CarShield Reviews and Ratings for 2025

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<script type="application/ld+json" id="article-schema">{ "@context": "https:\/\/schema.org", "@type": "Article", "publisher": { "@type": "Organization", "name": "MarketWatch - Guides" }, "name": "CarShield Review", "headline": "CarShield Reviews and Ratings for 2025", "description": "While CarShield recently ranked among our top five recommended extended vehicle protection providers, we\u2019ve re-evaluated the company based on its recent settlement with the FTC.", "image": "https:\/\/d2tez01fe91909.cloudfront.net\/wp-content\/uploads\/2022\/01\/carshield-reviews_AdobeStock_bilanol.jpeg", "datePublished": "2023-01-19T16:02:26-05:00", "dateModified": "2024-11-07T13:03:00-05:00", "author": [ { "@type": "Person", "name": "Daniel Robinson", "url": "https:\/\/www.marketwatch.com\/author\/daniel-robinson\/" } ], "editor": [ { "@type": "Person", "name": "Catey Hill", "url": "https:\/\/www.marketwatch.com\/author\/catey-hill\/" } ] }</script> <script type="application/ld+json" 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we\u2019ve re-evaluated the company based on its recent settlement with the FTC.", "review": { "@type": "Review", "reviewBody": "A reputable extended warranty provider with industry-low rates.", "reviewRating": { "@type": "Rating", "ratingValue": "8.1", "bestRating": 10, "worstRating": "1" }, "author": [ { "@type": "Person", "name": "Daniel Robinson", "url": "https:\/\/www.marketwatch.com\/author\/daniel-robinson\/" } ], "positiveNotes": { "@type": "ItemList", "itemListElement": [ { "@type": "ListItem", "position": 1, "name": "<p>Fast and easy claims<\/p>\n" }, { "@type": "ListItem", "position": 2, "name": "<p>Low-cost monthly plans<\/p>\n" }, { "@type": "ListItem", "position": 3, "name": "<p>Wide repair network<\/p>\n" }, { "@type": "ListItem", "position": 4, "name": "<p>Coverage for high-mileage vehicles<\/p>\n" }, { "@type": "ListItem", "position": 5, "name": "<p>24\/7 roadside assistance<\/p>\n" } ] }, "negativeNotes": { "@type": "ItemList", "itemListElement": [ { "@type": 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Road safety and insurance concept." decoding="async" fetchpriority="high" srcset="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2022/01/carshield-reviews_AdobeStock_bilanol.jpeg 1280w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2022/01/carshield-reviews_AdobeStock_bilanol-300x169.jpeg 300w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2022/01/carshield-reviews_AdobeStock_bilanol-1024x576.jpeg 1024w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2022/01/carshield-reviews_AdobeStock_bilanol-768x432.jpeg 768w" sizes="(max-width: 1280px) 100vw, 1280px" /></noscript> <div class="gradient-overlay" aria-hidden="true"> </div> </div> <div class="wrapper"> <div class="c-article-hero-top text-light"> <nav class="c-breadcrumbs "> <a href="https://www.marketwatch.com">MarketWatch</a> <a href="https://www.marketwatch.com/guides/">Guides</a> <a href="https://www.marketwatch.com/guides/car-warranty/">Car Warranty</a> </nav> <div class="hero-top-buttons"> <button type="button" class="compliance-disclosure-trigger" aria-controls="modal-compliance-disclosure"> Advertiser Disclosure </button> <div role="dialog" id="modal-compliance-disclosure" class="c-modal modal-compliance-disclosure" aria-modal="true" aria-labelledby="compliance-disclosure-title" > <div class="backdrop" aria-hidden="true" data-modal-close> </div> <div class="box"> <button type="button" class="close" data-modal-close> <div aria-hidden="true"></div> <div aria-hidden="true"></div> </button> <div class="content"> <span id="compliance-disclosure-title" class="title"> Advertiser Disclosure </span> <div class="wysiwyg"><p>MarketWatch Guides may receive compensation from companies that appear on this page. The compensation may impact how, where and in what order products appear, but it does not influence the recommendations the editorial team provides. Not all companies, products, or offers were reviewed.</p> </div> </div> </div> </div> <a href="mailto:editors@marketwatchguides.com?subject=In response to: CarShield Review&body=https://www.marketwatch.com/guides/car-warranty/carshield-reviews/" target="_blank" rel="noopener noreferrer" class="editorial-contact-button"> Contact Us</a> </div> </div> <div class="grid"> <div class="c-article-hero-content text-light"> <h1>CarShield Review</h1> <span class="last-update"> <b>Last Updated:</b> <span itemprop="dateModified">Nov 7, 2024</span> </span> <div class="text wysiwyg"> <span style="font-weight: 400;">While CarShield recently ranked among our top five recommended extended vehicle protection providers, we’ve re-evaluated the company based on its recent settlement with the FTC</span></p> </div> </div> <div class="box"> </div> </div> </div> </div> <div class="c-article-overview with-background"> <div class="wrapper"> <div class="bar with-dropdown"> <div class="authors"> <div class="author"> <div class="c-picture author-photo"> <img width="38" height="38" src="data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAJYAAACWAQAAAAAUekxPAAAAAnRSTlMAAHaTzTgAAAAaSURBVEjH7cExAQAAAMKg9U9tDQ+gAACAdwMLuAABXZHjmQAAAABJRU5ErkJggg==" class="attachment-38x38 size-38x38 lazyload ewww_webp_lazy_load" alt="Daniel Robinson headshot" loading="lazy" decoding="async" data-src="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/03/Daniel-R-150x150.jpg" data-eio-rwidth="150" data-eio-rheight="150" data-src-webp="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/03/Daniel-R-150x150.jpg.webp" /><noscript><img width="38" height="38" src="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/03/Daniel-R-150x150.jpg" class="attachment-38x38 size-38x38" alt="Daniel Robinson headshot" loading="lazy" decoding="async" data-eio="l" /></noscript> </div> <div class="author-info"> <span class="author-prefix">Principal Researcher</span> <span class="author-name"> <a href="https://www.marketwatch.com/author/daniel-robinson/" target="_blank" class="author-name"> Daniel Robinson </a> <span class="c-author-box"> <span class="author-box-top"> <div class="c-picture author-box-photo"> <img width="65" height="65" src="data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAJYAAACWAQAAAAAUekxPAAAAAnRSTlMAAHaTzTgAAAAaSURBVEjH7cExAQAAAMKg9U9tDQ+gAACAdwMLuAABXZHjmQAAAABJRU5ErkJggg==" class="attachment-65x65 size-65x65 lazyload ewww_webp_lazy_load" alt="Daniel Robinson headshot" loading="lazy" decoding="async" data-src="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/03/Daniel-R-150x150.jpg" data-eio-rwidth="150" data-eio-rheight="150" data-src-webp="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/03/Daniel-R-150x150.jpg.webp" /><noscript><img width="65" height="65" src="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/03/Daniel-R-150x150.jpg" class="attachment-65x65 size-65x65" alt="Daniel Robinson headshot" loading="lazy" decoding="async" data-eio="l" /></noscript> <a href="https://www.marketwatch.com/author/daniel-robinson/" aria-label="Learn more about Daniel Robinson" title="Learn more about Daniel Robinson" class="c-link "> Learn more about Daniel Robinson</a> </div> <span> <span class="author-box-prefix"> Principal Researcher </span> <a class="author-box-name" href="https://www.marketwatch.com/author/daniel-robinson/" target="_blank">Daniel Robinson</a> <span class="author-box-roles">Principal Researcher</span> </span> </span> <span class="author-box-description"><p><span style="font-weight: 400;">Daniel Robinson is a writer based in Greenville, N.C. with expertise in auto insurance, loans, warranty options and more. Away from the keyboard, Daniel spends time with his wife and son, plays guitar and obsesses over the Beatles and Baltimore Orioles.</span></p> </span> </span> </span> </div> </div> <div class="author"> <div class="c-picture author-photo"> <img width="38" height="38" src="data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAJYAAACWAQAAAAAUekxPAAAAAnRSTlMAAHaTzTgAAAAaSURBVEjH7cExAQAAAMKg9U9tDQ+gAACAdwMLuAABXZHjmQAAAABJRU5ErkJggg==" class="attachment-38x38 size-38x38 lazyload ewww_webp_lazy_load" alt="Headshot of Catey Hill" loading="lazy" decoding="async" data-src="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2025/01/Catey-Hill-Headshot-150x150.jpeg" data-srcset="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2025/01/Catey-Hill-Headshot-150x150.jpeg 150w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2025/01/Catey-Hill-Headshot-300x300.jpeg 300w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2025/01/Catey-Hill-Headshot.jpeg 400w" data-sizes="auto" data-eio-rwidth="150" data-eio-rheight="150" data-src-webp="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2025/01/Catey-Hill-Headshot-150x150.jpeg.webp" data-srcset-webp="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2025/01/Catey-Hill-Headshot-150x150.jpeg.webp 150w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2025/01/Catey-Hill-Headshot-300x300.jpeg.webp 300w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2025/01/Catey-Hill-Headshot.jpeg.webp 400w" /><noscript><img width="38" height="38" src="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2025/01/Catey-Hill-Headshot-150x150.jpeg" class="attachment-38x38 size-38x38" alt="Headshot of Catey Hill" loading="lazy" decoding="async" srcset="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2025/01/Catey-Hill-Headshot-150x150.jpeg 150w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2025/01/Catey-Hill-Headshot-300x300.jpeg 300w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2025/01/Catey-Hill-Headshot.jpeg 400w" sizes="(max-width: 38px) 100vw, 38px" data-eio="l" /></noscript> </div> <div class="author-info"> <span class="author-prefix">Editor</span> <span class="author-name"> <a href="https://www.marketwatch.com/author/catey-hill/" target="_blank" class="author-name"> Catey Hill </a> </span> </div> </div> </div> <button class="dropdown-trigger" aria-expanded="false" aria-controls="article-authors-dropdown"> <span> Our Research Process <svg viewBox="0 0 19 11" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M17.2686 1.5L9.26855 9.5L1.26855 1.5" stroke="currentColor" stroke-width="1.68067" stroke-linecap="round" stroke-linejoin="round"/> </svg> </span> </button> </div> </div> <div id="article-authors-dropdown" class="dropdown " > <div class="mobile-authors"> <div class="author"> <div class="c-picture author-photo"> <img width="38" height="38" src="data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAJYAAACWAQAAAAAUekxPAAAAAnRSTlMAAHaTzTgAAAAaSURBVEjH7cExAQAAAMKg9U9tDQ+gAACAdwMLuAABXZHjmQAAAABJRU5ErkJggg==" class="attachment-38x38 size-38x38 lazyload ewww_webp_lazy_load" alt="Headshot of Catey Hill" loading="lazy" decoding="async" data-src="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2025/01/Catey-Hill-Headshot-150x150.jpeg" data-srcset="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2025/01/Catey-Hill-Headshot-150x150.jpeg 150w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2025/01/Catey-Hill-Headshot-300x300.jpeg 300w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2025/01/Catey-Hill-Headshot.jpeg 400w" data-sizes="auto" data-eio-rwidth="150" data-eio-rheight="150" data-src-webp="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2025/01/Catey-Hill-Headshot-150x150.jpeg.webp" data-srcset-webp="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2025/01/Catey-Hill-Headshot-150x150.jpeg.webp 150w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2025/01/Catey-Hill-Headshot-300x300.jpeg.webp 300w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2025/01/Catey-Hill-Headshot.jpeg.webp 400w" /><noscript><img width="38" height="38" src="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2025/01/Catey-Hill-Headshot-150x150.jpeg" class="attachment-38x38 size-38x38" alt="Headshot of Catey Hill" loading="lazy" decoding="async" srcset="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2025/01/Catey-Hill-Headshot-150x150.jpeg 150w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2025/01/Catey-Hill-Headshot-300x300.jpeg 300w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2025/01/Catey-Hill-Headshot.jpeg 400w" sizes="(max-width: 38px) 100vw, 38px" data-eio="l" /></noscript> </div> <div class="author-info"> <span class="author-prefix">Editor</span> <span class="author-name"> <a href="https://www.marketwatch.com/author/catey-hill/" target="_blank" class="author-name"> Catey Hill </a> </span> </div> </div> </div> <hr /> <div class="additional-information"> <div class="content"> <div class="title">Our Research Process</div> <div class="text wysiwyg"> <p>Here’s a breakdown of how we reviewed and rated the top auto warranty providers</p> <a href="https://www.marketwatch.com/guides/reviews-team/" aria-label="Learn more about MarketWatch Guides" title="Learn more about MarketWatch Guides" class="c-link "> Learn more about MarketWatch Guides</a> </div> </div> <div class="stats"> <div class="stat"> <span class="value">41</span> <span class="description"> Providers <span class="description-last-word"> Reviewed <div class="c-tooltip " tabindex="0"> <span class="tooltip-trigger"> <svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 512 512"><path d="M256 32a224 224 0 1 1 0 448 224 224 0 1 1 0-448zm0 480A256 256 0 1 0 256 0a256 256 0 1 0 0 512zM208 352c-8.8 0-16 7.2-16 16s7.2 16 16 16h96c8.8 0 16-7.2 16-16s-7.2-16-16-16H272V240c0-8.8-7.2-16-16-16H216c-8.8 0-16 7.2-16 16s7.2 16 16 16h24v96H208zm48-168a24 24 0 1 0 0-48 24 24 0 1 0 0 48z" fill="currentColor" /></svg> <div class="c-tooltip-content">Our team looked at dozens of auto warranty providers on the market, including top choices such as Endurance, Olive, CarShield and autopom!</div> </span> </div> </span> </span> </div> <div class="stat"> <span class="value">2,215</span> <span class="description"> Data Points <span class="description-last-word"> Analyzed <div class="c-tooltip " tabindex="0"> <span class="tooltip-trigger"> <svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 512 512"><path d="M256 32a224 224 0 1 1 0 448 224 224 0 1 1 0-448zm0 480A256 256 0 1 0 256 0a256 256 0 1 0 0 512zM208 352c-8.8 0-16 7.2-16 16s7.2 16 16 16h96c8.8 0 16-7.2 16-16s-7.2-16-16-16H272V240c0-8.8-7.2-16-16-16H216c-8.8 0-16 7.2-16 16s7.2 16 16 16h24v96H208zm48-168a24 24 0 1 0 0-48 24 24 0 1 0 0 48z" fill="currentColor" /></svg> <div class="c-tooltip-content">We evaluate thousands of data points including plan costs, warranty plan inclusions and exclusions, customer reviews and more to determine the best car warranty companies.</div> </span> </div> </span> </span> </div> <div class="stat"> <span class="value">4,000</span> <span class="description"> Customers <span class="description-last-word"> Surveyed <div class="c-tooltip " tabindex="0"> <span class="tooltip-trigger"> <svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 512 512"><path d="M256 32a224 224 0 1 1 0 448 224 224 0 1 1 0-448zm0 480A256 256 0 1 0 256 0a256 256 0 1 0 0 512zM208 352c-8.8 0-16 7.2-16 16s7.2 16 16 16h96c8.8 0 16-7.2 16-16s-7.2-16-16-16H272V240c0-8.8-7.2-16-16-16H216c-8.8 0-16 7.2-16 16s7.2 16 16 16h24v96H208zm48-168a24 24 0 1 0 0-48 24 24 0 1 0 0 48z" fill="currentColor" /></svg> <div class="c-tooltip-content">We surveyed thousands of customers about their auto warranty experiences in order to get a deeper understanding of how customers feel about each company, what's most important in the purchasing process and more.</div> </span> </div> </span> </span> </div> <div class="stat"> <span class="value">505</span> <span class="description"> Research <span class="description-last-word"> Hours <div class="c-tooltip " tabindex="0"> <span class="tooltip-trigger"> <svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 512 512"><path d="M256 32a224 224 0 1 1 0 448 224 224 0 1 1 0-448zm0 480A256 256 0 1 0 256 0a256 256 0 1 0 0 512zM208 352c-8.8 0-16 7.2-16 16s7.2 16 16 16h96c8.8 0 16-7.2 16-16s-7.2-16-16-16H272V240c0-8.8-7.2-16-16-16H216c-8.8 0-16 7.2-16 16s7.2 16 16 16h24v96H208zm48-168a24 24 0 1 0 0-48 24 24 0 1 0 0 48z" fill="currentColor" /></svg> <div class="c-tooltip-content">Our team spent hundreds of hours getting warranty quotes, reading customer reviews and reviewing the fine print of warranty contracts to help customers make informed decisions.</div> </span> </div> </span> </span> </div> </div> </div> </div> </div> <div class="c-article-body"> <div class="wrapper"> <nav class="c-toc-sidebar"> <strong class="toc-heading">In this Guide:</strong> <button class="toc-toggler"> <span class="c-toc-tracker"> <svg viewBox="0 0 17 13" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M0.5 1.37996C0.5 1.29509 0.533714 1.2137 0.593724 1.15369C0.653735 1.09368 0.735127 1.05997 0.819995 1.05997H14.8998C14.9846 1.05997 15.066 1.09368 15.126 1.15369C15.1861 1.2137 15.2198 1.29509 15.2198 1.37996C15.2198 1.46483 15.1861 1.54622 15.126 1.60623C15.066 1.66624 14.9846 1.69996 14.8998 1.69996H0.819995C0.735127 1.69996 0.653735 1.66624 0.593724 1.60623C0.533714 1.54622 0.5 1.46483 0.5 1.37996ZM0.819995 6.81988H6.5799C6.66477 6.81988 6.74616 6.78616 6.80618 6.72615C6.86619 6.66614 6.8999 6.58475 6.8999 6.49988C6.8999 6.41501 6.86619 6.33362 6.80618 6.27361C6.74616 6.2136 6.66477 6.17989 6.5799 6.17989H0.819995C0.735127 6.17989 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5.73517C10.8165 5.2138 11.5177 4.91186 12.2548 4.89136C12.9918 4.87086 13.7087 5.13337 14.2583 5.62495C14.8078 6.11654 15.1482 6.79989 15.2097 7.53466C15.2711 8.26942 15.0489 8.99982 14.5886 9.57583L16.4061 11.3934C16.4359 11.4231 16.4595 11.4584 16.4756 11.4973C16.4917 11.5361 16.5 11.5777 16.5 11.6198C16.5 11.6619 16.4917 11.7035 16.4756 11.7423C16.4595 11.7812 16.4359 11.8165 16.4061 11.8462ZM12.3398 10.0198C12.7828 10.0198 13.2159 9.88845 13.5843 9.64232C13.9526 9.39619 14.2397 9.04636 14.4093 8.63706C14.5788 8.22776 14.6232 7.77738 14.5367 7.34287C14.4503 6.90836 14.237 6.50923 13.9237 6.19597C13.6104 5.8827 13.2113 5.66937 12.7768 5.58294C12.3423 5.49651 11.8919 5.54087 11.4826 5.7104C11.0733 5.87994 10.7235 6.16704 10.4774 6.5354C10.2312 6.90376 10.0998 7.33684 10.0998 7.77986C10.0998 8.37394 10.3358 8.94368 10.7559 9.36376C11.176 9.78383 11.7457 10.0198 12.3398 10.0198Z" fill="#2E2E2E" stroke="#2E2E2E" stroke-width="0.5"/> </svg> <span data-heading="In This Guide" data-toc-tracker>In This Guide</span> </span> </button> <div class="c-toc-items columns-1"> <a href="#toc-carshield-review-our-ratings" class=" active" data-text="CarShield Review: Our Ratings">CarShield Review: Our Ratings</a> <a href="#toc-about-carshield" class=" " data-text="About CarShield">About CarShield</a> <a href="#toc-carshield-customer-reviews-and-ratings" class=" " data-text="CarShield Customer Reviews and Ratings">CarShield Customer Reviews and Ratings</a> <a href="#toc-carshield-rates-and-pricing" class=" " data-text="CarShield Rates and Pricing">CarShield Rates and Pricing</a> <a href="#toc-coverage-and-plans" class=" " data-text="Coverage and Plans">Coverage and Plans</a> <a href="#toc-who-accepts-carshield" class=" " data-text="Who Accepts CarShield?">Who Accepts CarShield?</a> <a href="#toc-carshield-review-the-bottom-line" class=" " data-text="CarShield Review: The Bottom Line">CarShield Review: The Bottom Line</a> <a href="#toc-carshield-vehicle-service-contracts-faq" class="indent-1 " data-text="CarShield Vehicle Service Contracts: FAQ">CarShield Vehicle Service Contracts: FAQ</a> <a href="#toc-our-methodology-how-we-rated-carshield" class="indent-1 " data-text="Our Methodology: How We Rated CarShield">Our Methodology: How We Rated CarShield</a> </div> </nav> <div class="gutenberg-wrapper"> <div class="gutenberg"> <section class="b-auto-disclaimer"> <div class="wrapper"> <div class="box"> <p><strong>Did You Know?</strong> Auto manufacturers offer protection against mechanical breakdowns through extended car warranties. While similar coverage from third parties is available, this coverage is technically considered a vehicle service contract. Many consumers and third-party companies commonly use these terms interchangeably, so we’ve done the same in this article.</p> </div> </div> </section> <section class="b-key-takeaways background-light-green"> <div class="wrapper"> <div class="title">Key Takeaways</div> <div class="text wysiwyg"> <ul> <li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Most CarShield plans range </span><b>between $110 and $150 per month</b><span style="font-weight: 400;">, depending on the deductible and level of coverage you choose.</span></li> <li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">CarShield offers eight extended vehicle protection plans, including six levels of coverage for gas-powered passenger vehicles, one for fully electric vehicles and a specialized plan for motorcycles and all-terrain vehicles (ATVs).</span></li> <li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">In July 2024, CarShield paid a settlement of $10 million to the Federal Trade Commission (FTC) over charges of deceptive advertising, highlighting the company’s recent tendency toward unwarranted claim denials.</span></li> </ul> </div> </div> </section> <p>CarShield is one of the most well-known vehicle service contract providers in the industry. While CarShield offers a strong lineup of coverage options for affordable rates, many drivers may have concerns after the company’s recent FTC settlement.</p> <p>In this article, we at the MarketWatch Guides team examine CarShield’s reviews from customers, its vehicle service contract options and its response to charges of deceptive advertising. To help you make an informed coverage purchase, we discuss some of the <a href="https://www.marketwatch.com/guides/car-warranty/best-car-warranty-companies/">best extended protection plan</a><a href="https://www.marketwatch.com/guides/car-warranty/best-car-warranty-companies/" target="_blank" rel="noopener"> companies</a> as well.</p> <section class="b-more-articles"> <div class="wrapper"> <button aria-expanded="false" aria-controls="67b27eda6b202-articles"> <span> More Auto Warranty Articles <i></i> </span> </button> <div id="67b27eda6b202-articles" class="articles" style="display: none"> <a href="https://www.marketwatch.com/guides/car-warranty/best-car-warranty/" target="_blank" class="article">Best Car Warranty: Factory and Third-Party Plans</a> <a href="https://www.marketwatch.com/guides/car-warranty/best-car-warranty-companies/" target="_blank" class="article">Best Car Warranty Companies</a> <a href="https://www.marketwatch.com/guides/car-warranty/best-used-car-warranty/" target="_blank" class="article">Best Used Car Warranty Companies</a> <a href="https://www.marketwatch.com/guides/car-warranty/warranty-check-by-vin/" target="_blank" class="article">Warranty Check by VIN</a> <a href="https://www.marketwatch.com/guides/car-warranty/extended-car-warranty-cost/" target="_blank" class="article">How Much Does An Extended Warranty Cost?</a> </div> </div> </section> <p>Learn more about our <a href="https://www.marketwatch.com/guides/car-warranty/car-warranty-review-methodology/" target="_blank" rel="noopener">methodology</a> and <a href="https://www.marketwatch.com/guides/editorial-guidelines/" target="_blank" rel="noopener">editorial guidelines</a>.</p> <h2 class="wp-block-heading" id="toc-carshield-review-our-ratings">CarShield Review: Our Ratings</h2> <p>In our 2024 review of vehicle service contract providers, we initially ranked CarShield 8.9 out of 10. This score was based on the company’s coverage selection, low prices, month-to-month contracts and coverage for motorcycles, ATVs and electric vehicles. However, the company’s pattern of mixed customer reviews and recent charges of deceptive advertising have led us to decrease CarShield’s overall rating to<strong> 8.1 out of 10</strong>.</p> <div class="infogram-embed" data-id="6933e4b6-f593-4a82-ae74-2e03ddd47d96" data-type="interactive" data-title="CarShield Warranty Ratings - Auto Warranty"></div><script type="pmdelayedscript" data-cfasync="false" data-no-optimize="1" data-no-defer="1" data-no-minify="1">!function(e,n,i,s){var d="InfogramEmbeds";var o=e.getElementsByTagName(n)[0];if(window[d]&&window[d].initialized)window[d].process&&window[d].process();else if(!e.getElementById(i)){var r=e.createElement(n);r.async=1,r.id=i,r.src=s,o.parentNode.insertBefore(r,o)}}(document,"script","infogram-async","https://e.infogram.com/js/dist/embed-loader-min.js");</script> <h3 class="wp-block-heading subheading">Pros and Cons of CarShield</h3> <section class="b-pros-and-cons"> <div class="wrapper"> <div class="pros-and-cons columns"> <div class="pros"> <div class="title"><i></i> Pros</div> <div class="pro wysiwyg"><ul> <li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Low-cost monthly plans</span></li> <li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Wide repair network</span></li> <li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Coverage for high-mileage and electric vehicles</span></li> <li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">24/7 roadside assistance</span></li> </ul> </div> </div> <div class="cons"> <div class="title"><i></i> Cons</div> <div class="con wysiwyg"><ul> <li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Settled with the FTC over charges of deceptive advertising</span></li> <li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Poor Better Business Bureau (BBB) customer rating</span></li> <li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Not all plans are transferable</span></li> <li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Doesn’t offer a maintenance coverage option</span></li> </ul> </div> </div> </div> </div> </section> <hr class="wp-block-separator has-alpha-channel-opacity"/> <h2 class="wp-block-heading" id="toc-about-carshield">About CarShield</h2> <p><strong>Year founded:</strong> 2005<br><strong>Company headquarters:</strong> St. Peters, Mo.<br><strong>Total coverage levels:</strong> Eight</p> <p>As one of the nation’s most popular third-party vehicle protection plan providers, CarShield stands out for its month-to-month contracts, flexible plans, benefits and deductible options.</p> <p>Since CarShield acts as a vehicle service contract broker, its <a href="https://www.marketwatch.com/guides/car-warranty/best-extended-car-warranty/" target="_blank" rel="noopener">vehicle protection plans</a> are administered by American Auto Shield. This partnership allows the provider to offer various coverage options. CarShield currently offers more coverage options than many companies, including specialty coverage for electronic components, <a href="https://www.marketwatch.com/guides/car-warranty/carshield-motorcycle-and-atv-coverage/" target="_blank" rel="noopener">all-terrain vehicles (ATVs) and motorcycles</a>.</p> <h3 class="wp-block-heading subheading">About the CarShield FTC Settlement</h3> <p>In July 2024, the Federal Trade Commission announced that CarShield agreed to <a href="https://www.ftc.gov/news-events/news/press-releases/2024/07/carshield-nationwide-seller-vehicle-service-contracts-pay-10-million-resolve-federal-trade" target="_blank" rel="noreferrer noopener">a settlement of $10 million</a> in response to charges of deceptive advertising.</p> <p>In the extended vehicle protection industry, complaints that focus on coverage denials are common. Often, more customers with negative experiences take time to leave online feedback, so these reviews alone don’t necessarily reflect a company’s dependability as a coverage provider. However, CarShield’s high volume of negative reviews focusing on a consistent denial of coverage is what ultimately triggered an FTC inquiry into the company.</p> <p>Ultimately, the FTC found that CarShield had misrepresented its coverage and customer base through misleading celebrity advertisements. CarShield also failed to fully disclose contract details — including exclusions and coverage terms and conditions — before customers bought one of the company’s coverage options.</p> <p>In response to the FTC announcing the settlement, CarShield representatives <a href="https://carshieldftc.com/" target="_blank" rel="noreferrer noopener">issued a statement</a> saying that while CarShield did not agree with the FTC complaint, the company is committed to improving communication with its customers.</p> <p>The end result of the FTC settlement is that CarShield is prohibited from failing to disclose coverage terms and conditions during select telemarketing functions. Further, CarShield is barred from misrepresenting customer experiences in direct advertisements or advertisements published by third-party marketers.</p> <hr class="wp-block-separator has-alpha-channel-opacity"/> <h2 class="wp-block-heading" id="toc-carshield-customer-reviews-and-ratings">CarShield Customer Reviews and Ratings</h2> <p>Like most independent protection plan providers, CarShield reviews are mixed. While some positive reviews talk about pleasant interactions with customer service staff, negative reviews mention claims being repeatedly denied and cars sitting in repair shops for weeks.</p> <p><strong>Read more: </strong><a href="https://www.marketwatch.com/guides/car-warranty/is-carshield-legit/" target="_blank" rel="noreferrer noopener">Is CarShield Legit?</a></p> <h3 class="wp-block-heading subheading">CarShield Ratings</h3> <p>CarShield has mixed ratings across review sites. On Google, the company has a <a href="https://www.google.com/search?q=carshield+st+peters+mo&rlz=1C5CHFA_enUS956US956&oq=carshield+st+peters+mo&gs_lcrp=EgZjaHJvbWUqCggAEAAY4wIYgAQyCggAEAAY4wIYgAQyDQgBEC4YrwEYxwEYgAQyCAgCEAAYFhgeMggIAxAAGBYYHjIICAQQABgWGB4yCggFEAAYhgMYigUyCggGEAAYhgMYigXSAQgyNTM1ajBqN6gCALACAA&sourceid=chrome&ie=UTF-8#lrd=0x87ded7beabb9a585:0x7bff38cbb6536a72,1,,,," target="_blank" rel="noreferrer noopener">4.3-star rating</a> out of 5 from over 15,000 reviewers. The provider has similar scoring on Trustpilot, where it has a <a href="https://www.trustpilot.com/review/carshield.com" target="_blank" rel="noreferrer noopener">4.3-star rating</a> out of 5 from more than 50,000 reviewers. We found that 68% of reviewers gave CarShield a 5-star rating, while 9% gave it a 4-star rating.</p> <p>The BBB itself gives CarShield an <a href="https://www.bbb.org/us/mo/saint-peters/profile/auto-service-contract-companies/carshield-0734-310030296" target="_blank" rel="noreferrer noopener">A+ rating</a>. Over 2,800 BBB customer reviews give the provider a 1.8-star rating out of 5, much lower than on Google and Trustpilot.</p> <h3 class="wp-block-heading subheading">CarShield Complaints</h3> <p>The company has received and closed nearly <a href="https://www.bbb.org/us/mo/saint-peters/profile/auto-service-contract-companies/carshield-0734-310030296" target="_blank" rel="noreferrer noopener">3,300 complaints</a> from customers on the BBB in the last three years. CarShield closed just over 1,000 of those complaints in the last year.</p> <p>We reached out to CarShield for comment on these scores. A representative responded that the number of complaints filed was small compared to the 1,118,000+ contracts sold by the provider.</p> <h3 class="wp-block-heading subheading">CarShield App</h3> <p>In addition to an online chat feature, CarShield contract holders have access to a mobile app that allows them to view contract details and information on claims, roadside assistance and customer service. The app has a <a href="https://apps.apple.com/us/app/carshield-mobile/id1223471816" target="_blank" rel="noreferrer noopener">3.2-star rating</a> on the App Store and a <a href="https://play.google.com/store/apps/details?id=com.carshield_mobile.app&hl=en_US&gl=US" target="_blank" rel="noreferrer noopener">2.8-star rating</a> from Google Play.</p> <hr class="wp-block-separator has-alpha-channel-opacity"/> <h2 class="wp-block-heading" id="toc-carshield-rates-and-pricing">CarShield Rates and Pricing</h2> <p>Our editorial team reached out to <a href="https://www.marketwatch.com/guides/car-warranty/carshield-cost/" target="_blank" rel="noopener">CarShield for cost estimates</a> on a few vehicles and plans. We found that prices range from about <strong>$110 to $150 per month</strong> on average, depending on the deductible and plan level you choose.</p> <p>You can purchase a plan with a set term or a month-to-month contract. With a month-to-month vehicle service contract, the final price will depend on how long you maintain your plan.</p> <h4 class="wp-block-heading">CarShield Quotes</h4> <p>Here are some month-to-month quotes we received from CarShield:</p> <div class="c-gutenberg-table"> <figure class="wp-block-table"><table><thead><tr><th>Vehicle</th><th>CarShield Protection Plan</th><th>Monthly Payment</th><th>Discounted Monthly Payment</th><th>Deductible</th></tr></thead><tbody><tr><td>2021 Toyota Corolla</td><td>Diamond</td><td>$149.99</td><td>$109.99</td><td>$200</td></tr><tr class="even"><td>2021 Nissan Rogue</td><td>Diamond</td><td>$149.99</td><td>$119.99</td><td>$200</td></tr><tr><td>2016 Toyota Corolla</td><td>Gold</td><td>$149.99</td><td>N/A</td><td>$250</td></tr><tr class="even"><td>2016 Nissan Rogue</td><td>Gold</td><td>$149.99</td><td>N/A</td><td>$250</td></tr><tr><td>2016 Toyota Tacoma</td><td>Gold</td><td>$149.99</td><td>$119.99</td><td>$250</td></tr></tbody></table></figure> <div class="c-pagination hidden" data-per-page="10"> <button class="pagination-prev hidden"><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 320 512"><path d="M9.4 233.4c-12.5 12.5-12.5 32.8 0 45.3l192 192c12.5 12.5 32.8 12.5 45.3 0s12.5-32.8 0-45.3L77.3 256 246.6 86.6c12.5-12.5 12.5-32.8 0-45.3s-32.8-12.5-45.3 0l-192 192z" fill="currentColor" /></svg></button> <div> Page <span class="pagination-current">1</span> of <span class="pagination-total"></span> </div> <button class="pagination-next"><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 320 512"><path d="M310.6 233.4c12.5 12.5 12.5 32.8 0 45.3l-192 192c-12.5 12.5-32.8 12.5-45.3 0s-12.5-32.8 0-45.3L242.7 256 73.4 86.6c-12.5-12.5-12.5-32.8 0-45.3s32.8-12.5 45.3 0l192 192z" fill="currentColor" /></svg></button> </div> </div> <h4 class="wp-block-heading">CarShield Discounts</h4> <p>In our secret shopping, we found that CarShield offers a first-time caller discount, as well as a multi-car discount, which requires buying coverage for more than one vehicle.</p> <p><strong>Read more:</strong> <a href="https://www.marketwatch.com/guides/car-warranty/carshield-cost/" target="_blank" rel="noreferrer noopener">CarShield Cost</a></p> <h3 class="wp-block-heading subheading">Factors That Affect CarShield Rates and Pricing</h3> <p>Multiple factors influence the <a href="https://www.marketwatch.com/guides/car-warranty/extended-car-warranty-cost/">cost of extended vehicle protection</a>, including the coverage level, deductible and vehicle. Below is a breakdown of the factors that will impact how much you will pay for a vehicle service contract.</p> <div class="wp-block-image"> <figure class="aligncenter size-large"><img decoding="async" width="1024" height="410" src="data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAABAAAAAGaAQAAAAC5owysAAAAAnRSTlMAAHaTzTgAAABJSURBVHja7cEBAQAAAIIg/69uSEABAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAC8G86aAAEC3qdAAAAAAElFTkSuQmCC" alt="Horizontal Icons showing six factors that affect the costs of extended car warranties" class="wp-image-325038 lazyload ewww_webp_lazy_load" data-src="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2024/10/Extended-Warranty-Costs-Infographic-1024x410.jpg" data-srcset="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2024/10/Extended-Warranty-Costs-Infographic-1024x410.jpg 1024w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2024/10/Extended-Warranty-Costs-Infographic-300x120.jpg 300w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2024/10/Extended-Warranty-Costs-Infographic-768x307.jpg 768w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2024/10/Extended-Warranty-Costs-Infographic-1536x614.jpg 1536w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2024/10/Extended-Warranty-Costs-Infographic.jpg 1810w" data-sizes="auto" data-eio-rwidth="1024" data-eio-rheight="410" data-src-webp="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2024/10/Extended-Warranty-Costs-Infographic-1024x410.jpg.webp" data-srcset-webp="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2024/10/Extended-Warranty-Costs-Infographic-1024x410.jpg.webp 1024w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2024/10/Extended-Warranty-Costs-Infographic-300x120.jpg.webp 300w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2024/10/Extended-Warranty-Costs-Infographic-768x307.jpg.webp 768w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2024/10/Extended-Warranty-Costs-Infographic-1536x614.jpg.webp 1536w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2024/10/Extended-Warranty-Costs-Infographic.jpg.webp 1810w" /><noscript><img decoding="async" width="1024" height="410" src="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2024/10/Extended-Warranty-Costs-Infographic-1024x410.jpg" alt="Horizontal Icons showing six factors that affect the costs of extended car warranties" class="wp-image-325038" srcset="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2024/10/Extended-Warranty-Costs-Infographic-1024x410.jpg 1024w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2024/10/Extended-Warranty-Costs-Infographic-300x120.jpg 300w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2024/10/Extended-Warranty-Costs-Infographic-768x307.jpg 768w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2024/10/Extended-Warranty-Costs-Infographic-1536x614.jpg 1536w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2024/10/Extended-Warranty-Costs-Infographic.jpg 1810w" sizes="(max-width: 1024px) 100vw, 1024px" data-eio="l" /></noscript></figure></div> <hr class="wp-block-separator has-alpha-channel-opacity"/> <h2 class="wp-block-heading" id="toc-coverage-and-plans">Coverage and Plans</h2> <p>The parts covered by CarShield service contracts vary widely depending on the plan. Some options, like the Diamond plan, cover hundreds of parts across the vehicle, while others are more specific to components in the powertrain or electrical systems.</p> <div class="c-gutenberg-table"> <figure class="wp-block-table"><table><thead><tr><th>CarShield Plan</th><th>Plan Details</th></tr></thead><tbody><tr><td><a href="https://www.marketwatch.com/guides/car-warranty/carshield-diamond-coverage/" target="_blank" rel="noreferrer noopener">Diamond</a></td><td>Exclusionary plan that covers everything in your car but a small list of parts and components</td></tr><tr class="even"><td><a href="https://www.marketwatch.com/guides/car-warranty/carshield-platinum-coverage/" target="_blank" rel="noreferrer noopener">Platinum</a></td><td>Option for high-mileage vehicles that covers electrical systems, the water pump and the powertrain</td></tr><tr><td><a href="https://www.marketwatch.com/guides/car-warranty/carshield-gold-plan/" target="_blank" rel="noreferrer noopener">Gold</a></td><td>Limited coverage for parts across the vehicle including the powertrain, air conditioning and power windows</td></tr><tr class="even"><td>Gold Select</td><td>This is another plan that’s ideal for high-mileage vehicles — it covers the engine, transmission, water pump, alternator, starter, air conditioning and power windows</td></tr><tr><td><a href="https://www.marketwatch.com/guides/car-warranty/carshield-silver-plan/" target="_blank" rel="noreferrer noopener">Silver</a></td><td>Budget-friendly stated-coverage plan for the engine, transmission, cooling system and transfer case</td></tr><tr class="even"><td><a href="https://www.marketwatch.com/guides/car-warranty/carshield-aluminum-coverage/" target="_blank" rel="noreferrer noopener">Aluminum</a></td><td>Coverage for electrical and computer systems like the starter, alternator, navigation system and more</td></tr><tr><td><a href="https://www.marketwatch.com/guides/car-warranty/carshield-motorcycle-and-atv-coverage/" target="_blank" rel="noreferrer noopener">Motorcycle & ATV</a></td><td>Various levels of coverage for motorcycles, ATVs and other specialty vehicles</td></tr><tr class="even"><td><a href="https://www.marketwatch.com/guides/car-warranty/ev-extended-warranty/" target="_blank" rel="noreferrer noopener">Electric Vehicle Coverage</a></td><td>Designed for fully electric vehicles, this plan covers the electric drive unit, battery pack and more</td></tr></tbody></table><figcaption class="wp-element-caption"><em>*Not all vehicles are eligible for coverage with all plans.</em></figcaption></figure> <div class="c-pagination hidden" data-per-page="10"> <button class="pagination-prev hidden"><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 320 512"><path d="M9.4 233.4c-12.5 12.5-12.5 32.8 0 45.3l192 192c12.5 12.5 32.8 12.5 45.3 0s12.5-32.8 0-45.3L77.3 256 246.6 86.6c12.5-12.5 12.5-32.8 0-45.3s-32.8-12.5-45.3 0l-192 192z" fill="currentColor" /></svg></button> <div> Page <span class="pagination-current">1</span> of <span class="pagination-total"></span> </div> <button class="pagination-next"><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 320 512"><path d="M310.6 233.4c12.5 12.5 12.5 32.8 0 45.3l-192 192c-12.5 12.5-32.8 12.5-45.3 0s-12.5-32.8 0-45.3L242.7 256 73.4 86.6c-12.5-12.5-12.5-32.8 0-45.3s32.8-12.5 45.3 0l192 192z" fill="currentColor" /></svg></button> </div> </div> <p><strong>Read more:</strong> <a href="https://www.marketwatch.com/guides/car-warranty/carshield-coverage/" target="_blank" rel="noreferrer noopener">CarShield Coverage Plans</a></p> <h3 class="wp-block-heading subheading">What Isn’t Covered?</h3> <p>A CarShield contract won’t cover every repair for your car. They list several exclusions. Here are some exclusions that the company outlines in its service contracts:</p> <ul> <li>Repairs performed without prior authorization</li> <li>Damage from a lack of maintenance</li> <li>Pre-existing conditions</li> <li>Environmental damage, <a href="https://www.marketwatch.com/guides/insurance-services/does-car-insurance-cover-theft/" target="_blank" rel="noopener">theft or vandalism</a></li> <li>Vehicle alterations or modifications</li> <li>Misuse of the car such as racing or off-roading</li> <li>Damage from normal wear and tear</li> <li>Odometer tampering</li> </ul> <h3 class="wp-block-heading subheading">Additional Benefits</h3> <p>In addition to covering car repairs, CarShield plans come with added perks, including:</p> <ul> <li><strong>24-hour roadside assistance:</strong> This service includes towing, jump-starts, tire changes, locksmith services and fuel delivery.</li> <li><strong>Trip interruption:</strong> If you’re over 100 miles away from home and your car breaks down, CarShield will reimburse you up to a certain amount for lodging and restaurant expenses.</li> <li><strong>Rental car reimbursement:</strong> If your car is in the shop for a covered repair, CarShield will reimburse you up to a certain amount for either a rental car or rideshare expenses.</li> </ul> <h3 class="wp-block-heading subheading">CarShield Policy: Terms and Conditions</h3> <p>The list below contains helpful information about policies that are common across CarShield’s offerings:</p> <ul> <li><strong>Mileage limit:</strong> CarShield will cover vehicles with up to 300,000 miles. The company’s high mileage limit separates it from competition in terms of used vehicle coverage.</li> <li><strong>Waiting period:</strong> CarShield’s waiting period for coverage is 30 days and 1,000 miles or 90 days and 200 miles after purchase. This policy is designed to protect CarShield from covering a repair that the customer knew about prior to purchasing coverage. When signing with CarShield, representatives will take note of prior problems. Note that the waiting period for the ATV and motorcycle and EV coverage is different.</li> <li><strong>Transfer policy:</strong> If you sell your vehicle while it still has coverage, you may be able to transfer the policy depending on your contract. Those who are eligible can pay a $50 administrative fee to have it transferred.</li> </ul> <hr class="wp-block-separator has-alpha-channel-opacity"/> <h2 class="wp-block-heading" id="toc-who-accepts-carshield">Who Accepts CarShield?</h2> <p>If you find yourself in need of auto repairs while your car is under contract, you can take your vehicle to either the dealership or a repair facility certified by the National Institute for Automotive Service Excellence (ASE<sup>®</sup>) for covered repairs.</p> <p>The ASE is an organization that tries to improve how well your vehicle is repaired. It certifies repair shops all over the country and ensures that your vehicle is in good hands at any certified location.</p> <h3 class="wp-block-heading subheading">CarShield Claims</h3> <p>Here are the steps you will need to take to file a claim with CarShield:</p> <ul> <li>Take the vehicle to a mechanic within CarShield’s network</li> <li>Give the repair shop your contract information and allow them to give CarShield’s claims department a phone call</li> <li>Wait while the claims adjuster reviews the mechanical breakdown and repair</li> <li>If approved, you’ll pay your deductible and the administrator will pay the mechanic directly</li> </ul> <hr class="wp-block-separator has-alpha-channel-opacity"/> <h2 class="wp-block-heading" id="toc-carshield-review-the-bottom-line">CarShield Review: The Bottom Line</h2> <p>In this review, we talked about CarShield’s prices, coverage plans and more. While CarShield doesn’t have the highest ratings from customer reviews, it still remains one of the most affordable vehicle service contract providers. To reflect the company’s recent feedback from customers and industry watchdogs, however, we lowered CarShield’s rating to 8.1 out of 10.</p> <p>When shopping for a vehicle protection plan, it’s worth visiting CarShield.com or contacting a customer service representative for a free quote. However, we also recommend <a href="https://www.marketwatch.com/guides/car-warranty/car-warranty-quotes/" target="_blank" rel="noopener">comparing quotes</a> from multiple providers to find the best cost and coverage for you. You can compare CarShield with two of our most highly rated providers below.</p> <h3 class="wp-block-heading subheading">CarShield Competitors</h3> <p>Our experts have ranked and reviewed the most reputable extended car coverage companies on the market and found that Endurance and Carchex are excellent choices. Both also offer similar levels of coverage to CarShield.</p> <h4 class="wp-block-heading">Endurance: Best Comprehensive Coverage</h4> <p>Endurance is a direct administrator, meaning it handles all aspects of your service contract and cuts out middlemen to keep costs low. Trustpilot gives Endurance <a href="https://www.trustpilot.com/review/endurancewarranty.com" target="_blank" rel="noreferrer noopener">3.6 out of 5 stars</a>, and we give the provider a 9.3 out of 10 overall, a 9.7 for its coverage options and a 7.8 for customer experience. We gave the provider our Best Comprehensive Coverage award due to the exhaustive protection it offers.</p> <p>Endurance offers unlimited mileage on its six plans. These include the Supreme plan, which is comparable to a <a href="https://www.marketwatch.com/guides/car-warranty/factory-warranty/" target="_blank" rel="noopener">manufacturer’s warranty</a> in terms of coverage, and the Secure plan, which offers affordable powertrain coverage.</p> <p><strong>Read more:</strong> <a href="https://www.marketwatch.com/guides/car-warranty/endurance-warranty-reviews/" target="_blank" rel="noreferrer noopener">Endurance Review</a></p> <h4 class="wp-block-heading">Carchex: Best Industry Reputation</h4> <p>Carchex is a good option for owners of used cars, since it offers plans that last up to 250,000 miles on cars up to 20 years old. The company also holds an <a href="https://www.bbb.org/us/md/hunt-valley/profile/extended-warranty-contract-service-companies/carchex-0011-23015869" target="_blank" rel="noreferrer noopener">A+ rating</a> from the BBB and has endorsements from respected industry brands like Carfax, Kelley Blue Book and RepairPal, which earned it our Best Industry Reputation award.</p> <p><strong>Read more:</strong> <a href="https://www.marketwatch.com/guides/car-warranty/carchex-reviews/" target="_blank" rel="noreferrer noopener">Carchex Review</a></p> <h3 class="wp-block-heading subheading" id="toc-carshield-vehicle-service-contracts-faq">CarShield Vehicle Service Contracts: FAQ</h3> <p>Below are some frequently asked questions about CarShield.</p> <section class="b-accordion"> <div class="wrapper"> <div class="c-accordion style-default"> <div class="accordion-item"> <div class="accordion-trigger-wrapper"> <button type="button" aria-expanded="false" class="accordion-trigger" aria-controls="67b27eda73b42-accordion-content-0" id="67b27eda73b42-accordion-trigger-0"> <span> <h4 class="accordion-trigger-text">Is CarShield worth buying?</h4> <span class="accordion-trigger-icon"><svg viewBox="0 0 19 11" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M17.2686 1.5L9.26855 9.5L1.26855 1.5" stroke="currentColor" stroke-width="1.68067" stroke-linecap="round" stroke-linejoin="round"/> </svg></span> </span> </button> </div> <div id="67b27eda73b42-accordion-content-0" role="region" aria-labelledby="67b27eda73b42-accordion-trigger-0" class="accordion-content " ><div class="wysiwyg"><p><span style="font-weight: 400;">CarShield costs can be worth it for drivers looking for affordable extended protection plans. Prices vary by car and coverage level, but most plans cost around $149.99 per month.</span></p> </div></div> </div> <div class="accordion-item"> <div class="accordion-trigger-wrapper"> <button type="button" aria-expanded="false" class="accordion-trigger" aria-controls="67b27eda73b42-accordion-content-1" id="67b27eda73b42-accordion-trigger-1"> <span> <h4 class="accordion-trigger-text">How does CarShield work?</h4> <span class="accordion-trigger-icon"><svg viewBox="0 0 19 11" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M17.2686 1.5L9.26855 9.5L1.26855 1.5" stroke="currentColor" stroke-width="1.68067" stroke-linecap="round" stroke-linejoin="round"/> </svg></span> </span> </button> </div> <div id="67b27eda73b42-accordion-content-1" role="region" aria-labelledby="67b27eda73b42-accordion-trigger-1" class="accordion-content " ><div class="wysiwyg"><p><span style="font-weight: 400;">CarShield provides extended vehicle protection for used and new cars. As an independent broker, CarShield markets and sells vehicle service contracts (VSCs) and works with another company (often American Auto Shield) for contract administration. VSCs are like extended warranties in that they agree to fix failing mechanical components within a time or mileage limit.</span></p> </div></div> </div> <div class="accordion-item"> <div class="accordion-trigger-wrapper"> <button type="button" aria-expanded="false" class="accordion-trigger" aria-controls="67b27eda73b42-accordion-content-2" id="67b27eda73b42-accordion-trigger-2"> <span> <h4 class="accordion-trigger-text">What are the cons of CarShield?</h4> <span class="accordion-trigger-icon"><svg viewBox="0 0 19 11" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M17.2686 1.5L9.26855 9.5L1.26855 1.5" stroke="currentColor" stroke-width="1.68067" stroke-linecap="round" stroke-linejoin="round"/> </svg></span> </span> </button> </div> <div id="67b27eda73b42-accordion-content-2" role="region" aria-labelledby="67b27eda73b42-accordion-trigger-2" class="accordion-content " ><div class="wysiwyg"><p><span style="font-weight: 400;">One con of CarShield is that it has highly mixed customer reviews across multiple rating sites. Out of more than 50,000 reviews on Trustpilot, 77% are positive. However, there are over 3,000 complaints on the BBB website, with a score of 1.8 out of 5 stars. Complaints are about claims being repeatedly denied and cars sitting in repair shops for weeks.</span></p> </div></div> </div> <div class="accordion-item"> <div class="accordion-trigger-wrapper"> <button type="button" aria-expanded="false" class="accordion-trigger" aria-controls="67b27eda73b42-accordion-content-3" id="67b27eda73b42-accordion-trigger-3"> <span> <h4 class="accordion-trigger-text">Does CarShield have any good reviews?</h4> <span class="accordion-trigger-icon"><svg viewBox="0 0 19 11" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M17.2686 1.5L9.26855 9.5L1.26855 1.5" stroke="currentColor" stroke-width="1.68067" stroke-linecap="round" stroke-linejoin="round"/> </svg></span> </span> </button> </div> <div id="67b27eda73b42-accordion-content-3" role="region" aria-labelledby="67b27eda73b42-accordion-trigger-3" class="accordion-content " ><div class="wysiwyg"><p><span style="font-weight: 400;">Yes. CarShield reviews are generally good on Trustpilot. CarShield also has fair ratings across other sites. Out of more than 50,000 reviews on Trustpilot, 77% are positive, so the site gives CarShield a star rating of 4.3 out of 5.</span></p> </div></div> </div> <div class="accordion-item"> <div class="accordion-trigger-wrapper"> <button type="button" aria-expanded="false" class="accordion-trigger" aria-controls="67b27eda73b42-accordion-content-4" id="67b27eda73b42-accordion-trigger-4"> <span> <h4 class="accordion-trigger-text">Is CarShield a ripoff?</h4> <span class="accordion-trigger-icon"><svg viewBox="0 0 19 11" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M17.2686 1.5L9.26855 9.5L1.26855 1.5" stroke="currentColor" stroke-width="1.68067" stroke-linecap="round" stroke-linejoin="round"/> </svg></span> </span> </button> </div> <div id="67b27eda73b42-accordion-content-4" role="region" aria-labelledby="67b27eda73b42-accordion-trigger-4" class="accordion-content " ><div class="wysiwyg"><p><span style="font-weight: 400;">CarShield has an above-average number of complaints compared to other extended vehicle service contract providers, many focused on denied claims and poor customer service. As a result of these complaints, the FTC launched an inquiry into CarShield regarding deceptive advertising practices. In July 2024, CarShield, in tandem with American Auto Shield, agreed to pay $10 million to settle the charges. CarShield also issued a statement indicating its commitment to improving transparency and the customer experience. The company maintains a good reputation according to some online platforms like Trustpilot.</span></p> </div></div> </div> <div class="accordion-item"> <div class="accordion-trigger-wrapper"> <button type="button" aria-expanded="false" class="accordion-trigger" aria-controls="67b27eda73b42-accordion-content-5" id="67b27eda73b42-accordion-trigger-5"> <span> <h4 class="accordion-trigger-text">Does CarShield have a deductible?</h4> <span class="accordion-trigger-icon"><svg viewBox="0 0 19 11" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M17.2686 1.5L9.26855 9.5L1.26855 1.5" stroke="currentColor" stroke-width="1.68067" stroke-linecap="round" stroke-linejoin="round"/> </svg></span> </span> </button> </div> <div id="67b27eda73b42-accordion-content-5" role="region" aria-labelledby="67b27eda73b42-accordion-trigger-5" class="accordion-content " ><div class="wysiwyg"><p><span style="font-weight: 400;">CarShield has deductible options of $0, $50, $100, $200 and $250. </span></p> </div></div> </div> <div class="accordion-item"> <div class="accordion-trigger-wrapper"> <button type="button" aria-expanded="false" class="accordion-trigger" aria-controls="67b27eda73b42-accordion-content-6" id="67b27eda73b42-accordion-trigger-6"> <span> <h4 class="accordion-trigger-text">Who owns CarShield?</h4> <span class="accordion-trigger-icon"><svg viewBox="0 0 19 11" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M17.2686 1.5L9.26855 9.5L1.26855 1.5" stroke="currentColor" stroke-width="1.68067" stroke-linecap="round" stroke-linejoin="round"/> </svg></span> </span> </button> </div> <div id="67b27eda73b42-accordion-content-6" role="region" aria-labelledby="67b27eda73b42-accordion-trigger-6" class="accordion-content " ><div class="wysiwyg"><p><span style="font-weight: 400;">Mark Travis is the owner of CarShield after founding the company in 2005.</span></p> </div></div> </div> <div class="accordion-item"> <div class="accordion-trigger-wrapper"> <button type="button" aria-expanded="false" class="accordion-trigger" aria-controls="67b27eda73b42-accordion-content-7" id="67b27eda73b42-accordion-trigger-7"> <span> <h4 class="accordion-trigger-text">Why is CarShield not available in California?</h4> <span class="accordion-trigger-icon"><svg viewBox="0 0 19 11" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M17.2686 1.5L9.26855 9.5L1.26855 1.5" stroke="currentColor" stroke-width="1.68067" stroke-linecap="round" stroke-linejoin="round"/> </svg></span> </span> </button> </div> <div id="67b27eda73b42-accordion-content-7" role="region" aria-labelledby="67b27eda73b42-accordion-trigger-7" class="accordion-content " ><div class="wysiwyg"><p><span style="font-weight: 400;">California has strict laws when it comes to extended warranties, so CarShield is not available in the state.</span></p> </div></div> </div> </div> </div> </section> <h3 class="wp-block-heading subheading" id="toc-our-methodology-how-we-rated-carshield">Our Methodology: How We Rated CarShield</h3> <p>Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best extended car warranty companies. We collected data on dozens of auto warranty providers to grade the companies on a wide range of ranking factors. The end result was an overall rating for each provider, with the companies that scored the most points topping the list.</p> <p>Here are the factors our ratings take into account:</p> <ul> <li><strong>Coverage (30% of total score)</strong>: Companies that offer a variety of choices for warranty coverage, long contract terms and added benefits are more likely to meet consumer needs.</li> <li><strong>Cost (30% of total score)</strong>: Auto warranty companies with affordable rates and multiple deductibles score highest in this category.</li> <li><strong>Transparency (20% of total score)</strong>: This score is based on contract transparency and the availability of a money-back guarantee.</li> <li><strong>Reputation (10% of total score)</strong>: Our research team considers availability, ratings from industry experts and years in business when conferring this score.</li> <li><strong>Customer Experience (10% of total score)</strong>: Based on customer satisfaction ratings and our extensive shopper analysis, we consider the responsiveness, friendliness and helpfulness of each warranty company’s customer service team.</li> </ul> <p>Our credentials:</p> <ul> <li><strong>500+ hours </strong>researched</li> <li><strong>40+ companies </strong>reviewed</li> <li><strong>2,000+ consumers </strong>surveyed</li> </ul> <p><em>*Data accurate at time of publication.</em></p> </div> <div class="c-article-contact-banner wysiwyg"> <p><em>If you have feedback or questions about this article, please email our team at </em><i><a href="mailto:editors@marketwatchguides.com?subject=In response to: CarShield Review&body=https://www.marketwatch.com/guides/car-warranty/carshield-reviews/" target="_blank" rel="noopener noreferrer" aria-haspopup="menu">editors@marketwatchguides.<wbr />com</a></i><i>.</i></p> </div> </div> </div> </div> <div class="c-article-body-authors"> <div class="wrapper"> <span class="heading">Meet the Team</span> <div class="authors columns-2"> <div class="author"> <div class="author-top" aria-controls="author-0-content" aria-expanded="false" role="button"> <div class="c-picture author-photo"> <img width="50" height="50" src="data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAJYAAACWAQAAAAAUekxPAAAAAnRSTlMAAHaTzTgAAAAaSURBVEjH7cExAQAAAMKg9U9tDQ+gAACAdwMLuAABXZHjmQAAAABJRU5ErkJggg==" class="attachment-50x50 size-50x50 lazyload ewww_webp_lazy_load" alt="Daniel Robinson headshot" loading="lazy" decoding="async" data-src="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/03/Daniel-R-150x150.jpg" data-eio-rwidth="150" data-eio-rheight="150" data-src-webp="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/03/Daniel-R-150x150.jpg.webp" /><noscript><img width="50" height="50" src="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/03/Daniel-R-150x150.jpg" class="attachment-50x50 size-50x50" alt="Daniel Robinson headshot" loading="lazy" decoding="async" data-eio="l" /></noscript> <a href="https://www.marketwatch.com/author/daniel-robinson/" aria-label="Learn more about Daniel Robinson" title="Learn more about Daniel Robinson" class="c-link "> Learn more about Daniel Robinson</a> </div> <div> <span class="author-name">Daniel Robinson</span> <span class="author-roles">Principal Researcher</span> </div> <svg viewBox="0 0 19 11" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M17.2686 1.5L9.26855 9.5L1.26855 1.5" stroke="currentColor" stroke-width="1.68067" stroke-linecap="round" stroke-linejoin="round"/> </svg> </div> <div id="author-0-content" class="author-content"> <div class="author-description wysiwyg"> <p><span style="font-weight: 400;">Daniel Robinson is a writer based in Greenville, N.C. with expertise in auto insurance, loans, warranty options and more. Away from the keyboard, Daniel spends time with his wife and son, plays guitar and obsesses over the Beatles and Baltimore Orioles.</span></p> </div> <a class="author-permalink" href="https://www.marketwatch.com/author/daniel-robinson/"> Learn more about Daniel Robinson </a> </div> </div> <div class="author"> <div class="author-top" aria-controls="author-1-content" aria-expanded="false" role="button"> <div class="c-picture author-photo"> <img width="50" height="50" src="data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAJYAAACWAQAAAAAUekxPAAAAAnRSTlMAAHaTzTgAAAAaSURBVEjH7cExAQAAAMKg9U9tDQ+gAACAdwMLuAABXZHjmQAAAABJRU5ErkJggg==" class="attachment-50x50 size-50x50 lazyload ewww_webp_lazy_load" alt="Headshot of Catey Hill" loading="lazy" decoding="async" data-src="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2025/01/Catey-Hill-Headshot-150x150.jpeg" data-srcset="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2025/01/Catey-Hill-Headshot-150x150.jpeg 150w, 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CarShield Reviews and Ratings for 2025