When you want to buy a used car, you’re looking for dependability. It’s no different for used car warranty companies. You want to find a company that protects your used car with good coverage and comes with a reputable track record.
There are good used car warranty companies out there–you just have to know where to look. We’ve spent time comparing coverage and reputation between the best extended car warranty companies to help you in the shopping process.
It’s always best to get multiple quotes from top providers to find the best extended warranty for your used car.
Best Used Car Warranty Companies
Below, we detailed the best used car warranty companies based on their performance in our 2021 best extended car warranty review, coverage limit, added perks, and industry standing.
|Used Car Warranty Companies||Star Rating|
(Out of 10.0)
|1. Endurance||9.6||200,000+ miles||Best Provider|
|2. CARCHEX||9.4||250,000 miles||Best for High-Mileage Cars|
|3. CarShield||9.0||200,000 miles||Most Affordable|
|4. Protect My Car||8.7||125,000 miles||Best Long-Term Financing|
#1 Endurance: Best Provider
Endurance extended warranties, also known as vehicle service contracts, can cover used cars up to 8 years and over 200,000 miles. That’s a generous coverage window compared to many other providers you can find on the market.
- Select Premier: Designed with high-mileage vehicles in mind, this tier offers coverage for powertrain, air conditioning and other electric components
- Supreme: Bumper-to-bumper warranty coverage with only a a few exclusions
- Superior: Covers hundreds of stated components
- Secure Plus: Covers powertrain components as well as some electrical systems
- Secure: Basic powertrain coverage for the engine, transmission and water pump
- EnduranceAdvantage™: Covers mechanical breakdowns as well as maintenance, which is uncommon for an extended car warranty
All Endurance car warranties come with roadside assistance, which includes towing and other emergency services. Plans also come with rental car reimbursement and trip interruption coverage. In addition, each plan comes with one year of Endurance Elite Benefits.
- Tire repair/replacement
- Key fob replacement
- Collision discount
- Total loss protection
Endurance has a C rating from the Better Business Bureau (BBB) and is not accredited by the organization. However, based on the company’s high-level partnerships, industry awards and longevity, it has plenty of credentials that speak to its strong reputation in the industry.
#2 CARCHEX: Best for High-Mileage Cars
Out of the used car warranty companies on our list, CARCHEX offers the warranty plans the longest coverage term — up to 250,000 miles. That makes it great option for covering older vehicles.
Here is what each CARCHEX extended car warranty covers:
- Titanium: Exclusionary bumper-to-bumper warranty coverage much like a factory warranty
- Platinum: Stated-component coverage for hundreds of parts and systems
- Gold: Protection for all major systems and best suited for high-mileage vehicles
- Silver: Covers essential systems
- Bronze: Protects drivetrain components like the drive axle, engine and transmission
Here’s what’s included in each CARCHEX plan:
- 24/7 roadside assistance
- Trip interruption service
- Rental car reimbursement
- Gas delivery
CARCHEX holds an A+ rating from the BBB as well as accreditation from the organization. The company also has partnerships with several high-profile auto industry brands, such as CARFAX, Edmunds.com and Kelley Blue Book.
#3 CarShield: Most Affordable
CarShield warranties offer covered repairs for vehicles with up to 200,000 miles. The company was started in 2005 and today is the most popular provider we’ve researched. Over 22,600 reviewers on Trustpilot give CarShield a 4.0-star rating, and the company has over 3,000 ratings between Google and the Better Business Bureau (BBB) as well.
Here are the coverage options you have with CarShield:
- New Car Diamond: Exclusionary bumper-to-bumper coverage
- Platinum: Covers the engine, transmission, air conditioning, electrical system and more
- Gold: Mid-tier coverage for some of your most essential components as well as a few accessory parts
- Silver: Basic and affordable powertrain coverage
- Aluminum: Covers many electronic and computer-related parts and problems
- Motorcycle and ATV: Covers motorcycles and all-terrain vehicles
CarShield also offers more affordable monthly payments than many used car warranty companies we researched. If you drive a high-mileage vehicle or one whose model years are well in the past, it would be worth getting a quote from CarShield to see what prices are available.
#4 Protect My Car: Best Long-Term Financing
The longest coverage term from Protect My Car extends to 125,000 miles, which isn’t as long as the other used car warranty companies on our list. It has also has the fewest levels of coverage among these providers.
Here are Protect My Car’s three extended auto warranty plans:
- Supreme: Offers bumper-to-bumper coverage for most mechanical and electrical parts, including the turbocharger and high-tech equipment, similar to your original manufacturer’s warranty
- Select: Best suited for cars over 50,000 miles and covers essential components such as the steering, front and rear suspension and brakes
- Driveline: Protects the engine, transmission, drive axle and fuel system
However, Protect My Car is one of the few providers that offers prepaid routine maintenance coverage plans along with auto repair coverage. You can get this kind of coverage with one of the company’s Ambassador Maintenance Plans. These plans cover a fixed portion of most car repairs (except wear-and-tear items) along with maintenance items like oil changes and tire rotations.
The company is in good standing with its customers, as it has a 4.5-star rating from the BBB and a 4.6-star rating on Trustpilot.
How Much Is an Extended Warranty on a Used Car?
In our research, we reached out for quotes from different providers for coverage for a 2012 Subaru Outback with 88,000 miles. Depending on how long you make payments for, you could get extended warranty coverage for about $70 to $108 per month.
|Used Car Warranty Companies||Plan||Term Length||Monthly Payment||Total Price|
with a $100 deductible
|$70 for 36 months||$2,671|
with a $100 deductible
|$108 for 24 months||$2,592|
with a $100 deductible
|Unlimited||$99 monthly||Varies depending|
on term length
|Protect My Car||Driveline|
with a $100 deductible
|$79 for 48 months||$3,842|
Because the CARCHEX plan offers a longer coverage term, it’s helpful to look at plans in terms of price per year of coverage. When you take the total price divided by years, you get a price per year of about $534 for Endurance and $432 for CARCHEX. It’s important to keep in mind though that terms also come with a mileage limit, so if you hit your maximum mileage first, your cost per year of coverage would vary.
Do You Need a Used Car Warranty?
So, how do you tell if an extended car warranty is worth it? Well, the first place to start is your monthly budget. Can you afford to pay for a $1,000 or $2,000 repair out of the blue? Repair costs depend on the make, model and mileage of your vehicle, along with how well you maintain it.
For example, Mazda drivers spend $462 on average per year for maintenance and repairs, according to RepairPal. The brand has low repair costs overall compared to other brands. At the same time, a single head gasket repair for a Mazda CX-5 can cost between $1,143 and $1,370. A Mazda extended warranty can help with these costs.
Also, are you confident that you know your car’s service history? If you don’t have a solid history of maintenance on the vehicle, who knows what was replaced last. You can get an inspection when you’re looking at a used car, but an inspection can’t tell you everything about the car’s history. Having coverage from one of the best used car warranty companies can provide peace of mind in these situations.
What Coverage Does the Used Car Already Have?
Another thing to think about is whether the used car you have or are thinking of buying is still under a factory warranty of some kind. If it’s a newer vehicle, it may still have bumper-to-bumper coverage. After the bumper-to-bumper warranty expires, a powertrain warranty could continue for a couple of years. You’ll want to know the limits of the factory warranty period to maintain coverage for repairs once it expires.
You can get an extended warranty from the manufacturer in certain situations. Be aware that some manufacturers only allow secondary car owners to purchase an extended warranty on the day they buy the used vehicle from a dealer.
If you purchase a used car from a private party, you might not be able to get an extended warranty from the manufacturer. Similarly, if you buy a certified pre-owned (CPO) vehicle, you can usually extend the CPO warranty on the purchase day but not after you take it home.
On the other hand, third-party used car warranty companies will let you add a plan long after the factory warranty has expired. The providers we covered today all have long eligibility periods. Third-party plans also let you take your car to any licensed repair shop, while manufacturer-backed plans will require you to use repair facilities at dealerships.
How Do I Buy a Used Car Warranty?
You can buy a used car warranty in a few different ways, but all of the used car warranty companies we’ve covered today sell plans online, which makes things easy. When you visit a provider’s website, take some time to read through its sample contracts.
When you’re ready for a quote, you can either fill out an online quote form or call the company directly. You’ll need to provide basic information about your car like its make, model and mileage. Once you find a quote for a plan that you like, you can purchase it online or over the phone.
All of the providers on our extended car warranty companies list also offer 30-day money-back guarantees. Take that time to read the fine print and ask any questions if you’re unsure about something.
What to Look For in Used Car Warranty Companies
There are a few things to look for in used car warranty companies.
- Coverage limits: Considering the mileage that your vehicle can have, you’ll definitely want to find a provider that covers plenty. If your car is past the 200,000-mile mark, CARCHEX would be the best option at that point.
- Customizable coverage: When you get a quote, the company will probably give you multiple options of time and mileage for a single plan. You can usually customize coverage according to your driving habits and whether you drive more or less than the average person.
- Plan choice: You’ll also want to shop with used car warranty companies that have many plans to choose from. Different levels of coverage will cover different systems on the car, and they’ll have different price points, too.
- Transferable: If you plan on selling your vehicle in the next couple of years, make sure the company offers transferable car warranty plans All of the providers we’ve covered today allow you to transfer the warranty to a secondary buyer.
Remember, you’ll find different prices because extended car warranty costs are based on your unique situation. Get free quotes from a few reputable extended car warranty companies so you can compare plans and pricing.
FAQ: Used Car Warranties
Is a vehicle protection plan the same thing as an extended warranty?
Extended warranties go by several other names, including auto protection plans, vehicle service contracts and others. But they all refer to the same idea — paying a premium to protect yourself from unexpected repair bills.
Do you need to pay a deductible if you have an extended car warranty?
Usually, yes. Most extended car warranties have a deductible you’ll need to meet before the warranty company pays the remainder.
Who has the best used car warranty?
Based on our research, our experts chose Endurance as Best Overall among the extended car warranty providers we reviewed.
Can you buy an extended warranty on a used car?
You can purchase an extended warranty on a used car at almost any point in the vehicle’s life. Keep in mind that new cars come with an original warranty from the manufacturer, so check to see if you have any preexisting coverage beforehand.
Is there a 30-day warranty on used cars?
In the United States, some dealers may offer a 30-day warranty on a used vehicle, but it’s not a standard practice. The car’s manufacturer may offer a certified pre-owned (CPO) warranty if it meets certain conditions.
Do car warranties transfer?
Many auto warranties are transferable to subsequent vehicle owners, usually for a small administrative fee. To see if your protection plan is transferable, read the fine print of the contract.
The Detroit Bureau collects data from every major car warranty provider to formulate rankings of the best warranty companies. Our in-depth rating system takes into account coverage, pricing, transparency, customer satisfaction and ratings from industry experts. Each provider is given a weighted score in five categories, as well as an overall score out of 10.0.
We recommend auto warranty companies based on these rankings, but we also encourage you to perform your own research and compare quotes to find the best coverage.