Advertising disclosure: DigitalTop10 is a free comparison site. We may receive compensation from, or be affiliated with, the companies we list, which can affect how and where they appear. How we rank
We compared the extended car warranty companies the major review sites rate highest, then ranked them #1 to #10. Tick “Compare” on any two or three to see them side by side.
#1BEST OVERALL · OUR TOP PICK
Empire Auto Protect
Plans from $69 a month, with no inspection to sign up
Covers any make, model or age if the car is in good working order
Four plan levels, including a dedicated EV plan, plus a rim and tire add-on
24-hour roadside help and a 30-day money-back guarantee
Keep in mind: Customer reviews are mixed, especially on cancellations, so read the contract terms before you buy.
Most “extended warranties” are vehicle service contracts that pay for covered repairs after the factory warranty ends.
Direct provider or broker? Direct providers like Endurance and Toco handle their own claims. Brokers sell plans that another company administers.
Match coverage to your car. Newer cars suit exclusionary (bumper-to-bumper) plans. Older, high-mileage cars often suit powertrain plans.
Read the contract first. Check the waiting period, the exclusions and the cancellation terms before you pay.
How we ranked #1 to #10
#1 is our top pick for most drivers, and its score is our editors’ rating.
#2 to #10 are ranked by their average score across six leading review sites, converted to a 10-point scale. A company had to appear on at least two of those sites to qualify.
Review sites we used
Car Talk
Consumer Review Center
Screened
NerdWallet
Automoblog
ConsumerAffairs (customer rating)
We also checked the picks from Money, CNBC Select, Insured Better and Insurify. Last checked October 2026.
We may receive compensation from, or be affiliated with, companies on this page, which can affect their placement.
FAQs
What is an extended car warranty?
Most are technically vehicle service contracts: an agreement to pay for covered repairs after the factory warranty ends. They are sold by carmakers, dealers and independent companies.
How much does an extended car warranty cost?
The plans on this page mostly run between about $50 and $220 a month, depending on your car, its mileage, the coverage level and the deductible you pick.
What is the difference between a direct provider and a broker?
A direct provider writes its own contracts and handles its own claims. A broker sells plans that another company administers, so that administrator decides and pays your claims.
Is there a waiting period before I can file a claim?
Usually. Thirty days and 1,000 miles is common, some month-to-month plans wait 90 days, and a few providers like Olive have none.
Can I cancel my plan?
Most providers offer a full refund within the first 30 days and a prorated refund after that, sometimes minus a fee. Read the cancellation section of the contract before you buy.