Here’s a breakdown of how we reviewed and rated the top auto warranty providers
Did You Know? Auto manufacturers offer protection against mechanical breakdowns through extended car warranties. While similar coverage from third parties is available, this coverage is technically considered a vehicle service contract. Many consumers and third-party companies commonly use these terms interchangeably, so we’ve done the same in this article.
What Are the Highest Rated Car Warranty Companies?
According to our review, Endurance is the highest rated car warranty company due to the provider’s coverage options and reputation. Endurance earned a 4.5 out of 5 star rating in our 2025 review of over 40 car warranty providers. Here’s a quick breakdown of our best extended car warranty providers:
| Extended Car Warranty Company | Our Overall Rating (Out of 10) | Our Award |
|---|---|---|
| Endurance | 4.5 | Best Comprehensive Coverage |
| Carchex | 4.2 | Best Industry Reputation |
| autopom! | 4.4 | Best Value |
| Omega Auto Care | 4.3 | Best Maintenance Benefits |
| Toco | 4.5 | Best Customer Service |
#1 Endurance: Best Comprehensive Coverage
Endurance is our pick for the best overall car warranty company and named Best Comprehensive Coverage. As one of the few direct providers, Endurance handles claims without a separate administrator. This means you’ll work with the same service representatives when filing a claim as you did when getting a quote, which can lead to a hassle-free repair process.
| Category | Endurance Rating | Industry Average |
|---|---|---|
| Reputation | 4.6 | 3.9 |
| Coverage | 4.9 | 4.2 |
| Cost | 4.4 | 3.9 |
| Transparency | 4.9 | 3.7 |
| Customer Experience | 4.2 | 3.6 |
| Overall Score | 4.6 | 3.9 |
Direct provider
Comprehensive coverage plans with routine maintenance options
Plans honored at repair shops nationwide
No mileage caps
Not always the cheapest extended warranty option
Endurance offers coverage levels ranging from powertrain protection to exclusionary plans:
| Endurance Warranty Plan | What it Covers |
|---|---|
| Supreme | As the most comprehensive plan, Supreme covers nearly all mechanical and electrical components other than a few exclusions. |
| Superior | Superior is the highest level of stated-component coverage and takes care of most major systems. |
| Secure Plus | Along with some electrical components, Secure Plus covers your car’s powertrain, air conditioning, brakes and steering. |
| Secure | Secure is the most budget-friendly plan, protecting the engine, transmission and water pump. |
| Select Premier | This plan is tailored to used cars and covers the powertrain, electrical system, cooling system, air conditioning and heating and fuel systems. |
| Endurance Advantage | Advantage’s three sub-tiers (Prime, Plus and Preferred) combine stated-component coverage and prepaid maintenance services like oil changes. |
Endurance customers get one free year of Endurance Elite Benefits with their extended warranty plan, which includes perks like key fob replacements and tire repairs or replacements. A vehicle service contract from Endurance can last for up to eight years with no mileage limit.
You can pay for an Endurance vehicle service contract up front or break it up into monthly payments. According to quotes we received in February 2025, Endurance warranty plans cost between $97 and $115 per month for a 30-month/40,000-mile term length. Total costs for a variety of plan options range from $2,944 to $3,468.
Keep in mind that Endurance auto protection costs can vary depending on the vehicle and level of coverage.
Endurance currently has an A- rating from the BBB and is accredited by the organization. Customers on the platform give Endurance an average rating of 3.8 out of 5 stars. Endurance has a weighted average rating of 4 out of 5 stars on Trustpilot, with 74% of customer reviews giving the company four or five stars.
#2 Carchex: Best Industry Reputation
With over 20 years of experience in the industry, Carchex is one of the longest-standing car warranty companies. The provider is backed by industry leaders including KBB, Edmunds.com, RepairPal and Carfax and has received several recognitions and awards. All of this led us to recognize Carchex as the provider with the Best Industry Reputation.
| Category | Carchex Rating | Industry Average |
|---|---|---|
| Reputation | 4.7 | 3.9 |
| Coverage | 4.9 | 4.2 |
| Cost | 3.8 | 3.9 |
| Transparency | 4.9 | 3.7 |
| Customer Experience | 4 | 3.6 |
| Overall Score | 4.4 | 3.9 |
Covers vehicles up to 250,000 miles
Partnerships with Kelley Blue Book, RepairPal and other top industry names
Excellent customer service reputation
Services and fees may vary by administrator
Carchex offers five coverage options for cars with up to 250,000 miles, making it an excellent choice for drivers with older, higher-mileage vehicles. Here’s a quick look at the customizable levels of coverage from Carchex:
| Carchex Plan | What it Covers |
|---|---|
| Titanium | This exclusionary coverage plan applies to most vehicle components. |
| Platinum | As the highest level of stated-component coverage, Platinum covers hundreds of parts. |
| Powertrain Plus | This covers most major vehicle systems, including the powertrain elements, air conditioning and an array of electrical components. |
| Powertrain | This is basic powertrain coverage that protects the engine, transmission and drive axle. Ideal for high-mileage vehicles. |
| Extra Care | The Extra Care plan covers several key non-powertrain vehicle components, including the electrical system, steering, suspension and brakes. |
*Some Carchex plans may not be available in all states or for all vehicles.
Although your benefits may vary depending on the contract administrator, Carchex vehicle protection plans typically come with roadside assistance, rental car reimbursement and trip interruption benefits.
We requested quotes from Carchex in February 2025 for three different vehicles, including a Nissan Rogue, Toyota Corolla and Toyota Tacoma. We chose a truck, SUV and sedan to represent a variety of drivers. Based on these quotes, a Carchex warranty plan generally costs between $149 and $160 per month with unlimited/month-to-month terms.
While Carchex has a 2.4-star score on Trustpilot, 82% of customers give the provider a 4-star rating or higher. Customer reviews frequently mention the company’s smooth claims process, helpful service representatives and ability to resolve issues quickly.
#3 Autopom!: Best Value
Autopom! offers affordable vehicle service contracts that are handled by A-rated administrators. We recognized it for having the best value due to its reasonable pricing and discount availability, combined with high customer service scores.
| Category | Autopom! Rating | Industry Average |
|---|---|---|
| Reputation | 4.3 | 3.9 |
| Coverage | 4.5 | 4.2 |
| Cost | 4.2 | 3.9 |
| Transparency | 4.6 | 3.7 |
| Customer Experience | 4.4 | 3.6 |
| Overall Score | 4.4 | 3.9 |
Excellent customer reviews
Affordable rates
Simplified but extensive coverage options
High down payments
Contract availability varies by location
Autopom! offers three main levels of coverage, making it a great choice for drivers who want simplified but dependable warranty options:
| Autopom! Warranty Plan | What it Covers |
|---|---|
| Exclusionary | This is autopom!’s bumper-to-bumper warranty and covers most mechanical and electrical components, aside from a small list of exclusions. |
| Mid-Level | Mid-level plans cover powertrain components in addition to the suspension, steering, cooling, braking and fuel delivery. |
| Powertrain Plus | The Powertrain Plus plans give you coverage for named components that are a part of the major systems, such as the engine, transmission and drive axle. |
Autopom! vehicle service contracts feature rental car reimbursement, roadside assistance and trip interruption benefits for covered breakdowns far from home. Some plans also feature tire protection that pays to repair damage related to road hazards such as potholes or nails.
In February 2025, we received a quote of $136 per month from autopom! for a 2017 Toyota Tacoma with 100,000 miles for an exclusionary plan that lasts four years with unlimited miles. It’s important to note that though the plan lasts for four years, your monthly payments will only be for two years. This makes autopom! one of the most affordable companies on our list.
Customers generally give autopom! positive feedback online. The provider has an average rating of 4.8 out of 5 stars on Trustpilot, with 94% of reviews at the four and five-star level. Autopom! carries an A+ rating from the BBB. Although there aren’t many customer reviews on the site, the average rating stands at a strong 4.1 out of 5 stars.
#4 Omega Auto Care: Best Maintenance Benefits
Omega Auto Care is a reputable warranty company that provides transparent, detailed coverage information and sample contracts for its plans. The provider takes our Best Maintenance Benefits award because each plan includes perks like oil changes, brake pad and shoe replacements, battery replacements plus maintenance for lube and cooling systems.
| Category | Omega Auto Care Rating | Industry Average |
|---|---|---|
| Reputation | 4.4 | 3.9 |
| Coverage | 4.9 | 4.2 |
| Cost | 3.7 | 3.9 |
| Transparency | 4.7 | 3.7 |
| Customer Experience | 3.6 | 3.6 |
| Overall Score | 4.3 | 3.9 |
Offers maintenance coverage with plans
Strong customer reviews
Generous coverage terms and mileage limits
Only one deductible option
Reports of difficulty canceling coverage
Omega Auto Care provides three main coverage options for drivers, with one plan offering two upgrade options. The table below provides details on each of the plans available:
| Omega Auto Care Warranty Plan | What it Covers |
|---|---|
| Exclusionary | Exclusionary is most similar to a bumper-to-bumper warranty or a factory warranty. However, it only covers vehicles up to seven years old and with less than 100,000 miles on the odometer when purchased. |
| Used Stated | The Used Stated plan covers vehicles up to 10 years old and with less than 150,000 miles. It protects the major systems of the car, along with the heating, cooling, fuel, steering, suspension, brake and electrical systems. |
| Powertrain Enhanced | The Powertrain Enhanced plan is the highest powertrain plan upgrade and protects the main components of your vehicle in addition to the cooling system and fuel system parts. |
| Powertrain Plus | Powertrain Plus is an upgrade to the basic powertrain plan and covers additional parts for the air conditioning, heating and electrical systems. |
| Powertrain | The Powertrain plan only covers components related to the engine, forced induction, transmission, transfer case and drive axle. |
Powertrain plans are for car models less than 15 years old and with less than 250,000 miles. Sample contracts can be found on Omega Auto Care’s website to see what is and isn’t covered under warranty. On top of that, all vehicle service contracts have a 30-day money-back guarantee.
Omega Auto Care offers average rates for its extended auto warranty plans. According to quotes we received in 2023, the average price range for a vehicle service contract is $2,880 to $3,720 depending on the level of coverage and term length you choose. The quotes we received were for a payment term of 24 months, but plans could last up to 5 years/100,000 miles.
In addition to its transparency, according to customer reviews, Omega Auto Care has a largely positive reputation. The company holds an A+ rating and 3.6 out of 5 stars from the BBB. Similarly, on Trustpilot, Omega Auto Care has a solid 3.7-star rating.
Reviews across these sites highlight helpful customer service representatives and a smooth claims and repairs process. However, some reviews mention difficulty canceling contracts, getting robocalls or being denied coverage for repairs. However, it’s worth noting that Omega Auto Care did respond to all complaints filed on the BBB.
#5 Toco: Best Customer Service
Toco offers four levels of quality vehicle protection with a reputation for excellent customer service. We gave the company our Best Customer Service award partly due to the strong feedback it receives on sites like Trustpilot and the BBB. Toco also features an online chat service and a simple quote process.
| Category | Toco Rating | Industry Average |
|---|---|---|
| Reputation | 4.4 | 3.9 |
| Coverage | 4.2 | 4.2 |
| Cost | 4.2 | 3.9 |
| Transparency | 4.1 | 3.7 |
| Customer Experience | 4.8 | 3.6 |
| Overall Score | 4.2 | 3.9 |
Plans administered in-house (no intermediary)
No down payment
Coverage up to 250,000 miles
No mobile app
Plan availability determined by mileage
Toco offers four levels of coverage, all of which are dependent on a vehicle’s odometer reading. Here’s a look at how the company’s mileage-based plans compare:
| Toco Warranty Plan | What it Covers |
|---|---|
| Orange | Designed for cars with up to 100,000 miles, this is a comprehensive plan that has only a short list of exclusions. |
| Yellow | This plan is for vehicles with between 100,000 and 150,000 miles. It’s a mid-level warranty that protects the engine, transmission, cooling system, air conditioning, fuel system and high-tech components. |
| Blue | The Blue plan is for cars with between 150,000 and 200,000 miles and adds the air conditioning and electrical systems to basic powertrain coverage. |
| Green | This is a basic powertrain warranty designed for cars with 200,000 to 250,000 miles. It protects the engine, transmission, drive axle, transfer case and turbocharger/supercharger. |
All Toco warranty plans come with 24-hour roadside assistance (including towing), trip interruption coverage, rental car reimbursement and concierge services.
Toco vehicle protection plans are typically cheaper than the industry average. Depending on the coverage level chosen, the quotes our team received from Toco ranged from about $79 per month to just over $100 per month. These monthly rates come in decidedly lower than the ones we were quoted by better-known names like Carchex and CarShield.
Toco receives mostly positive reviews from customers online. The company has an excellent 4.5 out of 5-star rating on Trustpilot from over 500 reviews. Toco carries a 4.6-star rating on the BBB, albeit from just under 150 total reviews. The BBB also gives Toco an A+ rating, which shows that the warranty provider is responsive when it comes to customer complaints.
Compare the Best Car Warranty Companies
We’d recommend any of our top-ranked extended car warranty companies, but some providers are especially strong in certain areas. The following sections highlight the best companies for specific vehicle protection criteria.
Endurance has our highest rating in the cost category and is likely your best choice if price is your top priority. The company features a streamlined selection of plans and below-average costs per year of warranty coverage.
| Company | Cost Rating |
|---|---|
| Endurance | 4.4 |
| autopom! | 4.2 |
| Toco | 4.2 |
| Carchex | 3.8 |
| Omega Auto Care | 3.7 |
Endurance offers vehicle service contracts with no mileage limits, so it’s tough to beat the provider when it comes to protecting older vehicles with high odometer readings. Carchex, Omega Auto Care and Toco all offer coverage for cars with up to 250,000 miles.
| Company | Mileage Limit |
|---|---|
| Endurance | Unlimited |
| Carchex | 250,000 |
| Omega Auto Care | 250,000 |
| Toco | 250,000 |
| autopom! | 150,000 |
Omega Auto Care is best for term length selection offering the longest term length of the companies we reviewed, almost doubling some of the other providers’ term length offerings.
| Company | Longest Term |
|---|---|
| Omega Auto Care | 15 years |
| Carchex | 10 years |
| Endurance | 8 years |
| autopom! | 7 years |
| Toco | N/A, coverage is mileage-based |
We gave Toco our Best Customer Service award because the company receives consistently high marks from customer rankings online.
| Company | Customer Experience Rating |
|---|---|
| Toco | 4.8 |
| autopom! | 4.4 |
| Endurance | 4.2 |
| Carchex | 4 |
| Omega Auto Care | 3.6 |
Car Warranty Companies: FAQ
Below are some frequently asked questions about car warranty companies:
After comparing leading providers, we chose Endurance as the best coverage provider available. The company works with customers directly and offers six coverage plans — more than most competitors. Endurance contracts extend up to eight years with unlimited miles.
Extended warranties can be worth it for the peace of mind they provide. After your factory new car warranty expires, you’ll have to pay out of pocket for all car repairs. With a vehicle service contract, you’re only responsible for a deductible and the cost of the contract. Warranties are also worth it for drivers who want a predictable auto budget.
Extended warranties cover your vehicle mechanically, keeping you from paying out of pocket for expensive repairs due to a mechanical failure. Extended warranties don’t typically cover wear-and-tear items like brake pads or routine maintenance like oil changes. However, they usually do come with perks like rental car coverage and roadside assistance.
Our Methodology: How We Rated the Best Car Warranty Companies
Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best extended car warranty companies. We collected data on dozens of auto warranty providers to grade the companies on a wide range of ranking factors. The end result was an overall rating for each provider, with the companies that scored the most points topping the list.
Here are the factors our ratings take into account:
- Coverage (30% of total score): Companies that offer a variety of choices for warranty coverage, long contract terms and added benefits are more likely to meet consumer needs.
- Cost (30% of total score): Auto warranty companies with affordable rates and multiple deductibles scored highest in this category.
- Transparency (20% of total score): This score is based on contract transparency and the availability of a money-back guarantee.
- Reputation (10% of total score): Our research team considers availability, ratings from industry experts and years in business when conferring this score.
- Customer experience (10% of total score): Based on customer satisfaction ratings and our extensive shopper analysis, we consider the responsiveness, friendliness and helpfulness of each warranty company’s customer service team.
Our credentials:
- 500+ hours researched
- 40+ companies reviewed
- 2,000+ consumers surveyed
How we obtained cost information:
- Our research team used a secret shopper strategy to get accurate quotes
- The research team will find out if there are any discounts or savings opportunities
- We keep track of the length of the call, sample contracts, and overall helpfulness of the representative
*Data accurate at time of publication.
