A Toyota extended warranty can keep you covered after your original warranty expires. Depending on the age of your car and the plan you select, a Toyota extended warranty can last for as long as 10 years or 125,000 miles and cost an average of $1,500 to $2,500.

We hear a lot about extended warranties these days—especially from the other end of a spam call! But what exactly does an extended warranty from Toyota entail? Is this additional extent of coverage from this warranty worth the price?

If you’re looking for details on Toyota’s extended warranty,

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, the trusted insurance shopping app, has created a guide to help you decide if purchasing one is right for you. Plus, our

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Toyota insurance costs

, including costs for coverage that may help protect what a warranty can’t.

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Overview: what is a Toyota extended warranty?

A factory warranty will usually be included in the total cost of your vehicle when you purchase a new car. That warranty serves as a promise from the manufacturer that they will cover the cost of certain repairs up until the date or mileage marker that the agreement expires.

Toyota’s factory warranty includes both basic coverage for 36 months or 36,000 miles and powertrain coverage for 60 months or 60,000 miles—whichever comes first.

Beyond this, an extended warranty, also known as a service agreement or

vehicle service contract

, extends that coverage beyond the original factory warranty. Toyota offers three plans for an extended warranty for both new and used cars and just one option for Certified Pre-Owned Toyota vehicles.

You can purchase an extended warranty from Toyota when you buy your new car or anytime before the original factory warranty expires. If you are looking for extended coverage for your used vehicle, your car must be manufactured within the last decade and have fewer than 150,000 total miles under its belt.

MORE:

How to choose between a car warranty and car insurance

Toyota Vehicle Service Plans (VSP): coverage and cost

Toyota offers three different Vehicle Service Plans (VSPs), each with different levels of coverage. You can purchase them from dealerships, who can also tell you what options are available depending on if you have a new,

certified pre-owned

(CPO), or used Toyota vehicle.

Powertrain Plan: This plan covers up to six years and 100,000 miles and covers most of the major components, like the engine, transmission, and axles.

Gold Plan: The Gold Plan offers coverage terms that range from three years and 50,000 miles to eight years and 125,000 miles. This plan covers all of the parts in the powertrain plan, as well as components like air conditioning, brakes, and electrical.

Platinum Plan: The most robust plan in the Toyota extended warranty line-up, the Platinum Plan is available from three years and 50,000 miles to 10 years and 125,000 miles and includes all of the parts covered by the Gold Plan, plus additional and more high-tech components.

If you need a repair while covered by your Toyota Vehicle Service Plan you can take your vehicle to any Toyota dealership, and they will review your warranty. With most repairs, there may be a small $100 deductible, but if you go to the same dealership where you purchased your car, there may be no deductible at all.

Your Toyota extended warranty covers more than just repairs, it also includes 24/7

roadside assistance

and a one-time transfer of your warranty if you sell your car. Plus, an extended warranty factors in trip interruption coverage if you break down far from your home and

rental car reimbursement

while your car is in the shop for a warranty repair.

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What’s covered

Before you choose the Toyota extended warranty that's right for you, you’ll need to know exactly what each plan covers.

The most basic plan, the Powertrain Plan, will cover just the most essential mechanical parts of your car. While that doesn’t include as many as the other two plans, it does cover many of your vehicle’s most expensive parts. This plan covers:

Engine

Manual transmission

Automatic transmission

Transmission case

Axle assembly

Hybrid/alternative fuel

Oil pan and pump

While it may not be the most extensive plan in the lineup, it can still save you a ton of money when it comes time for a repair. For instance, if your engine requires a fix, it can cost you anywhere between $2,500 and $4,000. That cost can be significantly reduced when under warranty.

The next plan up is the Gold Plan, which covers quite a bit more than the Powertrain Plan. Right after comes the most extensive, the Platinum Plan. Both plans cover:

Powertrain (Engine, transmission, axle assemble, hybrid/alternative fuel)

Brake components (e.g. calipers, master cylinder, and springs)

Suspension (e.g. struts, ball joints, bushings)

Air conditioning and heating (e.g. A/C compressor and condenser)

Electrical components (e.g. starter motor, ignition, and speedometer/odometer)

Steering

Fuel System

Electronics

The main difference between the Platinum and Gold warranties is that the Platinum package pretty much covers everything that the Gold Package doesn’t. That means it's the highest level of protection offered by Toyota, including paying for parts and labor for engine, transmission, cooling, radiator, electrical, and more.

	Powertrain Plan	Gold Plan	Platinum Plan
Engine	X	X	X
Transmission	X	X	X
Axle Assembly	X	X	X
Fuel System	X	X	X
Suspension	-	X	X
Brakes	-	X	X
Steering	-	X	X
A/C and heating	-	X	X
Electrical	-	X	X
High tech	-	X	X
Emissions	-	-	X
Audio	-	-	X
Safety	-	-	X

What isn’t

As comprehensive as they seem, there are some things that even the highest level of warranty protection won’t cover. Here are some of the things that won’t fall under the umbrella of a Toyota Vehicle Service Plan:

Things covered by your auto insurance: This usually refers to non-moving parts like glass, sheet metal, and paint.

Things that count as routine maintenance: Oil changes and tune-ups, along with replacements of components that are known to wear out like brake pads, are normally not covered.

Anything caused by abuse or neglect: Off-roading in a car not equipped for all-terrain, for instance, would count as “improper usage”, and damage caused would not be covered by your warranty.

Existing damages: Any damage or repairs that were needed before purchasing the warranty are not included.

Other components: Other parts, especially aesthetic aspects like fabric, upholstery, and carpets, are not covered.

While regular maintenance is not covered by a warranty, every new Toyota does come with ToyotaCare, which covers scheduled services for two years after purchase. You can also purchase ToyotaCare Plus, which provides protection for up to four years.

MORE:

How much does a Toyota tune-up cost?

Duration

The length of coverage for your particular warranty will depend on the plan you choose and whether or not you have a new or used vehicle. Most plans will cover you for anywhere between three to 10 years, and from 50,000 to 125,000 miles.

Whatever your plan, your coverage will start from your New Vehicle Limited Warranty start date, and expire when you hit the time or mileage limit set by your plan.

	Powertrain Plan	Gold Plan	Platinum Plan
New plan duration	Up to 6 years/100,000 miles	3 years/50,000 miles OR 8 years/125,000	3 years/50,000 miles OR 10 years/125,000
Used plan duration	Up to 2 years/24,000 miles	Up to 5 years/60,000 miles	Up to 5 years/60,000 miles

There is one other kind of plan, and that applies to Certified Used Toyota vehicles. You can qualify for an extended warranty with these cars if you already have a powertrain warranty, and it is less than six years old. These warranties can only cover you for 12 months or 12,000 miles, whichever comes first.

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Cost

The cost of your Toyota Vehicle Service Plan will depend on your choice of plan, duration, deductible, and whether you have a used or new vehicle. On average, Toyota owners pay anywhere from $1,500 to $2,500 for their extended warranties.

The more extensive your extended warranty is, the more expensive it will be. For instance, the Platinum Plan will be considerably more than the Powertrain Plan, as it covers more parts of your car.

These plans also have a deductible, which means a set amount you agree to pay out of pocket for each repair before the warranty kicks in. Typically, that deductible is $100, but if you opt for a higher deductible, like $200, you will find your overall warranty cost goes down.

MORE: How to decide if you need a bumper-to-bumper warranty

Is it worth getting a Toyota extended warranty?

Whether or not you need a Toyota extended warranty will depend on your exact needs and priorities. While it can lower the costs of certain repairs and give you peace of mind, you may not think it's worth the extra cost, and you would rather deal with repairs if they come. You can always talk to your dealership about your options and potentially negotiate the cost, as well.

There are also some alternatives to an extended warranty, of course. For instance,

mechanical breakdown insurance

(MBI) can cover the cost of some mechanical repairs after your warranty expires. You can also look into third-party warranties, which can cover you for longer periods at lower rates.

How to lower Toyota insurance costs

Whether you’re driving a brand-new Toyota or an out-of-warranty one, you’ll want to find a car insurance policy that can keep up with your needs. That’s where Jerry comes in.

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