Extended Warranty for Cars Over 100k Miles

In This Article

Learn what extended warranties for cars over 100k miles cover and how to find the best vehicle protection plan for an older vehicle.

Key Points:

  • Endurance is our pick for the best extended warranty for cars over 100k miles
  • Most manufacturer extended warranties don’t last beyond 100,000 miles
  • A third-party vehicle service contract can cover up to 200,000 miles or more depending on the company

A hundred thousand miles is a big “milestone” whether you’ve used your car more for short commutes or long-distance travel. There’s plenty of mileage ahead, but you’ll notice the engine light turning on and other breakdowns happening more frequently with age.

An extended warranty can help cover repairs on cars with over 100k miles so you worry less about paying out of pocket. In this article, we’ll cover our recommendations of the best extended warranties for cars over 100k miles and show you how to find the right plan.

Our Top Pick

After reviewing 20 companies, we’ve determined that Endurance is our preferred option for extended car warranties.

  • Unlimited Miles for Cars Under 20 Years
  • Maintenance Coverage Available
  • Salvage or Rebuilt Cars Are Covered
  • 24/7 Roadside Assistance
  • Direct Administrator of Claims

Best Extended Warranty for Cars Over 100k Miles

Our methodology for reviewing extended warranty companies includes looking at coverage, cost and buying experience, reputation, and customer service. For ranking the best high-mileage warranties, we ranked top providers considering the company’s mileage limit and coverage options for older vehicles. Below are our recommendations in this category.
Company Our Rating Maximum Mileage
Endurance 4.8 Unlimited
Toco 4.6 250,000
Everything Breaks 4.5 250,000
1800Warranty 4 200,000
Olive 4.3 175,000
Note that the third-party companies we review offer vehicle service contracts. While they cover many of the same repairs as a factory warranty, the only entities that offer true extended warranties are car manufacturers.

Endurance

  • Maximum mileage: Unlimited
  • Added benefits: Roadside assistance, rental car coverage, trip interruption, plus Elite benefits (tire repair, $500 in collision assistance, $1,000 in total loss assistance, and key fob replacement free for one year)
Endurance provides multiple coverage options for older vehicles including a plan called Advantage that includes maintenance.
Pros Cons
6 plans including the Advantage maintenance plan with sub-plans Not always the cheapest option
Direct provider—you only deal with Endurance for claims Elite benefits are only free for one year
Covers vehicles up to 20 years old with no mileage restrictions

Best High-Mileage Extended Warranty Plans

You can choose from six Endurance warranty plans: Supreme, Advantage, Superior, Premier, Secure Plus, and Secure. Endurance’s plans don’t have a mileage limit, but some options are better for vehicles with 100k miles:

  • Advantage: This plan covers annual maintenance services like oil changes, diagnostic exams, alignment checks plus one-time services like brake pad and battery replacements (limits apply). You can choose between Preferred, Plus, and Prime coverage levels for breakdowns. The Plus and Prime make the most sense for older vehicles.
  • Superior: This plan covers the engine, transmission, turbocharger, drive axle, transfer unit, brakes, steering, electrical, air conditioning, suspension, fuel system, and cooling system. It’s a good option for cars with 100,000 to 150,000 miles.
  • Premier: You get coverage for the engine, transmission, transfer case, drive axle, air conditioning, electrical, luxury electrical, cooling, and fuel systems. It’s a good option for cars with 150,000 or more miles, as are Secure Plus and Secure below.
  • Secure Plus: This affordable plan covers the engine, turbocharger, transmission, drive axle, transfer unit, brakes, steering, electrical, and air conditioning.
  • Secure: This basic plan covers the engine, turbocharger, transmission, drive axle, and transfer unit.

Reputation

Endurance has a solid reputation overall. The company has an A- rating from the Better Business Bureau (BBB) along with 3.7-star ratings from customers on both the BBB and Trustpilot. Endurance’s scores are higher than the average ratings for the industry, which are 2.6 on the BBB and 3.4 on Trustpilot.

Read more: Endurance Review

Toco

  • Maximum mileage: 250,000
  • Added benefits: Roadside assistance, rental car coverage (pays Enterprise direct), trip interruption
Toco offers four plan options that depend on the mileage of your vehicle—once you purchase a plan, your monthly price is locked in for as long as you have coverage.
Pros Cons
Your monthly rate stays the same as the car ages and repairs become more likely Not as many plan options as some competitors
Customer service representatives are thoughtful and personable Month-to-month plans can become expensive over the long term
Covers up to 250,000 miles, which is more than many competitors

Best High-Mileage Extended Warranty Plans

Toco offers four plans: Orange, Yellow, Blue, and Green. Which plan you get depends on your mileage. The Orange plan covers almost any breakdown but it’s only available for cars under 100,000 miles. Here are the other options:

  • Yellow (100,000 to 150,000 miles): Covers 18 systems including steering, brakes, suspension, and high tech
  • Blue (150,000 to 200,000 miles): Covers 12 systems including cooling, air conditioning, fuel, and electrical systems
  • Green (200,000 to 250,000 miles): Covers 8 systems including the engine, transmission, drive axle, and optional hybrid components

To be clear, you only have one plan option from Toco depending on your mileage. If your car has 175,000 miles, you’ll get Blue plan. You’ll get the Green plan automatically when the car passes 200,000 miles. The nice thing is your monthly price stays the same even as the car ages and the plan changes.

Reputation

Toco has a great reputation from customers. Reviewers on the BBB give the company 4.5 stars while customers on Trustpilot rate the company 4.7 overall. These are very high average ratings for the extended warranty industry. Toco also maintains an A+ rating from the BBB itself. This rating shows that Toco responds to complaints quickly and takes care of customers.

Read more: Toco Warranty Review

Everything Breaks

  • Maximum mileage: 250,000
  • Added benefits: Roadside assistance, rental car reimbursement, trip interruption
Everything breaks offers multiple plans for high mileage cars plus an auto club that covers 50% of repairs with no mileage limit.
Pros Cons
Offers standard and Elite plan versions to cover luxury models not all companies cover The monthly price is locked for 30 months but can change after
Covers up to 250,000 miles, which is plenty for most drivers Higher cost for long-term plans than Toco
Everything Breaks handles claims directly and administers its contracts

Best High-Mileage Extended Warranty Plans

Everything breaks offers for plans: Topline, Deluxe, Enhanced Powertrain, and Powertrain. The Topline and Deluxe plans can cover up to 175,000 miles, but your car must be under 125,000 miles to qualify for Topline and 150,000 miles for Deluxe. Enhanced Powertrain and Powertrain plans give you more room because they expire at 250,000 miles.

Topline: Covers any breakdown except for exclusions similar to a factory warranty (eligible under 125,000 miles, expires at 175,000)

  • Deluxe: Covers 125 major components in most systems of the vehicle (eligible under 150,000 miles, expires at 175,000)
  • Enhanced Powertrain: Covers 60 components on major vehicle systems (eligible under 200,000 miles, expires at 250,000)
  • Powertrain: Covers 15 components in the engine, transmission, and drive axle (eligible under 200,000 miles, expires at 250,000)

Everything breaks as another plan, called Critical Care, which doesn’t have a mileage limit. This plan is more like an auto club. You get reimbursement for 50% of any breakdown up to $500 per repair and $2,000 per year. This plan is a good low-budget option if you have an older car that’s prone to breakdowns.

Reputation

Everything Breaks has an A rating from the BBB with accreditation. It also has a 2.8-star rating from customers on the BBB and a 3.3-star rating from customers on Trustpilot. These ratings are around the average for the industry, which shows Everything Breaks could improve in this area.

Read more: Everything Breaks Warranty Review

1800Warranty

  • Maximum mileage: 200,000
  • Added benefits: Roadside assistance and identity theft protection
1800Warranty is a reliable vehicle service contract provider that sells directly to customers and through independent dealerships.
Pros Cons
Offers multiple options for cars over 100k miles Doesn’t include a rental car or trip interruption
Includes roadside assistance and ID theft protection on each plan Fewer customer reviews than other companies
Handles claims directly

Best High-Mileage Extended Warranty Plans

1800Warranty has four plans: Elite Protect, Ultra Protect, Advantage Protect, and Power Protect. Elite Protect is an exclusionary warranty, so it can be expensive for cars over 100k miles. Here are the better options for high-mileage vehicles:

  • Ultra Protect: Covers components in 12 systems including suspension, brakes, electrical, enhanced electrical, and more
  • Advantage Protect: Covers components in 9 systems including the steering, brakes, and air conditioning
  • Power Protect: Covers components in the engine, transmission, drivetrain, and hybrid drive system

Reputation

1800Warranty has a decent reputation from customers. This includes an A- rating from the BBB and a 3.7-star rating from customers on the platform. However, it only has seven reviews on the BBB. Looking at Trustpilot, the company has a 4.6-star rating from about 50 reviews.

Olive

  • Maximum mileage: 175,000
  • Added benefits: Towing reimbursement and rental car coverage
Olive makes it easy to buy an extended warranty for a high-mileage car with its modern website and simple purchase process.
Pros Cons
Easy online process for shopping and purchasing a plan Only offers three warranty plan levels
A+ rating on the BBB Doesn’t include full roadside assistance or trip interruption
Wide range of deductible options to choose from

Best High-Mileage Extended Warranty Plans

Olive offers three main plans: Complete Care, Powertrain Plus, and Powertrain. When we compared quotes we found the Complete Care option was pretty expensive for a car over 100,000 miles. The better options are Powertrain Plus and Powertrain.

  • Powertrain Plus: This option covers 10 systems including the engine, transmission, drive axle, fuel system, steering, front suspension, brakes, electrical, and air conditioning.
  • Powertrain: This covers the engine, transmission, drive axle, and fuel system.

Reputation

Olive is a relatively new company having been founded in 2019. That said, it has a decent reputation from customers. Its parent company Repair Ventures has an A+ rating from the BBB along with accreditation. At the same time, it has a 1.8-star rating from 11 reviewers. The small review sample doesn’t provide quite enough information to judge the company at this point.

Is an Extended Warranty Worth It for Cars Over 100k Miles?

Cars can last far beyond 100,000 miles, but wear and tear adds up and repairs begin to happen more frequently. This means an extended warranty is more likely to cover repairs on an older vehicle than a newer one. However, whether or not a particular vehicle service contract is worth it depends on the price of the plan and your car’s expected repair costs.

Repair Costs for High-Mileage Vehicles

RepairPal ranks manufacturers on vehicle reliability. It considers average repair and maintenance costs per year along with repair severity and repair frequency.

Some brands are more reliable than others in the long term. For example, RepairPal ranks Honda, Acura, Kia, Hyundai, and Mazda as the most reliable brands. You can use the site to estimate repair costs for your vehicle and compare that to how much an extended warranty would cost.

In general, repairs become more expensive as a car ages. It would be rare to replace the transmission before 100,000 miles for example. But once the car hits 100,000, you might want to start budgeting for a major repair like that. Replacing a transmission can cost between $5,584 and $5,789 according to RepairPal.

What To Consider Before Buying a High-Mileage Warranty

Here are a few things to consider before you pull the trigger on an extended warranty:
If you have the budget for repairs, you might not need an extended warranty. There’s always a chance a warranty won’t cover as much in repairs as you paid for the plan.
An extended warranty can provide peace of mind that a variety of repairs are covered. You might find this is valuable if you rely on your vehicle every day.
An extended warranty might not be the best idea if you plan on selling your car in a year or two. You can always get a refund, but after 30 days the refund will subtract value for the time you’ve had the plan.
You can use resources like JD Power and RepairPal to estimate your car’s reliability. If you have a very reliable car, you might get less value out of an extended warranty.

Where To Buy High-Mileage Extended Warranties

There are three main ways you can buy an extended warranty for a high-mileage or used car: through a manufacturer, a third-party company, or a dealership.

Manufacturer

All manufacturers offer extended warranties. However, many of these warranties only last up to 100,000 miles. Your car’s manufacturer might not have a plan that covers repairs after 100,000 miles.

That said, some manufacturers can cover cars after 100,000 miles. The Ford Protect Extended Service Plan covers up to 175,000 miles, for example. Dodge, Chrysler, Jeep, and Ram owners can also get a Mopar/Flex Care plan that covers up to 125,000 miles.

Manufacturer-backed extended warranties are nice because they cover repairs by factory-trained technicians. However, you can only get repairs at the dealership, in most cases. You also have to purchase a plan before your factory warranty expires. Some also only sell plans at the time of vehicle purchase.

Third-Party Companies

Third-party vehicle service contracts are administered by companies besides the manufacturer. These contracts can cover virtually the same components and repairs as a manufacturer’s warranty but at a lower cost in most cases.

Within this category is a huge range of options. You can find plans for cars with over 100,000 miles from reliable companies like Endurance and Toco, which we covered above.

Unfortunately, less reputable providers scam people and avoid covering repairs in this industry. That’s why it’s so important to compare companies before you buy a plan.

Reputable third-party companies cover repairs at any licensed mechanic. This includes dealerships and independent shops. You can get third-party coverage almost anytime after your factory warranty expires, which makes third-party plans the best option for used vehicles.

Dealerships

Dealerships sell extended warranties backed by the manufacturer or a third party. Some dealers sell cheap warranties that require you to visit that exact dealer for repairs. Others sell plans from reliable administrators that allow you to go anywhere for coverage. It’s important to read the fine print to understand what’s covered and how to get repairs.

In general, we don’t recommend buying a plan from the dealership when you buy your car. You don’t have enough time to compare your options when a salesperson is pressuring you to sign on the dotted line. You can always take your time to compare third-party companies later.

Types of High-Mileage Extended Warranty Coverage

Extended warranties cover mechanical breakdowns. In other words, they kick in when a part fails and stops working. They don’t cover regular maintenance or wear and tear.

There are two main types of contracts: exclusionary or inclusionary. An exclusionary contract covers any breakdown except for a list of exclusions. An inclusionary contract only covers the exact components on the page.

Exclusionary plans are also called bumper-to-bumper extended warranties. Since they cover so many components, they’re often expensive for a high-mileage vehicle. The best plans for cars over 100k miles are usually powertrain and mid-level plans, which are inclusionary contracts.

Extended Warranty Exclusions

No extended warranty covers everything. Below are a few examples of exclusions common to most vehicle service contracts:

  • Damage from accidents, the environment, misuse, or lack of maintenance
  • Regular maintenance services and parts that are expected to wear out
  • Cosmetic damage
  • Specific components like emissions system parts
  • Damage from normal wear and tear
  • The gradual reduction of performance without a breakdown
  • Unauthorized repairs
  • Pre-existing conditions

How Claims Work

If you have a breakdown, the first step is to get your car to a safe place on the road. Avoid driving it if it would cause more damage. Then, take your car to a licensed repair shop.

You can usually call the warranty company to find a repair shop in your area. Next, the shop will diagnose the issue and get authorization from the warranty provider. Be aware that the warranty company might send an inspector if the repair is extensive. If it’s covered, you’ll simply pay your deductible to the repair shop and the warranty company will cover the rest.

Some companies put maximum caps on the labor rate charge or the cost for certain components. This is an important topic to look for in the contract or ask a salesperson about.

Cost of an Extended Warranty for Cars Over 100k Miles

We compared quotes from five of the top extended warranty providers for a 2017 Kia Sportage with 110,000 miles. We found extended warranties cost an average of $132 per month and can range from $79 to $203 per month. We also found the average plan costs $4,700 in total.

The costs you find will depend on your car’s mileage. Whether there are 100,000 or 200,000 miles on the odometer can make a big difference. The model can also influence the price, since certain models have lower average repair costs than others.

Extended Warranty for Cars Over 100k Miles: Recap

Having reviewed the best extended warranty companies, our recommendations for high-mileage plans are Endurance, Toco, Everything Breaks, 1800Warranty, and Olive. Compare quotes from a few different companies to find the best option.

Our Top Pick

After reviewing 20 companies, we’ve determined that Endurance is our preferred option for extended car warranties.

  • Unlimited Miles for Cars Under 20 Years
  • Maintenance Coverage Available
  • Salvage or Rebuilt Cars Are Covered
  • 24/7 Roadside Assistance
  • Direct Administrator of Claims

High-Mileage Extended Car Warranty FAQs

Here are some answers to popular questions on high-mileage extended warranties:
Yes, many third-party providers offer extended warranties for cars with more than 100k miles. Our picks include Endurance, Toco, Everything Breaks, 1800Warranty, and Olive.
An extended warranty on a car over 150,000 miles may range from $4,000 to $5,000 in total or more depending on the vehicle and coverage. Powertrain plans are cheaper than comprehensive warranties for high-mileage vehicles.
It’s totally worth keeping a car after 100k miles if it’s paid off and you have the budget to maintain it. On the other hand, you might want to trade it in for a newer model if the car has frequent issues.
Yes, you can get an extended warranty on a car after 200k miles, but not all companies offer them. Companies that can cover over 200,000 miles include Endurance, Toco, and Everything Breaks.

How We Rate Extended Car Warranty Companies

We take a methodical approach to rating warranty companies. Here’s what that includes:

  • Coverage: We consider things like the number of plans, mileage limit, maintenance coverage options, and added benefits to score companies in this area.
  • Cost and buying experience: We get quotes from providers and pay attention to the experience with customer service. We also consider a company’s transparency during the buying process through sample contracts and clear coverage descriptions.
  • Reputation: This category includes a company’s longevity plus its rating on the BBB and whether or not it has BBB accreditation.
  • Customer service: To rate customer service, we look at BBB customer ratings plus Trustpilot scores. We also note whether the company is a direct warranty provider.
Picture of Brogan Woodburn

Brogan Woodburn

Brogan Woodburn has been a professional writer for six years and was an auto enthusiast before that. He enjoys breaking down complex topics and helping people understand categories like warranties and insurance. To date, Brogan has contributed to sites like MarketWatch, USA Today, Motor1.com, Oregon Live, and more. Brogan’s favorite car was a Hyundai Sonata Limited with a wine leather interior and turbo engine. He was also thankful for having a warranty when Kia replaced the engine on his Sportage just before the powertrain warranty expired. Brogan graduated from Berklee College of Music in 2013 and is based in Prineville, Oregon. He enjoys performing jazz guitar around Central Oregon and exploring the outdoors with his family.

Advertiser Disclosure: Consumer Review Center might earn compensation from the companies featured on this page. This compensation could affect the placement, order, and visibility of products, but it does not affect the recommendations made by the editorial team. Not every company, product, or offer has been reviewed.

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Picture of Brogan Woodburn

Brogan Woodburn

Brogan Woodburn has been a professional writer for six years and was an auto enthusiast before that. He enjoys breaking down complex topics and helping people understand categories like warranties and insurance. To date, Brogan has contributed to sites like MarketWatch, USA Today, Motor1.com, Oregon Live, and more. Brogan’s favorite car was a Hyundai Sonata Limited with a wine leather interior and turbo engine. He was also thankful for having a warranty when Kia replaced the engine on his Sportage just before the powertrain warranty expired. Brogan graduated from Berklee College of Music in 2013 and is based in Prineville, Oregon. He enjoys performing jazz guitar around Central Oregon and exploring the outdoors with his family.
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