Buying a used car in the USA can be a smart financial move, but it often comes with concerns about future repair costs. Unlike new cars, used cars are more likely to require repairs, and manufacturer warranties may already have expired. To protect yourself from unexpected expenses, you need a reliable extended auto warranty or a comprehensive Endurance car insurance policy that covers repairs and maintenance.
Finding the cheapest yet most reliable options can be challenging because not all providers offer the same coverage or pricing. This guide will help you discover the 10 cheapest extended auto warranty and Endurance car insurance policies for used cars in the USA. We will break down each provider, the types of coverage available, what to expect in terms of cost, and how to choose the right plan for your needs.
By the end of this article, you will have all the information you need to confidently select the best plan to protect your used car without breaking the bank.
What Is an Extended Auto Warranty?
An extended auto warranty, also called a vehicle service contract, is a policy you buy to cover the cost of certain repairs and replacements after the manufacturer’s warranty expires.
Key features of extended auto warranties
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Covers repair costs: Most policies cover the cost of mechanical breakdowns like engine, transmission, or electrical system repairs.
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Optional plans: You can choose between comprehensive coverage or limited component coverage.
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Flexibility: Can be purchased from the manufacturer, dealership, or third-party providers.
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Transferable: Many plans can be transferred to a new owner if you sell your car.
What Is Endurance Car Insurance?
Endurance is one of the most popular providers of extended auto warranties in the USA. While not a traditional insurance company, Endurance offers a range of vehicle protection plans that act similarly to car insurance for mechanical breakdowns.
Why Endurance is popular for used cars
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Offers flexible plans for cars up to 20 years old.
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Includes additional perks like roadside assistance and rental car coverage.
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Known for transparent pricing and customizable plans.
Summary Table: 10 Cheapest Extended Auto Warranty and Endurance Car Insurance Policies
| Provider | Type of Coverage | Coverage Length | Average Monthly Cost | Key Features |
|---|---|---|---|---|
| Endurance | Extended auto warranty | Up to 8 years | $70–$120 | Roadside assistance, flexible plans |
| Carchex | Extended warranty | Up to 10 years | $60–$110 | Multiple tiers of coverage, nationwide repair options |
| Protect My Car | Extended warranty + maintenance | Up to 7 years | $80–$130 | Includes oil changes and tire rotations |
| Olive | Extended warranty | Up to 10 years | $55–$100 | Instant online quotes, no waiting period |
| autopom! | Extended warranty | Up to 8 years | $65–$120 | Great customer service, customizable coverage |
| Concord Auto Protect | Extended warranty | Up to 8 years | $70–$110 | Free roadside assistance, easy claims |
| CarShield | Extended warranty | Up to 10 years | $60–$100 | Affordable, good for high-mileage cars |
| AA Auto Protection | Extended warranty | Up to 7 years | $65–$115 | Flexible payment plans, coverage for older cars |
| Toco Warranty | Extended warranty | Up to 8 years | $55–$105 | No down payment required, covers high-mileage vehicles |
| GWC Warranty | Extended warranty | Up to 7 years | $75–$120 | Includes used car dealer partnerships |
Detailed Reviews of the 10 Cheapest Extended Auto Warranty and Endurance Car Insurance Policies in the USA
1. Endurance
Endurance is one of the most trusted names in the extended auto warranty industry.
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Coverage options: Six levels of coverage, from basic powertrain plans to full exclusionary coverage.
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Average cost: $70–$120 per month depending on the plan and vehicle.
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Why choose Endurance: Includes 24/7 roadside assistance, rental car benefits, and access to certified repair shops.
2. Carchex
Carchex offers extensive warranty plans and competitive pricing.
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Coverage: Up to 10 years with five levels of coverage.
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Average cost: $60–$110 per month.
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Highlights: Carchex has a strong reputation for customer service and allows you to use any licensed repair facility.
3. Protect My Car
Protect My Car is known for including maintenance benefits with its warranty plans.
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Coverage: Offers both repair coverage and scheduled maintenance like oil changes.
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Average cost: $80–$130 per month.
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Why it’s great: Ideal for used car owners who also want help with regular maintenance costs.
4. Olive
Olive provides online-based extended auto warranty services with quick enrollment.
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Coverage: Comprehensive coverage for cars up to 10 years old.
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Average cost: $55–$100 per month.
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Unique feature: Immediate coverage with no waiting period after purchase.
5. autopom!
autopom! is known for excellent customer service and transparent contracts.
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Coverage: Flexible plans up to 8 years.
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Average cost: $65–$120 per month.
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Why it’s popular: Provides in-depth explanations and customizable coverage options.
6. Concord Auto Protect
Concord Auto Protect offers affordable plans with quick claims processing.
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Coverage: Three tiers of extended warranty plans.
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Average cost: $70–$110 per month.
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Additional benefits: Roadside assistance and trip interruption reimbursement.
7. CarShield
CarShield is one of the most affordable providers for high-mileage used cars.
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Coverage: Plans up to 10 years with multiple coverage levels.
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Average cost: $60–$100 per month.
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Perks: Offers coverage for motorcycles, ATVs, and other vehicles.
8. AA Auto Protection
AA Auto Protection is a strong option for older vehicles and budget-conscious drivers.
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Coverage: Up to 7 years for vehicles with higher mileage.
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Average cost: $65–$115 per month.
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Highlight: Flexible payment plans and nationwide repair network.
9. Toco Warranty
Toco Warranty stands out for not requiring a down payment.
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Coverage: Affordable plans up to 8 years.
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Average cost: $55–$105 per month.
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Why choose Toco: Ideal for customers who want to start coverage immediately without upfront costs.
10. GWC Warranty
GWC Warranty partners with used car dealers to offer extended warranties.
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Coverage: Up to 7 years with different tiers.
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Average cost: $75–$120 per month.
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Special features: Includes roadside assistance and rental car coverage.
How to Choose the Best Extended Auto Warranty for Used Cars in the USA
1. Evaluate your car’s age and mileage
Used cars with higher mileage require more comprehensive coverage, so choose a plan that does not exclude major components.
2. Compare the cost vs. coverage
Look beyond monthly premiums. Review deductibles, coverage limits, and excluded repairs.
3. Check the provider’s reputation
Choose companies with strong customer service, easy claims processing, and good reviews from independent sources.
4. Look for extra perks
Roadside assistance, rental car reimbursement, and maintenance benefits can add value to your plan.
5. Avoid scams and hidden fees
Read the fine print to ensure there are no hidden costs or excessive exclusions that make the warranty worthless.
FAQs About Extended Auto Warranties and Endurance Car Insurance in the USA
1. What is the cheapest extended auto warranty in the USA?
Olive and Toco Warranty often have the lowest monthly premiums, starting around $55.
2. Are extended auto warranties worth it for used cars?
Yes, especially for cars with higher mileage or those prone to expensive repairs.
3. What does Endurance car insurance cover?
Endurance provides extended warranties that cover engine, transmission, electrical systems, and more, plus perks like roadside assistance.
4. Can I buy an extended warranty for a car over 10 years old?
Yes, companies like CarShield and Endurance offer coverage for vehicles up to 20 years old.
5. Are warranties transferable if I sell my car?
Many providers allow you to transfer the warranty to the new owner for a small fee.
6. Do I need an inspection to get a warranty?
Some companies require a vehicle inspection, but online providers like Olive often do not.
7. Can I use my own mechanic for repairs?
Most providers allow repairs at any licensed repair facility, but confirm this before purchasing.
8. What is the difference between an extended auto warranty and car insurance?
Car insurance covers accidents, theft, and liability, while extended warranties cover mechanical breakdowns.
9. Are there warranties that include maintenance?
Yes, Protect My Car offers plans that include oil changes, tire rotations, and other routine maintenance.
10. How long do extended warranties last?
Plans can last anywhere from 1 to 10 years depending on the provider and vehicle.
Conclusion
The 10 cheapest extended auto warranty and Endurance car insurance policies listed in this guide are great options for used car owners in the USA. Whether you prioritize the lowest monthly cost, comprehensive coverage, or perks like maintenance benefits, there is a plan to fit your needs.
Providers like Endurance, Carchex, and CarShield are especially popular for their flexibility and nationwide repair networks. Others like Olive and Toco Warranty are perfect for budget-conscious drivers.
Protect your investment by comparing quotes and reading the fine print before committing. By choosing the right extended auto warranty or Endurance car insurance plan, you can drive with peace of mind knowing that expensive repairs will not derail your finances.