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Find the Best Extended Car Warranty Companies in Richmond, VA

If your car breaks down and the manufacturer warranty has expired, you could be looking at an expensive repair — unless you have an extended auto warranty. The Richmond Times-Dispatch has partnered with ConsumerAffairs to create this guide by comparing local popularity, plan selection and regional availability of 33 businesses and choosing 10 favorites from the top extended auto warranty companies in Richmond.

Companies pay ConsumerAffairs to be authorized, and the Richmond Times-Dispatch and/or ConsumerAffairs may receive compensation when you click a link, call a number or fill out a form on this site.

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Car warranty coverage in Richmond

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Unlike car insurance, which protects you financially in case of an accident, theft or damage due to vandalism, an extended auto warranty covers breakdowns and repairs due to wear and tear.

Extended auto warranties, also called vehicle service contracts, are available in a variety of plan levels, depending on the provider. They range from basic, powertrain-only plans, to exclusionary contracts, which cover nearly everything and are similar to an original manufacturer warranty. Vehicle service contracts last for a certain number of years or miles.

  • Basic plans typically cover your engine, transmission, transfer case and drive axle.
  • Upgraded, midlevel plans usually cover your air conditioning system, steering, suspension, electrical systems and brakes. Keep in mind that brake coverage usually does not cover pads and rotors.
  • Exclusionary, or bumper-to-bumper, plans add coverage for your GPS, instrument cluster and radio.

Many extended auto warranty companies in Richmond offer additional benefits with all plans, such as 24/7 roadside assistance, rental car coverage and trip interruption service.

How much do extended car warranties cost in Richmond?

The cost of an extended auto warranty in Richmond depends on the make and model of your vehicle, the model year, the mileage, the level of coverage, the deductible and how many miles you drive per year. Most contracts cost $300 to $700 per year.

For example, if you own a 2015 Honda Accord with 40,000 miles, a basic, three-year extended auto warranty costs between $1,300 and $2,000 in Richmond.

Some Richmond extended auto warranty companies offer discounts, like for students or military members. Contact multiple companies for quotes for similar coverage. You can pay for vehicle service contracts monthly but may be able to save by paying in full upfront.

Are car warranties worth it for Richmond drivers?

Extended auto warranties cover parts of a vehicle that are often very expensive to fix: the engine and transmission. If your car breaks down and requires repairs to these components — or air conditioning, suspension or electrical systems — it’s possible the cost of the repair will be more than the cost of your entire vehicle service contract. Most extended auto warranties have deductibles of $100 or less and allow you to take your vehicle to any dealership or certified mechanic for repairs.

Extended auto warranties are most helpful if you have a vehicle that is no longer covered by the manufacturer, and you don’t want to pay out of pocket for costly repairs. These contracts provide financial security, even if there’s no guarantee you will have to use it.

Richmond extended auto warranty FAQ

How do extended car warranties work?

When your car needs a repair, you take it to an approved repair facility for an estimate. You make a claim with the contract provider, and if it determines if the repair is covered, it approves the claim. The extended auto warranty company usually pays the repair shop directly; all you owe is your deductible amount.

Can you buy a car warranty at any time?

You can purchase an extended car warranty at any time, provided your vehicle is still within the age and mileage limits set by the coverage provider (typically up to 20 years and 200,000 miles).

Where can I use my car warranty in Richmond?

With most extended car warranty contracts, you can take your car to any dealership or repair shop with certified mechanics, such as Complete Automotive of Richmond or West Broad Honda.

Can I purchase an extended warranty on a used car?

Yes, you can purchase an extended warranty for a used car, as long as it’s not beyond a company’s limits for model years or mileage.

Richmond extended car warranty company information

Endurance Auto Warranty

Endurance Auto Warranty offers five levels of service contracts, with coverage for high-mileage vehicles that includes engine, transmission, transfer case, drive axle and turbocharger. All plans come with 24/7 roadside assistance, rental car coverage and trip interruption service. No vehicle inspection is required. Richmond customers can enjoy Endurance Auto Warranty’s 30-day money back guarantee if no claims are made.

Endurance Auto Warranty Learn More (800) 270-3193


CARCHEX provides five levels of coverage, with various plans to choose from at each level. The company covers vehicles for two to 10 years. Contracts include rental car coverage, roadside assistance, fuel delivery and towing. CARCHEX offers a lowest-price guarantee on auto warranty contracts and a 30-day money back guarantee.



CarShield has five levels of coverage, plus a plan for motorcycles and ATVs. Basic coverage includes powertrain. High-end coverage includes electronics and factory-installed audio, along with air conditioning and all-wheel drive systems. Plans come with rental car assistance, lockout service and towing coverage. CarShield offers monthly payments plans and a 30-day money back guarantee.


Protect My Car

Protect My Car provides three levels of extended auto warranty coverage. All levels of coverage include suspension, electrical systems and air conditioning, along with rental car, towing, roadside assistance, oil changes and tire rotations. Student and military discounts are available. Protect My Car’s plans have a $100 deductible and come with a 30-day money-back guarantee.

Protect My Car

Concord Auto Protect

Concord Auto Protect offers three levels of extended warranty coverage. The Premium plan covers major components along with heating, air conditioning, anti-lock brakes, high-tech electronics, turbocharger and front/rear suspension. All plans include towing, locksmith services, rental car coverage and 24/7 roadside assistance. Concord Auto Protect plans come with a 30-day money-back guarantee.

Concord Auto Protect

Complete Car Warranty

Complete Car Warranty offers two plans covering many components, including all-wheel drive. The highest level of coverage includes exterior items such as hood, trunk lift and door locks. Towing, 24/7 roadside assistance and rental car reimbursement come with contracts. Complete Car Warranty has no restrictions on choice of repair facility.

Complete Car Warranty

Omega Auto Care

Omega Car Care has five extended auto warranty plans, including an exclusionary option. Powertrain covers the engine, transmission, transfer case, drive axle, seals and gaskets, and certain hybrid components on cars up to 15 model years old with 250,000 miles. Additional benefits include roadside assistance, towing and rental car coverage. Omega Car Care plans also have allowances for maintenance such as oil changes, brakes pads and shoes, battery replacement and safety inspections.

Omega Auto Care

Zurich Vehicle Service Contract

Zurich Vehicle Service Contract offers five levels of coverage for cars, motorcycles and powersports vehicles. Plans include 24/7 roadside assistance, rental car coverage and trip interruption reimbursement. Customers can opt into premium plans to get coverage for suspension, steering and various systems. Zurich Vehicle Service Contract’s plans are transferable to a new owner.

Zurich Vehicle Service Contract

AUL Corp.

AUL Corp. offers coverage for a vehicle of any year, any mileage and any make and model. The company provides a wide range of plans, from essentials-only to exclusionary and custom plans. Essential plans include engine, turbocharger, transmission, transaxle and transfer case, all-wheel/four-wheel drive, seals and gaskets, power steering and basic electrical systems. All AUL Corp. plans include towing, flat tire change, fuel delivery, key lockout help, battery jump and rental car service.

AUL Corp.

American Auto Shield

American Auto Shield offers extended warranty plans for cars, motorcycles, ATVs and dirt bikes. Coverage is available for cars up to 250,000 miles. Contract benefits include roadside assistance, rental car coverage and trip interruption service. You can add luxury electronics coverage to certain plans. American Auto Shield provides coverage for rideshare vehicles.

American Auto Shield