Are you considering purchasing a Toyota extended warranty? In this article, our review team discusses the details of Toyota’s extended warranty plans and how these plans compare to other leading warranty providers. We will also explain the benefits of purchasing a third-party extended warranty over a manufacturer extended warranty.
Toyota Extended Warranty:
A Toyota extended warranty exceeds the 3-year/36,000-mile bumper-to-bumper warranty that protects new Toyotas from manufacturing defects. The company offers additional protection for up to 10 years/125,000 miles.
To see how Toyota’s coverage compares to top third-party companies, check out our review of the best extended auto warranty providers in the industry. You can get a free, personalized quote from our first choice Endurance below.
| Best Coverage | Best Service | Best Budget Warranty |
 |  |  |
| Endurance | CARCHEX | CarShield |
| ★★★★★ | ★★★★★ | ★★★★ |
| Get Quote | Get Quote | Get Quote |
| (877) 374-1840 | (866) 254-0205 | (800) 563-2761 |
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Table of contents
Do You Need Extended Warranty Coverage?
If you can’t afford costly repairs to your vehicle, purchasing an extended warranty can be a smart decision. Some common repairs cost $1,000 or more, which can put a big dent in your budget. With an extended warranty, you can generally make monthly payments and only pay a deductible for service.
The table below shows the cost of some expensive Toyota RAV4 repairs according to RepairPal.
| Toyota RAV4 Repairs | Cost |
|---|---|
| Fuel level sending unit replacement | $779 – $2,308 |
| Heater core replacement | $786 – $1,147 |
| Head gasket replacement | $1,122 – $1,608 |
| Axle/half-shaft replacement | $504 – $1,382 |
| Steering rack replacement | $1367- $2,123 |
Toyota Reliability
As a brand, Toyotas are very reliable. J.D. Power’s 2020 U.S. Vehicle Dependability StudySM ranked Toyota the fifth most reliable automobile manufacturer. Lexus, Toyota’s luxury vehicle division, ranked second in the study.
Similarly, RepairPal ranked Toyota as the seventh most reliable car manufacturer in its most recent reliability ratings. Drivers pay an average of $441 each year for maintenance and repairs, which is lower than the industry average of $652.
While Toyotas have a great reputation for reliability, they are far from immune to expensive repairs. Some Toyota vehicles may require one or more of the repairs seen in the table above. As with any vehicle brand or model, if you cannot afford a costly repair, it is still a good idea to purchase an extended auto warranty.
Toyota Factory and Certified Pre-Owned Warranties
Before buying an extended warranty for your Toyota, it is smart to consider how much of your Toyota factory warranty or certified pre-owned warranty is left on your vehicle. If your car is still under Toyota’s bumper-to-bumper warranty, then you might consider waiting until it is near the end of that coverage before purchasing an extended warranty. Toyota’s bumper-to-bumper warranty is known as its Basic Coverage, and that level of coverage is very comprehensive.
If your vehicle has already passed or is coming to the end of its coverage period, now is a good time to purchase an extended warranty. Below are details on Toyota’s factory warranty for new vehicles and certified pre-owned vehicles:
| Basic Coverage | Powertrain Coverage | Rust-Through Coverage | Hybrid Battery Warranty | |
|---|---|---|---|---|
| Toyota Manufacturer Warranty | 3 years/36,000 miles | 5 years/60,000 miles | 5 years/unlimited miles | 10 years/150,000 miles (started in 2020) |
| Toyota Certified Pre-Owned Warranty | 1 year/12,000 miles from date of pre-owned purchase | 7 years/100,000 miles from date of pre-owned purchase | No additional coverage from manufacturer warranty | 8 years/100,000 miles from original in-service date |
Toyota Extended Warranty Overview
Toyota offers three different extended warranty plans: Platinum Protection, Gold Protection, and Powertrain Protection. Platinum offers coverage similar to a bumper-to-bumper warranty, while Powertrain covers only a vehicle’s essential systems like the engine, transmission, and axle assembly.
The maximum coverage term of each Toyota extended warranty plan depends on whether your Toyota is new or used.
| New Toyotas | Used Toyotas | |
|---|---|---|
| Platinum Protection | 10 years/125,000 miles | 5 years/60,000 miles |
| Gold Protection | 8 years/125,000 miles | 5 years/60,000 miles |
| Powertrain Protection | 6 years/100,000 miles | 2 years/24,000 miles |
Below is a table breaking down the coverage that each Toyota plan offers. For every repair visit, you will owe a $100 deductible for service. If you take your Toyota to be repaired at the same facility at which you purchased your extended warranty, you may be eligible for your deductible to be decreased over time.
| Powertrain | Gold | Platinum | |
|---|---|---|---|
| Engine | 10 years/120,000 miles | 10 years/120,000 miles | 10 years/120,000 miles |
| Manual Transmission | ✓ | ✓ | ✓ |
| Automatic Transmission | ✓ | ✓ | ✓ |
| Hybrid/Alternative Fuel | ✓ | ✓ | ✓ |
| Axle Assembly | ✓ | ✓ | ✓ |
| Brakes | ✓ | ✓ | |
| Electrical | ✓ | ✓ | |
| Computer and Electronics | ✓ | ✓ | |
| Rear Suspension | ✓ | ✓ | |
| Fuel System | ✓ | ✓ | |
| Electrical System | ✓ | ✓ | |
| Fuel System | ✓ | ✓ | |
| Cooling System | ✓ | ✓ | |
| Suspension | ✓ | ✓ | |
| Steering | ✓ | ✓ | |
| Air Conditioning/Heating | ✓ | ✓ | |
| Additional Components | ✓ |
What’s Not Included
As with all extended warranties, a Toyota extended warranty does not cover regular wear and tear and routine maintenance items. For example, your oil changes and tire rotations are expenses you will still be responsible for. In addition, a Toyota extended warranty does not cover repairs at any repair shop you may like. Instead, you must bring your vehicle to a Toyota dealership each time for service.
Additional Perks
Toyota extended warranty plans come with these features:
- 24/7 roadside assistance for one year
- Reimbursement for vehicle rentals, meals, and lodging
- Access to the nationwide Toyota service network and service by factory-trained technicians
- Ability to transfer coverage from the original owner to a private party once at no cost
- Disappearing deductible if repairs are made at the dealership that originally sold you the extended warranty
Toyota’s benefits are decent but are not nearly as good as those of some extended warranty companies, such as Endurance. Endurance’s Elite Membership includes a personal concierge assistant, reimbursement for tire repairs or replacements, a $250 voucher, and many other benefits.
Benefits of a Third-Party Extended Warranty
A third-party extended warranty is one that is sold by an extended warranty company rather than an automobile manufacturer. While a manufacturer extended warranty has the advantage of supplying parts for repairs directly from the manufacturer, the cost of this type of extended warranty is typically high. Extended warranties that are not from manufacturers are generally more affordable, while providing the same or even better levels of coverage and benefits.
Check out the table below comparing an Endurance warranty with a Toyota extended warranty. As you can see, Endurance provides more coverage levels, longer terms, and the ability to start your extended warranty at any time. In addition, the repair network is broader than it is with a Toyota extended warranty.
| Toyota Extended Warranty | Endurance Extended Warranty | |
|---|---|---|
| Coverage Start Date | Upon expiration of factory warranty | Anytime |
| Longest Term | 125,000 miles | 200,000 miles |
| Levels of Coverage | 3 | 5 |
| Deductible | $0 to $100 | $0, $50, $100, or $200 |
| Where to Get Repairs | Toyota dealerships | Any US or Canadian repair facility certified by the National Institute for Automotive Service Excellence (ASE) |
| Transferability | ✓ | ✓ |
| Cancellation | Refund available within 30 days | Refund available within 30 days |
| Roadside Assistance | ✓ | ✓ |
| Rental Car Reimbursement | ✓ | ✓ |
| Availability | Purchase from Toyota dealerships | Get Quote |
Toyota Extended Warranty Cost
The cost of a Toyota extended warranty depends on several factors, including the mileage and age of your vehicle. For example, an extended warranty for a new Toyota will cost much less than an extended warranty for a Toyota with over 60,000 miles.
The cost also depends on whether the extended warranty is purchased through a Toyota dealership or an extended warranty company. Money Crashers estimates that an extended warranty from a car manufacturer costs approximately $1,000 to $1,500.
This can be higher than purchasing an extended warranty from a company like Endurance. In addition to the lower overall cost of a third-party extended warranty, if you’re financing your vehicle and buy a Toyota extended warranty, the cost of your warranty might be added to the cost of your vehicle. In that case, you would be paying interest on your extended car warranty.
Conclusion
For most drivers, it makes sense to purchase a Toyota extended warranty. The manufacturer will cover you for up to 10 years/125,000 miles and provide perks like roadside assistance. Third-party companies like Endurance and CarShield offer similar levels of coverage and service for an affordable price.
If you’re currently shopping for an extended car warranty, we recommend getting quotes from multiple providers so you can compare coverage and rates. You can get free quotes from our top four choices here:
| Best Coverage | Best Service | Best Budget Warranty |
|
|
|
| Endurance | CARCHEX | CarShield |
| ★★★★★ | ★★★★★ | ★★★★ |
| Get Quote | Get Quote | Get Quote |
| (877) 374-1840 | (866) 254-0205 | (800) 563-2761 |