Compare Car Insurance Companies That Have Extended Warranties [2021]

AAA, Allstate, American Family, Liberty Mutual, and USAA are the best car insurance companies that have extended warranties. GEICO is one of the best auto insurance companies that don't have extended warranties, but it carries mechanical breakdown insurance for as low as $6 a month. Shop around and compare multiple insurance companies to secure the best extended warranty rates.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Sep 21, 2021

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Here's What You Need to Know

  • Extended warranties provide repairs when a vehicle suddenly breaks down due to a mechanical issue
  • You can pay as low as $25 a month for extended car warranties
  • Mechanical breakdown insurance is an alternative when extended warranties become too expensive

Are you searching for auto insurance companies that have extended warranties? Some of the best insurance companies carry extended warranty services, but that list is very small.

But which car insurance companies provide extended warranties? And what are the alternatives if you can’t find an insurance company with extended warranties?

Don’t worry — we’re here to help. Read our guide to compare the best auto insurance companies and their affordable extended car warranty rates.

Ready to buy car insurance from car insurance companies that have extended warranties? Enter your ZIP code in the online quote tool above to compare free car insurance quotes from multiple companies near you.

What are the best car insurance companies that have extended warranties?

Shopping for auto insurance is much easier than locating insurance companies with extended warranties. But we found five car insurance companies that provide a car extended warranty, and they are:

  • AAA – $40 to $80 a month
  • Allstate – $25 to $60 per month
  • American Family – $45 to $75 per month
  • Liberty Mutual – $40 to $150 a month
  • USAA – $83 a month

We included extended car warranty costs for each company to give you an idea of how much is added to your insurance policy per month.

Purchasing an extended warranty with a company is often more affordable than the average $1,000 you would pay per year at a dealership.

The difference between auto insurance and a car warranty is insurance covers damage due to an accident, but warranties cover sudden mechanical failure.

Read our extended warranty impact on auto insurance rates article to learn more.

Which car insurance companies don’t have extended warranties?

Some auto insurance companies don’t carry extended vehicle warranties. Here is a list of the top companies that don’t have extended warranties.

  • Farmers
  • Nationwide
  • Progressive
  • State Farm
  • Travelers

Although these companies are known for their significant market share, each company on the list doesn’t provide extended car warranties.

If you happen to have a current policy with one of these companies, you’ll have to shop around at companies like Endurance.

But Endurance extended warranty service is just one of many companies you can choose from. Shop around for smaller, local companies near you that may offer warranties.

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How do I find trustworthy extended car warranty companies?

To secure the most trustworthy extended warranty companies, you should begin shopping with the top companies in the United States.

Check out the list below to see the most reputable extended warranty companies.

  • Carchex
  • autopom!
  • Endurance
  • Toco Warranty
  • Omega Auto Care
  • Infinite Auto Protection
  • Concord Auto Protect
  • CarShield

Try your dealership if you can’t find an extended warranty car insurance company. Or shop for mechanical breakdown insurance (MBI). GEICO customers can buy MBI for as low as $6 a month.

What type of extended car warranty do you need?

As you shop for extended warranties, think about what type of extended vehicle warranty you need.

Here’s a list of warranties that you can choose from:

  • Powertrain Warranty – Recommended for high-mileage vehicles or older vehicles to cover internal parts of the engine and transmission
  • Bumper-to-Bumper Warranty – The most comprehensive warranty covers most parts of the vehicle except parts that the company excludes
  • Named-Component Warranty – This warranty type targets specific parts, and it’s recommended for custom car parts

Each extended warranty benefits you by providing repairs and replacements when you’re not in an accident.

Some extended warranties come with deductibles, which are fees you need to pay before receiving any service from insurance or warranty companies.

Do I need to buy an extended car warranty from a prominent company?

Car warranties can save you hundreds of dollars when something suddenly goes wrong with your vehicle. Also, you want to get auto warranties from reputable companies, so you don’t get scammed.

Warranty robocalls increased by 40% in 2020. Extended warranty scams are usually unsolicited calls that come from fake manufacturer agents who want your personal information.

If you get a call from a number that sounds like a recording or machine-operated voice that wants to sell extended warranties, hang up the phone.

Contact the Federal Communications Commission (FCC) and report any phone number that continues to harass you with unsolicited calls.

What You Need to Know About Car Insurance Companies That Have Extended Warranties

Buying an extended warranty ensures that you get coverage for car parts that suddenly break down outside an accident.

Extended warranties are convenient for all vehicle types and help you establish coverage where auto insurance companies can’t reach.

However, buying an extended warranty can raise your car insurance rates. Now that you’ve seen car insurance companies that have extended warranties, use our free comparison tool to compare the best insurance rates in your area.

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Frequently Asked Questions: Car Insurance Companies That Have Extended Warranties

Do you want to know more about extended auto warranties? Read these answers to frequently asked questions to learn more.

#1 – Can I buy aftermarket car part warranties?

In most cases, yes. Most aftermarket vehicle parts come with a warranty. But the time limits of those warranties vary.

#2 – Are car warranties worth it?

It depends. We recommend that you target extended warranties for used vehicles. New cars come with warranties that last up to five years.

#3 – Do extended car warranties cover electrical parts?

Yes, it can. The bumper-to-bumper warranty may be able to cover electrical parts that suddenly fail.

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