What’s the best extended warranty for your high-mileage vehicle?

 

The more miles you put on your car, the more likely it will need costly repairs, which you'll have to pay for out of pocket once your factory warranty expires. We recommend looking for the best extended warranty for cars over 100K miles to keep you covered long-term. 

We’ve reviewed the industry's best extended car warranty companies, and in this article, we'll point out the best choices for cars with over 100,000 miles on the odometer. We'll also explain each provider's coverage options for older cars, as well as customer reviews and ratings by industry leaders such as the Better Business Bureau (BBB).

Finding the right extended warranty for you depends on many factors, including your car’s age, mileage, and the level of coverage you select. This is why it's important to shop around and get quotes customized to your specific vehicle. You can start getting free quotes from our top three providers below.

 

 
 

In this article:

 

What Is An Extended Car Warranty

An extended car warranty, better known as a vehicle service contract, is an agreement between you and your vehicle's manufacturer or a third-party company to protect you against costs associated with unexpected breakdowns or malfunctions due to workmanship error. Most companies offer a variety of coverage levels so that you can pick the one that is best for you. Many companies also offer coverage for high-mileage vehicles.

Keep in mind that an extended warranty is not the same as car insurance or mechanical breakdown insurance. Extended warranties come with a list of exclusions that can be found in the fine print of your contract. They typically exclude things like routine maintenance and regular wear and tear.

 


 

Extended Warranty Comparison For Cars Over 100K Miles

There are several pros and cons of extended car warranties for high-mileage cars. Some things to look out for when considering extended auto warranty companies are BBB ratings, online reviews, additional perks available, and customizable options to make a plan that will best protect your high-mileage vehicle.

Here are the providers that offer the best extended warranties for cars over 100K miles:

Provider Motor1 Award Maximum Coverage Motor1 Rating  

Endurance

Best Coverage

200,000+ miles

★★★★★

Get Quote

CarShield

Best Value

200,000 miles

★★★★1/2

Get Quote

CARCHEX

Best For Used Cars

250,000 miles for vehicles up to 25 years old

★★★★1/2

Get Quote

 

 


 

Endurance: Best Coverage

Endurance is a direct provider of extended warranties, meaning the company services the contracts it sells instead of using plan administrators.

This company offers six levels of protection for vehicles, each of which can last 200,000+ miles:

  • Supreme coverage plans provide the most extensive bumper-to-bumper protection
  • Superior offers coverage for hundreds of specific components integral to your car’s optimal performance. Compared to Supreme, it covers almost everything, except gaskets.
  • Secure Plus offers fast coverage for the steering, electrical system, and brakes. It has a shorter waiting period than most other plans.
  • Secure is a lower, budget-friendly option that covers most vital car components for an affordable price. 
  • Select Premier is the most basic plan for older vehicles, covering your basic powertrain components. It covers a variety of needs for high-mileage vehicles including engine components, electrical systems, air conditioning, and more.
  • EnduranceAdvantage™ covers mechanical breakdowns as well as maintenance, like oil changes and engine diagnostics.
 
Customers receive additional perks such as roadside assistance, trip interruption benefits, and rental car coverage for the duration of their warranty. Extended warranties with Endurance also come with one year of Elite Membership, which includes identity theft protection, concierge services, replacements for lost or broken key fobs, and many other benefits.
One negative aspect of Endurance to note is that this free Elite Membership expires after the first year of purchase and requires renewal and payment subsequently. Another downside is that most Endurance plans require a 60-day waiting period before you can make a claim (with the exception of the Secure Plus plan).
Still, many people seeking the best extended warranty for cars over 100K miles will find Endurance an excellent provider for their vehicle.
Endurance Pros
Endurance Cons

Six levels of coverage

Must purchase Elite Membership after first year

30-day money-back guarantee

Long waiting period

Quick and easy claims process

 

Your choice of auto repair shops

 

Free tire repair and replacement (up to two per year)

 

First year of coverage includes Elite Membership

 
 

 


 

CarShield: Best Value

CarShield offers six coverage levels, some of which protect cars up to 200,000 miles: 

  • Diamond is similar to new car factory warranties. It is exclusionary, meaning the contract lists only the excluded items.
  • Platinum is the highest level of inclusionary coverage with CarShield and covers many parts integral to the engine, transmission, cooling system, electrical system, steering, air conditioning unit, and brake system, among others.
  • Gold offers enhanced powertrain coverage and includes protection for your car’s engine, transmission, alternator, water pump, starter, air conditioning, and more.
  • Silver is the most basic powertrain warranty plan that covers all lubricated engine parts, drive axle, transmission, and water pump.
 

For vehicles with complex electronic systems and luxury vehicles, your best bet for CarShield coverage is the Aluminum plan, which includes protection for power seat control, voice activation control, sensors, cruise control, gauges, GPS, and more. Finally, there is a Motorcycle & ATV plan that includes coverage for ATVs, motorcycles, and other unique vehicles.

On top of these impressive coverage options, CarShield also gives customers the option of month-to-month contracts. This payment plan gives customers the freedom to cancel their plan before the end of the year if necessary.

CarShield Pros
CarShield Cons

Six levels of coverage

Some negative BBB reviews

30-day money-back guarantee

Terms not available on the website

24/7 roadside assistance

 

Month-to-month contracts

 

Courtesy towing

 

Your choice of auto repair shops

 

Claims paid directly to auto repair facility

 

Free rental car reimbursement in select plans

 
 

 


 

CARCHEX: Best For Used Cars 

CARCHEX offers five extended warranty coverage options that can be customized to fit your car’s needs. Many cars can be covered until they have 250,000 miles. When looking for protection for a high-mileage vehicle, your best options may be lower-tier plans that cover the most expensive repairs.

With an extended warranty from CARCHEX, you’ll have the freedom to choose from a network of more than 30,000 licensed facilities nationwide. The cost of repairs is paid directly to the shop, so you’ll never be expected to pay the cost of car repairs out of pocket.

Plans have a 30-day money-back guarantee and don’t require down payments. Also, CARCHEX partners with top-rated insurance administrators to guarantee you the best price possible.

 

CARCHEX Extended Vehicle Protection Plans are available for all vehicles, including new and pre-owned cars, hybrids, and high-mileage vehicles.

  • Titanium is exclusionary coverage, similar to a bumper-to-bumper extended warranty, that can cover your vehicle up to 10 years.
  • Platinum is the second-highest plan offered by CARCHEX and lasts from 5 to 10 years. It covers hundreds of components, which are listed in your contract. Since coverage is so comprehensive, not all high-mileage vehicles may be eligible.
  • Gold coverage protects all major systems in your vehicle for 5 to 10 years. This makes it a good option for cars with over 60,000 miles and no longer protected by a factory warranty. Plans are highly customizable and considered the best value.
  • Silver plans last up to 6 to 7 years and cover your car’s major systems, such as the powertrain, fuel delivery, electrical, and air conditioning. They protect you from the most common repairs that older cars need frequently.
  • Bronze coverage is the most basic plan offered by CARCHEX and is recommended for cars with over 150,000 miles. It lasts between 5 and 6 years and is designed to protect you from the most expensive and most common breakdowns to powertrain components. These include engine parts, transmission components, and drive axle components.

With CARCHEX warranties, you'll also get 24/7 emergency roadside assistance, rental car reimbursement, and trip interruption services. You'll be able to take your vehicle to one of over 30,000 authorized repair shops, and CARCHEX pays claims directly to the facility so you'll never have to wait around for a reimbursement check.

CARCHEX also has many online customer reviews giving the company its good name. The cost of a CARCHEX extended warranty for a car with over 100K miles depends on many factors, including make, model, mileage, and year of your vehicle. 

CARCHEX Pros
CARCHEX Cons

Five levels of coverage

Some contracts are non-renewable

30-day money-back guarantee

Exotic vehicles are not covered

A+ BBB rating

 

Partnerships with Kelley Blue Book, CARFAX, and the Vehicle Protection Association

 

No pressure to buy or haggling guaranteed 

 

24/7 emergency roadside assistance

 

Your choice of auto repair shops

 

Pays repair shop directly 

 
 

 


 

Is An Extended Warranty Worth It For Cars Over 100K Miles?

Factory warranties come and go, but with extended warranties, you can decide how long protection for your car lasts. Waiting for your factory warranty to expire before buying a third-party plan can result in a gap in coverage where your car and wallet are unprotected from unexpected repair costs.

Repairs are fairly common in high-mileage vehicles. Some of the most common repairs required for older vehicles can leave you with a hefty repair bill. You’ll want to be sure to choose an extended warranty that covers the most common major repairs. Some of the most common repairs needed for older vehicles according to Cars.com include:

  • $2,776: The average cost of an engine rebuild or repair after powertrain failure.
  • $1,865: The average cost of a faulty transmission requiring a rebuild or replacement.
  • $675 and $1,033: Older vehicles often need repairs to the electrical and fuel systems resulting in these costs, respectively. 
  • $650: Even a seemingly simple fix like repairing the air conditioning in your older vehicle can cost you hundreds.

These costs don’t include the price of the maintenance and repairs from regular wear and tear that older cars experience. With the right extended warranty, you’ll get longer coverage on the same parts and services as the factory warranty.

Buying an extended warranty for your vehicle that has surpassed the 100,000-mile mark will save you time, money, and frustration in the long run. We recommend getting quotes from a few companies. Start with the three listed above, but do your own research too if you really want to find the best price. A few other providers with high mileage limits and strong industry reputations include Toco (175,000 miles), autopom! (150,000 miles), and Protect My Car (125,000 miles).

 

 

 

FAQ: Extended Warranties For Cars Over 100K Miles

How many miles does an extended warranty cover?

Extended warranty providers vary on how many miles they will cover. When purchasing an extended warranty for a car with over 100K miles, know that Endurance has great plans offering coverage for up to 200,000+ miles.

How much do extended warranties cost?

There is no universal standard to measure the price of an extended car warranty. Warranties vary in cost depending on what provider you choose, the age of your vehicle, and many more factors. Calling the provider directly can get you a quote customized to your high-mileage vehicle.

Are used car extended warranties worth it?

When considering an extended warranty for your used vehicle, it is important to remember that when the factory warranty comes to an end, the total cost for any repair will come directly out of your bank account. Used cars are susceptible to frequent and costly breakdowns and repairs because they’re older and have higher mileage. Purchasing an extended warranty for your used vehicle will provide you peace of mind knowing you’re protected against the cost of unforeseen repairs.

Read our guides to other warranty providers: