A used car warranty is a contract that pays for auto repairs if specified parts break or fail. Buying from the most reliable used car warranty companies can help you get the best value out of a plan and avoid scams.
The best extended car warranty companies are known for paying out claims on repairs and parts that are under contract. That's important if you want to add coverage to your used car. We've performed extensive research into the industry's best used car warranty companies. Read on to learn more about our top picks.
In this article:
- 9 Best Used Car Warranty Companies
- How Much Is A Warranty On A Used Car?
- What Is A Used Car Warranty?
- Do Used Cars Come With A Warranty?
- What To Look For In Used Car Warranty Companies
- Is A Used Car Warranty Worth It?
- FAQ: Used Car Warranties
9 Best Used Car Warranty Companies
From warranty plans to what customers have to say, there’s a lot to consider when comparing used car warranty companies. These nine providers are among the highest rated in areas such as industry standing, coverage options, cost, transparency, and customer service. All of our top picks offer 30-day money-back guarantees as well.
|Best Used Car Warranty Companies||Award||Our Rating||Coverage Levels|
|#1 CARCHEX||Best For Used Cars||4.4 stars||5|
|#2 Endurance||Best Coverage||4.6 stars||6|
|#3 Protect My Car||Best Maintenance Benefits||4.3 stars||3|
|#4 CarShield||Best Value||4.2 stars||6|
|#5 autopom!||Best Claims Process||4.2 stars||4|
|#6 Concord Auto Protect||3.9 stars||3|
|#7 Olive||Best Online Warranty||4.2 stars||3|
|#8 ForeverCar||4.1 stars||4|
|#9 Toco||3.8 stars||3|
#1 CARCHEX: Best For Used Cars
CARCHEX has been in business for more than 21 years and is known for its strong industry reputation. The Better Business Bureau (BBB) rates CARCHEX at A+, and the extended warranty provider partners with experts such as Edmunds.com and Kelley Blue Book. With coverage for vehicles with up to 250,000 miles, CARCHEX is one of the best choices among used car warranty companies.
|CARCHEX Warranty Pros||CARCHEX Warranty Cons|
|Customizable coverage, including plans for high-mileage vehicles||Limited coverage for luxury vehicles|
|Strong reputation for quality customer service|
|Flexibility with repair shop choices|
CARCHEX works with highly rated administrators such as American Auto Shield to offer various plan options. There are five extended warranty plans available with CARCHEX:
- Titanium: Exclusionary protection similar to a bumper-to-bumper factory warranty
- Platinum: The highest level of stated-component coverage
- Silver: Protection for all major systems and a good choice for vehicles with over 60,000 miles
- Gold: Enhanced powertrain coverage for major components
- Bronze: Basic powertrain coverage for high-mileage vehicles
Perhaps the greatest strength of CARCHEX is its commitment to customer service. The company is highly reviewed by customers for its efficient claims processing.
Read more in our full CARCHEX review.
#2 Endurance: Best Coverage
Among used car warranty companies, Endurance is our top recommendation for comprehensive coverage and exceptional service. The extended car warranty company serves every state except California and has overall positive reviews and some of the best benefits in the warranty industry.
|Endurance Warranty Pros||Endurance Warranty Cons|
|Direct provider, meaning you’re not dealing with a middleman||Unwanted robocalls|
|Select Premier plan specifically for older vehicles||Recurring customer complaints of delayed or denied coverage|
|Positive online customer experience for basic services||No corrosion coverage|
|Discounts for state and federal employees and United States military personnel|
Endurance holds a place on the 2019 Inc. 5000, the most prestigious ranking of the nation’s fastest-growing companies, and has sponsored professional sportscar driver Jarett Andretti of Andretti Autosport.
An Endurance extended car warranty covers 200,000+ miles, and you have access to six plans with varying levels of coverage:
- Supreme: Bumper-to-bumper exclusionary warranty that covers most components of your car
- Superior: Stated-component coverage for hundreds of parts
- Secure Plus: Enhanced powertrain plan that covers steering, electrical, and braking systems
- Secure: Most affordable plan focused on protecting essential components
- Select Premier: Protection for high-mileage vehicles
- EnduranceAdvantage™: Covers mechanical breakdowns as well as maintenance such as oil changes and engine diagnostics
With every Endurance auto warranty, you get one free year of Endurance Elite Benefits, which include perks such as:
- Tire repair or replacement
- Key fob repair or replacement
- Collision discount
- Total loss protection
- 24/7 roadside assistance
Learn more about the provider in our complete Endurance warranty review.
#3 Protect My Car: Best Maintenance Benefits
Protect My Car is unique on our list of top used car warranty companies because it offers traditional extended warranty coverage and maintenance plans to help pay for regularly scheduled maintenance. The company has been in business for 16 years and boasts overall positive reviews.
|Protect My Car Warranty Pros||Protect My Car Warranty Cons|
|Access to PMC Rewards, a shopping and dining discounts reward program||Typical plans don't cover cars more than 13 years old|
|24/7 roadside assistance included with all warranty plans||Difficult to get a quote in a timely manner based on our review team's secret shopper analysis|
|Flexible payment terms||Plans not offered in Alaska, California, Hawaii, Missouri, Oklahoma, or Washington|
|Ambassador Maintenance Plans for cars over 13 years old|
Protect My Car offers three extended warranty options that can cover your vehicle for up to 125,000 miles. Owners of used cars beyond 125,000 miles should look into the company's Ambassador Maintenance Plans for discounts on routine maintenance and repairs.
- Supreme: Coverage for most vehicle systems
- Select: Coverage for major vehicle systems and a good choice for vehicles with over 50,000 miles
- Driveline: Enhanced powertrain coverage for essential systems
Read up on both types of coverage in our Protect My Car review.
#4 CarShield: Best Value
The most popular used car warranty company, CarShield is known for its low prices and complete coverage. It's the only provider on our list to offer coverage for motorcycles and ATVs, and it has a plan specifically for high-tech vehicles. Used cars can get coverage for up to 300,000 miles.
|CarShield Warranty Pros||CarShield Warranty Cons|
|Numerous plan choices||Low customer score on the BBB website|
|Flexible payment plans and terms||Some customers report quotes only relayed by calls rather than emails|
|Plans for high-mileage used cars, such as the Platinum plan|
All CarShield plans come with roadside assistance, rental car reimbursement, and trip interruption coverage. Here are the plans you can get for cars:
- Diamond: Bumper-to-bumper warranty offering comprehensive coverage
- Platinum: Stated-component plan that covers the engine, transmission, electrical system, air conditioning, and more
- Gold: Mid-level plan covering a variety of essential systems
- Silver: Basic powertrain coverage for your engine, transmission, and drivetrain
- Aluminum: Coverage for high-tech electronics
See more about the provider in our CarShield review.
#5 autopom!: Best Claims Process
Known for its great customer service yet a relative newcomer to the extended car warranty industry, autopom! is a solid choice for a used car warranty. This used car warranty company has high ratings from industry experts, including an A+ rating from the BBB, and regularly receives positive reviews from customers.
|autopom! Warranty Pros||autopom! Warranty Cons|
|High ratings in online reviews||Limited coverage for luxury vehicles|
|Low-pressure quotes process||High deductibles|
|Helpful claims agents who work as advocates for customers|
With autopom!, you can get four types of extended warranty plans:
- Exclusionary: Covers the most mechanical and electrical components for your vehicle
- High-Level: Named-component plan with coverage for the engine, transmission, steering, fuel system, and more
- Mid-Level: Coverage for the most important systems of your vehicle
- Powertrain Plus: Enhanced powertrain coverage for the engine and more
Read our autopom! review for more information.
#6 Concord Auto Protect
Concord Auto Protect is newer than many other used car warranty companies. We like this provider because of its higher reimbursement limits for benefit services such as rental car coverage. We named Concord the best for luxury cars because the provider offers warranty coverage for exotic car brands, including Bentley and Maserati. Most auto warranty providers will not cover these vehicles.
|Concord Warranty Pros||Concord Warranty Cons|
|High rental car reimbursement||Not backed by an insurance provider|
|Positive customer reviews and BBB rating||Not as many years in business as other providers|
|Zero-interest payment programs|| |
|Money-back guarantee|| |
Concord offers three coverage plans:
- Premium: Covers most vehicle components except a list of exclusions, similar to a bumper-to-bumper warranty
- Advanced: Provides mid-level coverage for the engine, transmission, brakes, steering, suspension, and electronics
- Powertrain: Repairs essential systems including the engine, transmission, and brakes and select electrical components
Each Concord plan comes with benefits including roadside assistance, rental car benefits, and trip interruption reimbursement.
To learn more, read our full Concord Auto Protect review.
#7 Olive: Best Online Warranty
Olive is a digital used car warranty company that allows customers to buy and manage their warranties entirely online. While the company was founded in 2020, the owners have been in the car warranty business since 2000.
Repair Ventures, LLC, which owns the Olive trademark, has an A+ rating from the BBB. Olive also has a Google review score of 4.6 out of 5.0. Customers are pleased with the easy sign-up process and low costs. We named Olive Best Online Warranty for 2022.
|Olive Warranty Pros||Olive Warranty Cons|
|RepairPal Certified shops partner||Only three years of coverage at a time|
|Low monthly payments and overall cost||No coverage for rideshare vehicles|
|No waiting period or inspection required|
|4.6-star Google review rating|
Olive offers three levels of coverage. Contracts are only available for three-year periods but cover vehicles with up to 185,000 miles.
- Complete Care: A bumper-to-bumper warranty that covers most vehicle components minus a short list of exclusions
- Powertrain Plus: Covers powertrain components and a few other critical systems such as steering, suspension, air conditioning, and electrical parts
- Powertrain: Basic powertrain coverage for the engine, transmission, drive axle, and fuel system
All plans include a towing benefit and rental car reimbursement. While Olive warranties are shorter than most, they cover high-mileage vehicles and can be less expensive than many competitor options.
Read our full Olive warranty review to learn more.
Founded in 2011, ForeverCar is another newer used car warranty company. ForeverCar offers short and medium-length contracts with no mileage restrictions. By offering shorter contracts, it can keep prices low.
ForeverCar has great ratings across review sites such as Trustpilot and the BBB. On Trustpilot, the company scores 4.8 stars out of 5.0 from over 3,500 reviews. On the BBB website, ForeverCar has an A+ rating and accreditation. It does have a 1.5-star customer rating on the BBB site, but that score is the average of fewer than 10 reviews.
|ForeverCar Warranty Pros||ForeverCar Warranty Cons|
|Four plans||All plans for three years maximum|
|Unlimited mileage contracts||No coverage for vehicles over 150,000 miles|
|High customer review scores||Doesn't cover vehicles older than 2010|
|Direct payment to repair facilities|
ForeverCar customers have four plans from which to choose. Each plan comes with an unlimited mileage limit, but each plan is also limited to three years. That means you'd have to purchase a second plan if you want to cover your car beyond three years.
- Platinum Plus: Comprehensive coverage plus coverage for some wear items such as brake pads and headlights
- Platinum: Comprehensive coverage for mechanical breakdowns
- Gold: Mid-level plan for major systems including some high-tech parts
- Silver: Covers the powertrain plus some other important systems such as steering and suspension
Like many other providers, ForeverCar includes roadside assistance, rental car reimbursement, and trip interruption coverage with its used car warranties.
Learn more in our full ForeverCar review.
Based in California, Toco Warranty Corporation has been in business since 2013. It offers a variety of plans that can cover new and used vehicles.
Toco has a high customer rating of 4.4 out of 5.0 stars on the BBB website. It also has an A+ rating from the BBB and is accredited by the organization. Toco has had fewer than 60 complaints in the last three years, which is a relatively small number.
|Toco Warranty Pros||Toco Warranty Cons|
|A+ rating from the BBB with accreditation||Not available in Alaska, Missouri, or Washington|
|Covers most vehicles||Only three plans|
|4.4-star customer review rating on the BBB site|
|Drivers can choose any repair shop|
Toco offers three plans, which aren't as many as some providers. However, the three plans cover most of the bases that people are looking for in used car warranties.
- Orange (exclusionary): Bumper-to-bumper plan that covers almost any mechanical breakdown and is available for used cars under 5 years or 60,000 miles
- Yellow (mid-level): Middle-of-the-road option covers most major systems and is available for vehicles under 10 years or 100,000 miles
- Blue (powertrain): Powertrain coverage for essential components on vehicles under 20 years or 175,000 miles
All Toco warranties come with roadside assistance, rental car reimbursement, trip interruption, and hotel discounts. The last perk lets you book stays through Hotels.com for a five percent rebate after sending a receipt to Toco.
Read our Toco warranty review to learn more.
How Much Is A Warranty On A Used Car?
The cost of a used car warranty varies from provider to provider. A four-year bumper-to-bumper warranty can cost anywhere from $1,500 to $4,500. Some warranty providers ask you to pay the entire cost up front, while others allow you to pay $100 to $200 per month.
To give you some idea of used car warranty cost, we provide a few bumper-to-bumper warranty quotes from several of our recommended providers in the table below. Contracts are for a 2017 Honda CR-V with 45,000 miles on the odometer.
|Provider||Plan Name||Plan Length||Monthly Cost||Total Cost|
|Endurance||Supreme||5 years/100,000 miles||$86 for 36 months||$3,282|
|CarShield||Diamond||Unlimited||$129.99 monthly||Depends on plan length|
|CARCHEX||Titanium||6 years/125,000 miles||$105 for 24 months||$2,520|
|Protect My Car ||Supreme||Up to 75,000 miles||$83.86 for 36 months||$3,018.96|
|autopom!||Exclusionary Plan||5 years/75,000 miles||$115.94 for 24 months||$3.077.56|
|Concord Auto Protect||Premium||5 years/60,000 miles||$2,275 up front||$2,275|
|Olive||Complete Care||3 years||$45.31 for 36 months||$1,559.16|
|ForeverCar||Exclusionary||3 years||$52.50 for 36 months||$1,890|
|Toco||Exclusionary||3 years/75,000 miles||$57.36 for 36 months||$2,064.96|
All quotes above include a $100 deductible except for the Concord Auto Protect quote, which includes a $0 deductible, and the ForeverCar quote, which includes a $250 deductible. Depending on the extended car warranty plan, some companies require down payments of up to $300.
The quotes you receive may vary. The best way to find out how much a vehicle service contract will cost you is to reach out for a free quote.
What Is A Used Car Warranty?
A used car warranty is a contract that promises to pay for the cost of certain car repairs. These warranties work similarly to the manufacturer's warranty. When you experience a mechanical breakdown, you take your vehicle to a licensed repair shop for diagnosis. If your repair is covered by your warranty, the administrator will pay the repair shop, minus your deductible.
Where Can You Get A Used Car Warranty?
There are two main places to shop for used car warranties: a dealership or a third-party provider.
Dealership Extended Warranties
Many car owners buy extended warranties from dealerships when they purchase their vehicles. Dealers usually work with trustworthy used auto warranty administrators, but that's not always the case. Aside from that, the dealer may only work with one or two warranty providers, which doesn't give you much choice when shopping for coverage.
Third-Party Extended Warranties
Getting a used extended car warranty from a third-party provider such as Endurance or CARCHEX gives you more freedom than shopping at a dealer. You can take time to compare plans from multiple companies. You also don't have to make up your mind when you're sitting at the dealership itching to get into your new ride.
Levels Of Used Car Warranty Coverage
Several levels of warranty coverage are available to drivers, each promising to pay to repair or replace certain vehicle parts. From comprehensive coverage to just the essentials, here’s an overview of the types of used car extended warranties:
- Bumper-to-Bumper: A bumper-to-bumper warranty is most similar to the manufacturer’s original warranty and covers any part except for a list of exclusions.
- Mid-tier: These plans protect most major components such as the air conditioning and electrical systems, but they aren't as comprehensive as bumper-to-bumper plans.
- Powertrain: A powertrain warranty covers the most essential systems the car needs to function, including the engine, transmission, and related components.
If you want to ensure your car stays in good condition for years to come, a bumper-to-bumper warranty is likely best for you. On the other hand, if you are only concerned with your used car’s essential systems, you may want to opt for powertrain coverage.
What A Used Car Warranty Won't Cover
It's important to note that warranties are intended to pay for repairs when car parts fail or break as the result of normal use. This means a used car warranty doesn't pay for damages resulting from an accident or improper maintenance. Providers generally exclude damage that would be covered under car insurance or wear-and-tear parts such as brake pads, wiper blades, and tires.
Vehicle protection plans don't cover any of the following:
- Regular maintenance
- Unauthorized repair bills
- Repairs that upgrade the car
- Aftermarket parts
- Cosmetic items such as paint, glass, and fabric
- Parts covered by the car's manufacturer
Do Used Cars Come With A Warranty?
When you buy a used car, it may still be under factory warranty, as many of these warranties are transferable to new owners.
The dealership is required to post a buyer's guide on each vehicle it sells. This guide will clearly state whether the vehicle comes with any type of warranty. Beware of verbal warranty promises not included in the buyer's guide.
If the buyer's guide says the car is sold "as-is," the dealership has no responsibility to cover any type of repair after you buy the car. Some dealers provide short 30-day warranties, but these usually only cover basic components and require you to visit the selling dealer for repairs.
However, there's one type of car virtually guaranteed to have a warranty: a certified pre-owned vehicle.
Shop Certified Pre-Owned (CPO) For Factory Warranty Coverage
A certified pre-owned vehicle is a used vehicle that has been inspected by the manufacturer and then approved for a longer warranty term. CPO inspection checklists can include hundreds of items. Since factory-trained technicians inspect the vehicles, you can have confidence that the cars are in good condition. Of course, you'll pay slightly more for a CPO vehicle as well.
A CPO warranty comes along with the vehicle for free. You don't have to purchase anything extra (though many manufacturers will give you the option to add more years of coverage).
Typically, a CPO warranty includes powertrain coverage for several years plus bumper-to-bumper coverage for a shorter period. Manufacturer warranties such as Kia's 100,000-mile powertrain warranty that get cut short for secondary buyers are often reinstated for the full term for CPO buyers.
Do You Need A Used Car Warranty?
If your used car didn't come with a warranty or it's nearing the end of coverage, you might consider a used car warranty. Use sites such as RepairPal.com and Edmunds.com to estimate your yearly repair and maintenance costs. If they don't sound manageable, a monthly warranty payment can spread some of that ownership cost out over time.
Your car insurance company may offer mechanical breakdown insurance as an option. This is similar to an extended warranty, but most programs don't cover vehicles past 100,000 miles. This might not be the best option for a used car. Our recommendation is to compare third-party warranty providers if you decide to shop for a plan.
What To Look For In Used Car Warranty Companies
The used car warranty market can be overwhelming to consumers, with hundreds of providers and plans available, varying payment and claim structures, and confusing fine print. Before contacting used car warranty companies for quotes, it’s important to understand the landscape and reflect on your needs.
Questions To Ask When Shopping Around
Along with big-picture questions such as the level of vehicle protection you want and how much you’re willing to pay, here’s a short list of questions to ask during your search:
- Is the used car warranty company known for reliable and fast customer service?
- Does the company have high ratings from expert sources?
- What are consumers saying in online reviews?
- Can you file claims on the weekend?
- How many years has the company been in business?
- Do the customer service representatives seem more eager to make a sale than meet your needs?
- Are warranty plans transferable?
- Are there restrictions, limitations, or inconveniences outlined in the fine print of the provider’s contracts?
Benefits To Using Third-Party Companies
While there’s only one manufacturer for your car, there’s an abundance of used car warranty companies that offer flexibility in price, repair shop, terms and conditions, and coverage. Here’s an overview of what to expect from a third-party extended car warranty provider and why you might opt for one:
- Repair facility options: Most used car warranty companies allow car owners to choose from a list of approved repair shops where they want their vehicles serviced.
- Added perks: Third-party warranty customers may receive additional benefits, such as roadside assistance, towing, and gas delivery.
- Coverage choices: A greater variety of plans is available from third-party companies, which typically offer tiered contracts that vary in length and coverage.
- Transferability: Almost all third-party car warranty plans are transferable, which could increase the appeal and value of your car for future buyers.
There are some drawbacks to extended warranty coverage. Choosing an independent warranty provider means you won't get access to genuine manufacturer parts. Additionally, there's no guarantee all your warranty claims will be covered, regardless of the provider. There's also the chance you'll buy coverage and never need to use it.
How To Find The Right Third-Party Used Car Warranty Company
If you are thinking about purchasing a used car warranty, here are some tips that can help you identify the right provider:
- Reputation: The used car warranty company’s reputation is key. Much of your satisfaction with the warranty plan will depend on how helpful customer service representatives are throughout the entire process, from choosing your plan to submitting a claim.
- Industry reviews: Trusted review websites, such as the BBB and Trustpilot, can provide insight into customers’ experiences and help you find the best used car warranty.
- Coverage terms: Consider how much longer you plan to keep the vehicle, what parts you need covered, and what it would cost to cancel or transfer coverage.
- Price: The used car warranty company should be able to provide a coverage level at a price you’re comfortable with, and the plan should be as flexible as possible, with $0 deductible options and your choice of repair shop.
Is A Used Car Warranty Worth It?
Extended warranties for used cars can be worth the cost for drivers who want to make small monthly payments over time rather than paying for repairs as they're needed.
The cost of a used car warranty depends on several factors, such as:
- The provider
- The make and model of your vehicle
- The type of warranty and level of coverage you select
- The deductible amount
While some states have enacted laws like the New York State Lemon Law (which requires dealers to give consumers written warranties) to protect consumers from bad used car purchases, other areas of the country leave consumers with little protection in the used car market.
Even diligent consumers who do things such as check recall history on government sites, ask about dealerships' used car sales policies, and have the vehicles they're considering purchasing inspected by independent mechanics can experience hidden defects.
What Drivers Say About Used Car Warranties
Our research team recently polled 1,000 consumers who have purchased or considered purchasing extended car warranties. Here are some of the takeaways:
- Satisfaction: Over 41 percent of the customers in our survey said they were satisfied with their extended warranty because it covered needed repairs. Another nearly 24 percent said they were satisfied with the providers despite never filing a claim.
- Value: Our survey found that 40.5 percent of those polled thought buying an extended warranty was worth it, and 44.6 percent said "it depends." That leaves 14.9 percent of consumers who felt an extended warranty isn't worth the investment.
Another thing we found in our survey was that cost is the most important factor to consumers contemplating buying extended warranties. The length of the warranty and covered components ranked similarly for importance among potential customers.
Compare Providers To Find The Best Coverage
If you purchase a used car no longer protected under the car’s original factory warranty, an extended car warranty can offer peace of mind and offset repair costs. Research common issues for your car’s make and model (and the associated repair costs) when warranty shopping. If these costs exceed what you feel comfortable spending on your vehicle, an affordable monthly payment for a used car warranty could be a good option.
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.
Read our guides to other warranty providers:
- Carefree Auto Review
- Hyundai Extended Warranty Review
- Ford Factory Warranty Review
- Mercedes Warranty Review
- Best New Car Warranty
- VehicleOne Warranty Review
- EasyCare Extended Warranty Overview
- Allstate Vehicle Service Contract Review
- CNA National Warranty Services
- CareFree Auto Warranty Review
- Liberty Auto Protection Review
- Elite Warranty Review