AAA is known for its roadside assistance services, but the company also sells AAA extended warranty plans. So why haven’t you heard of them? Do AAA extended warranty contracts measure up to the same high standards as the company’s membership services?

This article will examine the AAA extended warranty and evaluate coverage options, pricing, and customer service reputation to see how AAA stacks up against the best extended car warranty companies in the nation.

You don’t need to wait until after your factory warranty expires to begin looking for an extended vehicle protection plan. It doesn’t hurt to start comparing quotes from multiple providers and preparing your budget. Use the quote buttons below to get started.

Best Extended Warranty Companies
AutoGuide reviewed the top car warranty companies to find the best.
Below are our top 3 picks.
Best Coverage Best Service Best Value
Endurance CARCHEX CarShield
★★★★★ ★★★★★ ★★★★1/2
Get Quote Get Quote Get Quote
(877) 374-1840 (866) 254-0205 (800) 563-2761

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AAA Extended Warranty Highlights

Overall Rating 3.8
Reputation 4.0
Coverage 4.3
Price 4.5
Transparency 3.0
Customer Service 3.4

AAA has been a roadside assistance provider since 1902. It is not a single company, but rather a confederation of associated motor clubs across the US. As such, plan offerings and details may vary by region. This article will discuss vehicle service contracts for the Carolinas. Service plans for other regions are likely to be similar but may differ.

All AAA extended warranty contracts are underwritten by Westco Insurance Company, a wholly-owned subsidiary of AmTrust Financial Group.

AAA Extended Warranty Coverage

AAA extended warranty plans offer customized coverage terms in 1-month and 1,000-mile increments. The longest terms last for up to 7 years/230,000 miles. In the Carolinas, you have four options for an extended warranty from AAA: Exclusionary, Comprehensive, Essential Plus, or Essential. As mentioned above, plan offerings and details vary by region.

Essential Essential Plus Comprehensive Exclusionary
Turbo/ Supercharger
Air Conditioning
Transfer Case
All-Wheel Drive
Cooling System
Fuel System
Electrical Components
Anti-Lock Braking System
Select Brake System Components
Hybrid Vehicles
Navigation and Entertainment Systems

All plans are transferable with a $50 transfer fee and include the following perks:

  • Rental car reimbursement: $35 per day for up to five days
  • Trip interruption coverage: Hotel and meal reimbursement of $75 per day for up to three days per occurrence
  • Battery coverage: Free, one-time battery replacement
  • Emergency self authorization: Self-approval of claims up to $500 if the claims administration office is closed

AAA Extended Warranty Cost

The AAA extended warranty is affordable for most vehicle owners. We reached out for a quote for a 2017 Ford Explorer with 45,000 miles and were quoted $115.39 for 24 months for a 6-year/60,000-mile bumper-to-bumper warranty plan. This is a relatively low cost.

All AAA extended warranties come with a standard deductible of $100. That deductible is waived if your vehicle is serviced at a AAA-approved repair shop.

Here’s a closer look at the quote we received for the Ford:

AAA Extended Warranty Coverage Term Total Cost Cost per Year of Coverage
Exclusionary 6 years/60,000 miles $3,077 $513
Essential 6 years/60,000 miles $2,855 $476

AAA offers zero-interest payment plans with a minimum 10% down payment. Payment plan terms extend as high as 24 months. For the plans described above, financing options may look as follows:

AAA Extended Warranty Monthly Cost Down Payment
Exclusionary $115.39 for 24 months $307.70
Essential $107.06 for 24 months $285.50

These prices are within average ranges, though they’re on the less expensive side. Considering the generous financing terms, this is one of the better-priced plan options in the industry. However, you must be a AAA member to purchase a AAA extended warranty. If you are not already a member, you’ll need to factor the cost of AAA membership into your final calculations. AAA membership costs can vary by region and membership level. The cheapest level of membership for AAA Carolinas is around $60 a year.

All AAA extended warranty contracts include a 60-day money-back guarantee (30 days for pre-owned vehicles). Depending on your state, you may have to pay a $50 cancellation fee. Contracts can be canceled after the trial period, and you will receive a prorated refund.

Quotes and Claims Processes

You can get a quote for a AAA extended warranty online through your region’s local office. You can also contact AAA member services to be directed to your local office. We spoke with the Carolinas regional office over the phone and were provided with quotes in a matter of minutes.

If you experience a mechanical breakdown and require unexpected repairs, bring your vehicle to the repair facility of your choice. Vehicles can be serviced at any licensed repair facility in the US and Canada, but the deductible is waived if repairs are completed at an AAA-approved auto repair facility.

Next, provide the repair technician with your AAA extended warranty plan information. After the service facility diagnoses the problem, it will contact AAA for car repair authorization. Assuming the repair is authorized, it will be carried out, and AAA will pay the facility directly to cover the repair costs—minus your deductible.

AAA Ratings and Reviews

As a confederation of individual agencies, there is no single Better Business Bureau (BBB) profile for AAA. Individual AAA locations have scores that range from A+ to F. We recommend looking into the reputation of your own local branch.

In general, AAA is a well-regarded and highly respected organization. Westco Insurance Company, the backer of AAA service contracts, has an A- AM Best rating. This rating indicates an excellent ability to pay out on customer claims.

AAA Extended Warranty: 3.8 Stars

AAA is an established brand that is likely to pay out claims. The top reason why we recommend a AAA extended warranty is its affordability. But keep in mind that the quotes described above are for AAA Carolinas. Coverage options and prices may vary by region.

It is certainly worth looking into a AAA extended warranty. The quotes and financing terms you receive may be among the most competitive you’ll find, especially among reputable extended warranty providers. That being said, we always recommend getting at least three quotes so you can compare providers side by side.

Top Recommendations for Extended Car Warranties

AAA isn’t the only great auto warranty provider out there. CARCHEX and Endurance scored highest in our industry review. Both have excellent reputations for customer service and comprehensive coverage.

CARCHEX: Best Service

CARCHEX has been selling extended auto warranties for over 20 years. This is notable in the fast-changing car warranty industry where many companies fail within a couple of years. CARCHEX offers five different levels of coverage with terms that last for as long as 10 years or 250,000 miles. Among top-tier providers, it offers some of the lowest prices. Multiple deductible choices allow for more plan customization to fit your budget.

To see how much you would pay for a CARCHEX extended warranty, get a free quote for your vehicle.

Our research found this provider to have the best service.

Endurance: Best Coverage

In 2020, Endurance was named on the Inc. 5000 list of fastest-growing companies in the US. Endurance is our highest-rated provider and a reliable choice for an extended car warranty.

An Endurance auto warranty offers an impressive range of coverage and pricing options. There are six different coverage levels and four deductibles to choose from. Endurance extended warranty plans last for as long as 8 years or 200,000+ miles.

Learn more about coverage from Endurance by getting a free, personalized quote.

Endurance is our pick for best direct provider with its comprehensive coverage options.