BMW Extended Warranty Coverage
The BMW extended warranty program is known as BMW Ultimate Protection. Depending on which level of coverage you choose, protection can range from a basic powertrain warranty up to a comprehensive bumper-to-bumper warranty.
Consider whether you want protection for just the basics of your BMW – like its engine, transmission, and drive axle – or if you’re more comfortable knowing that your electrical, fuel, steering, and navigation systems are safe from a mechanical breakdown as well.
How Long Is A BMW Extended Warranty?
You can choose between 75,000– or 100,000-mile terms that extend your factory warranty by one, two, or three years. This translates to either five, six, or seven years of total coverage.
As with extended warranties from other automakers, the total coverage terms described above include the length of the BMW factory warranty. For example, if you purchase a 7-year/100,000-mile warranty, you’re only adding 3 years/50,000 miles of coverage. If you get a warranty for 5 years/75,000 miles, you’ll get an extra 1 year/25,000 miles of coverage.
BMW Extended Warranty Plans
BMW showcases three different extended warranty plans on its main web page: Platinum, Gold, and Powertrain Plus. See the table below for descriptions of each plan:
For further context of BMW extended warranty options, the graphic below shows the major differences between the two most popular coverage choices in the extended warranty industry: the bumper-to-bumper contract and the powertrain plan.
BMW CPO Extended Warranty Plans
If you own a BMW CPO vehicle or a used car, you can purchase the same extended service contracts as for new BMWs. However, the highest coverage tier is only available for new and CPO vehicles while mid-level and powertrain plans are offered to new, CPO, and used vehicles. Note that the mileage limit for extended protection on a CPO vehicle is unlimited compared to the limits set for new and used BMWs.
BMW Extended Warranty Benefits
In addition to covered repairs, customers who purchase extended coverage get access to 24-hour BMW emergency roadside assistance. This includes services like battery jump–starts, lockout services, towing, and tire changes. A BMW vehicle service contract (VSC)* also includes genuine BMW parts from the manufacturer in the event of a warranty claim.
With a BMW extended warranty you’ll receive covered repairs at authorized BMW facilities by trained BMW technicians. This means that your vehicle’s performance and resale value will be protected as the car gets repaired with original BMW parts.
BMW Extended Warranty Limitations
Coverage for extended service contracts under the BMW Ultimate Protection program is limited to material and workmanship defects. For specific details, refer to the BMW extended vehicle protection contract application and ask your local dealer any questions. If you’ve already purchased coverage, the service contract contains all of the specifics of your agreement.
BMW Extended Warranty Eligibility
If you buy a new or CPO BMW, you can add BMW extended warranty coverage at the time of purchase or at any point before the original factory warranty expires. It’s generally recommended to purchase an extended warranty plan before the factory warranty expires in case a costly repair occurs after the fact.
BMW Extended Warranty Exclusions
Even though a BMW extended vehicle protection plan covers most major components, contract holders aren’t entirely off the hook for repair costs. Most BMW extended warranties, both from the manufacturer and from third-party providers, exclude the following items:
- Regular wear and tear items like wiper blades and brake pads
- Damage from owner abuse or neglect
- Damage from improper repairs
- Repairs to vehicles modified with aftermarket components
- Damages covered by an insurance provider like collisions, acts of nature, and theft
- Regular maintenance services
If you’d prefer to have routine maintenance costs covered, it may be worth opting for the BMW Ultimate Care program.
BMW Extended Warranty Cost
Because BMWs are expensive to maintain compared to other vehicles, BMW extended warranties tend to be relatively expensive as well. Not everyone pays the same price for peace of mind with BMW extended warranties, however.
In 2023, our team surveyed 1,000 people who had purchased an extended warranty from the manufacturer. The survey included warranty customers from across the U.S. Out of the total number, 88 respondents were BMW owners.
We asked how much respondents had paid for their warranties, and here are the results:
- 8 percent paid under $1,000
- 19 percent paid between $1,000 and $2,000
- 22 percent paid between $2,000 and $3,000
- 51 percent paid over $3,000
Compared to other vehicle brands that people had on our survey, there were more BMW owners who paid over $3,000 for their plans. For example, only 13 percent of Hyundai owners paid over $3,000. That said, you’d expect a BMW warranty to cost more because it covers imported European components and specialized service.
While these real-world cost examples are helpful, note that the cost of your specific BMW extended warranty will depend on factors such as:
- The model, age, and mileage of your vehicle
- The level of coverage you choose
- Contract term limit
- The deductible amount
- The BMW dealer you purchase the warranty from
Extended Car Warranty Cost
Our team’s warranty research and mystery shopping experiences have uncovered that the average extended car warranty cost is $3,026 in total. This average was calculated using quotes from the top eight providers in our industry-wide review. See the table below for a breakdown of average price by coverage level for an extended auto warranty:
Do You Need A BMW Extended Warranty?
An extended warranty from BMW can provide additional protection for your vehicle for up to 100,000 miles. However, the BMW extended warranty is relatively average in the industry, as warranties from other automakers provide more comprehensive coverage and extra benefits. While BMW’s Platinum coverage is similar to what’s offered by third-party bumper-to-bumper warranties, you may get a better price, longer terms, and better perks with an aftermarket warranty provider.
Manufacturer Vs. Third-Party BMW Extended Warranties
While extended warranty protection from BMW can afford you peace of mind on the road, third-party providers often do the same for less money. Benefits of an independent vehicle service contract for your BMW include:
BMW Warranty Overview
To decide if you need an extended warranty, it’s important to know what coverage you already have. Every new car sold by BMW comes with a comprehensive bumper-to-bumper warranty that covers almost the entire vehicle for 4 years or 50,000 miles, whichever comes first. All new BMWs also come with a 12-year corrosion and rust warranty along with four years of roadside assistance services.
Unlike warranties from luxury brands like Genesis, Infiniti, Cadillac, and Acura, BMW doesn’t provide additional powertrain coverage beyond its basic new vehicle warranty of 4 years/50,000 miles. For this reason, many owners seek additional coverage through a BMW extended warranty.
BMW Factory Warranty Coverage
To quickly summarize, all new BMWs come with the following coverage features:
- Basic coverage: 4 years/50,000 miles
- Powertrain coverage: 4 years/50,000 miles
- Corrosion and rust coverage: 12 years/unlimited miles
- Roadside assistance: 4 years/unlimited miles
- Federal emissions warranty: Up to 8 years/80,000 miles
BMW Certified Pre-Owned (CPO) Warranty
If you purchase a certified pre-owned vehicle from BMW, you’ll get whatever coverage remains on your car’s original 4-year/50,000-mile warranty along with an added year of coverage. This BMW certified pre-owned warranty also includes travel protection from BMW roadside assistance.
BMW Average Repair Costs
BMW maintenance costs and reliability are major factors to help you determine whether a BMW extended warranty is worth it. That said, as many owners are well aware, BMW repair and maintenance costs are expensive for nearly all models.
According to RepairPal*, the average yearly repair cost for a BMW is $968. While the specific cost varies by model, this is 48 percent more than the average $652 repair cost across makes and models from all automakers.
Common BMW Car Repairs
Common problems for a BMW 325i and their typical repair costs include:
Powertrain issues generally occur with older vehicles, and they’re among the most expensive repairs. For example, RepairPal estimates that a rack and pinion replacement on a BMW 528i typically costs between $2,773 and $4,563. Considering a BMW extended warranty to cover your car’s powertrain is a wise decision.
Remember that maintenance and repair costs could be higher in areas like New York and California than in cheaper locales like Texas or Ohio. While your monthly payments won’t vary much from state to state, that’s not necessarily true of the repair costs you could face.
*RepairPal is a trusted site that analyzes average repair prices, part replacement costs, maintenance costs, recalls, and mechanical problems across many auto manufacturer brands and models.
BMW Reliability Scores
For the brand as a whole, BMW performed about average in the J.D. Power 2023 U.S. Vehicle Dependability Study℠. While the industry norm is 186 problems per 100 vehicles, BMW owners report an average of 184 problems per 100 cars. This puts BMW ahead of Mercedes-Benz, Jaguar, Audi, and Acura but behind Lexus and Genesis. RepairPal paints a more worrying picture, giving the brand 2.5 out of 5.0 stars and ranking it 30th of 32 car brands for reliability.
While these statistics offer a pretty convincing case for buying a BMW extended warranty, the value of actually getting one depends on your personal circumstances and needs.
Is A BMW Extended Warranty Worth It?
Director of marketing at Endurance, Jessica Campbell, makes the point that, “Whether or not an auto protection plan or extended warranty is ‘worth it’ largely depends on a vehicle owner’s needs and the quality of the vehicle itself.”
This means your individual situation and personal goals play a large part in whether or not a BMW extended warranty is right for you.
If you already have a BMW factory warranty or a CPO warranty, there’s no good reason to purchase extended coverage until it gets close to the original warranty’s expiration date. If you’re leasing a BMW, you shouldn’t be concerned with the BMW extended warranty unless you actually plan on purchasing the vehicle at the end of the lease.
You should take BMW maintenance costs into account as you consider how long to keep the vehicle. It’s also smart to consider purchasing an extended warranty if you can’t afford an unexpected $2,000 to $4,000 repair to your BMW.
Depending on factors like how much you drive, your make and model of BMW, and what region of the country you live in, a manufacturer-backed extended warranty may not have the right amount of coverage to fit your budget and needs. As mentioned earlier, aftermarket coverage can provide you with more extended warranty options and greater flexibility.
What BMW Owners Say
In our 2023 survey of people who had manufacturer extended warranties, we also asked about their satisfaction with the plans. The majority of BMW owners were happy with their plans. Here’s what a few respondents who had a positive experience said:
- “I am pretty much satisfied with everything about it.”
- “I am very satisfied so far because I get my services for free.”
- “It’s good coverage – I only pay a small fee every time [the car] has to have work done.”
That said, some expressed disappointment:
- “Not really [satisfied] because it was a fight to get the local dealer to do anything that was needed.”
- “Not at all [satisfied]! It was a hassle, everything was denied or deemed not necessary for repairs.”
Extended warranties don’t cover everything, so there’s always a chance a repair won’t be covered. We always recommend reading the fine print in full before the money-back period is over to understand what’s covered.
BMW Extended Car Warranty: Bottom Line
In this article, we analyzed BMW extended warranty pricing and coverage options along with typical maintenance costs. While the BMW extended warranty provides manufacturer-backed coverage and uses genuine BMW replacement parts, these plans are usually far pricier than average.
If you’re on the fence about getting coverage from BMW itself, we recommend that you ask for free quotes from third-party warranty companies. The top-rated providers from our comprehensive review are Endurance, Carchex, and CarShield – they’re all excellent options. As you research alternative providers, consider customer service scores on sites like the Better Business Bureau (BBB) and Trustpilot.
BMW Extended Auto Warranties: FAQ
Below are some frequently asked questions about the BMW extended warranty:
In an effort to provide accurate and unbiased information to consumers, our expert review team collects data from dozens of extended auto warranty companies to formulate rankings of the best providers. Companies receive a score in each of the following categories, as well as an overall weighted score out of 5.0 stars.
- Industry Standing: Warranty providers with a history of strong business practices and endorsements from experts receive the highest scores in this category.
- Coverage: This rating is based on types of extended warranty plans available, coverage terms, and added benefits like roadside assistance.
- Cost: Our research team reviews sample quotes for a variety of plans and vehicles. Companies with lower prices per year of coverage receive the best scores.
- Transparency: This score takes into account contract transparency and the availability of a money-back guarantee.
- Customer Service: We comb through customer reviews and perform our own shopper analysis to get a sense of the responsiveness and helpfulness of each warranty company.
*Data accurate at time of publication.
*VSCs are technically not extended warranties, but serve the same function. VSCs are often created by separate companies (though offered and sold through dealerships) – and have their own regulations. However, VSCs can be considered as extended warranties when offered by auto manufacturers.