The more miles you put on your car, the more likely it is your car will need costly repairs. 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).
In this article:
- Can You Get An Extended Warranty On A Car With Over 100K Miles?
- How Much Does An Extended Warranty Cost For A Car With Over 100K Miles?
- Best Extended Warranty For Cars Over 100K Miles
- Endurance: Best Coverage
- CarShield: Best Value
- CARCHEX: Best For Used Cars
- What Is An Extended Car Warranty?
- Is An Extended Warranty Worth It For Cars Over 100K Miles?
- FAQ: Extended Warranties For Cars Over 100K Miles
Can You Get An Extended Warranty On A Car With Over 100K Miles?
Yes, you can get an extended warranty if your car has over 100k miles. Third-party warranty companies offer plans that can last up to 200,000 miles or more, giving you plenty of time to enjoy your car with peace of mind. For example, Endurance covers over 200,000 miles, CARCHEX can cover up to 250,000 miles, and CarShield can cover up to 300,000 miles.
Your options for extended warranties for cars over 100k miles can depend on your car's current mileage and age. You can find plans that cover many systems of the vehicle including the steering, suspension, engine, transmission, and electrical systems. Or, you could get a basic plan that just covers the powertrain, which includes your engine, transmission, and drive axle.
How Much Does An Extended Warranty Cost For A Car With Over 100K Miles?
Our team reached out to Endurance and Protect My Car for high mileage warranties to cover a 2013 Toyota Camry with 100,000 miles. Endurance quoted $103 per month for 36 months for its Select Premier plan, while Protect My Car quoted $111 per month for 36 months for its Driveline plan. Both of these plans would cover the Camry for another 75,000 miles.
We also surveyed 1,000 extended warranty customers on what they paid. Half of the respondents paid between $1,615 and $3,208 for their extended warranties, while the median price was $2,458 total.
Be aware that new vehicles typically qualify for the widest range of coverage options. You may have fewer choices if your car has over 100k miles. We recommend comparing free quotes from multiple companies to find the best option for your car.
Best Extended Warranty For Cars Over 100K Miles
We choose Endurance as the best extended warranty for cars with over 100K miles. Endurance can cover over 200K miles and offers the widest selection of high mileage warranty options. Other choices for extended warranty companies include CarShield and CARCHEX.
There are several pros and cons of extended car warranties for high-mileage cars. Some things to look out for when considering an extended car warranty company are BBB ratings, online reviews, additional perks available, and customizable options to make a plan that will best protect your high-mileage vehicle.
Here's an overview of our top picks for the best extended warranties for cars over 100K miles:
|Company||Mileage Limit||Our Award||Our Rating|
|Endurance||200,000+ miles||Best Coverage||4.6 stars|
|CarShield||300,000 miles||Best Value||4.2 stars|
|CARCHEX||250,000 miles||Best For Used Cars||4.4 stars|
Endurance: Best Coverage
Endurance is a direct provider of extended warranties, meaning the company services the contracts it sells instead of using plan administrators. The company has a 4.3-star rating from over 4,300 customers on Trustpilot.
Endurance offers six vehicle protection plans, 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 components integral to your car’s optimal performance. Compared to Supreme, it covers almost everything, except gaskets.
- Secure Plus offers 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 such as oil changes and engine diagnostics.
Endurance Added Benefits
Customers receive additional perks such as roadside assistance, trip-interruption benefits, and rental car coverage for the duration of their warranties. Extended warranties with Endurance also come with one free year of Elite Benefits, which includes perks such as reimbursement for your collision deductible, replacements for lost or broken key fobs, and tire repair or replacement.
One negative aspect of Endurance to note is that the free Elite Benefits expire after the first year of purchase and require renewal and payment after that. 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 vehicles. Endurance also includes roadside assistance, trip interruption coverage, and rental car coverage for the duration of the extended warranty plan.
|Endurance Pros ||Endurance Cons|
|Six levels of coverage||Must purchase Elite Benefits after first year|
|30-day money-back guarantee||Long waiting period|
|Quick and easy claims process|
|Your choice of automotive repair shops|
|First year of coverage includes Elite Benefits|
CarShield: Best Value
CarShield offers six warranty plans, from comprehensive coverage to basic plans. Some of its extended car warranties can last up to 300,000 miles. In other words, CarShield offers multiple extended warranties for cars over 100k miles.
CarShield is the most popular warranty provider on the market and has a 4.0-star rating from over 28,400 customers on Trustpilot. Here's an overview of its plans:
- Diamond is similar to new car factory warranties. It is exclusionary, meaning the car warranty 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 and covers all lubricated engine parts and the drive axle, transmission, and water pump.
CarShield Added Benefits
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 vehicles.
On top of these coverage options, CarShield gives customers the option of month-to-month contracts. This monthly payment plan gives customers the freedom to cancel their plans before the end of the year.
|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|
|Your choice of auto repair shops|
|Claims paid directly to auto repair facility or dealership|
|Free rental car reimbursement in select plans|
CARCHEX: Best For Used Cars
CARCHEX offers five extended warranty coverage options that you can customize to fit your car’s needs. Many cars can carry coverage until they hit 250,000 miles.
CARCHEX extended vehicle protection plans are available for most 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 five to ten years. It covers hundreds of components, which are listed in your contract. Since coverage is so comprehensive, some high-mileage vehicles may not be eligible.
- Gold coverage protects all major systems in your vehicle for five to ten years. This makes it a good option for cars that have over 60,000 miles and are no longer protected by factory warranties. Gold plans are highly customizable and considered the best value.
- Silver plans last up to six or seven 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.
- Bronze coverage is the most basic plan offered by CARCHEX and is recommended for cars with over 150,000 miles. It lasts five or six years and is designed to protect you from the most expensive repairs and most common breakdowns to drivetrain components. These include engine parts, transmission components, and drive axle components.
CARCHEX Added Benefits
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.
This extended warranty provider 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 the 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|
|24/7 emergency roadside assistance|
|Your choice of auto repair shops|
|Warranty provider pays repair shop directly|
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 errors. Most companies offer a variety of coverage levels so you can pick the one that is best for you. Many extended warranty providers 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 you can find in the fine print of your contract. They typically exclude items such as routine maintenance and regular wear and tear items such as brake pads and wiper blades.
The highest level of protection you can get for a used car is a bumper-to-bumper plan. This comprehensive coverage applies to almost any mechanical breakdown except for a list of exclusions. Not all providers will sell bumper-to-bumper plans for cars over 100K miles, though. The availability of these extended warranties can depend on the model year and condition of your vehicle.
At the other end of the spectrum is the powertrain warranty. This type of extended warranty covers the components of your car that propel it forward, which include the engine, transmission, and drive axle. Any reputable used car warranty company will likely offer a powertrain plan for a car with over 100K miles.
What Does A 100K-Mile Warranty Cover?
Extended warranties that last 100K miles can cover a range of systems, including the engine, transmission, drive axle, air conditioning, electrical, and steering systems. Over time, these parts can fail and cause breakdowns, but an extended warranty for cars over 100K miles can cover many of them.
Can You Get A Warranty On A 15-Year-Old Car?
Yes. Many extended warranty companies cover vehicles up to 20 years old, which means you can get up to five more years of coverage for a 15-year-old car. Compare multiple extended warranties to find the best option.
Is An Extended Warranty Worth It For Cars Over 100K Miles?
Factory warranty coverage expires when the limit is reached, but with an extended car warranty, you can decide how long protection 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.
Are 100K Miles A Lot For A Car?
If a car is well-maintained, 100,000 miles is considered the halfway point in its life. You can expect well-maintained vehicles to make it to 200,000 miles and a bit more today. No manufacturer warranty lasts that long, which is why it can be a good idea to consider an extended warranty for cars over 100K miles.
What Happens When A Car Reaches Maximum Mileage?
There is no maximum mileage for all cars, but at some point, the cost of repairs becomes too expensive compared to the car's value. If the car has been driven hard, this could happen as early as 150,000 miles. On the other hand, some well-maintained vehicles can reach 300,000 miles and beyond.
When An Extended Warranty Is Worth It
Repairs are fairly common in cars over 100,000 miles. Some of the most common repairs required for older vehicles can leave you with hefty repair bills. Be sure to choose an extended auto warranty that covers the most common major repairs. According to Cars.com, some of the most common car repairs needed for older vehicles include:
- $2,776: This is the average cost of an engine rebuild or repair after powertrain failure.
- $1,865: This is 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.
Compare Extended Auto Warranty Providers
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.
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:
- GMC Warranty Review
- Lexus Warranty Review
- Ford Extended Warranty Cost Assessment
- Jeep Extended Warranty Review
- Bumper-To-Bumper Warranty
- National Vehicle Protection Services Review
- Fenix Protect Extended Warranty Review
- The Warranty Group: Reviews And Coverage