Best Extended Car Warranty Companies of 2026

By Kiah Treece

Key Takeaways

• An extended car warranty or vehicle service contract helps with the cost of repairs after the car’s manufacturer warranty expires. 
• You can purchase an extended warranty through a dealer or an independent third-party company. 
• Extended car warranties can cost anywhere from $924 to $3,000 per year.

Extended car warranties offer additional protection beyond the manufacturer’s warranty. These service agreements provide peace of mind to those who worry about unexpected repairs that could impact their budget. Cars are complex machines and repairs can be expensive, which is why many drivers decide to invest in extended car warranties. However, choosing the best car warranty provider is crucial to ensure you get the best value and coverage. 

The best extended car warranty companies offer comprehensive coverage, flexible payment options, excellent customer service and a track record of helping customers when they need it most. By selecting a reputable provider, you can rest assured that your car will be protected in case of any unexpected mechanical breakdowns.

Best Extended Car Warranty Companies of 2026

• Endurance — Best Overall
• CarShield — Best for Plan Selection
• American Dream Auto Protect — Best for Discounts
• Premier Auto Protect — Best for Nontraditional Vehicles
• Carchex — Best Claims Process

There are many extended car warranty companies in operation. We analyzed the leading companies and selected the five best based on their available plans, costs, customer reviews, and added perks: 

	Endurance	CarShield	American Dream Auto Protect	Premier Auto Protect	Carchex
Trustpilot Rating	4.0	4.2	4.6	4.6	2.2
Number of Plans	3	7	3	7	5
Cost	$100 to $160	$99 to $130	$79 to $119	$77 to $144	$100 to $106
Vehicle Restriction	2005 or newer	1995 or newer	2000 or newer	2004 or newer	2000 or newer
Added Features	Key fob replacement, 24/7 roadside assistance	24/7 roadside assistance, courtesy towing	24/7 roadside assistance	24/7 roadside assistance	24/7 roadside assistance (on some plans)

Best Overall: Endurance

Pros	Cons
Nationwide network of over 3,500 certified repair shops and dealerships	Cars need to be 20 years old or newer to be eligible
$300 off any new plan	Charges a $29 activation fee
Unlimited mileage option available	Not available in Massachusetts

HIGHLIGHTS

Number of plans offered:	Three
Highest mileage limit:	Unlimited mileage option available but varies by plan; car must be 20 years old or newer
Roadside assistance?	Yes
Additional features:	Large network of licensed repair facilities through RepairPal

Why we chose it: Endurance is our best overall car warranty company because it offers the warranties itself instead of using a third party, they’re reviewed by actual mechanics, and the company provides roadside service.  

Founded in 2006, Endurance has paid over $300 million in claims since 2012. The company offers comprehensive auto protection plans designed to save customers money on costly auto repairs. The approval process moves quickly and is completed within 48 hours. Endurance plans are accepted at any licensed repair shop or dealership in the country.

Endurance covers cars that are 20 years old or newer and mileage limits (150,000 or 200,000) vary by plan, with an unlimited mileage option available. The company has an online customer service portal where you can review coverage details, and it features a mobile app for you to view your policy details, request roadside assistance and contact customer service.

Endurance coverage plans include:

• Secure Plus: The most budget-friendly plan that offers coverage for older vehicles and covers the major components of your car or truck. Includes the engine, transmission and air conditioning.
• Superior: This plan offers high-level component coverage with stated components and parts, plus coverage for your vehicle’s electrical system and the ability to add coverage for high-tech features.
• Supreme: Endurance’s most premium option, the Supreme plan, covers almost all systems, parts and components in your vehicle. It even covers seals and gaskets and is similar to the manufacturer’s warranty that accompanies a new car.

If you live in California, Endurance also offers three mechanical breakdown insurance plans to choose from. This complies with California law that restricts traditional warranties on older cars and treats MBI as an insurance product and not a warranty.

Read our full Endurance warranty reviews. 

Best for Flexibility: CarShield

Pros	Cons
Seven plans to choose from	Online quotes not available
Customize plans to fit your budget and needs	A few negative customer reviews
24/7 roadside assistance	Not available in California

HIGHLIGHTS

Number of plans offered:	Seven
Highest mileage limit:	300,000
Roadside assistance?	Yes
Additional features:	Coverage for motorcycles, all-terrain vehicles and electric vehicles

Why we chose it: CarShield offers seven flexible and customizable warranty plans, so you can build the coverage you need.

CarShield was founded in 2005 and has protected more than 2 million vehicles since then. It’s listed as a Consumer Affairs-accredited company and strives to give each customer the best service.

CarShield offers a choice of mechanic, courtesy towing and 24/7 roadside assistance. Additionally, rental car reimbursement is available with some plans. Cars with under 300,000 miles are typically covered.  

CarShield offers the following protection plans:

• Aluminum: CarShield’s Aluminum plan offers specialty coverage for most electrical and computer-related problems. 
• Silver: This policy covers your vehicle’s most essential parts, including the lubricated parts of your engine, water pump and transmission. 
• Gold Select: This option is best for high-mileage vehicles and covers components including the engine, transmission, water pump, alternator, starter, air-conditioning system and power window motors. 
• Platinum: This plan provides comprehensive coverage for higher-mileage vehicles. It covers things like your car’s engine, starter, transmission and water pump. 
• Diamond: Offering the best coverage — and the most similar to a manufacturer’s warranty — the Diamond plan includes everything from the engine to the fuel pump.
• Motorcycle and ATV: Designed for motorcycles and ATVs, this plan covers your specialty vehicle’s parts and components.
• Electric Vehicle: CarShield coverage is also available for fully electric vehicles. These service contracts are tailored to EVs and include certain components within the electric drive unit, electrical system, battery pack and other systems.

Note: CarShield is the subject of a $10 million settlement with the Federal Trade Commission in connection with alleged deceptive advertising and violation of the Telemarketing Sales Rule.

Read our full CarShield reviews.

Best for Discounts: American Dream Auto Protect

Pros	Cons
Coverage offered for farm vehicles and ride-share vehicles	Vehicles from before 2000 typically can’t be covered
Claims approved in as little as 48 hours	Autopay required
24/7 customer support	Contract renewal process unclear

HIGHLIGHTS

Number of plans offered:	Three
Highest mileage limit:	None, but car must be from 2000 or newer
Roadside assistance?	Yes
Additional features:	Choose from over 50,000 ASE-certified mechanics; 24/7 support

Why we chose it: American Dream Auto Protect offers flexible warranty plans that are also available for ride-share vehicles and farm vehicles. 

American Dream Auto Protect offers three levels of extended warranty plans that include 24/7 roadside assistance and customer service. As with many extended car warranty providers, you can transfer most American Dream plans if you sell your car. If you choose to cancel coverage during the waiting period, a full refund is available. 

In addition to flexible coverage, American Dream offers special plans for unique needs — like using your car on a farm or for ride-sharing. According to the company, claims are typically approved within 48 hours, making repairs less daunting. If you’re considering American Dream Auto Protect, start by consulting with a service representative, then customize your plan and sign an agreement.

American Dream Auto Protect offers the following three plans:

• Silver: American Dream’s most basic plan, Silver covers vital components like the engine, cooling system and transmission.
• Gold: This powertrain plan provides extensive coverage for major vehicle components, including the engine, transmission and steering system.
• Platinum: The top-tier Platinum plan covers the most robust list of components, such as the engine, transmission, cooling system, brakes, suspension, fuel delivery, seals and gaskets, and more.

You may also be interested in our Toco Warranty reviews or Royal Administration warranty reviews.

Best for Nontraditional Vehicles: Premier Auto Protect

Pros	Cons
Positive online reviews	No pricing information online
365/24/7 customer service response	Limited plan information available online
Warranties are transferable	Mileage limits vary

HIGHLIGHTS

Number of plans offered:	Seven
Highest mileage limit:	Varies by plan
Roadside assistance?	Yes
Additional features:	30-day money-back guarantee and coverage for ATVs, motorcycles and personal watercraft

Why we chose it: Premier Auto Protect provides coverage for nontraditional vehicles like ATVs, motorcycles and personal watercraft.

Premier Auto Protect has been accredited by the Better Business Bureau since 2022 and holds an A rating. Drivers can choose from extended warranties for vehicles and powersports coverage, with plans sold and administered by Premier. Preferred pricing is available for members of certain organizations like the United Services Automobile Association and AAA.

Coverage for ATVs, motorcycles, personal watercraft and scooters covers components, including engines, primary drives, gauges and key replacements. Notably, Premier Auto Protect’s powersports plans are separate from the plans for cars and trucks.

Premier Auto Protect offers the following plans for cars and trucks:

• Essential: This is a comprehensive plan that covers your vehicle’s essentials, such as engine, transmission and drive axle. 
• Premium: This covers everything in the Essential’s plan and also includes coverage for heating, high-tech electronics and suspension. 

• Exclusionary: Premier’s most comprehensive coverage, the Exclusionary plan covers everything except certain excluded items.
• EV Exclusionary: This covers the essential components of your EV, such as the electric motor, transaxles and battery control module.
• Powertrain: The most basic coverage plan available for cars and trucks includes coverage for the powertrain. 
• Premier Repair Assist: This is an additional offering that includes comprehensive coverage, plus trip interruption coverage.
• Premier Powertrain Enhanced: This is a plan that goes beyond the Powertrain plan to include hybrid cars with complex drive systems.

Best Claims Process: Carchex

Pros	Cons
More than 30,000 repair facilities nationwide	Waiting period applies
Straightforward claims process	Warranties serviced by third-party administrators
Roadside towing and rental car benefits simplify breakdowns	Mileage limitations not published online

HIGHLIGHTS

Number of plans offered:	Five
Highest mileage limit:	Not specified, but over 100,000
Roadside assistance?	Yes
Additional features:	Towing, rental car and trip interruption benefits

Why we chose it: Carchex offers a wide range of plans bolstered by a large network of repair facilities and a straightforward claims process.   

Carchex has been offering extended vehicle protection since 2004 and has been accredited by the BBB since 2009, where it maintains an A+ rating. Prior to 2004, it was a mobile vehicle inspection company. In addition to auto warranties, Carchex offers vehicle inspections and auto insurance. 

The company offers payment plans and customizable warranty plans to make coverage more accessible and affordable. It also provides towing services, rental car reimbursement and trip interruption benefits among other features. 

Carchex warranty plans include:

• Bronze: The Carchex Bronze plan includes affordable coverage for the major systems of your vehicle, such as the engine and transmission, for up to six years.  
• Silver: The Carchex Silver option covers major systems of your vehicle, including more than just powertrain coverage. This plan is available for up to seven years. 
• Gold: This plan is for vehicles with more than 60,000 miles on them and is good for up to 10 years, to include coverage for brake systems and power steering pumps. 
• Platinum: The Platinum plan includes stated component coverage for all major systems.
• Titanium: Carchex’s highest level of coverage provides the maximum breakdown protection and is similar to a manufacturer’s warranty, with few exceptions.

Endurance does not operate in California, but it can recommend a mechanical breakdown insurance provider in the state.

Read our full Carchex Warranty review. 

What Is an Extended Car Warranty?

An extended car warranty is a type of insurance policy that covers the cost of repairs and replacement of certain vehicle parts after the original factory warranty expires — though the plans can overlap. These warranties are often offered by third-party companies and you can purchase them for a variety of vehicles. They provide peace of mind if you want to ensure your car is covered in case of unexpected malfunctions or breakdowns.

With an extended warranty, you can avoid the high costs of repairing or replacing expensive vehicle components out of pocket. It’s important to carefully review the terms and conditions of each warranty before purchasing to ensure you understand what is covered and what is not, as well as any deductibles or exclusions that may apply.

Types of extended car warranties

These are the three main types of extended car warranties:

• Bumper-to-bumper warranty: Bumper-to-bumper warranties cover most of the parts and components in your car, including many labor costs associated with repairs.
• Stated-component warranty: These warranties are designed to cover specific systems or components in your vehicle, such as the electrical system, air conditioning, audio system and brakes.
• Powertrain warranty: A powertrain warranty is a limited form of coverage that focuses primarily on the major parts that keep the vehicle running, such as the engine, transmission and drive axles.

How Do Extended Warranties Work?

Understanding how extended car warranties work is crucial if you want to protect your new or used vehicle. Third-party providers often sell these warranties to provide additional coverage beyond the manufacturer’s warranty. Some warranties may include additional perks like roadside assistance or rental car coverage. Always weigh the cost of an extended warranty against the potential savings in repairs and peace of mind. Likewise, you should research the reliability and reputation of a warranty provider before making a purchase.

Best Extended Manufacturer Warranties

When purchasing a new vehicle, many car manufacturers offer extended warranties to provide additional peace of mind and financial protection. These warranties go beyond the standard coverage, safeguarding against unexpected repair costs as your car ages. By offering longer-term assurance, extended warranties can help ensure your vehicle remains in excellent condition for years to come.

• Audi: Audi’s extended warranty is ideal for those seeking coverage for luxury vehicles. The vehicle service protection plans offer comprehensive protection for up to 10 years or 120,000 miles, with plans tailored to high-end features and advanced technologies.
• Ford: Ford provides extended warranties that cater to a wide range of vehicles and lengthy coverage periods — up to 10 years or 175,000 miles with more than 1,000 components covered with hundreds of components covered.
• Honda: Honda’s extended warranty emphasizes longevity and performance, with protection available for up to eight years or 120,000 miles. It offers robust protection that complements the brand’s reputation for minimal maintenance needs, providing added peace of mind for long-term ownership.
• Toyota: Toyota extended warranty options provide comprehensive coverage for up to 10 years or 125,000 miles, showcasing Toyota’s commitment to sustainable and efficient driving.

What Does an Extended Warranty Cover on a Car?

Generally, extended warranties cover mechanical breakdowns and failures that occur due to normal wear and tear. This means that any repairs or parts replacement associated with these breakdowns will be covered. The best extended car warranties cover the repair or replacement of major systems such as engines, transmissions, steering components, brakes and electrical systems. Each warranty provider and policy is different, so read the terms and conditions carefully before signing up.

What is not covered by an extended car warranty?

Extended car warranties typically do not cover routine maintenance, such as oil changes or tire rotations, as well as wear-and-tear items like brake pads or windshield wipers. Additionally, they may exclude damages caused by accidents, neglect or improper use, and repairs for preexisting issues or modifications not approved by the manufacturer are often not included.

How Much Does an Extended Car Warranty Cost?

Most extended warranties cost between $1,000 and $3,000, but the cost can fluctuate depending on the type of car and its specific make and model. For example, extended warranties for older cars with higher mileage may be more expensive due to their increased risk of breakdowns. Some providers may charge extra for additional features, such as roadside assistance coverage or rental car reimbursement. 

Overall, the cost of an extended car warranty can be comparable to that of repairing a car without one. However, the best extended car warranty plans can provide peace of mind and financial security. Consider purchasing an extended car warranty if your car is unreliable and you don’t have the financial resources to cover necessary repairs.

Pros and Cons of an Extended Car Warranty

An extended car warranty can provide financial protection to ensure your vehicle is properly serviced in case of a breakdown. However, just like any product or service, extended car warranties have pros and cons. Consider these factors to decide whether an extended car warranty is worth it.

Pros of extended warranties

• Provides additional coverage beyond the manufacturer’s warranty
• Can provide financial security if an expensive repair is needed
• May come with extra benefits like roadside assistance or rental car coverage
• Provides peace of mind that your vehicle is covered in case of unexpected problems
• Can save you money in the long run by avoiding costly repairs without a warranty

Cons of extended warranties

• May come with high upfront costs
• Doesn’t cover all repairs and may require deductibles or impose exclusions
• Doesn’t always extend to older cars with higher mileage
• May not provide as much coverage as a manufacturer’s warranty for new vehicles
• May require periodic maintenance checks to remain valid

How to Choose From Extended Warranty Companies

Purchasing an extended car warranty can provide peace of mind by covering unexpected repair costs after the manufacturer’s warranty expires. However, selecting the right extended warranty requires thorough research and consideration to ensure it meets your needs and budget. Here’s how to choose an extended car warranty:

1. Evaluate your vehicle’s needs. Consider factors like your car’s age, mileage and reliability. Older vehicles or those with high mileage may benefit more from extended coverage.
2. Research the provider. Look into the reputation and reviews of the warranty provider. Reliable companies with good customer service are essential to hassle-free claims.
3. Understand coverage options. Review the details of what is included in — and excluded from — the warranty. Ensure it covers the most important and expensive components of your vehicle.
4. Compare costs. Get quotes from multiple providers and compare the prices relative to the coverage offered. Watch out for hidden fees or additional charges.
5. Check deductibles. Determine if the warranty requires a deductible for repairs and ensure the amount fits within your budget.
6. Review contract terms. Read the fine print to understand the terms and conditions, including cancellation policies, transferability and claim process requirements.

Avoiding Extended Warranty Scams

Unfortunately, extended car warranty scams are prevalent, with scammers employing deceptive methods to exploit unsuspecting individuals. Recognizing the common tactics used by these fraudsters is crucial in steering clear of fake warranties. Look out for signs like robocalls and unsolicited mail, which are commonly used to lure victims into purchasing bogus extended warranties. Fake warranty companies may also offer suspiciously low prices or use names resembling legitimate providers. 

Always verify offers directly with the company before sharing personal details. Stay alert for high-pressure sales tactics that push for immediate payment or claim limited-time offers. Legitimate companies allow time for consideration and will never force you to make a hasty decision. Beware of upfront payment demands, as reputable providers offer flexible payment options and don’t require full payment before coverage begins.

If you suspect you have been the victim of a vehicle warranty scam, contact the Federal Trade Commission to file a report as soon as possible. An FTC representative can work with you to secure your personal information and get your money back.

Frequently Asked Questions

1. How much do extended car warranties cost?

Depending on the plan you choose and the company issuing the warranty, an extended car warranty can cost between $75 and $250 per month.

2. Is an extended car warranty the same as car insurance? 

No. Car insurance, particularly collision and comprehensive, pays for repairs if your car is damaged in an accident, theft, or natural disaster. An extended warranty covers mechanical failures. 

3. Do I have to buy an extended warranty from a dealership? 

No, you can buy an extended warranty on your own from a third-party company, and you may find that shopping on your own helps you find cheaper warranty coverage. 

4. What does an extended car warranty typically cover?

Coverage varies by plan, but extended warranties typically cover major components like the engine, transmission and electrical systems.  

5. What isn’t covered by an extended warranty? 

Extended warranties don’t cover wear and tear, routine maintenance or cosmetic issues. Check the terms and conditions to find out about any additional exclusions. 

6. Are extended car warranties worth it? 

Whether an extended warranty is worth it depends on the age of your vehicle, its reliability and your finances. If you plan on keeping your car for several years or don’t have a hefty emergency fund to cover repairs, an extended warranty can be worth the cost. 

7. Can I use my own mechanic with an extended warranty? 

It varies by plan; some extended warranties allow you to use any mechanic you like, while others only allow those at authorized service centers. 

8.  Can you buy a warranty after your car breaks down? 

No, vehicles must be in working condition at the time you purchase the warranty. And most extended warranties have waiting periods and exclude preexisting issues. 

9. Do extended warranties cover towing? 

Some extended warranties include roadside assistance and towing, but it varies by company and plan. 

10. Who provides the best extended car warranty? 

No one company is best for everyone, but we found that Endurance, CarShield and American Dream Auto Protect were among the top providers. 

11. Are there alternatives to extended car warranties? 

Other options include setting aside money in a separate savings account specifically for car repairs or purchasing mechanical breakdown insurance (MBI) from your auto insurance company. These options may provide more flexibility without a long-term contract. 

12. Can you cancel an extended warranty? 

Cancellation policies vary by company. You can usually cancel within 30 to 60 days and get a full refund. After that, you may have cancellation fees.

Methodology: How We Chose the Best Extended Car Warranty Companies of 2026

To choose the best extended car warranty companies, we evaluated three main areas: available service contracts, the claims process and the company’s financial backing.

• Plans and service contracts: We compared extended warranty companies based on available plans and coverage. We also compared providers based on plan pricing, warranty transferability and the availability of additional perks. The best extended car warranty companies offer features like 24/7 roadside assistance, towing, tire replacement or repair, locked-out service and trip interruption coverage.
• Claims and repairs: Understanding what’s included in an extended car warranty is essential before committing to a contract. We considered each company’s claims process and how much flexibility policyholders have in choosing a certified repair shop. Our list contains companies that process claims in-house and through third-party agencies.
• Customer satisfaction and financial backing: When comparing extended car warranty companies, we looked at providers certified by the Vehicle Protection Association and the National Institute for Automotive Service Excellence . We also evaluated customer reviews on third-party sites like the BBB and Trustpilot.