Extended Warranty for Cars Over 100k Miles

The Gist:

• Of the largest third-party warranty providers, CARCHEX is the best extended warranty company for cars over 100k miles.
• CarShield provides one of the highest mileage limits in the industry for its vehicle service contracts.
• Endurance offers an extended warranty plan, EnduranceAdvantage, that combines an extended warranty with maintenance coverage.

If you’re looking to extend the protection of your manufacturer’s warranty beyond the 100,000-mile mark, an extended warranty may be the answer you’re looking for. Several of the best extended car warranty companies offer extended warranty coverage for high-mileage vehicles. This article will take a deep dive into company policies, rates, reviews, and even the fine print.

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Best High-Mileage Car Warranty

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. While most third-party warranty providers offer coverage for vehicles beyond 100,000 miles, CARCHEX, Endurance, and CarShield offer the best coverage options for older cars.

Best Extended Warranty For Cars Over 100K Miles

The table below compares the high-mileage limit of several popular providers.

Extended Warranty Company	Maximum Coverage	Best Plan for Cars with High Mileage
#1 CARCHEX	250,000 miles	Titanium
#2 Endurance	200,000+ miles	Select Premier
#3 CarShield	200,000 miles	Gold
#4 ForeverCar	Unlimited miles	Gold
#5 Olive	Unlimited miles	Powertrain Plus

High-Mileage Car Warranty Companies

Extended warranties for cars over 100k miles tend to be the best high mileage car warranties. The sections below will examine the coverage, plans, cost, and claims offered by our top picks for extended vehicle warranties for cars over 100,000 miles.

#1 CARCHEX: Best For Used Cars

We think CARCHEX offers 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 about 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 $812 per year of coverage. The CARCHEX quotes we received were more affordable at an average of $601 per year of coverage. The company offers monthly payment plans for all automotive extended warranties.
• Customer experience: CARCHEX has 2.5 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
Powertrain Plus	Covers the powertrain plus a few major systems
Powertrain	Provides coverage for the major systems on your vehicle
Extra Care	Provides coverage for many of the crucial systems outside of the powertrain

CARCHEX Gold Coverage

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
• Choice of repair shop
• Trip interruption reimbursement
• Choice of licensed repair shop (must be certified by the National Institute for Automotive Service Excellence)

You can read more about the company in our CARCHEX warranty review.

#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 since 2006. It sells extended warranties directly to consumers online and through a network of dealerships. The company is currently not rated or accredited by the BBB.
• Cost: The Endurance quotes we received came in below the average price at $580 per year. The company offers a 30-day money-back guarantee if you are not satisfied with your coverage.
• Customer experience: Endurance has a large number of positive reviews for its customer service on the BBB website, and it has a 3.7-star rating out of 5.0 from customers on Trustpilot.

Endurance Plans

Endurance offers the following extended car warranty coverage:

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 Select Premier

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 powertrain 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

EnduranceAdvantage Auto Warranty

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

Keep in mind that after the first year, Endurance Elite will cost $29 per month on top of your warranty cost.

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

• Roadside assistance
• Rental car coverage
• Trip interruption reimbursement

You can discover more about the provider in our Endurance warranty review.

#3 CarShield: Best Monthly Payments

CarShield is a great option for those looking to keep their expenses under control. It can cover cars with up to 300,000 miles, and the company is the most popular provider we’ve reviewed. CarShield offers everything from basic powertrain coverage to bumper-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 since 2005 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 highest of any provider in our research. Coverage costs about $1,500 per year, but monthly payments are lower than other providers.
• Customer experience: CarShield has a 4.0-star rating out of 5.0 from over 41,000 reviews on Trustpilot and a 4.3-star rating out of 5.0 from over 14,000 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 Gold Plan

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

You can read more about the company in our CarShield review.

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High-Mileage Car Warranty

Several aftermarket providers offer extended warranty coverage for older, high mileage vehicles. When looking for an extended warranty for vehicles with over 100k miles, your options will depend on your vehicle’s make and model, current mileage, and age. You can typically find plans covering many systems, including the steering, suspension, engine, transmission, and electrical systems. Or you could get a standard powertrain plan, which protects your engine, transmission, and drive axle.

Longest Extended Car Warranty

The table below compares the companies that offer the longest extended car warranties in the industry.

As you’re considering a used car warranty, remember to look at BBB ratings, online reviews, perks and benefits of each company, and customizable options that will protect your car with over 100k miles.

Extended Warranty For Cars Over 150k Miles

During our research, we found that CarShield offered one of the most affordable extended warranties for cars over 150k miles. The coverage limit from CarShield ranges up to 300,000 miles. Other companies that can cover vehicles over 150,000 miles include Olive, ForeverCar, and Protect My Car.

Extended Warranty For Cars Over 200k Miles

The EnduranceAdvantage plan is the highest coverage tier offered by Endurance warranty services and covers vehicles over 200k miles. CARCHEX, which we’ve named the Best for Used Cars in 2024, provides warranties for cars with up to 250k miles.

Unlimited Mileage Car Warranty

Olive and ForeverCar provide extended car warranties with unlimited mileage. However, there are time restrictions, so the warranties won’t last forever.

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Extended Warranty For Cars Over 100k Miles Cost

Our team contacted extended car warranty companies to get quotes for a 2012 Subaru Outback. CARCHEX quoted us $192 per month for 18 months for the Silver plan, while Endurance quoted $104 per month for 30 months for its Supreme plan. Both of these plans would cover the Outback for between 51,000 and 60,000 miles.

In addition, our 2022 extended car warranty survey found that most people reported paying between $1,615 to $3,208 for their extended car warranty. The overall average for our survey was $2,458.

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Are Extended Warranties Worth It For Cars Over 100K Miles?

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: $905 to $1,095
• Transmission replacement: $5,092 to $5,291
• Head gasket replacement: $1,853 to $2,149

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, but not wear and tear, scheduled service, or preventative maintenance. Read the fine print about exclusions thoroughly so you know exactly what’s covered. Your cost will vary based on a variety of factors, including the provider you choose, as shown below.

What Happens When A Car Reaches Maximum Mileage?

While there is no maximum mileage for all cars, the cost of repairs can become more expensive as cars age. Each car model is unique, however, if the car has been driven hard, the maximum mileage could be as early as 150,000 miles. On the other hand, some well-maintained vehicles can reach 300,000 miles and beyond.

Are 100K Miles A Lot For A Car?

If a car is well-maintained, 100,000 miles is considered the halfway point in its life. You can expect well-maintained vehicles to make it to at least 200,000 miles and potentially more. No manufacturer warranty lasts that long, which is why it can be a good idea to consider an extended warranty for cars over 100K miles.

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Car Warranty For Older Cars

One of the biggest factors, besides mileage, that can impact your vehicle’s eligibility for an extended car warranty is age. For example, if you have a car that is a decade old and has 200,000 miles, most extended car warranty providers would not cover it.

In this instance, you would be forced to pay for unexpected repairs out of pocket since your factory warranty might be expired. The good news, however, for older car owners is that they can get extended car warranty coverage from the providers above, even when their vehicles have over 100k miles.

Should I Get An Extended Warranty For Older Cars?

While a vehicle’s age doesn’t necessarily impact the number of problems it has, older cars do tend to break down more frequently. Those driving older cars should consider getting extended warranties for unexpected cases to avoid paying bills from their own pockets.

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Best High-Mileage Car Warranty: Conclusion

If you’re thinking about buying an extended warranty, it’s a good idea to look at multiple plans. All 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.

Best Warranty For Older Cars: FAQ

Below are frequently asked questions about older car warranties:

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.

*Data accurate at time of publication