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If you’re planning to keep an older vehicle, it’s likely that you’ve considered the purchase of a used car warranty. Even the most reliable cars face issues as they age, making expensive and unexpected repairs a very real possibility.
We’ve reviewed various used car warranty plans, their average costs, and overall customer reviews to discover the best extended car warranty companies of 2022. Read on to learn whether a used car warranty would be the right choice for your aging vehicle.
Table of contents
- What Does a Used Car Warranty Cover?
- How Much Does a Used Car Warranty Cost?
- Is a Used Car Warranty Worth Buying?
- 5 Best Used Car Warranty Companies
- 1. Endurance Warranty: Best Coverage
- 2. CARCHEX: Best for Used Cars
- 3. Protect My Car: Best Financing
- 4. CarShield: Best Value
- 5. autopom!: Best Claims Process
- What Is a Used Car Warranty?
- Bottom Line on Used Car Warranty Plans
- Q & A
What Does a Used Car Warranty Cover?
When looking for pre-owned vehicle protection, you may be able to purchase coverage from your car’s manufacturer if you’re still under a certain mileage limit. Generally, third-party warranty companies offer higher mileage limits than extended factory warranty options. The best used car warranty companies have comprehensive coverage up to 200,000 or even 300,000 miles.
The exact coverage details of a used car warranty depend on the plan you choose. From a basic powertrain plan up to an exclusionary warranty that includes routine maintenance, most providers have options to fit any needs or budget.
|Endurance||CARCHEX||Protect My Car||CarShield|
|Highest Mileage Limit||200,000+ miles||250,000 miles||125,000 miles||300,000 miles|
|Rental Car Reimbursement||✓||✓||✓|
|Other Perks||One year of Endurance Elite Benefits|
The best coverage for your vehicle depends on its reliability and age. As vehicles grow older and add extra miles, repair needs change and cars become more likely to break down. A used car warranty can help protect your wallet against unexpected repair bills.
Used Car Warranty Exclusions
Even if you get an exact copy of a manufacturer warranty for your used car, some parts aren’t covered at the repair facility. Below are some common exclusions from vehicle service contracts:
- Damage covered by a car insurance company (collisions, floods, theft, vandalism)
- Damage from abuse or neglect by car owners
- Damage from improper maintenance
- Common wear-and-tear items such as brake pads and wiper blades
- Cars from certain model years
How Much Does a Used Car Warranty Cost?
Used car warranty companies charge anywhere between $1,500 and $4,000 for a contract. While you’ll sometimes find prices outside of that range, you’ll likely sit on the lower end of that limit.
The exact cost of your warranty plan will depend largely on how extensive and long-lasting your contract is. Expect to spend more money if you opt for a yearslong extended warranty that cover nearly every component on your vehicle.
Bumper-to-Bumper Used Car Warranty Costs
Below are quotes from five used car warranty companies for a bumper-to-bumper warranty on a 2017 Ford Explorer with 45,000 miles. All plans came with a $100 deductible.
|Endurance||CARCHEX||Protect My Car||CarShield|
|Term Limit||3 years/
|4 years/100,000 miles||Unlimited month-to-month contract|
for 18 months
for 18 months
for 48 months
CARCHEX offers an exceptional value for its bumper-to-bumper coverage, which lasts significantly longer than other options and costs around the middle of the pack. CarShield is also a strong choice, while Protect My Car justifies its higher rates with long-term payments and superb customer service.
Powertrain Used Car Warranty Costs
We also received quotes for a basic powertrain warranty, which is typically the lowest level of coverage that used car warranty companies offer. These quotes were for a 2012 Honda Civic with 88,000 miles. All plans came with a $100 deductible.
|Endurance||CARCHEX||Protect My Car||CarShield|
|Term Limit||5 years/
|4 years/75,000 miles||Unlimited month-to-month contract|
for 36 months
for 18 months
|$79 for 48 months||$129.99 monthly|
One detail worth noting for extended car warranty costs is that used car warranty providers often require a down payment. This is separate from your monthly payment, and you must pay it before coverage starts.
Drivers should make sure to review the fine print of their contract to see if the company has cancellation of transfer fees. It’s common for providers to offer a full refund within the first 30 days of warranty coverage.
Factors that Affect Used Car Warranty Costs
Whether you’re buying a bumper-to-bumper warranty or a basic powertrain warranty, there’s no set guideline for used car warranty costs. The price of your vehicle service contract typically depends on:
- Chosen level of coverage
- Length of your contract
- Deductible amount
- Vehicle make, and model
- Vehicle age and mileage
If your used vehicle already has many miles on the odometer, it will likely cost more to cover than a new and lower-mileage car. Mechanical breakdown coverage bought from a dealership usually leads to higher price tags as well.
If you’re interested in checking out potential costs for used car warranties, try comparing free, no-obligation quotes from various providers.
Is a Used Car Warranty Worth Buying?
Buying an extended warranty for your used car is worth it if you want the peace of mind that comes with knowing you are protected from unexpected costs at the repair shop.
Consider some covered repairs and their costs as reported by RepairPal:
|AC condenser replacement||$604 to $701|
|Head gasket replacement||$1,808 to $2,098|
|Spark plug replacement||$196 to $251|
|Alternator replacement||$573 to $742|
|Starter replacement||$420 to $551|
|Fuel pump replacement||$806 to $967|
|Transmission replacement||$4,924 to $5,119|
If you prefer to know that unexpected and expensive repair costs such as the ones above will be covered, a used car warranty is a wonderful option for you.
Extended Warranty Survey Results
In 2021, we polled 1,000 consumers who had bought an extended auto warranty or considered buying a warranty for their vehicle. Of those respondents, nearly 41 percent said they were happy with their purchase because it covered needed repairs. Meanwhile, another 24 percent said they were satisfied despite not filing a warranty claim.
About 22 percent of respondents paid less than $1,500 for their coverage, and another 45 percent paid between $1,500 and $2,500.
5 Best Used Car Warranty Companies
We researched every major used car warranty provider in the industry, taking into account reputation, coverage, price, transparency, and customer service. The following providers emerged as the best choices among extended warranty companies for used cars:
|Used Car Warranty Companies||Overall Star Rating||Award|
|CARCHEX||4.4||Best for Used Cars|
|Protect My Car||4.3||Best Financing|
|autopom!||4.2||Best Claims Process|
You’ll gain extensive vehicle service contracts from any of these providers, but they specialize in different types of protection. Read on to figure out which extended warranty company best suits your own needs.
1. Endurance Warranty: Best Coverage
|Endurance Warranty Pros||Endurance Warranty Cons|
|Coverage up to 8 years/200,000+ miles||Endurance Elite Benefits end after a year|
|Wide array of plans||Not available in California|
|Direct warranty provider|
Endurance stands out for its comprehensive coverage and benefits for used cars. Drivers have access to six levels of coverage ranging from powertrain coverage to bumper-to-bumper protection. You’ll also receive one free year of Endurance Elite Benefits, which include perks such as tire repairs and replacements, a collision discount, and key fob replacements.
With the EnduranceAdvantage™ plan, the highest level of coverage, you can get coverage for up to 8 years/200,000+ miles.
Our rating: 4.6 out of 5.0
Endurance is our pick for best coverage with its comprehensive warranty options.
We give Endurance 4.6 out of 5.0 stars for its stellar coverage plans and the breadth of its Endurance Elite Benefits. To learn more about this direct warranty provider, head to our Endurance warranty review.
2. CARCHEX: Best for Used Cars
|CARCHEX Warranty Pros||CARCHEX Warranty Cons|
|Coverage up to 10 years/250,000 miles||Somewhat mixed customer reviews|
|A+ rating from the BBB|
|Endorsements from CARFAX and Kelley Blue Book|
Known for its coverage of high-mileage vehicles, CARCHEX has arguably the best reputation among these used car warranty providers. CARCHEX carries an A+ rating from the Better Business Bureau (BBB) and is highly regarded in the extended warranty industry.
Drivers can get CARCHEX used car warranty coverage for vehicles up to 10 years/250,000 miles. This is a relatively long length of protection even compared to other high-mileage warranty providers.
Our rating: 4.4 out of 5.0
Our research found this provider to be the best for used cars.
We give CARCHEX 4.4 stars out of 5.0 for having coverage in all 50 states and for its low-priced offerings. You’ll find more information about coverage options and pricing in our full CARCHEX review.
3. Protect My Car: Best Financing
|Protect My Car Warranty Pros||Protect My Car Warranty Cons|
|Long-term payment plans||Fewer plans to choose from|
|Ambassador Maintenance Plans for older vehicles||Can be more expensive overall|
|PMC Rewards program|
Known for its breadth of coverage, Protect My Car is another solid choice among used car warranty companies. In addition to traditional extended warranties with limits up to 125,000 miles, Protect My Car offers Ambassador Maintenance Plans to help pay for maintenance, even if your car has more than 125,000 miles.
Protect My Car receives 4.5 stars out of 5.0 from the BBB, an outstanding performance in the extended warranty industry. It offers coverage in every state except for Alaska, California, Hawaii, Missouri, Oklahoma, and Washington.
Our rating: 4.3 out of 5.0
Protect My Car is our pick for best long-term financing.
We give Protect My Car 4.3 stars out of 5.0 for its superb customer service and long-lasting payment plans. If you’re still wondering about PMC warranties, head to our complete Protect My Car review.
4. CarShield: Best Value
|CarShield Warranty Pros||CarShield Warranty Cons|
|Coverage up to 300,000 miles||A larger number of negative reviews than some competitors|
|Consistently affordable rates|
|Wide range of plans|
CarShield is a well-known used car warranty company with mileage limits reaching up to 300,000 miles. This provider is popular for its low-cost used car warranty options, and positive CarShield reviews often focus on the value of the company’s protection plans.
In addition to five extended warranty plans for cars, CarShield offers coverage for motorcycles and ATVs. This is a rarity in the industry, as most providers will only offer protection for standards cars and trucks.
Our rating: 4.2 out of 5.0
Our research found this provider to be the most affordable. Plus, it offers monthly plans.
We give CarShield 4.2 stars out of 5.0 for its extensive selection of protection plans and for its overall affordability. To find out more about cost and coverage options, look at our CarShield review.
5. autopom!: Best Claims Process
|autopom! Warranty Pros||autopom! Warranty Cons|
|Excellent customer reviews||Shorter mileage limits|
|Straightforward quotes process||Doesn’t cover luxury vehicles|
|Easy to file a claim|
autopom! is another third-party extended warranty provider with a strong reputation. The company has an A+ rating from the BBB as well as a 4.6-star customer rating out of 5.0 on the BBB website. Your vehicle can have coverage for up to 7 years/150,000 miles when you pick an autopom! plan.
It’s possible to get autopom! coverage in every state except for California, where the provider offers mechanical breakdown insurance. MBI coverage is extremely similar to a vehicle service contract, so drivers in the Golden State can still take advantage of the positives that come with autopom! protection.
Our rating: 4.2 out of 5.0
autopom! is our pick for best customer experience.
We give autopom! 4.2 stars out of 5.0 for its excellent customer service and strong claims process. To discover more details about the provider, it’s worth checking out our extensive autopom! review.
What Is a Used Car Warranty?
A used car warranty, also known as an extended auto warranty, is a simple way to make sure that unexpected repair costs are covered down the road. They exist to offer peace of mind to drivers and to remove the hassle that comes with mechanical breakdowns when they occur.
When Should I Buy a Used Car Warranty?
Most new car limited warranties expire somewhere between three and five years after the car’s original in-service date. After this time, most drivers have to pay out-of-pocket for damages resulting from parts defects or workmanship errors. This is where used car warranty plans come in.
With used car warranty coverage, certain vehicle components will gain extended protection against defective components or workmanship flaws. Extended warranties usually also come with added benefits such as roadside assistance, towing services, and rental car reimbursement. Combining all of these together, drivers gain peace of mind on the road, regardless of their vehicle’s age and mileage.
Bottom Line on Used Car Warranty Plans
To see how much you could save on repairs with a vehicle protection plan, consider comparing free quotes on used car warranties from Endurance, CARCHEX, Protect My Car, CarShield, and autopom!
Any of these companies will protect older and higher-mileage vehicles with quality coverage at relatively reasonable rates. Expect to gain peace of mind when using these providers, as their extended warranty plans receive superb reviews from a large majority of drivers.
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.