Marissa Hayes is a technical editor and contributing writer. She holds a Bachelor’s Degree in history, and she was the editor of the literary magazine, The Bluestone Review.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Car Insurance Agent

UPDATED: Oct 21, 2021

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The Short of It

  • There are no auto insurance companies that offer extended warranties
  • Auto insurance companies offer other coverages, such as mechanical breakdown insurance, that help with repair costs
  • Drivers with a new car may consider an extended warranty once the manufacturer’s warranty expires

Auto insurance companies offer coverage generally related to damages to your vehicle from an accident or environmental causes like fire or flood.

Do car insurance companies offer extended warranties? No, auto insurance companies don’t offer extended warranties, but they do usually offer other ways for drivers to pay for repairs.

While you can’t find affordable auto insurance companies that have extended warranties, you can find companies that offer cheap car insurance. Shop around to find your lowest rates.

Keep reading to learn more about car insurance companies that have extended warranties. Enter your ZIP code now to compare free quotes from auto insurance companies near you today.

Which auto insurance companies offer extended warranties?

Auto insurance companies don’t offer extended warranties. Those must be purchased from companies that specialize in additional warranties.

The top five extended warranty companies are Endurance, CARCHEX, Protect My Car, Autopom!, and CarShield.

Although we can’t compare quotes from auto insurance companies that have extended warranties, we can show you average rates from top insurance companies.

This table compares rates from auto insurance companies based on coverage type. Full coverage will offer the most protection if your car is damaged.

Average Annual Auto Insurance Rates Based on Coverage Type
CompanyAverage Annual Rates for Low CoverageAverage Annual Rates for Medium CoverageAverage Annual Rates for High Coverage
Allstate$4,628.03$4,896.81$5,139.02
American Family$3,368.49$3,544.37$3,416.40
Farmers$3,922.47$4,166.22$4,494.13
GEICO$3,001.91$3,213.97$3,429.14
Liberty Mutual$5,805.75$6,058.57$6,356.04
Nationwide$3,394.83$3,449.80$3,505.37
Progressive$3,737.13$4,018.46$4,350.96
State Farm$3,055.40$3,269.80$3,454.80
Travelers$4,223.63$4,462.02$4,619.07
USAA$2,404.11$2,539.87$2,667.92
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Many companies offer additional auto insurance coverage, such as mechanical breakdown insurance, to help with repairs outside of normal coverage.

Mechanical breakdown insurance (MBI) is similar to a car warranty in that it covers repairs related to your car’s important systems, such as the transmission or electrical systems.

However, MBI is generally much less expensive than an extended warranty.

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When do you need an extended warranty for your vehicle?

If you don’t want to pay for repairs to your vehicle that your auto insurance won’t cover, you might want to consider an extended warranty.

Are extended warranties worth it on cars? That really depends on your vehicle.

If your car is fairly new and would be expensive to repair, an extended warranty can save you those unexpected out-of-pocket costs.

However, if your car is older and repairs aren’t expensive, you might want to save your money. Extended warranties can be expensive and don’t cover all damages.

According to Kelley Blue Book, extended warranties don’t cover repairs from:

  • Normal wear and tear related to tires, oil changes, brake pads, or other scheduled maintenance
  • Interior damages such as ripped seats
  • Damages from an accident or act of nature
  • Abnormal wear such as off-roading

It’s also important to note that warranties vary in terms of how extensive they are. Pay close attention to what is and is not covered under your extended warranty.

If you do choose to buy an extended warranty, make sure you go with a reputable company and avoid scams that try to sell you coverage over the phone.

Auto Insurance Companies That Offer Extended Warranties: The Bottom Line

Auto insurance companies that don’t have extended warranties usually offer other types of coverage to help with vehicle repairs, such as mechanical breakdown insurance.

Drivers may consider buying an extended warranty in addition to auto insurance to make sure any repairs needed are covered, whether the damage is from an accident or not.

Although you can’t find cheap quotes from auto insurance companies that have extended warranties, you can find cheap rates on car insurance. Enter your ZIP code now to compare quotes from companies in your area for free.