USAA is one of the premier insurance providers in the US. It might follow that a USAA extended warranty would also be top-notch. But does USAA even sell an extended warranty? And if so, is the USAA extended warranty worth considering?

Here, we’ll explore USAA’s offerings and provide tips on finding the best extended car warranty company for your needs. Even if you’re just looking into warranties, it’s a good idea to compare quotes. Getting quotes from different providers is the first step to deciding if an extended auto warranty makes sense for your needs and budget.

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Does USAA Offer an Extended Car Warranty?

As of 2018, USAA no longer offers extended car warranty contracts. While USAA members who enrolled in their contract before 2018 are still covered under their vehicle protection plan, USAA does not currently offer alternative coverage options to new customers.

Does USAA Cover Mechanical Problems?

USAA does not cover mechanical problems. Common types of car insurance only pay for expenses that result from an accident, not mechanical breakdowns. Some insurance providers offer mechanical breakdown insurance (MBI), but USAA is not one of those companies.

Mechanical breakdown insurance is similar to a vehicle service contract. The major difference between MBI and an extended warranty is that the former is considered an insurance product and thus regulated by the state insurance commissioner. Only businesses with a property and casualty insurance license can sell MBI policies.

Some states, such as California, do not allow the sale of extended car warranties. Extended warranty companies must also offer MBI and therefore must be licensed by the state. This is why not all providers offer extended warranties in the state of California.

Do You Need an Extended Car Warranty?

A car insurance policy will help you repair your vehicle in the event of a major accident, but what about a common breakdown such as engine failure? A manufacturer’s warranty typically protects you from such expenses, but when it expires you have the option to purchase an extended vehicle protection plan.

When considering an extended car warranty, you should compare the price of your warranty with the cost of your vehicle’s annual repairs. Research the common repairs and typical maintenance costs for your vehicle to help determine the value an extended warranty could provide. Prices for extended car warranties vary depending on your vehicle. Older, high-mileage vehicles are generally more expensive to cover. We found that the typical price for an extended warranty can range anywhere from $600 to $1,000 per year.

There are a number of different warranty coverage levels ranging from a simple powertrain warranty intended to cover the engine and related components up to a bumper-to-bumper warranty intended to cover all major vehicle systems.

Even if you don’t take full advantage of your extended warranty monetarily, just having one may bring peace of mind. It can let you rest easy knowing that should an unexpected breakdown occur, you will be covered.

It should be noted that neither an extended warranty plan nor an auto insurance policy covers so-called ‘wear and tear’ items that have to be replaced or renewed due to normal wear on the car, including tear rotations, new windshield wipers, or oil changes.

Our Recommendations for Extended Car Warranties

While there is no USAA extended vehicle protection, there are a lot of other good warranty options. In addition to manufacturer extended warranties, there are reliable third-party providers. Our top three recommendations are Endurance, Protect My Car and CARCHEX. These coverage plans generally include 24/7 roadside assistance, rental car reimbursement, and towing services.

Endurance: Best Coverage

Endurance is one of the biggest names in the extended car warranty industry, and there are thousands of positive Endurance warranty reviews. This company is also a 2019 Inc. 5000 honoree backed by an AM Best A-rated insurance company.

Endurance has six comprehensive coverage plans to choose from, including the newest plan, EnduranceAdvantage. The Advantage plan covers both mechanical breakdowns and maintenance, which is uncommon in the extended car warranty industry.

To learn more about this company, check our review of Endurance and use the tool below to get a free quote.

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

CARCHEX: Best For Used Cars

CARCHEX reviews are also very high for an extended warranty provider. The company holds an A+ rating from the BBB. CARCHEX offers some of the lowest contract prices among top-tier providers, especially considering its long coverage terms.

CARCHEX is available nationwide and offers some of the longest coverage terms, which go as high as 10 years and 250,000 miles. It is a good option for those who drive a lot.

Learn more about CARCHEX extended warranties by getting a free, personalized quote.

Our research found this provider to offer the industry’s best service.

Protect My Car: Best Financing

Protect My Car reviews with the Better Business Bureau (BBB) are some of the highest we have seen from any company. Customers are extremely pleased with the company’s customer service and report friendly and courteous service representatives.

We think that Protect My Car offers some of the best long-term financing options. It has payment contracts that extend as long as 60 months. This means lower monthly payments, which could be more affordable for customers with a monthly budget.

To find out how much you would pay for a Protect My Car extended vehicle warranty, get a free quote for your vehicle.

Protect My Car is our pick for best financing.


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.