Are you considering purchasing a Toyota extended warranty? In this article, our review team discusses the details of Toyota’s extended warranty plans and how these plans compare to other leading warranty providers. We will also explain the benefits of purchasing a third-party extended warranty over a manufacturer extended warranty.
Toyota Extended Warranty:
A Toyota extended warranty exceeds the 3-year/36,000-mile bumper-to-bumper warranty that protects new Toyotas from manufacturing defects. The company offers additional protection for up to 10 years/125,000 miles for peace of mind on the road.
To see how Toyota’s coverage compares to top third-party companies, check out our review of the best extended auto warranty providers in the industry. You can get free, personalized quotes from our top choices below.
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Table of contents
Toyota Extended Warranty Overview
A Toyota extended warranty covers your vehicle after mechanical breakdowns for up to 5 years or 60,000 miles. Toyota offers three different extended warranty plans: Platinum Protection, Gold Protection, and Powertrain Protection.
Platinum offers the highest level of coverage similar to a bumper-to-bumper warranty, while the Powertrain warranty covers only a vehicle’s essential systems like the engine, transmission, and axle assembly. The maximum coverage term of each Toyota extended warranty plan depends on whether your Toyota is new or used.
|New Toyotas||Used Cars|
|Platinum Protection||10 years/125,000 miles||5 years/60,000 miles|
|Gold Protection||8 years/125,000 miles||5 years/60,000 miles|
|Powertrain Protection||6 years/100,000 miles||2 years/24,000 miles|
Below is a table breaking down the covered repairs that each Toyota plan offers. For every repair visit, you will owe a $100 deductible for service. If you take your Toyota to be repaired at the same facility at which you purchased your vehicle service contract, you may be eligible for your deductible to be decreased over time.
|Engine||10 years/120,000 miles||10 years/120,000 miles||10 years/120,000 miles|
|Computer and Electronics||✓||✓|
What’s Not Included
As with all extended warranties, a Toyota extended warranty does not cover regular wear and tear and routine maintenance items. For example, your oil changes and tire rotations are expenses you will still be responsible for. You can purchase a ToytaCare plan to cover regular Toyota maintenance costs. However, this is separate from the Toyota extended warranty. In addition, a Toyota extended warranty does not cover repairs at any repair shop you may like. Instead, you must bring your vehicle to a Toyota dealership each time for service.
Toyota extended warranty plans come with these features:
- 24/7 roadside assistance for one year
- Reimbursement for vehicle rentals, meals, and lodging for up
- Access to the nationwide Toyota service network and service by factory-trained technicians
- Transferable coverage from the original owner to a private party once at no cost
- $0 or $100 disappearing deductible if repairs are made at the dealership that originally sold you the extended warranty
- You can cancel your vehicle service agreement (VSA) within 30 days for a full refund for a $50 processing fee.
Toyota’s benefits are decent but are not nearly as good as those of some extended warranty companies, such as Endurance. Endurance’s Elite Membership includes a personal concierge assistant, reimbursement for tire repairs or replacements, a $250 voucher, and many other benefits.
Toyota Extended Warranty Cost
The cost of a Toyota extended warranty depends on several factors, including the mileage and age of your vehicle. For example, an extended warranty for a new Toyota will cost much less than an extended warranty for a Toyota with over 60,000 miles.
The cost also depends on whether the extended warranty is purchased through a Toyota dealership or an extended warranty provider. Money Crashers estimates that an extended warranty from a car manufacturer costs approximately $1,000 to $1,500.
This can be higher than purchasing a vehicle protection plan from a company like Endurance. In addition to the lower overall cost of a third-party extended warranty, if you’re financing your vehicle and buy a Toyota extended warranty, the cost of your warranty might be added to the cost of your vehicle. In that case, you would be paying interest on your extended car warranty.
Do You Need Extended Warranty Coverage?
If you can’t afford costly repairs to your vehicle, purchasing an extended warranty can be a smart decision. Some common repair costs can total $1,000 or more, which can put a big dent in your budget. With an extended warranty, you can generally make monthly payments and only pay a deductible for service.
The table below shows the cost of some expensive Toyota RAV4 repairs according to RepairPal.
|Toyota RAV4 Repairs||Cost|
|Fuel level sending unit replacement||$779 – $2,308|
|Heater core replacement||$786 – $1,147|
|Head gasket replacement||$1,122 – $1,608|
|Axle/half-shaft replacement||$504 – $1,382|
|Steering rack replacement||$1367- $2,123|
As a brand, Toyotas are very reliable. J.D. Power’s 2020 U.S. Vehicle Dependability StudySM ranked Toyota the fifth most reliable automobile manufacturer. Lexus, Toyota’s luxury vehicle division, ranked second in the study.
Similarly, RepairPal ranked Toyota as the seventh most reliable car manufacturer in its most recent reliability ratings. Drivers pay an average of $441 each year for maintenance and repairs, which is lower than the industry average of $652.
While Toyotas have a great reputation for reliability, they are far from immune to expensive repairs. Some Toyota vehicles may require one or more of the repairs seen in the table above. As with any vehicle brand or model, if you cannot afford a costly repair, it is still a good idea to purchase an extended auto warranty.
Toyota Factory and Certified Pre-Owned Warranties
Before buying an extended warranty for your Toyota, it is smart to consider how much of your Toyota factory warranty or certified pre-owned warranty is left on your vehicle. Drivers with relatively new cars still under Toyota’s bumper-to-bumper warranty might consider waiting until the end of that coverage before purchasing an extended warranty. Toyota’s bumper-to-bumper warranty is known as its Basic Coverage, and that level of coverage is very comprehensive.
Those with new or used cars already passed or coming to the end of the coverage period may want to purchase vehicle service agreements. Below are details on Toyota’s factory warranty for new vehicles and certified pre-owned used vehicles:
|Basic Coverage||Powertrain Coverage||Rust-Through Coverage||Hybrid Battery Warranty|
|Toyota Manufacturer Warranty||3 years/36,000 miles||5 years/60,000 miles||5 years/unlimited miles||10 years/150,000 miles (started in 2020)|
|Toyota Certified Pre-Owned Warranty||1 year/12,000 miles from date of pre-owned purchase||7 years/100,000 miles from date of pre-owned purchase||No additional coverage from manufacturer warranty||8 years/100,000 miles from original in-service date|
Benefits of a Third-Party Extended Warranty
When you decide to purchase a vehicle service contract, you have several warranty options. A third-party extended warranty is one that is sold by an extended warranty company rather than a Toyota dealer. While a manufacturer extended warranty has the advantage of supplying parts for repairs directly from the manufacturer, the cost of this type of extended warranty is typically high. Extended warranties that are not from manufacturers are generally more affordable, while providing the same or even better levels of coverage and benefits, like towing.
Check out the table below comparing an Endurance warranty with a Toyota extended warranty. As you can see, Endurance provides more coverage levels, longer terms, and the ability to start your extended warranty at any time. In addition, the repair network is broader than it is with a Toyota extended warranty.
|Toyota Extended Warranty||Endurance Extended Warranty|
|Coverage Start Date||Upon expiration of factory warranty||Anytime|
|Longest Term||125,000 miles||200,000+ miles|
|Levels of Coverage||3||6|
|Deductible||$0 to $100||$0, $50, $100, or $200|
|Where to Get Repairs||Toyota dealerships||Any US or Canadian repair facility certified by the National Institute for Automotive Service Excellence (ASE)|
|Cancellation||Refund available within 30 days||Refund available within 30 days|
|Rental Car Reimbursement||✓||✓|
|Availability||Purchase from Toyota dealerships||Get Quote|
For most drivers, it makes sense to purchase a Toyota extended warranty. The manufacturer will cover you for up to 10 years/125,000 miles and provide perks like roadside assistance. Third-party providers like Endurance and CarShield offer similar levels of coverage and service for an affordable price.
If you’re currently shopping for an extended car warranty, we recommend getting quotes from multiple providers so you can compare coverage and rates. You can get free quotes from Endurance and two other leading providers, CARCHEX and CarShield, below. You can also compare these providers directly our CarShield vs Endurance, Endurance vs CARCHEX, and CarShield vs CARCHEX reviews.