An extended auto warranty from these top providers can help keep repair costs low for your used car.

 

When you purchase a used car, it can be difficult to get a clear picture of the car's history and health. That's why many car owners turn to the best used car warranty companies. A reputable extended warranty provider can protect your car in the event of a mechanical breakdown and offer extras like roadside assistance.

Whether you purchased the vehicle from a close friend, a reliable car dealership, or a stranger, you’re bound to run into trouble at some point during the car’s lifetime, so it's smart to protect your investment with an extended warranty, also known as a vehicle service contract.

We've performed extensive research into the industry's best used car warranty companies. Read on to learn more about our choices and get free quotes from each below.

 

In this article:

Best Used Car Warranty Companies

From warranty plans to what customers have to say, there’s a lot to consider when shopping used car warranty companies. These five providers are among the highest-rated in the industry in areas such as industry standing, coverage, cost, transparency, and customer service.

Best Used Car Warranty Companies

 Best For

Motor1 Rating

Coverage Levels

Years in Business

Customer Service Grade

 

#1 Endurance

Best Coverage

★★★★★

6

15

A

Get Quote

#2 CarShield

Best Value

★★★★1/2

6

16

A

Get Quote

#3 CARCHEX

Best Service

★★★★1/2

5

22

A+

Get Quote

#4 Protect My Car

Best Maintenance Plans

★★★★1/2

3

16

A

Get Quote

#5 autopom!

Best Claims Process

★★★★1/2

4

11

A+

Get Quote

 

 

Along with big-picture questions like the level of auto 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 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 to meet your needs?
  • Are warranty plans transferable?
  • Are there restrictions, limitations, or inconveniences outlined in the fine print of the provider’s contracts?
  • Is this the best used car warranty for me?

Once you have a better idea of what you’re looking for, it’s time to find a provider. We took all of the above into consideration – plus added perks like roadside assistance and rental car reimbursement – to provide an in-depth overview of the top five used car warranty companies.

 


 

#1 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.

Pros Cons

Direct provider, meaning you’re not dealing with a middleman

Possible spam communications, as Endurance’s privacy policy allows them to send information from marketing partners

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

Free tire repairs and replacements

 

Discounts for state and federal employees and U.S. military personnel

 

Endurance holds a place on the 2019 Inc. 5000, the most prestigious ranking of the nation’s fastest-growing companies, and sponsors Jarett Andretti of Andretti Autosports.

An Endurance extended car warranty covers up to 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, like oil changes and engine diagnostics

With every Endurance auto warranty, you get a one-year Endurance Elite Membership. The program includes roadside assistance, tire repairs and replacements, key fob replacements, repair financing, and more.

Learn more about the provider in our complete Endurance warranty review, and get a free quote below for your used car.

 

Best Overall

★★★★★

Get Quote

 

(877) 374-1840

 

No. 1 in terms of company reputation, coverage options, and customer service. If you want to feel secure when you drive, this is a good choice. 

 


 

#2 CarShield: Best Value

The most popular of used car warranty companies, 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 also has a plan specifically for high-tech vehicles. Used cars can get coverage for up to 200,000 miles.

Pros Cons

Abundance of plan choices

Large number of plan options can make reviewing all options time-consuming

Flexible payment plans and terms

Some customers reporting quotes only relayed by calls rather than emails

Plans for high-mileage used cars like 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

Learn more about the provider in our CarShield review, and get a free quote to see how much you would pay for your vehicle coverage.

Best Value

★★★★1/2

Get Quote

 

(800) 563-2761

 

Our research found this provider to be the most affordable. Plus, it offers month-to-month plans. 

 


 

#3 CARCHEX: Best Service

CARCHEX has been in business for more than 20 years and is known for its impeccable industry reputation. The Better Business Bureau (BBB) rates CARCHEX at A+, and the extended warranty provider partners with experts like Edmunds.com and Kelley Blue Book. With coverage for vehicles up to 250,000 miles, CARCHEX is one of the best choices among used car warranty companies.

Pros 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

 

Instant quotes

 
 

There are five extended warranty plans available with CARCHEX:

  • Titanium: Exclusionary bumper-to-bumper protection similar to a factory warranty
  • Platinum: The highest level of stated-component coverage
  • Silver: Protection for all major systems and a good choice for vehicles over 60,000 miles
  • Gold: Enhanced powertrain coverage for major components
  • Bronze: Basic powertrain coverage for high-mileage vehicles

Perhaps CARCHEX's greatest strength 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, and a get a personalized quote below.

Best Service

★★★★1/2

Get Quote

 

(877) 253-0058

 

A great option for many drivers. One of the company’s strength is its willingness to match other quotes.

 

 


 

#4 Protect My Car: Best Maintenance Plans

Protect My Car is unique on our list of top used car warranty companies because it offers both traditional extended warranty coverage and maintenance plans to help pay for regularly scheduled maintenance. The company has been in business for 14 years and has overall positive reviews.

Pros Cons
Access to PMC Rewards, a shopping and dining discounts reward program

To qualify for an extended warranty, your vehicle cannot be more than 13 years old

24/7 roadside assistance is included with all warranty plans

Plan costs not disclosed online

Flexible payment terms

Plans not offered in California, Florida, Missouri, Washington, and Oklahoma

Ambassador Maintenance Plans for cars over 13 years

Difficult to obtain a quote in a timely manner based on our review team's secret shopper analysis

 

Protect My Car offers three extended warranty options that can cover your vehicle for up to 125,000 miles. Used cars beyond 125,000 miles should look into the company's Ambassador Maintenance Plans for discounts on maintenance and repairs.

  • Supreme: Coverage for most vehicle systems
  • Select: Coverage for major vehicle systems and a good choice for vehicles over 50,000 miles
  • Driveline: Enhanced powertrain coverage for essential systems

Read up on both types of coverage in our Protect My Car review, and get a quote for your used car below.

Best Maintenance Plans

★★★★1/2

Get Quote

 

(888) 430-0227

 

A provider that offers different plan options to fit your needs.

 

 


 

#5 autopom!: Best Claims Process

Known for its great customer service, relative newcomer to the extended car warranty autopom! is a good choice for a used car warranty. The provider has high ratings from industry experts, including an A+ rating from the BBB and regularly receives positive reviews from customers.

 

Pros 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, and get a customized quote for your used car to see how much you would pay for coverage.

Best Claims Process

★★★★1/2

Get Quote

 

(888) 691-2354

 

Another provider we recommend for their top-notch service, when getting a quote or submitting a claim. 

 


 

Types Of Used Car Warranties

After selecting a used vehicle warranty company, you’ll need to decide on the level of vehicle protection that’s right for you and your vehicle so you end up with the best used car warranty possible. From comprehensive coverage to just the essentials, here’s an overview of the types of used car extended warranties available:

  • Bumper-to-Bumper: This type of plan lists what’s excluded from coverage rather than what’s included because the number of covered parts is so extensive. While more expensive than other plans, a bumper-to-bumper warranty is most similar to the manufacturer’s original warranty that came with your vehicle when it was first purchased new.
  • Stated-Component: One step below a bumper-to-bumper warranty, stated component plans cover exactly what is stated in the contract. They’re usually more comprehensive than powertrain warranties, protecting components like the air conditioning and electrical systems, but not as comprehensive as bumper-to-bumper coverage.
  • Powertrain: A powertrain warranty provides coverage for the most essential systems the car needs to function, including the engine, transmission, and related components. While normally the most affordable type of used car warranty available, powertrain warranties don’t cover systems like air conditioning, heat, and brakes.

The age and condition of your used vehicle factor into whether you want more or less extended warranty coverage.

If you want to ensure your car stays in good condition for years to come, a bumper-to-bumper warranty would likely be best for you. On the other hand, if you are only concerned with your used car’s essential systems, you may opt for powertrain coverage.

Keep in mind that the coverage categories above are generalized, and what’s covered and excluded will vary by provider. Here are some of the common limitations and exclusions that you might run into when shopping for the best used car warranty companies:

  • Limited repair shop choice
  • Maintenance requirements for coverage of certain components and systems
  • Mileage and time limits
  • Exclusions for specific items like brake pads, wiper blades, and tires

 


 

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. Prior to contacting used car warranty companies for quotes, it’s important to understand the landscape and reflect on what your unique needs are. The best used car warranty for your neighbor may not be the best for you.

Ask yourself these questions to help identify your needs:

  • Does your car’s make and model typically require expensive repairs?
  • How much longer do you plan to keep the vehicle?
  • What’s your car’s reliability rating?
  • Does simple powertrain coverage give you peace of mind, or do you need bumper-to-bumper coverage to eliminate unnecessary stress?
  • What monthly payment is appropriate for your budget? Would a month-to-month contract or an annual payment be better?

 


 

Manufacturer Extended Warranties Vs. Third-Party Provider Warranties

When a new car is purchased, it comes with the manufacturer’s warranty at no additional cost. If you purchased your used car while the manufacturer's warranty was still valid, most manufacturers transfer the warranty to you. However, if your older car was no longer eligible for the new or certified pre-owned factory warranty at the time of purchase, you have the option to purchase an extended auto warranty through the dealer.

It seems appealing to make the dealer a one-stop shop for both your vehicle and its protection plan. However, there are some limitations that apply to dealership extended warranties, including:

  • Repair requirements: Dealers typically require that you have covered repairs and replacements performed by dealer technicians at the dealership’s auto shop.
  • Increased cost: Extended warranties purchased from the dealer tend to be more costly than third-party warranties.
  • Fine print: Limitations may prevent you from receiving certain types of repairs or from using non-manufacturer parts.

While there’s only one manufacturer for your car, there’s an abundance of third-party warranty providers that offer extended warranties for used vehicles with more 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 owners to choose where they want their car serviced from a list of approved repair shops.
  • Added perks: Third-party warranty customers may receive additional benefits like roadside assistance, towing, gas delivery, and more.
  • Coverage choices: A greater variety of plans are available from third-party companies, typically offering tiered contracts that vary in length and coverage.
  • Transferability: Almost all third-party car warranty plans are transferable, which increases both the appeal and value of your car for future buyers. 

 


 

How To Find The Right Third-Party Used Car Warranty Company

The 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. Trusted review websites, like the Better Business Bureau, can provide insight into customers’ experiences and help you find the best used car warranty.

Price, flexibility, and coverage are three other important factors. The 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 The Cost?

Extended warranties for used cars can be worth the cost for drivers who want to make small monthly payments over time rather than paying upfront for repairs.

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 you select 

In general, the cost of a used car warranty increases in conjunction with the number and complexity of components covered in the plan.

While some states have enacted laws to protect consumers from lemons, like the New York State Lemon Law, which requires dealers to give consumers a written warranty, other areas of the country leave consumers with little protection in the used car market. Even diligent consumers who thoroughly research a vehicle – reviewing its recall history on government sites, asking dealerships for used car sales policies, and having the vehicle in question inspected by an independent mechanic – are prone to hidden defects.

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 car owners run into for your car’s make and model (and the associated repair costs) when evaluating whether a warranty is right for you. If these costs exceed what you feel comfortable spending on your vehicle during the time of ownership, an affordable monthly payment for a used car warranty could be a good option for you. 

 


 

Used Car Warranty Companies Comparison

Though you have a lot of choices when it comes to finding a warranty for you used car, these five companies are our top recommendations when it comes to best used car warranty companies. We encourage you to get multiple quotes so you can compare prices and coverage side by side, as they will depend on a lot of factors specific to you, such as the age, make, and model of the car.

Read our guides to other warranty providers: