As cars age, parts wear out and auto repairs become more frequent. An extended warranty for cars over 100k miles can help you keep your vehicle in good shape for years to come.

We’ve reviewed the best extended car warranty companies, and a number of them offer coverage plans specifically for high-mileage vehicles. If you’re thinking about purchasing an extended warranty for a car with more than 100,000 miles, we recommend getting quotes from multiple warranty providers to compare your options.

In This Review:

    Are Extended Warranties Worth It For High-Mileage Cars?

    Unless you have savings set aside to cover car repairs, extended warranties can be worth it for high-mileage cars. Once your car passes 100,000 miles, any number of things can start to go wrong. That’s why manufacturer warranty coverage rarely lasts that long in the first place.

    You don’t have to purchase a plan that covers everything, but it could be a good idea to have at least a basic powertrain plan to cover the most expensive repairs. Here are a few average repair costs, according to RepairPal:

    • Steering gearbox replacement: $854 to $1,086
    • Transmission replacement: $5,109 to $5,286
    • Head gasket replacement: $1,287 to $1,659

    An extended warranty for cars over 100,000 miles can cover a costly repair bill, while you just pay a deductible to the repair facility. Extended warranties and vehicle protection plans cover mechanical breakdowns, not wear and tear, scheduled service, or preventative maintenance. Read the fine print about exclusions thoroughly so you know exactly what’s covered.

    What Are The Best Extended Auto Warranty Companies For Cars Over 100K Miles?

    If your vehicle is dependable and still going strong after the 100,000-mile mark, you may want to protect it for peace of mind in the years to come. Here are the top companies that provide extended warranties for cars over 100,000 miles.

    Extended

    Warranty Company

    Maximum Coverage

    Best Plan for Cars

    with High Mileage

    #1 CARCHEX

    250,000 miles

    Gold

    Get Quote

    #2 Endurance

    200,000+ miles

    Select Premier

    Get Quote

    #3 CarShield

    200,000 miles

    Gold

    Get Quote

    #4 autopom!

    150,000 miles

    EFG Ultimate

    Get Quote

    #5 Protect My Car

    125,000 miles

    Select

    Get Quote

    Let’s take a closer look at our top three extended warranty providers for high-mileage vehicles.

    #1 CARCHEX: Best For Used Cars

    We think CARCHEX is the best extended warranty for cars with over 100k miles. The extended auto warranty company can cover vehicles with up to 250,000 miles, and owners of older cars have a few coverage options to choose from. Here are some details on CARCHEX:

    • Reputation: CARCHEX has been in business for more than 20 years. It has an A+ rating and accreditation from the Better Business Bureau (BBB), and it’s endorsed by Kelley Blue Book, Edmunds.com, CARFAX, and more.
    • Cost: We found that the average cost for an extended warranty is about $480 per year of coverage. The CARCHEX quotes we received were more affordable at about $370 per year of coverage.
    • Customer experience: CARCHEX has 3.3 out of 5.0 stars on Trustpilot and very few complaints on the BBB.

    CARCHEX Plans

    CARCHEX offers the following plans: 

    CARCHEX Plan

    What It Covers

    Titanium

    Exclusionary plan that covers almost any mechanical or electrical part

    Platinum

    High-level plan that covers parts on all systems of the car

    Gold

    Covers hundreds of parts on most major systems

    Silver

    Covers the powertrain plus a few major systems

    Bronze

    Covers the engine, drive axle, and transmission

    The Gold plan from CARCHEX is the company’s best extended warranty for cars over 100k miles. With this plan, you can cover your vehicle for up to 10 years, depending on the contract. In detail, the Gold plan covers:

    • Engine
    • Transmission
    • Cooling system
    • Transfer unit
    • Drive axle
    • Electrical
    • Steering
    • Air conditioning
    • Suspension
    • Braking system
    • High-tech
    • Turbocharger
    • Seals and gaskets for covered parts

    CARCHEX also offers some optional upgrades on the Gold plan:

    • Luxury Electronics Package: Covers parts like sunroof motors, LCD screens, and navigation systems
    • Emissions Package: Covers a variety of air and fuel sensors in the emissions system
    • Market Labor Rate Option: Removes the $100-per-hour cap on the market mechanical labor rate that normally comes on each plan

    CARCHEX Benefits

    CARCHEX offers the following perks with each plan, including the Gold extended warranty for cars over 100k miles:

    • Towing service
    • Roadside assistance
    • Car rental reimbursement
    • Trip interruption reimbursement

    #2 Endurance: Best Coverage

    Endurance is a reputable extended car warranty company that is also a direct provider, which means it handles the entire process from purchase to claims. Here are a few details about Endurance that make it a great choice for an extended warranty for cars over 100,000 miles:

    • Reputation: Endurance has been in business for more than 15 years. It sells extended warranties directly to consumers online and through a network of dealerships. The company has a C rating from the BBB, which is mostly based on its marketing practices.
    • Cost: The Endurance quotes we received matched up with the average price of $480 per year.
    • Customer experience: Endurance has a large number of positive reviews for its customer service on the BBB website, and it has a 4.4-star rating out of 5.0 from customers on Trustpilot.

    Endurance Plans

    Endurance offers the following plans: 

    Endurance Plan

    What It Covers

    Supreme

    Bumper-to-bumper warranty plan that covers almost any mechanical or electrical part

    Superior

    Highest level of component coverage for most systems of the car

    Secure Plus

    Covers the main systems of the car and has a shorter waiting period than other plans

    Select Premier

    Covers the powertrain plus parts on a few more systems

    Secure

    Most affordable coverage option for the powertrain only

    EnduranceAdvantageTM

    Combines extended warranty and maintenance coverage

    Endurance’s best extended warranty for cars over 100k miles is the Select Premier plan. You can qualify for this warranty if you have up to 150,000 miles on the odometer. Endurance designed this plan to protect crucial components like the engine and transmission plus important systems such as the air conditioning. Here are all of the systems covered:

    • Air conditioning
    • Brakes
    • Drive axle
    • Electrical components
    • Engine
    • Steering
    • Transfer case
    • Transmission
    • Turbo/supercharger

    With Endurance, there’s also another good option for vehicles with over 100k miles: the EnduranceAdvantage plan. This plan combines mechanical breakdown coverage and regular maintenance. It’s broken into three sub-plans: Prime, Plus, and Preferred. All can cover vehicles over 100k miles, but the Prime plan covers older vehicles no matter the mileage when the plan starts. Plans differ in the types of components covered, but they all offer the same maintenance benefits.

    EnduranceAdvantage covers regular maintenance, including:

    • Oil changes
    • Engine diagnostic exams
    • Alignment checks
    • Safety inspections
    • Tire rotations

    It also includes one-off services:

    • Brake pad replacement
    • Cooling system maintenance
    • Front or rear wiper blade replacement
    • Battery replacement
    • One scheduled service coverage

    Endurance Elite Benefits

    All Endurance customers get one free year of Endurance Elite Benefits. This program includes:

    • Total loss protection
    • Tire repair/replacement
    • Key fob replacement
    • Collision discount
    • Endurance mobile app

    Additionally, Endurance warranty plans come with the following benefits for the entire coverage period:

    • Roadside assistance
    • Rental car coverage
    • Trip interruption reimbursement

    #3 CarShield: Best Value

    CarShield is a great option for those looking to keep their expenses under control. It can cover cars with up to 200,000 miles, and the company is the most popular provider we’ve reviewed. CarShield offers everything from basic powertrain coverage to bumper-to-bumper-style plans. Here are a few details about CarShield:

    • Reputation: CarShield has been featured on ESPN, HGTV, CNN, and more. This third-party warranty provider has been around for 15 years and has paid out millions in claims over that time. It has received some negative feedback for using aggressive warranty expiration notices to market its product in the past.
    • Cost: The CarShield quotes we received were among the cheapest of any provider in our research. Bumper-to-bumper coverage was about $340 per year.
    • Customer experience: CarShield has a 4.0-star rating out of 5.0 from over 23,000 reviews on Trustpilot and a 4.1-star rating out of 5.0 from over 8,000 reviews on Google. It is the most-reviewed company we’ve researched.

    CarShield Plans

    CarShield offers the following plans: 

    CarShield Plan

    What It Covers

    Diamond

    Factory-level bumper-to-bumper plan for over 1,000 parts

    Platinum

    Covers hundreds of parts on all major systems

    Gold

    Mid-tier option that covers the powertrain plus a few more systems

    Silver

    Basic and affordable powertrain plan

    Aluminum

    Specialty coverage for high-tech components

    Motorcycle & ATV

    Platinum and Silver plans available for alternative vehicles

    CarShield’s best extended warranty for cars over 100k miles is the Gold plan. This plan covers important components far beyond 100,000 miles, including:

    • Engine
    • Transmission
    • Turbocharger
    • Cooling system (including the water pump)
    • Transfer unit
    • Drive axle
    • Air conditioning
    • Electrical system
    • Fuel system
    • Seals and gaskets for covered repairs

    CarShield Benefits

    As your car goes beyond 100,000 miles, the chance of a breakdown increases. That makes the extra benefits that come with an extended warranty even more valuable. CarShield offers the following on its plans:

    • Roadside assistance
    • Trip interruption reimbursement
    • Rental car reimbursement

    Compare Your Extended Warranty Options

    If you’re thinking about buying an extended warranty, it’s always a good idea to look at multiple plans. Any of the companies we’ve reviewed here offer reputable extended warranties for cars over 100,000 miles. The next step is to get free quotes from a few extended warranty companies so you can compare coverage and prices.

    Frequently Asked Questions

    • Can you get an extended warranty after 100,000 miles?

      Yes, you can get an extended warranty after 100,000 miles, but not many manufacturers offer plans that extend far beyond that. You’ll most likely have to consider third-party options for an extended auto warranty after 100,000 miles.

    • What does a 100,000-mile warranty cover?

      Hyundai, Genesis, Mitsubishi, and Kia all offer 100,000-mile powertrain coverage on new cars. This covers the engine, transmission, and drive axle for 100,000 miles. However, a 100,000-mile extended warranty can cover almost any part of the car depending on the vehicle service contract terms.

    • What manufacturer warranties cover cars past 100,000 miles?

      There are no factory warranties that last beyond 100,000 miles. Kia, Hyundai, and Mitsubishi allow up to 10 years or 100,000 miles for their powertrain warranties, but those don’t last beyond 100,000 miles. Some manufacturers sell extended warranties or dealer-backed service contracts that last up to 120,000, 125,000, or 150,000 miles. Some examples include Volkswagen, Lincoln, Lexus, Audi, Fiat, Volvo, Dodge, Jeep, Honda, Nissan, and Subaru.

    • What happens when a car reaches maximum mileage?

      After 100,000 miles, a range of repair needs can start to come up. You’ll want to watch out for breakdowns involving the drivetrain (engine, transmission, and drive axle). Sometimes you’ll just have to fix worn-out seals and gaskets. Transmissions may have to be replaced in less-reliable vehicles after 100,000 miles. In rare cases, you might have to replace the engine, which can cost up to $5,000 or more.

    • How much does a 100,000-mile extended warranty cost?

      We found that drivers pay between $1,500 and $3,000 for long-term (100,000-mile or more) extended warranty plans on average. What you pay depends on your vehicle and the level of coverage you select.

    • How can I contact Protect My Car customer service?

      Drivers who want to speak with Protect My Car customer service representatives can call 1-844-556-4762. Policyholders who want to file claims due to mechanical issues with their vehicles can contact the claims department at 1-844-256-4762.

    • What is CarShield's mileage limit?

      CarShield can cover vehicles with up to 200,000 miles. We named the provider Best Value in our review of the best extended car warranty companies.

    How We Rate Warranty Providers

    Our review process aims to deliver consistent and unbiased assessments of extended auto warranty providers. While there are multiple qualities that make a warranty company successful, our review team focuses on those we believe are the most important for consumers:

    • Cost: Cost can be difficult to compare between providers because so many factors impact vehicle service contract pricing. To determine our cost score, we perform a secret shopper analysis for a variety of vehicles and plans and consider available deductibles.
    • Coverage: Our team of experts looks at the number of extended warranty plans available, as well as term limits, exclusions, and added benefits like roadside assistance. Ratings also take into account the availability of maintenance coverage.
    • Reputation: It’s important that an extended car warranty company is able to meet its claims obligations. Companies with a strong rating from the BBB score well in this category. Established providers with a long history of reliable service also receive positive marks.
    • Customer Experience: We listen to real customer sales calls and comb through reviews on sites like the BBB to learn about customer experiences. Warranty companies with a low volume of complaints score well in this area. We also consider the availability of mobile apps and chat features.