CarShield Review: Is CarShield Worth It in 2026?
CarShield sells car protection plans to help drivers pay for unexpected repair bills when their vehicle breaks down. But, with growing consumer scrutiny, one key question is constantly dominating: is CarShield worth it in 2026? That question matters even more after CarShield reached a $10 million settlement with the Federal Trade Commission (FTC) in 2024, when the government said some of its ads made coverage sound better or easier than it really was.
Because of this, along with mixed CarShield reviews from real customers, it’s important to clearly understand CarShield warranty plans, what it covers, & what it doesn’t. So, let’s dive into the details.
Key Points:
- CarShield typically costs around $140–$170 per month, with pricing varying by plan, deductible, and whether you choose a flexible month-to-month or set-term contract.
- CarShield offers warranty plans ranging from basic powertrain coverage (Silver) to near-complete protection (Diamond), with specialized options for high-mileage cars, electronics, motorcycles, and electric vehicles.
- A Nissan Rogue with CarShield’s Diamond month-to-month plan typically costs around $170 per month.
- CarShield may offer discounts for multiple vehicles, military and first responders, loyal customers, and occasional online or seasonal promotions.
Take a Quick Overview: What Is CarShield?
- CarShield was founded in 2005 & provides flexible plans for a wide range of vehicles, including older cars, high-mileage vehicles, and new models.
- Customers pay monthly fees instead of one high upfront cost, making unexpected repairs more manageable.
- Plans allow you to choose your own certified mechanic, giving more freedom than some competitors that restrict repair locations.
- Coverage can include major systems like the engine, transmission, and electrical components.
What is the FTC Settlement That CarShield Made?
In 2024, CarShield reached a $10 million settlement with the Federal Trade Commission (FTC). The settlement came after the FTC alleged that some of CarShield’s advertising was misleading, making coverage seem broader and easier to use than it actually was. The settlement required CarShield to refund affected customers, adjust its marketing practices, and be more transparent about plan limitations, exclusions, and terms. This settlement is important for potential customers to know because it highlights both the company’s past challenges and the steps it has taken to improve transparency in its offerings.
So, Is CarShield Worth It in 2026?
Despite the FTC settlement over misleading advertising, CarShield can still be worth it for drivers who want extra protection for older or high-mileage vehicles. Its flexible plans cover many costly repairs and offer benefits like roadside assistance, but some customers report claim delays or confusing terms. Careful review of the plan is essential, though it can provide peace of mind against unexpected repair costs.
How Do CarShield Warranties Work?
CarShield warranties, also called Vehicle Service Contracts (VSCs), work like an extended car warranty to cover repairs beyond your manufacturer’s coverage:
- Choose a Plan: You select a plan based on your vehicle’s age, mileage, and how much coverage you want.
- Pay Monthly or Full Term: You can pay month-to-month or purchase a set-term plan for a longer period.
- Request Repairs: If a covered part fails, you take your car to any ASE-certified repair shop.
- File a Claim: Contact CarShield or the administrator to approve the repair. They will reimburse the shop or pay the shop directly depending on the plan.
Pay Deductible: You pay the deductible chosen when signing up, and CarShield covers the rest of the repair cost.
So, What Are CarShield’s Monthly Warranty Plans & Costs?
If you’re looking for flexible coverage, CarShield’s month-to-month plans let you pay as you go without a long-term commitment. The monthly cost depends on your vehicle’s age, mileage, and the type of protection plan you choose. Here’s a snapshot of what drivers might expect:
| Vehicle & Year | Mileage | Plan Level | Monthly Cost |
|---|---|---|---|
| Toyota Corolla 2022 | 65,000 | Diamond (Full Coverage) | Around $140 |
| Nissan Rogue 2022 | 65,000 | Diamond (Full Coverage) | Around $170 |
| Toyota Tacoma 2022 | 65,000 | Diamond (Full Coverage) | Around $150 |
| Toyota Corolla 2017 | 100,000 | Gold (Mid-Level) | Around $140 |
| Nissan Rogue 2017 | 100,000 | Gold (Mid-Level) | Around $165 |
| Toyota Tacoma 2017 | 100,000 | Gold (Mid-Level) | Around $145 |
| Honda CR-V 2020 | 80,000 | Diamond (Full Coverage) | Around $155 |
What Does Each Warranty Plan Cover?
Here’s a clear breakdown of the different coverage plans CarShield offers, so you can quickly see what’s included in each:
| CarShield Plan | What It Covers | Best For |
|---|---|---|
| Diamond | Comprehensive, nearly everything in your car except a small list of exclusions. Think of it like a new car manufacturer’s warranty. | Drivers who want maximum protection for almost all systems, especially newer vehicles. |
| Platinum | Covers key systems like engine, transmission, cooling, air conditioning, steering, brakes, fuel pump, and major electrical parts. Each part is specifically listed in your contract. | High-mileage or used cars where you want broad, component-specific coverage. |
| Gold | Focuses on common powertrain components (engine, transmission, drivetrain) plus select parts like alternator, starter, and power window motors. | Drivers seeking solid protection for major vehicle systems without paying for full coverage. |
| Gold Select | Same as Gold but excludes certain fuel system components. Designed for high-mileage vehicles. | High-mileage cars needing essential powertrain coverage at a lower cost. |
| Silver | Covers only the most important powertrain components: engine, transmission, water pump, and drive axle. | Budget-conscious owners or older vehicles needing essential protection. |
| Aluminum | Protects computer-related and electrical components, such as sensors, cruise control, electronic gauges, power seat control, and LCD screens. | Drivers concerned about expensive electronics and computerized systems. |
| Motorcycle & ATV | Plans designed specifically for motorcycles and ATVs. | Specialty vehicle owners needing tailored coverage. |
| Electric Vehicles (EV) | Covers EV-specific components like the electric drive unit, battery pack, and other critical electrical systems not included in standard plans. | Electric vehicle owners who want protection for parts unique to EVs. |
Tip for readers:
- Diamond = max coverage
- Platinum = broad, high-mileage focus
- Gold/Gold Select = powertrain focus
- Silver = basic essentials
- Aluminum = electronics
- Motorcycle/ATV = specialty vehicles
- EV = electric-specific components
What Does CarShield Cover?
Here’s a breakdown of what each CarShield plan covers for key components and systems:
| Component / System | Aluminum | Silver | Gold Select | Gold | Platinum | Diamond |
|---|---|---|---|---|---|---|
| Engine | No | Yes | Yes | Yes | Yes | Yes |
| Transmission / Drivetrain | No | Yes | Yes | Yes | Yes | Yes |
| Cooling System | No | No | No | Yes | Yes | Yes |
| Brakes & Steering | No | No | No | Yes | Yes | Yes |
| Air Conditioning / Heating | No | No | No | Yes | Yes | Yes |
| Electrical & Computer Systems | Yes | No | No | Yes | Yes | Yes |
| Fuel System Components | No | No | No | Yes | Yes | Yes |
| Power Accessories (windows, seats, etc.) | Yes | No | No | Yes | Yes | Yes |
What Does CarShield Not Cover?
CarShield does not cover everything. Common exclusions include:
- Regular maintenance services (oil changes, filters, brake pads)
- Pre-existing conditions or repairs needed due to lack of maintenance
- Wear-and-tear parts like tires, batteries, and brake pads in many plans
- Damage from accidents, theft, or natural disasters
- Modifications or aftermarket parts not approved in the contract
Always read the fine print to understand limitations and exclusions in your specific plan.
Does CarShield Offer Any Discounts?
Yes, CarShield offers several types of discounts that can help reduce your monthly payments:
- Multiple Vehicle Discount: If you’re covering more than one vehicle, CarShield often gives a discount on additional cars.
- Military & First Responders Discount: Active-duty military, veterans, and first responders may qualify for special pricing.
- Loyalty & Renewal Discounts: Returning customers or those upgrading plans sometimes receive reduced rates.
- Online Promotions: Occasionally, CarShield runs online promotions or seasonal offers for new customers.
How Much Is Car Shield Deductible?
Yes, CarShield allows you to choose a deductible amount when you purchase a plan. The deductible is the portion of repair costs you agree to pay out-of-pocket for each repair visit.
- Lower Deductible: Paying a smaller monthly fee with a higher deductible may make sense if you prefer lower upfront costs.
- Higher Deductible: Choosing a higher monthly payment but a lower deductible can reduce the cost of each individual repair.
Important: Deductibles vary by plan and vehicle, so always review your specific contract to understand how much you’ll pay per repair.
What Are CarShield Policies? Terms & Conditions
- Coverage Limits: Each plan lists exactly which components are covered and any exclusions.
- Deductibles: Specifies how much you pay per repair.
- Claim Process: Defines how to submit a claim, required documentation, and time limits.
- Repair Shops: You can use any ASE-certified repair facility unless otherwise stated.
- Contract Length: Month-to-month plans or fixed-term plans are available; early cancellation may have fees.
- Exclusions: Normal wear-and-tear, maintenance items, accident damage, and aftermarket parts are not covered unless listed.
Tip: Reading the full contract is crucial. Many complaints about CarShield arise from misunderstandings of these terms.
How Much Is CarShield Insurance?
CarShield is not traditional auto insurance but a vehicle service contract that helps pay for covered repairs. On average, most drivers can expect to pay between $140 and $170 per month, depending on their vehicle’s age, mileage, coverage plan, and chosen deductible.
CarShield Customer Service
CarShield provides customer service through various channels, including CarShield phone number support and online portals. Customers can reach CarShield’s customer support at 1-800-587-4603 from Monday to Friday between 7:00 AM and 8:00 PM (CST), and on Saturdays from 8:00 AM to 3:00 PM (CST). The company also offers an online portal for claims management, with the claims department accessible by phone from Monday to Friday between 7:00 AM and 6:00 PM (CST), and on Saturdays from 8:00 AM to 3:00 PM (CST).
CarShield Waiting Period
CarShield enforces a mandatory waiting period of 20 days and 500 miles before coverage kicks in for new vehicles. This waiting period serves to ensure that the warranty does not cover pre-existing conditions, providing a fair and transparent process for all customers.
CarShield Claims
CarShield offers a straightforward claims process, starting at 20 days/500 miles. Customers can contact the claims department of the administrator of their contract to file a claim, with repairs authorized and paid directly by the administrator if approved. Despite some criticisms, CarShield continues to handle claims efficiently and effectively for many customers.
Does CarShield Pay Its Claims?
CarShield claims to have paid thousands of claims for its customers, demonstrating a commitment to honoring its contractual obligations. While some customers have reported issues with denied claims and repair delays, many others have had positive experiences with the company’s claims process. It’s essential for customers to review their contracts carefully and understand the claims process before making a claim.
CarShield vs Alternatives
CarShield is a popular choice for extended vehicle warranties, but how does it stack up against other leading providers? Below are quick comparison tables showing how CarShield compares with Endurance, CARCHEX, and Olive.
CarShield vs Endurance
| Feature | CarShield | Endurance |
|---|---|---|
| Coverage Plans | 6+ customizable plans | Direct provider with 6 plans |
| Deductible Options | $0–$100 | $0–$200 |
| Waiting Period | ~20 days | 30 days |
| Claims Handling | Outsourced (via American Auto Shield) | In-house |
| Added Perks | Roadside, rental, trip interruption | Roadside, rental, tire repair |
CarShield vs CARCHEX
| Feature | CarShield | CARCHEX |
|---|---|---|
| Years in Business | Since 2005 | Over 20 years |
| Coverage Levels | 6+ options | 5 tiers (including specialty) |
| Inspection Required? | No | Sometimes |
| Availability | All 50 states | All 50 states |
| Better for | Budget-conscious drivers | Older/high-mileage vehicles |
CarShield vs Olive
| Feature | CarShield | Olive |
|---|---|---|
| Plan Flexibility | Wide variety of plans | Digital-first, instant quotes |
| Mobile Experience | Standard | Strong mobile interface |
| Monthly Cost | ~$99–$130 | ~$40–$100 |
| Deductible | $0–$100 | $0–$100 |
| Claims Process | Third-party | Direct, streamlined |
Pros and Cons of CarShield
Pros
- Wide range of customizable coverage plans
- Available in all 50 U.S. states
- Affordable monthly payments starting around $99
- No long-term contracts – monthly flexibility
- Includes perks like roadside assistance and rental car reimbursement
- Fast vehicle pickup/delivery (24–48 hrs)
Cons
- Some complaints about denied claims
- Uses third-party administrators for claims (not direct)
- Customer service experience can vary
- Not all repair shops accept coverage
- Coverage may not start until after a 20–30 day waiting period
So, Is CarShield Worth the Money?
Whether CarShield is worth the money depends on your car, your budget, and how much repair risk you’re willing to take. For drivers with older or high-mileage vehicles, CarShield can provide peace of mind by helping cover expensive repairs that could otherwise cost thousands out of pocket. The flexibility of month-to-month plans and the ability to choose your own repair shop are also strong advantages.
Conclusion
CarShield is a solid option for protecting against unexpected car repair costs, offering affordable plans and a range of coverage options. While reviews are mixed, it remains a popular choice. Just be sure to review your contract and match a plan to your specific needs before signing up.
FAQs
How much does CarShield cost on average?
What repairs does CarShield cover?
Is CarShield worth buying?
Does CarShield cover brakes?
Does CarShield cover towing?
Does CarShield cover oil changes and other preventive maintenance?
Does CarShield cover electrical problems?
What is CarShield phone number?
Roadside Assistance:
- 1-866-222-7869
- Open 24 Hours – 365 Days / Year
- Claims
American Auto Shield:
- 1-800-859-9923
- M-F 7:00AM – 6:00PM (CST)
- SAT 8:00AM – 3:00PM (CST)
Payment Processing:
- 1-800-587-4603
- M-F 7:00AM – 8:00PM (CST)
- SAT 8:00AM – 3:00PM (CST)
Customer Service:
- 1-800-587-4162
- M-F 7:00AM – 6:00PM (CST)
- SAT 8:00AM – 3:00PM (CST)
Sales:
- 1-800-588-8501
- M-F 7:00AM – 10:00PM (CST)
- SAT 8:00AM – 7:00PM (CST)
- SUN 8:00AM – 5:00PM (CST)
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