Best Extended Warranty For Cars Over 100k Miles

Key Takeaways:

• According to our research, CARCHEX offers the best extended warranty for cars over 100k miles. We named it the “Best for Used Cars” based on its variety of coverage plans for high-mileage vehicles.
• Our team also recommends Endurance and CarShield as warranty providers to consider if your car has over 100k miles.
• In our customer survey, we found that most customers paid between $1,615 and $3,208 for car warranty coverage.

If you’re looking to extend the protection you got with your manufacturer’s warranty beyond the 100,000-mile mark, an extended warranty plan may be just what you’re looking for. Several third-party warranty companies offer extended warranty coverage for high-mileage vehicles. Our experts wanted to see which of these providers offered the best extended warranty for cars over 100k miles, so we took a deep dive into company policies, rates, reviews and even the fine print.

Here’s a look at what our team thinks are the best extended car warranty companies as well as information about taking care of your high-mileage car.

Best Extended Warranty for Cars With Over 100K Miles

The best extended warranty for a car with over 100K miles may not be the same for every driver. Every provider offers different lengths and levels of coverage for high-mileage vehicles. We took a close look at some of our top-rated extended auto warranty companies to decide which offers the best coverage options for older cars. Among our top-rated providers, we found several companies that covered vehicles well beyond 100K miles.

High Mileage Car Warranty Company: Ratings

Extended car warranty providers typically have a mileage limit in which they will no longer cover your vehicle. The table below compares the mileage limit of several popular providers. While many providers cover a vehicle beyond 100,000 miles, but CARCHEX, Endurance and CarShield are high mileage car warranty companies with the highest mileage limits, each of which extends coverage well beyond 100k miles.

Best Extended Warranty For High Mileage Cars: Comparison

Best High Mileage Car Warranty

Extended warranties for cars over 100k miles are the best high mileage care warranties. Below are descriptions of the coverage, plans, cost, and claims offered by our top pics for extended vehicle warranties for cars over 100,000 miles:

CARCHEX: Best for High-Mileage Cars

CARCHEX offers extended warranty plans that are tailored toward vehicles with over 100,000 miles. We’ve rated the company the top extended warranty provider in this category. The company stands out for offering highly customizable plans that can cover nearly any repair.

CARCHEX has 5 extended warranty plans that can be modified to fit your needs. CARCHEX offers coverage for vehicles with up to 250,000 miles. For cars with over 100k miles, you may be best off by choosing a lower-tier plan that primarily covers the most expensive repairs.

With a CARCHEX extended warranty, you’ll be able to choose from a network with over 30,000 licensed repair facilities. Since CARCHEX pays repair expenses directly to the shop, you won’t be expected to pay out of pocket in the event of a breakdown.

CARCHEX plans have a 30-day money-back guarantee, so down payments won’t be required. Additionally, CARCHEX is partnered with several top-rated insurance administrators who compete for your business, meaning you’ll get the best coverage and price possible.

CARCHEX extended warranties are available for all new and used vehicles, including high mileage cars and hybrids.

• Titanium: This is a bumper to bumper plan with very few exclusions that covers all parts on your vehicle for up to 10 years.
• Platinum: The CARCHEX platinum plan is the second-highest coverage tier offered by the provider that lasts from 5-10 years. This comprehensive inclusionary contract has hundreds of covered components. Due to the level of coverage offered in this plan, all not every vehicle may be eligible.
• Gold: The CARCHEX Gold plan covers all of a vehicle’s major systems for up to 5-10 years. CARCHEX gold is a great option for cars with over 60k miles with factory warranties that have expired. This extremely customizeable plan is considered to have the best
• Silver: CARCHEX Silver plans cover a vehicles major systems for 6-7 years. This includes the powertrain, electrical and fuel systems, and the A/C. This protects vehicles from common repairs that are often needed by cars with over 100k miles.
• Bronze: The most basic plan offered by the provider, CARCHEX Bronze is a great fit for cars with over 100k miles. This plan provides coverage for 5-6 years and protects vehicles from the most common and expensive breakdowns and powertrain components, including the engine, drivetrain, drive axle, and transmission.

Benefits that come with CARCHEX extended warranties include trip interruption services, 24/7 roadside assistance, towing, and rental car reimbursement. CARCHEX customers can choose between 30,000 repair shops nationwide. Because CARCHEX pays claims directly to the facility, you won’t have to wait too long to be reimbursed.

CARCHEX has thousands of positive online reviews and industry endorsements. The cost of a CARCHEX extended warranty for a vehicle with over 100k miles depends on various factors like your vehicle’s make, model, age, and mileage.

Our review team rated CARCHEX the best choice for older vehicles due to the following:

1. Notable industry partnerships: CARCHEX partners with many major players in the industry, including Edmunds.com, Kelley Blue Book, and CARFAX.
2. A+ rating and accreditation from the Better Business Bureau (BBB): CARCHEX’s strong BBB rating and accreditation demonstrates leadership in the extended warranty industry.
3. National media recognition: CARCHEX has been featured by national media outlets such as PBS, Fox News, CBS, and NBC as an expert in consumer automotive protection.
4. Long contract terms: At 250,000 miles, CARCHEX offers the longest coverage terms among any top provider we have reviewed.

Read our complete CARCHEX review to learn more about why we chose the provider as the best extended warranty for cars over 100K miles.

Endurance: Best Provider

Endurance is a good option because it focuses on serving drivers of high-mileage vehicles. The provider can insure vehicles with up to 200,000 miles.

As a direct extended warranty provider, Endurance administers the warranties it sells instead of acting as a middleman. This is one of the reasons Endurance is regarded as having some of the best customer service in the industry.

All of the 6 levels of coverage offered by Endurance can last over 200,000 miles, making this provider one of the top high mileage providers in the market.

• Supreme: Bumper to bumper protection similar to a new car warranty.
• Superior: A comprehensive exclusionary plan that covers hundreds of important parts.
• Secure Plus: With a shorter waiting period than most plans, Endurance secure plus provides quick coverage for parts like the brakes, electrical system, and steering.
• Secure: An affordable plan that covers the most important parts for your cars performance at an affordable price.
• Select Premier: This is the most basic high mileage extended warranty offered by Endurance, covering the most basic components needed for a vehicle to run.
• Endurance Advantage: This is Endurance’s version of mechanical breakdown insurance. Endurance advantage also covers maintenance expenses like engine diagnostics and oil changes.

With Endurance, customers receive additional benefits like rental car coverage, trip interruption benefits, and roadside assistance for the entire warranty period. Every Endurance plan also comes with a free year of Elite Benefits, which includes tire repairs, key fob replacements, collision deductibles, and several other benefits.

One negative thing about Endurance is the 60-day waiting period you must adhere to prior to filing a claim. The Endurance secure plus plan is an exception to this rule. Besides this minor issue, most people looking for the best extended car warranty for cars over 100k miles will find Endurance to be a top-notch provider.

Endurance was named No. 1 in the market by our review team and carries these notable accolades:

1. 2019 Stevie Award – Great Employer: Endurance was recognized as a Great Employer at the 2019 Stevie Awards for its “impressive set of employee benefits and activities.”
2. 2019 Inc. 5000 Company: Inc. magazine listed Endurance in its 2019 annual Inc. 5000, a ranking of the United States’ 5000 fastest-growing private companies.
3. Partnership with Andretti MotorSports: Endurance was announced as the primary sponsor of Jarett Andretti’s McLaren in the Pirelli GT4 Americas Sprint Class for the 2020 season. Andretti MotorSports is one of the most successful auto racing companies in the world, so this partnership is impressive.

Beyond its reputation, Endurance offers comprehensive coverage and benefits, as well as competitive pricing. The Endurance Elite Benefits is included free for the first year and includes perks like tire repairs and replacements, key fob replacements, and identity theft protection. Those can be valuable for cars over 100K miles.

If you want to learn more about this provider, read our in-depth Endurance warranty review.

CarShield: Most Affordable

CarShield is trusted by over a million drivers because it is known for providing reliable coverage at an affordable price. Most importantly, CarShield offers plans for vehicles with up to 300,000 miles. CarShield is also highly transparent about its pricing, and it even displays sample contracts on its website.

CarShield has 6 extended warranty coverage plans:

• Diamond: CarShield diamond is a bumper to bumper warranty similar to a factory limited warranty. CarShield Diamond provides exclusionary coverage, meaning every component on the vehicle is covered except those that are specifically listed.
• Platinum: The CarShield Platinum plan is the company’s comprehensive inclusionary warranty, which includes hundreds of covered components. CarShield platinum covers many of the engine’s most important parts, including the engine, transmission, electrical system, steering, cooling system, air conditioning, and braking system.
• Gold: CarShield gold is CarShield’s powertrain plus plan. This plan provides protection for your vehicle’s engine, transmission, water pump, alternator a/c, starter, and more.
• Silver: CarShield Silver is the most basic powertrain extended warranty that covers all the engine’s lubricated parts, water pump, drive axle, and transmission.
• Aluminum: The CarShield Aluminum plan is best suited for luxury cars and vehicles with complex electronics. This includes power seats, voice activation, sensors, guages, GPS, sensors, and more.
• Specialty Plan: This plan is a specialized plan that covers motorcycles and ATVs.

Perhaps the best feature of CarShield plans is the option to choose month-to-month payment plans. With this plan, customers can cancel at the end of the month before the payment term renews.

CarShield stands out as a good choice for an extended warranty for cars over 100K miles for the following reasons:

1. Customizable pricing: Plans with low deductibles or no deductible are available.
2. Broad repair shop network: Customers can use any ASE-certified mechanic to get auto repairs.
3. History in the industry: Unlike some competitors, CarShield has been in business for almost two decades. This shows our researchers that it’s a well-run warranty company that will be there when you need it.

Our CarShield review offers a more detailed description of coverage.

Can You Get An Extended Warranty On A Car With Over 100K Miles?

Yes, you can get an extended warranty if your car has over 100k miles. Third-party warranty companies offer plans that can last up to 200,000 miles or more, giving you plenty of time to enjoy your car with peace of mind. For example, Endurance covers over 200,000 miles, CARCHEX can cover up to 250,000 miles, and CarShield can cover up to 300,000 miles.

Your options for extended warranties for cars over 100k miles can depend on your car’s current mileage and age. You can find plans that cover many systems of the vehicle including the steering, suspension, engine, transmission, and electrical systems. Or, you could get a basic plan that just covers the powertrain, which includes your engine, transmission, and drive axle.

How Much Does An Extended Warranty Cost For A Car With Over 100K Miles?

Our team reached out to Endurance Car for high mileage warranties to cover a 2013 Toyota Camry with 100,000 miles. Endurance quoted $103 per month for 36 months for its Select Premier plan.

We also surveyed 1,000 extended warranty customers on what they paid. Half of the respondents paid between $1,615 and $3,208 for their extended warranties, while the median price was $2,458 total.

Be aware that new vehicles typically qualify for the widest range of coverage options. You may have fewer choices if your car has over 100k miles. We recommend comparing free quotes from multiple companies to find the best option for your car.

What Is An Extended Car Warranty?

An extended car warranty, better known as a vehicle service contract, is an agreement between you and your vehicle’s manufacturer or a third-party company to protect you against costs associated with unexpected breakdowns or malfunctions due to workmanship errors. Most companies offer a variety of coverage levels so you can pick the one that is best for you. Many extended warranty providers also offer coverage for high-mileage vehicles.

Keep in mind that an extended warranty is not the same as car insurance or mechanical breakdown insurance. Extended warranties come with a list of exclusions that you can find in the fine print of your contract. They typically exclude items such as routine maintenance and regular wear and tear items such as brake pads and wiper blades.

Bumper-To-Bumper Warranty

The highest level of protection you can get for a used car is a bumper-to-bumper plan. This comprehensive coverage applies to almost any mechanical breakdown except for a list of exclusions. Not all providers will sell bumper-to-bumper plans for cars over 100K miles, though. The availability of these extended warranties can depend on the model year and condition of your vehicle.

Powertrain Warranty

At the other end of the spectrum is the powertrain warranty. This type of extended warranty covers the components of your car that propel it forward, which include the engine, transmission, and drive axle. Any reputable used car warranty company will likely offer a powertrain plan for a car with over 100K miles.

What Does A 100K-Mile Warranty Cover?

Extended warranties that last 100K miles can cover a range of systems, including the engine, transmission, drive axle, air conditioning, electrical, and steering systems. Over time, these parts can fail and cause breakdowns, but an extended warranty for cars over 100K miles can cover many of them.

Can You Get A Warranty On A 15-Year-Old Car?

Yes. Many extended warranty companies cover vehicles up to 20 years old, which means you can get up to five more years of coverage for a 15-year-old car. Compare multiple extended warranties to find the best option.

Is An Extended Warranty Worth It For Cars Over 100K Miles?

Factory warranty coverage expires when the limit is reached, but with an extended car warranty, you can decide how long protection lasts. Waiting for your factory warranty to expire before buying a third-party plan can result in a gap in coverage where your car and wallet are unprotected from unexpected repair costs.

That said, some cars need more repairs after 100k miles than others. For example, RepairPal ranks Honda as the most reliable car brand overall, while luxury and truck-oriented brands rank lower on the list.

Are 100K Miles A Lot For A Car?

If a car is well-maintained, 100,000 miles is considered the halfway point in its life. You can expect well-maintained vehicles to make it to 200,000 miles and a bit more today. No manufacturer warranty lasts that long, which is why it can be a good idea to consider an extended warranty for cars over 100K miles.

What Happens When A Car Reaches Maximum Mileage?

There is no maximum mileage for all cars, but at some point, the cost of repairs becomes too expensive compared to the car’s value. If the car has been driven hard, this could happen as early as 150,000 miles. On the other hand, some well-maintained vehicles can reach 300,000 miles and beyond.

When An Extended Warranty Is Worth It

Repairs are fairly common in cars over 100,000 miles. Some of the most common repairs required for older vehicles can leave you with hefty repair bills. Be sure to choose an extended auto warranty that covers the most common major repairs. According to Cars.com, some of the most common car repairs needed for older vehicles include:

• $2,776: This is the average cost of an engine rebuild or repair after powertrain failure.
• $1,865: This is the average cost of a faulty transmission requiring a rebuild or replacement.
• $675 and $1,033: Older vehicles often need repairs to the electrical and fuel systems resulting in these costs, respectively.
• $650: Even a seemingly simple fix like repairing the air conditioning in your older vehicle can cost you hundreds.

These costs don’t include the price of the maintenance and repairs from regular wear and tear that older cars experience. With the right extended warranty, you’ll get longer coverage on the same parts and services as the factory warranty.

Extended Warranty Over 100,000 Miles: Conclusion

Our review team has found that CARCHEX, Endurance and CarShield are all good places to find an extended warranty for cars over 100K miles. In order to make a decision between these companies, we recommend that you get several free quotes and sample contracts to compare costs and coverage plans.

Anything from your vehicle to your city can impact the cost of an extended car warranty. The only way to find the best-priced option for you is to compare plans for yourself.

High-Mileage Extended Car Warranty: FAQ

Below are some frequently asked questions about extended car warranties for vehicles with over 100k miles.