plus | 3 years/185,000 miles on odometer | $128.55 for 36 months | First month | $4,627.80 |
| Powertrain | 3 years/185,000 miles on odometer | $119.98 for 36 months | First month | $4,319.28 |
Olive’s parent company, Repair Ventures, has an A+ rating with accreditation on the BBB. This means it responds to complaints on the platform quickly. The company has a 1.8-star rating on the platform but this comes from only 11 reviews. Olive is a newer warranty company in the industry and it’s in the process of building a reputation.
Learn more: Olive Review
| Plan Type | Description |
|---|---|
| Comprehensive | Also called a bumper-to-bumper extended warranty, this exclusionary plan type covers thousands of parts on all systems of the car. |
| Mid-level | Mid-level stated-component plans can cover hundreds of parts on systems like the electrical, air conditioning, steering, brakes, transmission, engine, and drive axle. |
| Powertrain | A powertrain warranty is a stated-component plan that covers parts in the engine, transmission, and drive axle. |
“This vehicle service contract provides no coverage or benefits for any repair or replacement of any covered part if a breakdown has not occurred or if the wear on that part has not exceeded the field tolerances allowed by the manufacturer.”Now, this is where warranty companies differentiate themselves. Some do advertise that they cover breakdowns due to wear and tear over time. This means you get a higher level of coverage.
Extended warranties usually come with extra perks. From reviewing many warranty providers, we found most include rental car coverage, roadside assistance, and trip interruption with their plans. Some also include extras like road hazard tire repair and free maintenance, but these are less common.
Here are a few more things to be aware of before you purchase an extended warranty:
As we mentioned above, the only entities that can offer true extended warranties are manufacturers. However, many consumers think of manufacturer and third-party plans as the same product. Vehicle service contract providers often use the term extended warranty to describe their coverage options, too.
To make things more confusing, some manufacturers use third-party companies to administer their extended warranties. This means a third party approves the claim and pays for the covered repairs. You can read about the administrator in the fine print for these plans. Safe-Guard Products International is a popular administrator that works with manufacturers like GMC and Cadillac.
You’ll find two types of companies when shopping for coverage: brokers and direct providers. Brokers only sell plans. Once you purchase the warranty, you’ll work with a separate administrator to file claims.
Direct providers sell plans and administer their own contracts. These companies often provide better customer service because their reputation depends on the claims experience.
Below are all 20 warranty providers we’ve ranked in order.
| Warranty Company | Our Rating |
|---|---|
| Endurance | 4.8 |
| Toco | 4.6 |
| Everything Breaks | 4.5 |
| autopom! | 4.5 |
| Olive | 4.3 |
| Omega Auto Care | 4.2 |
| American Dream Auto Protect | 4.0 |
| Alpha Warranty | 4.0 |
| 1800Warranty | 4.0 |
| Assurant | 3.8 |
| EasyCare | 3.7 |
| Route 66 | 3.7 |
| CNA National | 3.7 |
| Ally Premier Protection | 3.6 |
| Safe-Guard | 3.5 |
| Zurich | 3.4 |
| Fenix Protect | 3.4 |
| Fidelity Warranty | 3.3 |
| Concord Auto Protect | 2.9 |
| Select Auto Protect | 2.5 |
| Fair Warranty | Not Rated (New Company) |
| Company | Warranty Plan | Term | Monthly Cost | Cost Per Year of Coverage |
|---|---|---|---|---|
| Endurance | Advantage Plus | 4 years/75,000 additional miles | $203.44 for 29 months | $1,533.05 |
| Endurance | Secure Plus | 4 years/48,000 additional miles | $138.24 for 29 months | $1,044.05 |
| Toco | Plan depends on mileage | Up to 250,000 miles | $79.05 month-to-month | $948.60 |
| Everything Breaks | Plan depends on mileage | Up to 250,000 miles | $107.89 month-to-month | $1,294.68 |
| autopom! | Powertrain Enhanced | 4 years/75,000 additional miles | $109.73 for 24 months | $693.03 |
| Olive | Complete Care | 3 years/up to 185,000 miles on odometer | $171.4 for 36 months | $2,056.80 |
| Olive | Powertrain Plus | 3 years/up to 185,000 miles on odometer | $128.55 for 36 months | $1,542.60 |
| Olive | Powertrain | 3 years/up to 185,000 miles on odometer | $119.98 for 36 months | $1,439.76 |
Whether a warranty for your vehicle is worth it depends on your financial situation, the car’s reliability, and what’s important to you. You can use resources like RepairPal and Edmunds to look up your car’s reliability and expected repair costs. In general, a warranty is more likely to pay out for vehicles with higher repair costs.
A warranty might not be worth it if you already have savings set aside to cover emergency repairs. However, you might still enjoy having peace of mind that some repairs are covered without affecting your monthly budget.
When shopping for an extended auto warranty company, look for sample contracts online. Some providers are transparent with all coverage options while others only provide written details after you sign up for a plan.
Also consider the company’s reputation on the BBB and Trustpilot to see if it has a history of covering claims. Watch out for providers that only have positive reviews about the purchase process but not coverage.
After reviewing 20 companies, we’ve determined that Endurance is our preferred option for extended car warranties.
You can cancel an extended warranty at any time. Reputable companies offer full refunds within a period of time like 30 or 60 days. After that, you’ll get a prorated refund.
We take a methodical approach to rating warranty companies. Here’s what that includes:
Advertiser Disclosure: Consumer Review Center might earn compensation from the companies featured on this page. This compensation could affect the placement, order, and visibility of products, but it does not affect the recommendations made by the editorial team. Not every company, product, or offer has been reviewed.
Endurance is the nation’s leading provider of extended auto warranties. They administer their own contracts and have clearly defined coverage options. There is never any secret as to what coverage you have purchased.
New extended car warranty company Fair partners with online car retailers and financial institutions to provide affordable plans with quick claims service.
Written by Industry Expert How we rank extended warranty providers Advertiser Disclosure In This Article Read our autopom! review to see if the warranty company’s plans are worth considering to cover mechanical breakdowns on your vehicle. Key Points: We rate autopom! 4.5 out of 5.0 and name it Best Value
Written by Industry Expert How we rank extended warranty providers Advertiser Disclosure In This Article Find out why Olive’s easy online process and simple extended warranty plans make it a great option in our Olive warranty review. Key Points: Olive is one of the few companies that offers quotes 100%
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