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Given the high cost of BMW repairs, you may be considering an extended auto warranty once your factory warranty expires. But is a BMW extended warranty your best option for covering your vehicle?
Our experts wanted to see how the BMW extended warranty stacks up against some third-party providers from our review of the best extended car warranty companies. So we analyzed the German automaker’s pricing, coverage options and other details. You can use this information to compare BMW’s plans with other warranty providers and come to your own conclusions about which option is the right option for you.
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BMW Extended Warranty Overview
A comprehensive, bumper-to-bumper BMW factory warranty comes with every new car the company sells. This warranty covers the vehicle for four years or 50,000 miles, whichever comes first. But some BMW owners may want to get extra years of coverage by purchasing an extended warranty from the BMW dealership.
The BMW extended warranty protects vehicles against mechanical breakdowns for 75,000 or 100,000 miles, depending on the extended warranty plan you choose. BMW offers three levels of coverage: Platinum, Gold, and Powertrain Plus. Here is a list of what each warranty covers:
|BMW Extended Warranty||Coverage Term|
|Platinum||7 years/100,000 miles|
|Gold||7 years/100,000 miles|
|Powertrain Plus||7 years/100,000 miles|
- Platinum: The most comprehensive coverage of the three levels of BMW extended vehicle protection, it covers most major components such as the engine, fuel system, transmission, electrical system, cooling system, steering, air conditioning, and brake system and has limited exclusions.
- Gold: Gold coverage is slightly less comprehensive than the Platinum plan. It does not cover the infotainment system and has only limited coverage for electrical components.
- Powertrain Plus: As the name suggests, this is a powertrain warranty. It only covers the engine systems and major drive assembly components. It provides limited coverage for most systems, focusing on the most critical components. However, this plan does cover both the car’s induction system and, in the case of all-wheel drive vehicles, the transfer case.
All plans include 24/7 BMW roadside assistance. This gives you access to emergency roadside services such as towing, lockout, tire changes and jump starts.
Do You Need Extended Warranty Coverage?
Before purchasing extended coverage for your BMW you should first consider if you actually need warranty coverage. Every new BMW comes with an original warranty from the manufacturer. Some used BMWs also come with a warranty, as long as they are BMW Certified Pre-Owned (CPO). Therefore, there is generally no reason to buy an extended car warranty until after the factory warranty expires.
The factory warranty for BMW X series models includes:
- New Vehicle Warranty: 4 years/50,000 miles
- Rust Perforation Warranty: 12 years/unlimited miles
- Federal Emissions Warranty: Emissions related parts for 2 years/24,000 miles, specific control devices for 8 years/80,000 miles
The BMW new vehicle limited warranty is a standard bumper-to-bumper warranty. It promises to pay for covered repairs related to the engine, powertrain components, and most mechanical systems. When your new vehicle warranty expires, you may want to consider an extended car warranty.
A certified pre-owned warranty from the BMW dealer is a little less generous than CPO warranties offered by other manufacturers. It simply extends the new vehicle warranty by an additional year and unlimited miles for used cars.
Even after the factory warranty expires, a BMW extended warranty may not be worth the price if your car is reliable and repair costs are low.
But as all BMW owners are aware, BMW maintenance is particularly expensive. As luxury vehicles, BMW parts are expensive, so repairs can be costly. The average annual repair cost for a BMW is $968 according to RepairPal. This cost varies depending on the particular model.
Common BMW problems and their repair costs include:
- Brake master cylinder replacement: $471 to $722
- Air conditioning compressor replacement: $4,350 to $4,665
- Wheel hub replacement: $352 to $413
- AC evaporator replacement: $1,518 to $1,744
RepairPal rates most BMW vehicles between 2.0 and 3.0 out of 5.0 in terms of reliability. The BMW X5, X3, 750Li, and 335d score particularly low. The 335d has an average annual repair cost of $1,113, which is high even among BMW models.
Research the repair costs for your model of BMW, and compare this against the price of an extended warranty. This will help you determine the potential value of a vehicle protection plan, even if that value is peace of mind alone.
BMW Extended Warranty Cost
Your extended car warranty cost will be different for each person. Factors that impact the BMW extended warranty cost include:
- Vehicle model
- Vehicle mileage
- Level of coverage
- Contract term limit
You may also receive different quotes from different dealerships. Like the price of your vehicle, you can negotiate the cost of a BMW extended warranty.
BMWs are expensive vehicles to maintain, so vehicle service contracts are likely to be pricey. Some customers have reported prices as high as $6,500 for a 5-year/100,000-mile Platinum contract. Based on our research, a BMW extended manufacturer’s warranty is likely to cost between $3,500 and $6,000.
Contracts include $0 and $50 deductible options.
Benefits of a Third-Party Extended Warranty
Anytime you think about buying an expensive product, you should compare prices across providers. No matter the make and model of your car, the manufacturer isn’t your only option when it comes to purchasing extended warranty protection.
Generally, manufacturer extended warranties must be purchased when you buy your vehicle. They also require that your vehicle be serviced only at licensed dealerships. Dealerships are great places to have your car serviced, as technicians are able to specialize in specific manufacturers. However, depending on where you live or where you break down, getting your car to a dealership may not be convenient.
Vehicle protection plans from third-party providers often offer more flexible coverage options, contract start dates, and lower prices. You can easily get an instant free quote from most providers online.
|BMW Extended Warranty||Endurance Extended Warranty|
|Coverage Start Date||When original factory warranty expires||Anytime|
|Longest Term||100,000 miles||200,000+ miles|
|Levels of Coverage||3||6|
|Deductible||$0, $100 disappearing, or $250||$0, $50, $100, or $200|
|Where to Get Repairs||BMW dealerships||Any US or Canadian repair facility certified by the National Institute for Automotive Service Excellence (ASE)|
|Cancellation||Prorated refund||Refund available within 30 days|
|Rental Car Reimbursement||✓||✓|
|Availability||Purchase from dealerships||Get Quote|
Final Thoughts on the BMW Extended Warranty
The BMW extended warranty can cover your vehicle for up to 75,000 or 100,000 miles. Among manufacturer extended warranties, BMW’s offering is somewhat limited. Other warranties offer better coverage with more perks.
BMW’s Platinum level coverage is comparable to third-party bumper-to-bumper warranties, however you may be able to get a longer term and better perks with a third-party provider. Read our comprehensive Endurance warranty review for more information on our top pick. Our team also wrote in-depth CARCHEX and CarShield reviews. If you can’t decide between these providers, read our CarShield vs Endurance, Endurance vs CARCHEX, and CarShield vs CARCHEX reviews.
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.