BMW Extended Warranty Cost & Coverage Plans (2024)

Name: BMW Extended Warranty
Brand: BMW
Availability: InStock

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Crash Course:

BMW’s three extended warranties, the Platinum, Gold, and Powertrain Plus plans, add up to 7 years/100,000 miles of coverage after the factory warranty expires.
BMW earned a 4.0 out of 5.0 overall in our 2023 automaker extended warranty study.
A BMW extended warranty may be worth it due to the high repair costs for the brand.
You can also purchase an extended warranty for your BMW from a third-party provider.

Featured Extended Warranty Companies

We reviewed the best extended auto warranty providers, and here are our top picks.

Best Overall Warranty Provider

4.6

Coverage:: 6 plan options, from routine maintenance to full coverage
Cost:: Several discounts available
Reputation:: Smooth claims experience as a direct provider

(866) 990-3410 Check Price

Affordable Monthly Payment

4.5

Coverage:: 6 plan options, some that last up to 300,000 miles
Cost:: Flexible month-to-month contracts
Reputation:: Most popular warranty provider

(877) 265-5123 Check Price

Best Warranty Provider for Used Cars

4.4

Coverage:: 6 plan options, the highest similar to a manufacturer’s warranty
Cost:: No down payment required
Reputation:: Strong BBB (Better Business Bureau) rating

(866) 950-7122 Check Price

A BMW extended warranty can help cover the notoriously high costs of mechanical repairs to your Bimmer. But in addition to the company’s own plans, you can buy extended coverage from an independent provider. Different options may be a better choice for different BMW owners.

In this article, we share what our experts learned about the cost and coverage of BMW extended warranties. We also provide a few key points to help you decide if an extended service contract is right for you. In addition, you’ll also find a few recommended providers from our 2023 list of the best extended car warranty companies to give you a few BMW extended warranty options to compare.

BMW Extended Warranty Overview

BMW of North America offers extensions to its new car factory warranty known as BMW Extended Service Contracts. These service contracts function just like a warranty and are part of the BMW Ultimate Protection Program, extending your coverage after your factory or BMW certified pre-owned warranty (CPO warranty) expires.

You can purchase extended warranty coverage for your BMW when you buy the car, or at any time before the original factory warranty expires. BMW provides 4 years/50,000 miles of factory warranty protection with all new vehicles.

BMW Extended Warranty Review

In our 2023 automaker extended warranty study, BMW earned a 4.0 out of 5.0. This score ranked seventh of all manufacturers in the study.

In the table below, you’ll find a categorical breakdown of how BMW scored.

Category	BMW Extended Warranty Score
Overall	4.0
Coverage	4.3
Cost	3.6
Accessibility/Usability	4.3
Benefits	3.6

BMW Extended Warranty Coverage

BMW extended warranties from the dealership cover repairs and replacements due to defects in material or workmanship only – not breakdowns from normal wear and tear. Replacements are made with 100% original BMW parts, and repairs are made at authorized BMW facilities by trained BMW technicians.

BMW extended warranty coverage can range from a comprehensive bumper-to-bumper warranty similar to the factory warranty and covers nearly every component on your vehicle to a basic powertrain warranty that only covers your vehicle’s major systems, depending on which plan you choose.

BMW Extended Warranty Plans

BMW owners have three levels of coverage to choose from: Powertrain Plus, Gold, and Platinum:

BMW Extended Warranty Plan	Coverage Terms	Covered Components	Exclusions
Powertrain Plus	7 years/ 100,000 miles	Engine, fuel and cooling systems, transmission and drive axle	All-wheel-drive, transfer case and engine induction system
Gold	7 years/ 100,000 miles	Everything included in the Powertrain plan as well as steering, anti-lock brakes, heating and air conditioning systems	Audio, entertainment and navigation systems
Platinum	7 years/ 100,000 miles	Everything in the Gold Plan as well as the navigation system, entertainment system, audio system and certain exterior and interior parts	Wear-and-tear items like brake pads and wiper blades

You’ll find more detailed information about these warranty plans in the section below.

BMW Powertrain Plus Warranty

This BMW Powertrain Plus Warranty, which is available for new and used BMWs, focuses on protecting the powertrain and limits or excludes coverage on several other systems. As such, the Powertrain Plus plan provides limited coverage for major parts like the engine, transmission, drive axle(s), fuel, and cooling systems, plus a few additional parts.

With the Powertrain Plus warranty, the only parts singled out for “comprehensive coverage” are the all-wheel-drive transfer case (if equipped with all-wheel drive) and the engine’s induction system.

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BMW Gold Warranty

As BMW’s middle-tier coverage level, the Gold plan protects the same systems as the Platinum package but with slightly fewer covered parts included in each system. The Gold level provides what BMW calls “comprehensive” coverage for the engine, transmission, fuel system, cooling system, steering, anti-lock brakes, heating, and air conditioning.

Electrical components receive “limited” coverage, while audio, entertainment, and navigation systems have no coverage. Below are the major differences between the Gold and Platinum plans:

Gold isn’t available for CPO vehicles.
Gold doesn’t cover the infotainment system.
Gold has limited coverage for the electrical system.

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BMW Platinum Warranty

Available for owners of new, used, and CPO BMW vehicles, the Platinum plan has few exclusions and offers the most comprehensive coverage level from BMW. This BMW warranty combines all the features of the first two plans and adds coverage for the audio, entertainment, and navigation systems. It also adds limited coverage for the vehicle’s exterior and interior.

Expand the section below to see a list of covered components and systems.

As the highest level available, the BMW Platinum Plan offers complete protection for these systems:

Engine
Steering
Electrical
Fuel system
Transmission
Cooling system
Induction system
Final drive assembly
Infotainment system
Heat and air conditioning
Transfer case (all-wheel-drive only)
Brakes and anti-lock braking systems (ABS)

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BMW Extended Warranty Exclusions

While BMW’s extended warranties are comprehensive, they don’t cover everything. Excluded components, systems, and repairs include;:

Maintenance parts
Wear-and-tear items (brake pads and wiper blades)
Cosmetic items like paint and bodyworke
Damage from accidents
Repairs resulting from vehicle misses, including abuse or neglect
Damage caused by environmental conditions
Aftermarket modifications or accessories

BMW Extended Warranty Benefits

While some warranty providers include several perks with their plans, BMW provides just one. Every warranty plan comes with 24/7 BMW roadside assistance. This includes coverage for emergency roadside services such as towing, jump starts, and fuel delivery.

How Long Does The BMW Extended Warranty Last?

Along with the coverage level, BMW owners who purchase extended coverage from the automaker can choose from several coverage terms. At most, you can continue your coverage for up to seven years or 100,000 miles from the in-service date, whichever comes first.

Drivers can choose from plan options that include up to five, six, or seven years of coverage, extending the original warranty by 1, 2, or 3 years respectively. Customers can also choose between 75,000 or 100,000 miles for each term.

When Does BMW Extended Warranty Coverage Expire?

Remember, this is based on the in-service date, meaning coverage is one to three years after your four-year limited warranty expires – not five to seven additional years. As with other car brands’ extended warranties, those terms include the length of the original factory warranty.

For example, if you choose 5 years/75,000 miles, you get an additional 1 year/25,000 miles of coverage. If you choose a 7-year/100,000-mile term, you add 3 years/50,000 miles of coverage.

BMW Extended CPO Warranty

Used car owners have the same extended BMW warranty options as those with new vehicles. Those with CPO models are limited to the Platinum level plan – the most extensive and expensive option. Term options are different for CPO extended warranties also:

CPO Elite members can only be covered for one additional year after their four-year limited warranty expires.
CPO members can be covered for two additional years.
CPO Wrap and CPO Wrap Elite members can have up to three additional years of coverage.

*When selecting your length of coverage, don’t forget CPO BMWs come with the remainder of the New Vehicle Limited Warranty plus one more year of original warranty coverage.

BMW Extended Warranty Cost

Based on our research, BMW customers can expect to pay between $1,000 and $8,000 for an extended warranty, which is relatively expensive compared to the company’s competitors. Along with a regular monthly payment, the figures above include deductibles of $50, which drivers pay towards a covered repair.

BMW Extended Warranty Prices

As as the estimates above show, the price range for BMW extended warranty coverage varies can vary wildly. One major reason is that BMW dealership are authorized to charge whatever they want for extended warranty coverage. The wide range of extended warranty cost is also reflected in the following quotes, which were reported by BMW customers on popular online BMW enthusiast forums:

Powertrain Plus: $1,700 for extending their coverage by 1 Year/25,000 miles.
Platinum: $7,000 for an additional 3 years of coverage.
Powertrain Plus: 1,700 for an additional year of coverage.
Platinum: $6,500 for a 5-year/100,000 package.

BMW Extended Warranty Price Factors

Expand the section below to learn which factors affect the cost of a BMW extended warranty.

a graphic displaying six car warranty cost factors represented by red icons. cost factors are type of vehicle, deductible, coverage, warranty provider, age of vehicle, and mileage

While the prices above are a strong indicator of BMW extended warranty prices, your specific coverage cost depends on several personal factors, including:

BMW Model: Because some BMW models are more costly to maintain than others, the specific type of BMW you drive has on effect on the cost of your warranty coverage.
Vehicle Age and Mileage: Generally, older vehicles with higher mileage cost more to cover because they are more costly to maintain than newer vehicles with lower mileage. The older a vehicle is and the more miles it has on it, there is also a higher chance of breakdowns, leading to more repair costs.
Warranty Term: The length of coverage you choose affects warranty costs. In nearly all cases, longer coverage periods cost more than shorter ones.
Coverage Level: It shouldn’t be much of a surprise that the level of coverage you choose is one of the biggest factors that affect your price
Deductible Amount: While a higher deductible means you will have higher out-of-pocket costs when you need a covered repair, choosing a larger deductible can also lower the amount you pay for the warranty overall.
Purchase Location: Since BMW dealerships are free to set the price of extended warranty coverage, the dealership you purchase the warranty from has a higher impact on the cost of extended warranty coverage than most automakers.
Down Payment: Generally, choosing a payment structure with higher down payment upfront will lower your coverage overall.
Payment Period Length: While longer payment periods can lower the amount you pay for your warranty each month, you can expect to pay more for coverage overall if you choose this option.
Financing: Most dealerships offer extended coverage as an option to tack on your financing when you purchase a vehicle. Because interest is applied to financing, choosing to finance your warranty coverage can greatly increase the amount you pay.

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2020 BMW M2 CS — A BMW warranty covers almost all parts of a new vehicle, but that protection goes away once the warranty expires.

Is a BMW Extended Warranty Worth It?

An extended warranty may be worth it for many BMW owners because it offers significant value in several ways. Given the high cost of BMW repairs, a vehicle service contract could save you money compared to paying out of pocket for repair work – though there’s no guarantee that it will.

In addition, an extended warranty can transfer to a new owner if the car gets sold. This means having coverage can increase the resale value of your BMW. Extended warranties also provide peace of mind by reducing the risk of having to come up with money for repairs unexpectedly.

Should I Buy a BMW Extended Warranty? What To Consider

While a warranty plan from BMW can be a good investment for some drivers, buying one isn’t the right choice for everyone. Before you decide to purchase additional coverage for your vehicle, there are a few things to think about.

Expand the section below to see some of the main points you should consider before buying a BMW extended warranty.

Are You Still Covered By the Factory Warranty?

When you purchase a new BMW, it comes with a factory limited warranty. This differs from the extended warranty because you’re not purchasing extra coverage under a new contract – it’s included with the vehicle.

Like most manufacturer car warranties, the BMW warranty covers the cost to repair or replace factory material or workmanship defects. Here’s a quick summary of the BMW factory warranty coverage and term lengths:

BMW Warranty	Coverage Length
New Vehicle Warranty	4 years/50,000 miles
Rust Perforation Warranty	12 years/unlimited miles
Federal Emissions Warranty	All emissions-related parts: 2 years/24,000 miles Specific control devices: 8 years/80,000 miles
California Emission Control Warranty	All emission-related parts: 3 years/50,000 miles Specific control devices: 7 years/70,000 miles TZEV vehicles: 15 years/150,000 miles

BMW Reliability

After your factory warranty coverage expires, you will have to foot the bill for covered repairs unless you purchase extended coverage. Because of this, your vehicle’s reliability is extremely important to consider when determining whether or not a BMW extended warranty is with it.

As a brand, BMW made a solid showing in the J.D. Power 2021 U.S. Vehicle Dependability Study, which surveyed car owners about problems encountered after three years of ownership. BMW was reported to have 108 problems per 100 cars. That result puts it ahead of rivals Audi (127) and Mercedes-Benz (122), but behind industry leader Lexus (81).

As for specific BMWs, J.D. Power rated three BMW models in the top three of their respective vehicle classes:

BMW Model	J.D. Power Award
BMW 2 Series	Highest Ranked Small Premium Car
BMW 4 Series	#3 Compact Premium Car
BMW 5 Series	#3 Midsize Premium Car

BMW Repair Costs

Although BMWs are reliable, you can expect your repair and maintenance costs to be higher than average. The brand’s repair costs are higher than the industry average because its replacement parts are expensive, and you can’t just take your car to any repair shop.

Data from RepairPal shows that BMW owners can expect to pay an average of $968 per year on repairs, which was notably higher than the study’s reported annual average of $652 across all brands. Moreover, YourMechanic called BMW the most expensive car to maintain, estimating 10 years of maintenance to cost $17,800.

Here are a few examples of common BMW repair and replacement cost prices for popular models based on RepairPal data:

BMW Model	Repair	Cost Estimate
BMW 128i	Brake booster replacement	$634 to $986
BMW 528i	Cylinder head gasket replacement	$2,550–$3,292
BMW 528i	Water pump replacement	$777–$894
BMW 325i	Valve cover gasket replacement to fix an oil leak	$298 to $371
BMW 228i xDrive	Heater core replacement	$1,232 to $1,713
BMW 528i	Rack and pinion replacement	$3,125 to $3,342
BMW 335i	Fuel pump replacement	$2,290 to $3,937
BMW X3 xDrive28i	Air conditioner compressor replacement	$1,726–$2,109
BMW X3 xDrive28i	Starter motor replacement	$503–$1,275

BMW Extended Warranty Repair Network

With a BMW extended warranty plan, you get the benefit of having services performed by BMW-certified professionals using brand-certified parts. However, this can also be seen as a limitation.

Since BMW has fewer than 400 authorized dealers in the U.S., you will be severely limited as to where you can get your vehicle serviced under a BMW extended warranty. Depending on where you live, a breakdown on the road could leave your car at a BMW dealership far from home while it’s being repaired.

For example, there are just two BMW dealers in Iowa and New Mexico. If you live in either of these states and break down near home, you may need to travel a long way for covered repairs.

BMW Extended Warranty: Other Considerations

Many new BMWs are leased, so those drivers need not be concerned about the warranty running out unless they plan to buy the car at the end of the lease. If you aren’t leasing, when considering whether an extended car warranty is worth it, consider how long you plan to own your car.

While comprehensive, BMW’s new vehicle warranty does not last as long as most other factory warranties. If you need costly repairs caused by factory defects and your car is in its first four years, your BMW warranty should cover the costs. Anything beyond that is your responsibility.

As with many drivers, you may not know how long you’ll keep a new BMW until you’ve driven it for a few years. At that point, you might even be past your factory warranty. To help deal with so many uncertainties, an extended warranty might offer peace of mind.

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BMW Extended Warranty Pros and Cons

The table below offers a comprehensive list of the pros and cons of a BMW extended warranty:

BMW Extended Warranty Pros	BMW Extended Warranty Cons
Everything is true BMW – the technicians are BMW-trained and all parts are 100% original BMW.	The dealership’s extended warranty limits you to its specified repair facilities and locations.
If you want to sell your BMW, having an extended warranty could be a good way to attract buyers and increase the selling price.	The BMW plans we found were expensive. Unless you’re able to negotiate the price down at the dealership, it’s likely you’ll end up paying more for an extended warranty than you would with a third-party provider.
Extended warranties provide peace of mind. You won’t have to fully pay for a pricey repair or replacement.	The dealership only covers your BMW up through its first seven years or 100,000 miles. A third-party provider plan can last well beyond that.
You can also purchase a maintenance plan to cover wear and tear items.	The BMW dealership limits you to three plans, not leaving a lot of room for customization.

BMW Extended Warranty Reviews

As you might expect, people have mixed opinions about BMW extended warranties online. Some customers and others point out that warranty plans generate a profit for BMW, which implies that many people don’t get what they spend on them back in covered repair costs. However, many others say that the chance that a warranty may cover repairs that otherwise would cost thousands of dollars is good enough to justify buying a plan.

These comments are indicative of many of the BMW extended warranty reviews on Reddit that we read for our research:

“[The warranty covered] oil pan gasket, A/C evap, rear seal, some bearings, thermostat. Closing in on 80k miles on an N55. Warranty was ~$3k. Worth every penny.” – u/shipwreckedpiano

“Warranties are a gamble. Maybe you won’t need it but if you do then you are lucky to have it. With all the tech parts in this car I would recommend getting it.” – u/hopelessandhappy

Third-Party BMW Extended Warranties

A BMW Extended Service Contract is not your only option for extended coverage. You can also buy coverage from one of many independent warranty providers. Third-party warranty plans offer similar coverage, but have some differences from branded BMW plans.

Third-Party BMW Extended Warranty Advantages

While they don’t have the official brand support that BMW ESC plans have, independent warranties have some distinct advantages in comparison. These include:

More repair shop choices: Instead of being limited to to BMW dealerships for services, with aftermarket coverage, you can have covered repairs done at more than 30,000 repair facilities nationwide. With this level of flexibility, you can continue to use your favorite mechanic and still receive coverage. You can also go to the dealership and use its technicians, but it’s not required.
Price difference: In many cases, coverage from a third-party warranty company is cheaper than official manufacturer extended warranties.
Plan choices: While the three plans that BMW offers a few choices, many third-party warranty providers offer more plan choices. Some also have add-ons and other options to customize your coverage.
Added benefits: You won’t miss benefits like roadside assistance when choosing a third-party provider, which includes benefits packages that can last longer. Third-party plans also come with various benefits like towing, gas delivery, jump-starts, and rental car and trip interruption reimbursements.
Purchase at any time: BMW requires customers to purchase an extended warranty while their vehicle is still covered under a factory warranty. With a third-party warranty, you don’t have to worry about missing that deadline because you can still buy this extended coverage option after the expired factory warranty.
Purchase from home: You’ll need to buy a BMW extended warranty from a dealership, but that isn’t the case with an independent provider. Most allow you to get free quotes to compare and purchase coverage online or over the phone, without the pressure of being in a dealership.
Fewer restrictions: Third-party providers can also be more accomodating about the vehicles they cover. You can find plans for older, higher-mileage BMWs that you can’t get from the manufacturer.

Best Independent BMW Extended Warranty Companies

When you start shopping for a third-party provider, getting lost in all the options is easy. Our team did much of the work for you, narrowed our research to the best-extended warranty companies for new and used BMWs, and found several providers we recommend.

We reviewed the best providers for BMW extended warranty coverage. Based on plan options, cost, reputation, and other factors, our team’s top three companies are Endurance, CARCHEX, and CarShield.

Below are just a couple of obvious ways the top-rated aftermarket providers compare favorably vs. a manufacturer-backed BMW extended warranty:

More coverage options: Compared to BMW’s three coverage levels, CARCHEX has five levels of coverage, Endurance has six coverage levels, and CarShield has four “traditional” extended warranty plans and one specifically for high-tech components. Most plans have customization options to fit your coverage to your car.
Better prices: In terms of cost, you’ll likely save money by going with a third-party provider. A five-year/100,000-mile plan for a standard car from CARCHEX is under $4,000. While these prices may increase because BMWs are more expensive to maintain, they are still lower than you would pay for a BMW extended warranty.

Best Independent Extended BMW Warranty Plans

While there are pros and cons to purchasing a BMW extended warranty from the automaker or any of the top aftermarket providers, the best provider for a BMW extended warranty overall is Endurance.

The company’s Supreme plan with the Highline add-on is a specialized warranty designed for various luxury models. It’s an exclusionary warranty that covers all mechanical breakdowns unless explicitly excluded in the contract. The Endurance Highline Supreme plan is available for the following luxury BMW models:

M2
M3
M4
M340
8 series (except I8 and M8)
X3 M
X4
X5 M

Other BMW models (such as the I8 and M8) are eligible for Endurance’s standard plans. The Highline add-on is for performance models only.

BMW Extended Warranties: Conclusion

A BMW extended warranty can be a good choice for Bimmer owners who want to continue their factory coverage. Due to the relatively low reliability and high cost of repairs for BMW vehicles, an extended warranty may offer more value than it would for other brands.

With three plans available, an official BMW ESC is a strong option for extending your warranty. However, it’s worth looking into plans from third-party providers as well. These plans tend to offer more flexibility in how you purchase and use your coverage, come with more benefits, and are often less expensive. The best providers offer free quotes, so you can see what’s available for your BMW risk-free.

BMW Extended Warranty Quotes

When shopping for extended warranties, the best thing to do is call around and get free quotes customized to your specific vehicle. That way, you can compare each company’s prices and get a feel for customer service. To maximize your options and find the best BMW extended warranty to fit your needs, compare quotes from BMW and a at least three top-rated aftermarket providers.