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CARCHEX Review 2023

Michael Graw

In a Nutshell

CARCHEX is an online broker that matches you with an extended car warranty policy. With these policies, your car is protected against the unexpected expense of mechanical failures, and you don’t have to pay for repairs out of pocket. CARCHEX works with several protection plan providers to get you the right policy for your vehicle, and coverage terms of up to 10 years are available. The company also offers simple payment plans.


  • Coverage available for vehicles with up to 250,000 miles
  • Wide selection of plans ranging from 12-84 months
  • A+ Rated and Accredited by the BBB


  • Does not administer policies directly
  • Fee for transferring your policy



CARCHEX has hundreds of different vehicle protection plans that are split into 5 coverage levels: Bronze, Silver, Gold, Platinum, and Titanium. These plans are not administered by CARCHEX directly, but rather are offered by insurance companies like American Auto Shield, Royal Administration Services, and Allegiance.

Coverage Level
Years of Coverage
Coverage Overview
Up to 6
Coverage for only the most basic, essential components
Up to 7
Coverage for essential systems, similar to an enhanced powertrain plan
Up to 10
Coverage for most major vehicle systems with flexible terms
Up to 10
Comprehensive stated-component coverage
Up to 10
Exclusionary coverage, similar to a bumper-to-bumper warranty

As a result, there’s no easy way to know what parts are covered by any plans within a coverage tier. You’ll need to contact CARCHEX for more information about your specific options.

One thing that is standard across all CARCHEX plans is 24/7 roadside assistance. This includes towing, car rental, trip interruption, and gas delivery, no matter what plan you choose.

Optional Add-Ons

CARCHEX offers optional add-ons for its extended warranty plans. Contact CARCHEX for more information.

Plan Exclusions

Exclusions from your coverage will vary based on your policy and provider. CARCHEX offers coverage for vehicles with up to 250,000 miles on the odometer.

CARCHEX Plan Pricing

You’ll need to contact CARCHEX for a quote to get information about plan pricing. Prices can vary widely within coverage tiers, coverage terms, and mileage options since plans are offered by different providers and are priced based on year, make, model. Broadly speaking, expect to pay between $200 and $750 per year in premiums depending on your coverage level and the condition of your vehicle.

CARCHEX does offer payment plans, enabling you to pay for your plan in installments over 6, 12, 18, or 24 months. In addition, all plans come with a 30-day money-back guarantee, and you can cancel your plan at any time for a prorated refund.

How to file a claim with CARCHEX 

When your car breaks down or you need a repair, you can bring it to any licensed repair shop in the US. All CARCHEX plans pay the repair shop directly, so the only money you need to pay out of pocket is your deductible.

The process for filing a claim will depend on the specific company that administers your plan. For most providers CARCHEX works with, you can simply provide the repair shop with your warranty plan information and they’ll contact your plan provider directly for payment.


CARCHEX  is accredited by the Better Business Bureau and has an A+ rating with the agency. The company also has over 1,400 reviews on Trustpilot, 73% of which are 5-star reviews.

What’s Unique About CARCHEX?

What makes CARCHEX unique is that instead of offering just a few extended warranty policies with limited options, the company serves as a broker to connect you with several different warranty providers. The result is that CARCHEX offers hundreds of different coverage plans, enabling you to choose the plan that best suits your needs. While this does mean you’ll need to call to get more information about the many options available, CARCHEX’s sales team is very knowledgeable about what each plan includes.

Help and Support

CARCHEX’s customer service team is available by phone and live chat 9AM–9PM (ET) Monday-Friday and 10AM-7PM Saturday. We got in touch by live chat and were connected with an agent in under a minute. CARCHEX also has an FAQs page on its site that explains more about how extended auto warranties work.


Bottom Line

CARCHEX offers hundreds of different extended auto warranty plans from several insurance providers. The wide selection enables you to choose the plan that’s best suited for your car’s needs and the coverage term that’s right for you. All plans include 24/7 roadside assistance. You can pay for plans in up to 24 monthly installments and you’re covered by CARCHEX’s 30-day money-back guarantee.

Frequently Asked Questions
Can I transfer a CARCHEX warranty+-

All CARCHEX warranty policies are transferable if you sell your vehicle for a $50 processing fee.

Does CARCHEX offer zero-dollar deductible plans?+-

Yes, CARCHEX offers some extended warranty plans with no deductible. Whether you qualify for a zero-deductible plan depends on your vehicle and budget.

Can I get a CARCHEX quote online?+-

You must contact a CARCHEX representative by phone or live chat to get a quote for an extended warranty policy.

Michael Graw is a freelance writer specializing in finance, business, and tech who writes for His work has appeared in numerous well-known online and print publications, including Techradar, BestMoney, Business2Community, Day Trade Reviews, Pacific Standard, Fortune, Business Insider, and more.

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