Best service contracts for cars over 100,000 miles, scored on what each company prints

Paid placement. Click 4 Coverage is a client of OwnersFirm, which publishes this site and is paid when a reader who arrives from it buys coverage. Where a card for it appears on this page, that card is advertising. Its row in any table is scored by the same published rules as every other company. No other company on this page paid to appear.

100,000 miles is where this site starts. Every company in the table below says in writing, on its own site, that it will write a contract on a car at or past that reading. We score each one out of 100 on what it prints, and every point can be checked.

At the counter: the short version

1. 100,000 miles is the longest powertrain mileage term in the 27-brand factory table we keep. Three brands reach it: Hyundai, Kia and Mitsubishi. Twelve stop at 60,000. Past 100,000, no term in the table is still counting miles.

2. The limit is the fact companies print least. On October 16 we could read the sites of five vehicle service contract companies. Two printed an age or mileage limit. The other three leave it to the quote.

3. No printed limit, no place on a high-mileage list. That rule covers the advertiser on this page. It does not print a limit, so it is not in the 100,000 mile cut.

4. The score is printed terms and public records only. Sample contract, online quote, money-back period, waiting period, transfers, state rosters, regulator actions. No reviews, no prices, no call-center grades.

Best service contracts for cars over 100,000 miles

Ranked by score. The score is the same 100-point rubric on every page of this site, worked out on the methodology page. Limits print as each company states them. "No cap" means the company says in writing there is none. "Not published" means we could not find one on its pages.

Only 5 companies say in writing on their own site that they take a car at 100,000 miles or more at purchase (pages read October 16, 2026). A ranking on this site needs six, so this is a reference list in alphabetical order, with each company's published score beside it. It becomes a ranked list when a sixth company publishes its limit.

The last row sits outside the cut. Click 4 Coverage does not print an age or mileage limit on its site, so its high-mileage eligibility reads "unpublished" and it cannot enter a list of companies that say in writing they take cars at 100,000 miles. Its score is shown so the card above has a row to answer to.

The top of the table, one sheet each

The odometer, rung by rung

Five readings change the conversation. Each has its own page with the factory numbers, the printed limits we found and the questions to bring.

• 100,000mi

  The last factory powertrain mile in our brand table. From here a powertrain repair is yours unless a contract says otherwise.

• 150,000mi

  Printed limits start to rule names out. One company we read stops at 140,000.

• 200,000mi

  Any company still quoting has said yes at every rung below. Read its exclusions before its price.

• 10years

  The longest factory clock in the brand table stops. Three brands run it that long.

• 15years

  Age, not miles, decides. One company we read takes cars up to 20 model years old; another stops at 10.

Factory terms on an older car

The brand table tracks 27 makes. Basic coverage, the bumper-to-bumper part, ends by 60,000 miles on all of them: 36,000 on twelve brands, 50,000 on eleven, 60,000 on four. Powertrain runs longer: 50,000 miles on six brands, 60,000 on twelve, 70,000 on six and 100,000 on three. Each term ends at the miles or the years, whichever comes first.

So on a car past 100,000 miles, the factory paper is done on every brand in the table. A seller who offers to "extend" it at that reading is offering a service contract. That is a different product with its own exclusions, its own waiting period and its own company standing behind the claim.

Confirm against your VIN. The factory clock starts at first sale, not at the model year. Terms vary by model year, trim and market.

The brands that run longest are ranked on their own page: brands with factory powertrain coverage past 60,000 miles.

Exclusionary or listed parts

Contracts on older cars come in two main shapes. A listed-parts contract names what it pays for, and anything missing from the list is out. An exclusionary contract names what it will not pay for, and anything missing from that list is in. On a high-mileage car the exclusionary shape is the easier read, because the exclusions page is the whole question. Either way, read the exclusions and the pre-existing condition clause before the price. How to read each shape.

What to have in hand before a quote

• The exact odometer reading. It goes on the contract and it sets which plans you are offered.
• The VIN. It fixes the model year, the trim and the date the factory clock started.
• Your service records. Ask whether a claim needs proof of maintenance, and keep the receipts either way.
• A question about the waiting period, in days and in miles. Some companies count both.
• A question about who pays the claim. Ask for the obligor's name, the company that owes you the repair.
• A question about the refund if you cancel after coverage starts, and whether a fee comes off it.

What to expect on your model

Mileage is half of it. The other half is the car itself. The advertiser keeps model-year pages by make and model with the factory terms and the questions owners ask. Those pages are theirs, not ours.

Look up your model on the Click 4 Coverage vehicle pages

Questions from the counter

Lists on this site

More lists publish here as the provider file fills: no mileage cap, cars over 10 years old, and every company by age limit and by mileage limit.

How the score works, in one paragraph

Every company starts at zero. It earns points only for what it prints on its own site or what a state or federal record shows: 30 for transparency (a sample contract anyone can open, a price without a phone call, terms on the page), 35 for consumer terms (money-back period, waiting period, transfers, a $0 deductible option, a pro-rata refund), 25 for standing (state service contract rosters, a printed legal entity, a named obligor) and 10 for a clean public record on .gov sources over five years. The advertiser is scored by the same rules. The full rubric, the sources, the pull dates and the corrections policy are on the methodology page.