Motor1 Reviews Team Take:

  • Lincoln’s extended warranty coverage ranges from powertrain coverage to the company’s comprehensive PremiumCare, which covers over 1,000 parts.
  • Lincoln extended warranty customers can choose deductibles from $0 to $200, with vanishing deductible options available. 
  • According to RepairPal, Lincoln vehicles are expensive to repair – on average $879 annually – making an extended warranty a budget-smart choice for most owners.

Even the most well-designed vehicles experience the occasional breakdown, and researching your Lincoln extended warranty options could save you hundreds of dollars in repair costs. Below, we cover Lincoln’s extended warranty in detail and compare it to third-party vehicle service contracts (also called extended auto warranties).

Not all third-party providers are reliable. That’s why we’ve researched a number of the best extended car warranty companies on the market and narrowed down our top recommendations. When you connect with a reliable company, the value is worth it. To compare Lincoln extended warranty costs and coverage, we suggest getting quotes from several providers.

Get started below with free quotes from our top picks:

*Based on data from our users.


Lincoln Extended Warranty Coverage

Lincoln Protect Extended Service Plans (ESPs) come in four varieties and cover vehicles up to 10 years/175,000 miles. The highest level of Lincoln extended warranty coverage is called PremiumCare and is comparable to a factory warranty.

Lincoln Extended Warranty Plans

Lincoln extended warranty plans are available in four levels of coverage: PremiumCare, ExtraCare, BaseCare, and PowertrainCare. Coverage kicks in at the end of your Lincoln factory warranty, and each of these plans can extend select protections for your vehicle for up to 10 years or 175,000 from its original in-service date.

Each plan offers different levels of coverage:

  • PremiumCare: This is the most comprehensive Lincoln extended warranty option. It covers over 1,000 key components in total, including all high-tech systems, which is important. Lincoln’s luxury vehicles have a host of connective services that can be expensive to repair.
  • ExtraCare: Covers 113 parts, including some high-tech components, but not all. It also doesn’t cover the rear suspension, and it only offers partial coverage on a number of systems.
  • BaseCare: This Lincoln extended warranty plan covers 84 parts. At this level, the steering system is the only system fully covered. Other systems, like the electrical, brakes, and transmission systems, are only partially covered.
  • PowertrainCare: The lowest ESP that Lincoln offers only covers the bare essentials in the engine, transmission, and drive systems. It can save you from an expensive repair with a high-mileage vehicle, but it doesn’t cover much more.

The cost of a Lincoln extended warranty depends on when you purchase the plan and what deductible you select. Drivers of new Lincoln vehicles can choose deductibles of $0, $50, $100, or $200, which will be waived if you visit your selling dealership for repairs. 

All of these Lincoln extended warranty plans are available for vehicles still within their factory warranty period of 4 years/50,000 miles. Terms range from 3 years/36,000 miles to 10 years/175,000 miles. Plans are transferable to subsequent buyers and can be canceled at any time. You can only get these warranties from Lincoln dealerships, and all repairs have to be done at dealerships as well.



Lincoln Extended Warranty Plan Comparison

See an in-depth comparison of Lincoln extended warranty plans below:

Number of Parts Covered1,000+1138429
Drive Axle
Front Suspension
Air Conditioning
High-Tech Components
Rear Suspension
Safety Features
Lincoln Audio

As you can see, the PremiumCare plan is best for customers who heavily rely on their vehicle and want peace of mind and maximum protection. The ExtraCare and BaseCare plans protect fewer components at a more affordable rate. Finally, the PowertrainCare plan is the best Lincoln extended warranty for drivers who own a highly reliable vehicle.


Lincoln Roadside Assistance

All Lincoln Protect ESPs come with 24-hour roadside assistance. Here’s what that includes:

  • Towing
  • Spare tire replacements
  • Battery jump-starts
  • Lockout assistance
  • Fuel deliveries
  • Destination assistance
  • Rental car reimbursement

If you bought a Lincoln model year 2012 or newer, you have access to roadside assistance for the lifetime of the vehicle. However, that only applies to original owners. If you’re a secondary buyer, you have roadside assistance for the duration of your car’s original powertrain warranty, which is 6 years/70,000 miles.

You can lengthen your roadside assistance coverage with a Lincoln extended warranty. Lincoln Protect ESPs also cover a portion of rental car expenses when your car is in the shop due to covered repairs.


Lincoln’s Premium Maintenance Plan

Lincoln Protect is the product family that includes service and maintenance plans as well as other services like TireCare, DentCare, and WindshieldCare. So far, we’ve talked about service plans that only apply when your car breaks down and you bring it in for repairs. But maintenance plans are different.

Lincoln’s Premium Maintenance Plan covers routine maintenance services like oil changes and tire rotations, as well as some wear items, like wiper blades and filters. Like the extended warranty plans, you have to purchase a Premium Maintenance Plan before your factory warranty period ends.

The Premium Maintenance Plan is basically like prepaid maintenance. The convenience can be great, but you’ll have to consider whether it would be cheaper to pay for services yourself as needed.



Lincoln CPO Warranty

Buying a certified pre-owned (CPO) vehicle is another way to save some money. Lincoln’s CPO warranty extends most factory warranty coverage to 6 years/100,000 miles. Drivers also have the option to get PremiumCare coverage that lasts up to 9 years or 125,000 miles.

Interestingly, drivers of CPO vehicles get an extra year of coverage under a PremiumCare plan, but the mileage limit stays the same. If you want to keep driving your Lincoln past 125,000 miles, it could be a good idea to get a basic third-party service contract to cover the essentials.



Is Lincoln Extended Warranty Worth It?

When you get an extended warranty, you don’t just get a company to cover certain repairs on your vehicle. You also get peace of mind, so you can have more fun just driving your car instead of worrying about it.

Most extended warranties and third-party vehicle service contracts include bonuses like 24-hour roadside assistance or trip interruption benefits. Getting stuck on the side of the road miles from home isn’t fun, so it’s a good idea to get these services sorted out before you’re in that situation.

The same is true about vehicle repairs. Once your manufacturer’s warranty expires, you’ll have to pay for all repairs out of pocket, unless you extend your coverage. To jog your memory, here’s what Lincoln’s new vehicle limited warranty covers:

  • Bumper-to-bumper: 4 years/50,000 miles
  • Powertrain: 6 years/70,000 miles
  • Safety restraint systems: 5 years/60,000 miles
  • Rust perforation: 5 years/unlimited miles
  • Adjustments: 12 months/12,000 miles

When you’re out in the world exploring new terrain in your Navigator, that 4-year/50,000-mile mark can come up pretty fast. It would be unusual for you to experience costly repairs before the warranty is up, but what about after?

Lincoln Repair Costs

RepairPal gives Lincoln vehicles a reliability rating of 3.0 out of 5.0, which is just average. RepairPal also estimates annual repair costs across all Lincoln models to average out at around $879. That’s far more than the industry-wide average annual cost of $652 and even further ahead of Honda, which averaged $428 per year and was ranked by RepairPal as the most reliable automaker. 

To make things worse, Lincoln was ranked second-to-last out of 32 automakers in J.D. Power’s 2023 Vehicle Dependability Study℠

So what do these estimates and scores mean for Lincoln owners? Ultimately, the likelihood of needing repairs increases as any vehicle ages. Lincoln is a luxury brand and its vehicles carry sticker prices that reflect that quality. Combined with the cost of repairs, this means Lincoln drivers pay a steep price for ownership.

According to Edmunds, the estimated cash price for a 2021 Lincoln Navigator is $66,232. Edmunds also estimates the total repair cost for the 2021 Navigator at $3,712 over five years, with maintenance estimated at an additional $6,466 over the same period. All told, Lincoln owners may expect to pay more than $10,000 in addition to the sticker price during the first five years of driving their new vehicles. That doesn’t include insurance, gas, and other standard costs associated with vehicle ownership. 

Here are a few repair costs Lincoln owners could encounter, according to RepairPal:

Lincoln ModelRepairCost
AviatorRadiator replacement$1,233 to $1,358
ContinentalWheel speed sensor replacement$187 to $302
NavigatorRack and pinion replacement$1,195 to $1,300
MkcBrake hose replacement$171 to $197

What Lincoln Drivers Are Saying

In December 2023, our research team polled 1,000 extended warranty consumers to understand driver satisfaction with automaker warranty products. Unfortunately, no drivers with Lincoln warranties responded to our initial survey, so in January 2024, we launched another survey targeting high-income drivers. There were 20 people who responded that had purchased an extended warranty from Lincoln. Here’s what they had to say about their experiences:

  • “I am very happy with it, but it was expensive. It does give me peace of mind if something goes wrong.”
  • “The warranty immediately caught my attention as being very detailed and keeps my maintenance costs low. It is very easy to use.”
  • “The brand’s warranty policy is very comprehensive, covering not only major components such as the engine, drivetrain, and body, but also many other details. My satisfaction with the warranty coverage is very high.”

Several Lincoln warranty holders reported positive experiences with claims:

  • “I had an issue with the lift gate, and they repaired it with no issues.”
  • “I submitted a warranty request and the experience was excellent.”

Of the 20 respondents, 40 percent reported paying between $2,000 and $3,000 for coverage.



Advantages Of Third-Party Providers

Generally, third-party plans can cover most, if not all, of what dealer plans cover, plus they come with more flexibility. Most let drivers visit any certified repair shop they want, for example. The Lincoln extended warranty is one good option, but third-party plans can take coverage even further.

Flexibility is the main thing you get with independent warranty plans. Many providers offer a better variety of coverage than Lincoln. However, the plans aren’t designed with your Lincoln’s unique needs in mind. If a non-covered repair happens to be discovered when you bring your car in, it’s usually cheaper to have an independent shop do the repair instead of the dealer. Also, you can add third-party extended coverage at almost any point in time – even after your factory warranty ends.



Lincoln Extended Warranty: Bottom Line

Before purchasing a Lincoln extended warranty from any source, weigh the pros and cons of a dealer warranty so you can compare them to third-party coverage.

Extended Warranty
Start DateBefore the factory warranty expiresAnytimeAnytimeAnytime
Max Length of Coverage10 years/
175,000 miles
8 years/
200,000+ miles
10 years/
300,000 miles
10 years/
250,000 miles
# of Plan Options4665
Deductible$0 to $200$0 to $200$0 to $200$0 to $100
Trip Interruption
Roadside Assistance
Repair NetworkLincoln/Ford dealers onlyFacilities certified by the National Institute for Automotive Service Excellence (ASE®)ASE-Certified® repair facilities> 30,000 facilities nationwide
Cancellation PolicyRefund if within 30 days
(plus a Lincoln processing fee)
Refund if within 30 daysRefund if within 30 daysRefund if within 30 days
AvailabilityFrom dealerFree, online quoteFree, online quoteFree, online quote

After scouring the vehicle service contract market for good deals, we’ve found a few companies we recommend.

Companies like CarShield and Carchex performed well across multiple categories, including customer service, coverage options, and extra perks. However, our top pick for Lincoln vehicles is Endurance. Endurance has five different plans and an option comparable to Lincoln’s PremiumCare – except it can last longer. Overall, we think it’s the best option for Lincoln drivers.

Learn more in our complete Endurance warranty review, CarShield review, and Carchex review.

*Based on data from our users.



Lincoln Extended Car Warranty: FAQ

Here are some common questions about Lincoln extended warranties:



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.