CARCHEX Car Warranty Review

Rating: 9.8 / 10 (Excellent)
11 Customer Comments & Reviews - see all comments
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Carchex is a Maryland-based provider of car warranties. Established in 1999, the company has grown 358% in he last three years and now ranks 1,161 in the Inc. Magazine 5000. The company offers flexible, customizable coverage options and delivers quotes upon the completion of a web form.

How is Carchex rated?


Service Contract
Claims & Repairs

Overall Rating: 9.8 / 10 (Excellent)

Carchex is one of the older players in the automobile warranty/service plan industry. It has an excellent reputation and has allied itself with other reputable firms. It offers consumers a number of options and coverage levels, which enables them to purchase the coverage which best suits their wallets and their vehicles.

Coverage Overview

Key Facts

Plan Types
Powertrain Coverage
Named Component Coverage
Exclusionary Coverage
Types of Vehicles Covered

Coverage - 10 / 10

Carchex uses an exclusionary contract - that is, one that covers everything except specifically excluded vehicle components and systems. Exclusionary contracts are generally less ambiguous and more comprehensive than other types of agreements. The company also offers different levels of coverage, which gives consumers the option of spending more or less for greater or lesser coverage.
Limit of Liability: Single Claim Limit - the trade-in value of the vehicle; Aggregate Limit - the vehicle purchase price or the NADA retail value of the vehicle at the time of the current repair.

What does Carchex cover?

Powertrain Coverage

  • Engine
  • Transmission
  • Drive Axle Assembly

Specialty Coverage

  • Commercial / Business Use
  • Hybrid / Electric Vehicle Components
  • Windshield Repair
  • Key Loss / Damage Protection
  • Factory Navigational System
  • High Tech Electronic Components

Component Coverage

  • Factory Air Conditioner
  • Brakes
  • Engine Cooling System
  • Electrical Components
  • Front & Rear Suspension
  • Fuel System
  • Steering

Additional Benefits

  • Substitute Transportation
  • Trip Interruption
  • Roadside Assistance


For a full list of Carchex exclusions, check out this page.

Claims & Repairs


Deductible Options
$50, $100, $200
Maintenance Records Required for Service?
Waiting Period
30 days and 1,000 miles

Repairs & Service

Repair Facility Selection
In-Network Only
Number of Mechanics

Claims & Repairs - 9 / 10

Like many of its competitors, Carchex requires that diagnoses and repairs be performed by ASE-certified mechanics. Unlike some of its competitors, Carchex does not reserve the right to supply covered replacement parts. This benefits the consumer, since it eliminates any incentive the company might have to supply substandard parts.

Carchex Service Contract

Contract Details

Contract Length
7 years; vehicle age, mileage, state, and other restrictions may apply
Vehicle Inspection Required for Contract?
Transferability of Warranty?

Sample Contract

Carchex provides a sample contract for potential customers on its website: Carchex Sample Contract

Service Contract - 10 / 10

The company publishes a sample of its contract and does not require prospective customers to supply any information in order to access it. Unlike some of its competitors, Carchex does not require consumers to submit disputes to arbitration.

Company Reputation

Company Details

Year Founded
Vehicle Protection Association Member?

Customer Reviews

TrustPilot Rating
8.6 out of 10
BBB Rating
BBB Positive Reviews
BBB Neutral Reviews
BBB Negative Reviews
Date Collected

Reputation - 10 / 10

With over 18 years of experience, Carchex is one of the older firms in the extended warranty business. The company is accredited by the BBB and enjoys an A+ rating. Unusually, the company has more positive BBB reviews than negative ones, and has been responsive to consumer complaints. It also has partnership agreements with highly-regarded insurers, publishers, car rental agencies, and other firms.

Contact & Additional Information

Homepage URL
Company Phone
(877) 227-2439
Headquarters Address
118 Shawan Road, Suite 210, Baltimore, MD, 21030
Mailing Address
118 Shawan Road, Suite 210, Baltimore, MD, 21030

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11 Customer Comments & Reviews

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Kate E
Madison Heights, Michigan
Their contract states they cover the steering rack, tie rods and stabilizer links and bushings but when they all broke Carchex refused to pay the repair bill of over $3,500. They claimed all of these must have been pre-existing. I called repeatedly to try and get this resolved and was placed on hold immediately after calling. I would be on hold for 20-30 minutes and then sent to voicemail. I left numerous voicemails that were never returned. It is extremely frustrating to pay over $200 a month for the most comprehensive plan and have them deny the claims! And if you want to cancel, good luck! They'll keep auto debiting your account even after leaving multiple messages telling... Read More

Top Rated
Our Partner
9.8 / 10
  • Wide selection of extended warranty plans
  • 150,000 miles
  • 10 year vehicles
  • Corporate credit card payments
  • 30 day money back guarantee
  • Deductibles