Founded in the 1920s, Ally Bank has helped car dealers finance and maintain their vehicles for over 100 years. Today, Ally offers consumer products that include insurance and a vehicle protection plan called Ally Premier Protection. 

The company offers great coverage options for vehicle protection, but how does an Ally extended warranty stack up against the best extended car warranty companies in the industry? In this article, we will explain the ins and outs of an Ally extended warranty, such as its coverage, cost, and claims process. We will also take a close look at customer reviews to see what others have to say about Ally Premier Protection.

Every vehicle and provider is different, so the best way to understand your options is to shop for personalized quotes. The quote form below can help you get started.

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Ally Premier Protection Highlights

Overall Rating 4.0
Reputation 4.3
Coverage 4.2
Price 3.3
Transparency 4.4
Customer Service 3.8

Ally is an online bank that provides banking, home loan, investment, corporate finance, and dealer financial services. Ally started selling insurance in the 1960s and a form of modern day auto warranty as early as 1973.

Today, you can use Ally to secure personal and business loans for vehicle financing. Ally also offers vehicle service contracts and gap insurance. In the last decade, it has paid out over $2.3 billion in claims.

Ally Extended Warranty Coverage

Ally offers a wide variety of vehicle protection plans for new and eligible used vehicles up to 12 years/150,000 miles with a cap coverage of 200,000 miles. There are four Ally Premier Protection plans, each with deductibles ranging from $50-$200: Major Guard, Value Guard, and Basic Guard.

  • Major Guard is the most comprehensive of the plans and covers over 7,500 components across major vehicle systems such as the engine, transmission/transaxle/transfer case, front/rear-wheel drive, fuel delivery, heating and air conditioning, suspension, electrical, steering, braking system, high-tech, safety, and engine cooling.
  • Value Guard protects over 2,900 components across major systems at the best value price. Covered systems include the engine, transmission/transaxle/transfer case, front/rear-wheel drive, fuel delivery, heating and air conditioning, suspension, electrical, steering, and braking system.
  • Basic Guard provides the most essential coverage for over 2,000 critical powertrain components like the engine, transmission/transaxle/transfer case, front/rear-wheel drive, and fuel delivery.
  • Feature Guard covers more than 300 components and covers factory-installed high-tech components.
  Major Guard Value Guard Basic Guard Basic Guard
High-Tech Components    
Transfer Case  
Front/Rear-Wheel Drive Components  
Fuel Delivery Components  
Climate Control Components    
Electrical Components    
Steering Components    
Braking System    
Safety Components      
Engine Cooling Components      

Ally Extended Warranty Flex Coverage

Ally also offers three choices of flex coverage: Ultra, Core, and Tech. Each comes with a $100 deductible. Flex coverage begins 30 days after enrollment on a month-to-month and renewing basis. All plans are transferable if your vehicle is sold and include a 60-day money-back guarantee.

The coverage offered by Ally Premier Protection plans is pretty comprehensive. While coverage excludes batterieswhich are sometimes covered by other providersit does include safety components such as seatbelts. A broken seat belt can be expensive and isn’t often a covered repair under extended warranty agreements.

  Ultra Core Tech
High-Tech Components  
Transfer Case  
Front/Rear-Wheel Drive Components  
Fuel Delivery Components  
Air Conditioning  
Select Brake System Components  
Safety Components    


All plans come with the following additional benefits:

  • 24/7 roadside assistance: Reimbursement for towing and roadside services up to $100
  • Rental car reimbursement: Reimbursement up to $40 per day for a maximum of $240
  • Trip interruption protection: Hotel and meal reimbursement up to $150 a day for a maximum of $750


There is no maximum mileage limit for Ally extended warranty coverage. As long as your vehicle is eligible for coverage, you can maintain your contract. To be eligible for coverage, a vehicle can be no more than 13 model years old.

One last thing to note is that if you drive more than 20,000 miles a year, your deductible will be increased to $500. Ally Premier Protection may not be a good choice if you drive a lot.

Ally Premier Protection Cost

The cost of any extended warranty varies depending on the vehicle. Older vehicles and certain brands are sometimes more expensive to protect than others. More inclusive contracts are of course more expensive.

We called Ally and asked for flex coverage quotes for a 2017 Ford Explorer with 45,500 miles and were offered the following quotes for a $100 deductible plan:

  • Flex Coverage Core: $45/month
  • Flex Coverage Ultra: $103/month

Ally offers monthly payment plans as low as $32 per month, so it is possible to get an even lower rate if you purchase protection for a newer vehicle.

These prices are average for the industry. $45 is one of the lowest monthly rates we have seen, but over the course of a three-year contract ends up being on par with other providers. $103 is also a very low monthly payment for bumper-to-bumper coverage. However, over the course of a five-year contract, this ends up being more expensive than most competitors, though not by a lot.

Ally Premier Protection Ratings and Reviews

Ally Bank has been around for a long time. It is a large company that deals with customers across a number of businesses. The Ally extended warranty is just one of its many products.

Ally is not accredited by the Better Business Bureau (BBB), but it does have an A+ BBB rating. The company has received more than 1,200 complaints through the BBB in the past three years. This may sound like a lot, but it is a small fraction of the customers that Ally serves. And of the complaints filed with the BBB against Ally, only seven relate to auto warranty products.

Ally Extended Warranty: 4.0 Stars

Ally financial services have been around for a long time, and the company has garnered a strong industry standing. We rate Ally 4.0 out of 5.0 stars based on factors such as reputation, cost, coverage options, transparency, and customer service satisfaction.

An Ally Premier Protection Plan offers comprehensive coverage at a reasonable monthly rate, so it may be a good choice for customers with a low monthly budget, as it offers one of the lowest monthly rates that we have seen. However, this low rate comes with a long-term cost. Over the course of a three- or five-year contract, you will end up paying more for an Ally extended warranty.

Coverage offered by Ally is standard, though it does include coverage for car safety featuressomething not typically included in bumper-to-bumper extended warranty contracts.

Top Recommendations for Extended Car Warranties

Ally isn’t the only option in terms of extended warranties. It is worthwhile to explore options and compare quotes from multiple providers when considering extended vehicle warranties. Make use of the buttons below to begin comparing costs for yourself.

Endurance: Best Coverage

Between comprehensive plans and positive customer reviews, a car warranty from Endurance has proven to be satisfactory for many customers. Coverage is available in almost every state, except California.

This provider has a total of six levels of coverage for customers to choose from. The first five are extended warranties with varying levels to protect against mechanical breakdowns. The last Endurance plan, EnduranceAdvantage™, is a combination between an extended auto warranty and a maintenance contract.

As a new customer, you will receive one year free of Endurance Elite Benefits and access extra perks like key fob replacements, total loss protection, collision discounts, tire repair/replacement, roadside assistance, and the Endurance mobile app.

Use our tool to get a free quote from Endurance below.

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

CARCHEX: Best For Used Cars

CARCHEX has not been selling warranties for as long as Ally, but it has been around for a long time. In the past 20 years, CARCHEX has earned multiple industry awards and a legion of loyal customers. Today, it partners with other reputable companies like CARFAX and Kelley Blue Book.

CARCHEX offers five levels of coverage, with mileage limits that extend as high as 250,000 miles. Among our top recommended providers, CARCHEX offers some of the lowest prices. Between the different plans and deductible options, CARCHEX extended warranties are highly customizable.

Our research found this provider to be the best for used cars.

Protect My Car: Best Financing

In our Protect My Car review, we found that this provider combines extensive coverage options with low prices. Like an Ally extended warranty, Protect My Car contracts are available at low monthly rates, which may appeal to customers with a small month-to-month budget.

Protect My Car offers three levels of warranty coverage. We think that this provider is a great option for a powertrain warranty because of its low cost and reliable coverage.

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


Our review team prides itself on sharing accurate and unbiased information with consumers. We have accumulated data from dozens of extended auto warranty companies to formulate our rankings of the industry’s best providers. Companies receive a score out of 5.0 overall, as well as a rating in each of the following categories:

  • Price: Comparing providers can be difficult due to the many factors that influence cost. To determine this score, we employ a secret shopper analysis using different vehicles, mileages, warranty plans, and locations.
  • Coverage: A wide variety of coverage is essential to support the differing needs of customers. We take into account the number of extended car warranty plans available, term limits, exclusions, and additional benefits.
  • Customer Service: The level of customer service and care provided by an extended warranty company is an important consideration. Our review team sifts through customer reviews and complaints from reputable sources such as the Better Business Bureau (BBB) and Trustpilot. We also consider the responsiveness of each company’s customer service team based on our secret shopper analysis.
  • Reputation: Good extended warranty providers consistently provide quality experiences. Our team takes into account BBB ratings and the company’s history of reliable service when giving this score.
  • Transparency: Customers value a commitment to open and honest communication when it comes to vehicle service contracts. Our team of experts takes into account the availability of money-back guarantees and sample contracts.

Q & A

How does an Ally extended warranty work?
Ally Bank offers extended warranty coverage for new and used vehicles. Coverage is for up to 12 years/150,000 miles — whichever one comes first. There is a maximum coverage limit of 200,000 miles.
How is the quotes and claims process for an Ally extended warranty?
The quotes process for an Ally extended warranty is quite easy. Simply call the company’s customer service department number and be ready with your vehicle year, make, model, mileage, and vehicle identification number (VIN). To file a claim with Ally, take your vehicle to any licensed repair facility in the US or Canada and present your customer ID number. The repair facility will manage the paperwork, and Ally pays the facility directly.
Is an Ally extended warranty legit?
Yes, Ally Premier Protection offers flexible extended warranty plans , roadside assistance and trip interruption benefits, and reimbursements. It may be a little less convenient than other extended warranty companies such as Endurance or CarShield, as you have to go through a dealership to purchase a plan in most cases, but it provides real coverage.
Does Ally have car insurance?
No, Ally Banks offers auto financing and protection, but not auto insurance policies.