Top picks
CarShield is our No. 1 pick because of its Gold plan, which covers a vehicle’s powertrain and other components for up to 300,000 miles.
Carchex offers the Platinum and Powertrain Plus plans, each of which covers a high-mileage car’s powertrain and other parts.
The Omega Auto Care Powertrain Protection plan covers vehicles up to 250,000 miles and offers three coverage suboptions.
Most factory warranties end after 3 years/36,000 miles of coverage, and even the best car warranties limit coverage to 5 years/60,000 miles. With Americans keeping vehicles for an average of 12.6 years, according to S&P Global Mobility, it’s important to find coverage that lasts for the duration of your car’s life span.
The best extended car warranty for cars over 100,000 miles is offered by CarShield, which sells policies for vehicles up to 300,000 miles. Carchex, Omega Auto Care and Everything Breaks offer plans that cover vehicles with up to 250,000 miles, with Endurance — our No. 1 overall pick — covering up to 200,000 miles.
But before you start learning more about your coverage options for high-mileage vehicles, request a free quote from Endurance below:
Our top pick
4.5
Market Standing:4.6
Coverage Options:4.9
Customer Service:4.1
Cost:4.3
Quick facts
Endurance offers coverage for up to 8 years or 200,000 miles, but it only offers long-term plans.
- Our top pick for auto warranty
- Mileage covered:Up to 200,000 miles
- Longest term:Up to 8 years
- Money-back guarantee:30 days
- Coverage options: 6 plans
- Discounts:First-time applicant discount
Pros and cons
Pros
- Six coverage plans
- Mechanical breakdown and maintenance benefits
- First-time application discount
Cons
- No unlimited or month-to-month plans
- Elite benefits only free for the first year
- Three of its six plans aren’t listed on its website
Best extended warranties for cars over 100k miles
We’ve reviewed the best car warranty companies on market standing, coverage, cost, trustworthiness and customer experience. Here, we’ve weighed the maximum mileage more heavily in the ranking. These companies are good options for covering costly repairs on older vehicles.
It’s kind of like if you go to the doctor’s office. You have to do your homework.
Michael Chung
These mileage limits all refer to the total miles on the odometer. When you get quotes for vehicle service contracts, coverage might apply for a certain number of miles from when you purchase the warranty. But for simplicity’s sake, we’re talking about total odometer miles in this article.
The table below shows the best extended car warranty providers for cars over 100,000 miles based on our rating methodology:
| Company | Rating | Max Mileage | Number of Plans | Average Monthly Rate | Get Started | |
|---|---|---|---|---|---|---|
Our top pick | 4.5 | 200,000 | 6 | $97 | Explore Plans | |
| 4.5 | 250,000 | 5 | $140 | Learn More | |
4.4 | 250,000 | 5 | N/A | Explore Plans | ||
| 4.4 | 300,000 | 8 | $133 | Learn More | |
4.3 | N/A | 5 | $78 | Learn More |
| Company | Rating | Max Mileage | Number of Plans | Average Monthly Rate | Get Started | |
|---|---|---|---|---|---|---|
Our top pick | 4.5 | 200,000 | 6 | $97 | Explore Plans | |
| 4.5 | 250,000 | 5 | $140 | Learn More | |
4.4 | 250,000 | 5 | N/A | Explore Plans | ||
| 4.4 | 300,000 | 8 | $133 | Learn More | |
4.3 | N/A | 5 | $78 | Learn More |
More details on warranties for cars over 100k miles
Next, we’ll go over our top five picks in detail. The ranking order is based on the length of coverage available for cars over 100,000 miles.
1. CarShield
4.4
BBB Rating: A
Our take
What we like
CarShield’s maximum mileage of 300,000 miles is the highest in the industry. CarShield’s the best pick if you have a well-maintained vehicle. The company also offers month-to-month plans, which makes it easy to have short-term coverage.
What we don’t like
CarShield’s flexible plans require a constant monthly payment, so they can become expensive for long-term coverage. The company maintains an A rating due to its customer response rate and attempts to resolve these concerns, but more than 3,300 complaints have been posted to the company’s Better Business Bureau (BBB) listing, including failure to cover repairs and delayed claims processing.
Cost
We reached out to CarShield for a couple of quotes on a 2018 Toyota RAV4 with 50,000 miles. The first quote was $140 per month for an unlimited Diamond (exclusionary) plan. The second quote was $120 per month for an unlimited Gold plan, a mid-level contract. After some negotiation, the salesperson also offered us discounted rates of $120 and $110, respectively.
Best high-mileage plan
CarShield offers six levels of coverage including a plan that covers EVs. Specifically, the Gold plan is designed to cover car repairs on vehicles over 100,000 miles. It covers the engine, transmission, drive axle, turbocharger, transfer unit, cooling system, air conditioning, electrical system and fuel system. These components can be expensive to fix, especially the engine and transmission.
2. Carchex
4.5
BBB Rating: A+
Our take
What we like
Carchex has a solid industry reputation: it maintains an A+ rating from BBB, which means it works to solve complaints quickly. It’s also a trusted partner of industry organizations like Kelley Blue Book and Edmunds. Carchex’s five plans span everything from a bumper-to-bumper warranty to powertrain coverage. The company also offers a specialty plan, Extra Care, that supplements existing powertrain coverage.
What we don’t like
The company has a strong reputation, but it also has higher monthly rates than many of its competitors. It also has a 1.9-star rating based on more than 160 customers on BBB, with some customers describing various issues such as denied claims.
Cost
Initial quotes for powertrain and mid-level plans ranged from $130 to $140 per month, though the sales rep offered generous discounts that brought rates down by about $20 or $30.
Carchex offers both fixed-term and unlimited month-to-month plans. The quotes we received were month-to-month — if you paid $130 a month for four or five years you’d end up with a very expensive plan.
Best high-mileage plan
The Platinum and Powertrain Plus plans from Carchex are both good options for cars over 100,000 miles. The Powertrain Plus plan covers the powertrain (engine, transmission, drive axle, turbocharger and transfer unit), plus the cooling system, air conditioning, fuel system and electrical system. The Platinum plan adds coverage for steering, suspension, brakes, high-tech, audio and emissions systems.
3. Omega Auto Care
4.4
BBB Rating: A+
Our take
What we like
Omega Auto Care has outstanding benefits. Along with roadside assistance, rental car reimbursem*nt and trip interruption coverage, which are standard in the industry, the plans come with road hazard tire repair: $20 for repair or $100 for replacement up to $400 total. Omega Auto Care also covers maintenance such as oil changes, battery replacement and brake pad replacement.
What we don’t like
Omega Auto Care could have better transparency compared to other leading providers. The company does provide sample contracts, which is good, but the contracts lack details about specific maintenance coverage.
Cost
We tried to get quotes from Omega Auto Care multiple times and were only connected with the company’s customer service department, not sales. The customer service agents were helpful but they weren’t able to sell plans. If you get quotes from Omega Auto Care, keep in mind the average from top providers in the industry is $2,845 in total cost over the life of a warranty.
Best high-mileage plan
Omega Auto Care has three main plans: New Exclusionary, Used Stated and Powertrain Protection. The Powertrain Protection plan is the best extended warranty for cars over 100,000 miles since it covers up to 250,000 miles. The plan also has three sub-options: Enhanced, Plus or Powertrain, each of which offers slightly different coverage for crucial vehicle systems.
4. Endurance
4.5
BBB Rating: A-
Our take
What we like
Endurance offers six main plans while most companies offer three to five. One of its plans, Advantage, covers regular maintenance in addition to mechanical breakdowns. It reimburses up to $50 for an oil and filter change three times per year and covers one-time services like brake pad and battery replacement up to a limit, but that limit isn’t stated.
Endurance is also a direct warranty provider, which means you don’t have to work with a third party to file a claim.
What we don’t like
Endurance is our pick for the best extended warranty company overall, so there’s not a whole lot we don’t like. But when looking through the lens of coverage for over 100,000 miles, it’s possible the company’s limit of 200,000 miles may not be enough for a well-maintained car that can really go the distance.
Cost
Out of all the Endurance quotes we received, quotes for vehicles with the highest mileage were the most expensive, which makes sense. We received two quotes for a Toyota RAV4 with 90,000 miles. One was for the Superior plan and the other was for the Advantage plan. Both plans offered 30 months/40,000 miles of coverage with 30-month payment terms.
The Superior quote was $115 per month and the Advantage quote was $110 per month. With total costs of $3,437 or $3,314, respectively, these were relatively expensive plans for just two and a half years.
Best high-mileage plan
If you have a car with over 100,000 miles, the best Endurance warranty plan is Secure Plus. This plan was designed for cars with high mileage and it can cover up to 200,000 miles. It covers the powertrain plus the brakes, steering, air conditioning and electrical system.
5. Everything Breaks
4.3
Our take
What we like
Everything Breaks offers a few unique features. It charges a flat monthly rate per plan which is different from most companies that customize quotes. You can see rates up front without giving any of your information to the provider. It also has an inexpensive Critical Coverage plan that covers 50 percent of a breakdown repair up to a $500 limit per occurrence and up to $2,000 total in a year.
What we don’t like
Everything Breaks’ plans tend to cover fewer parts than comparable plans from other companies (except the comprehensive Topline Protection plan). For example, Everything Breaks’ Enhanced Powertrain Protection plan doesn’t cover the engine mounts or belt tensioner while these components are covered under Endurance’s Secure Plus plan.
Cost
Everything Breaks makes it easy to see what a plan would cost. It advertises monthly rates for each plan on its website. The plans available for high-mileage vehicles are Enhanced Powertrain, Standard Powertrain and Critical Coverage. These cost $80, $70 or $30 per month, respectively.
Best high-mileage plan
The Enhanced Powertrain, Standard Powertrain and Critical Coverage plans can cover up to 250,000 miles, so they’re great options for cars over 100,000 miles. Enhanced Powertrain covers 61 vehicle components while Standard Powertrain covers 18. Critical Coverage is a different type of plan that gives you a 50 percent discount on covered repairs up to $500 per repair and $2,000 per year. It can be a good option for old cars that would otherwise be too expensive to cover.
What to know about extended warranties for cars over 100k miles
Having an extended warranty plan over 100,000 miles can give you peace of mind that expensive repair bills are covered on your high-mileage car. But whether an extended car warranty is worth it on a high-mileage vehicle can be another story.
Are extended warranties worth it on cars over 100,000 miles?
A high-mileage warranty can be worth it if you know what’s covered and can justify the cost. As your car ages past 100,000 miles, the chance of having a breakdown increases and you might find yourself asking, “How can I protect my car?” Warranty companies know this, of course. This is why it costs more to get the same coverage for an older car compared to a newer one.
Compare the types of automotive repair costs you’d want financial help with to those you can cover yourself. It might not be worth buying a comprehensive plan that covers everything from the electrical system to the brakes because it’s going to be more expensive. A basic powertrain vehicle protection plan covers the important parts that make your car go like the engine and drivetrain. You can find better rates on this type of coverage for an older car.
Also, consider getting a higher deductible. If you can afford to pay a $250 or $500 deductible to the repair facility, then you’ll find lower rates overall.
How do you find a reputable car warranty company?
To find a reputable warranty company for coverage over 100,000 miles, compare industry ratings and customer reviews on platforms like BBB and Trustpilot. If you have a luxury or electric vehicle, you’ll want to make sure the company covers those types of systems, as not all do.
Make sure the company offers sample contracts online or gives you time to look at a paper contract while you can get your money back. Be aware that some warranty companies require you to mail a notarized odometer statement in order to cancel, which can take some extra time.
Make sure the provider covers auto repairs at any licensed repair shop. All of our recommendations do, but some extended auto warranty companies limit you to specific dealerships for repairs.
Final take: CarShield offers the highest mileage limit for warranty coverage
CarShield is the best choice if you have an older car or buy a used car with a lot of miles on it and want an extended warranty that’ll cover you for longer. It can cover up to 300,000 miles on the odometer. That said, Carchex, Omega Auto Care, Endurance and Everything Breaks are all good options for high-mileage vehicles as well.
Get free quotes from multiple extended warranty providers to find the best high-mileage warranty for your budget and remember to always read the fine print of your contract before signing.
Our rating methodology for warranty companies
At Homefront, we analyze, rate and rank top vehicle service contract providers to help you discover the right one for your needs. The best automotive service contract companies offer transparency, affordability and expansive coverage options, among other qualities.
We rate companies using our objectivescoring methodology. We assess brands on factors that are important to consumers like you — including cost, coverage, market standing, trustworthiness and customer experience. After scoring companies on a 100-point scale, we simplify final scores into the 5-star ratings you see in our content.
BBB and Trustpilot scores accurate as of January 2024.
Brogan Woodburn, WriterHomefront
Learn more about Brogan Woodburn
Brogan Woodburn is a writer for USA TODAY Homefront and has read dozens of extended auto warranty contracts, including the fine print that will tell you whether your car insurance covers slashed tires or can get you a new engine replacement. His editorial experience in the auto industry includes work that appears on MarketWatch and Motor1.com.
Brogan is based in Prineville, Oregon, and enjoys exploring the outdoors in his free time. Having studied guitar at Berklee College of Music, he also performs classical guitar for local events and weddings.
Alyssa Trostle, EditorHomefront
Learn more about Alyssa Trostle
Alyssa Trostle is an editor at USA TODAY Homefront. Having read dozens of warranty booklets from every vehicle manufacturer and over 100 sample contracts from third-party providers, Alyssa is an expert in the auto categories of warranty and shipping categories. Alyssa earned an MFA in creative writing with a concentration in creative nonfiction from Chatham University, which honed her skills in writing and editing both creative and professional content. In her spare time she enjoys reading contemporary fiction and following Pittsburgh sports.
