In This Article
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
| 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 |
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
Is an Extended Warranty Worth It for Cars Over 100k Miles?
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
Where To Buy High-Mileage Extended Warranties
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
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
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.
Brogan Woodburn
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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