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Weighing the Cost of a BMW Extended Warranty

Now that you are the proud owner of a BMW, you want to keep your car working as it should. Lasting up to seven years or 100,000 miles, a BMW extended warranty is a service contract that keeps the money in your pocket instead of paying for costly repair bills. Look to the car warranty and insurance experts at CARCHEX for advice on where to find the right BMW warranty for you.

What Is a BMW Extended Warranty?

If you’ve purchased a new BMW, it’s likely you spent well over $35,000 for your luxury vehicle. On top of that price, BMW owners can end up paying hundreds or even thousands of dollars for maintenance and repairs at the auto shop. In fact, the average annual repair cost for a BMW is $968, according to RepairPal.

BMW extended warranties are a great way to help offset expensive repairs. They begin when your manufacturer or factory warranty expires. You can buy an extended warranty for new, used, or pre-owned BMWs from the dealership or from third-party auto warranty companies like CARCHEX.

BMW Extended Warranty Cost 2020

The cost of a BMW extended warranty depends on your specific plan: the more systems and components covered, the higher the cost. But this monthly payment can give you peace of mind instead of dreading taking your car to the auto shop.

If you purchase an extended warranty from the manufacturer, it costs about $1,000 to $1,500. Also, it’s important to note that the price may be rolled into your auto payment, so you may actually be paying interest on your BMW extended warranty.

Portrait of a mechanic at work in his garage

BMW Factory Warranty vs. BMW Extended Warranty

When you buy a BMW from the dealership, you also receive a factory warranty. Once that warranty expires, you have the choice to purchase an extended warranty. BMW of North America offers these—called BMW Extended Service Contracts—but third-party warranty companies like CARCHEX also offer extended protection plans that tend to be more flexible and even more cost effective.

What Does the BMW Factory Warranty Cover?

In general, a BMW warranty covers:

  • Bumper-to-bumper protection—BMW bumper-to-bumper warranties last 4 years or 50,000 miles, whichever comes first. Also known as a comprehensive or exclusionary coverage, this warranty includes most repairs for mechanical breakdown due to faulty materials or workmanship. Unlike most manufacturers, BMW covers the powertrain (engine, transmission, drive axle, seals, gasket, and related parts) in this same warranty instead of a separate powertrain warranty.
  • Corrosion warranty—This warranty covers damage to the sheet metal due to rust or corrosion. It lasts 12 years or unlimited miles for cars manufactured in 2004 or beyond and six years for cars built in 2003 or earlier.
  • Limited wear and tear warranty—BMW covers certain wear or tear items, such brake pads and upholstery, if the damage is due to material or manufacturing defect. This does not include tires, which are covered by the tire manufacturer.
  • Federal emission warranty—BMW offers coverage for most emission-related parts for 2 years or 24,000 miles. A few specific parts are covered for 8 years or 80,000 miles.
  • California emission control warranty—If your BMW is registered in California or a state that follows the same emission control regulations, most emission-related parts are covered for 3 years or 50,000 miles. Specific control devices are covered for 7 years or 70,000 miles. Emissions components on TZEV vehicles in these states are protected for 15 years of 150,000 miles.
  • Additional items—Wheel alignment, wheel balancing, and wiper blade inserts are covered up to the first 2,000 miles.

BMW of North America also provides 24/7 roadside assistance at no additional cost for the first four years of original in-service date. If you’re a BMW Certified owner, roadside assistance lasts up to six years. Roadside assistance includes towing services, battery jump start, lock-out services, fuel delivery, tire changes, and trip interruptions services.

You can learn more about your specific warranty based on the BMW year, model, and series online.

What Does a BMW Extended Warranty from the Dealership Cover?

An extended warranty from BMW is called a BMW Extended Service Contract. Here are a few similarities and differences between this extended warranty and the factory warranty:

  • Your BMW extended warranty covers your vehicle for up to 7 years or 100,000 miles.
  • While factory warranties only last so long, you can opt in for a BMW extended warranty before the original warranty expires. That means you have a little time to consider all your options and not feel pressured to make a decision in the showroom.
  • You still have 24/7 roadside assistance as part of BMW’s customer service.
  • All covered repairs are performed in a BMW facility by BMW technicians, using 100% BMW replacement parts.
  • Instead of one standard warranty, your vehicle protection plan options are Platinum, Gold, and Powertrain Plus, with Platinum being the most comprehensive.

BMW Extended Service Contract Coverage Options

Platinum Gold Powertrain Plus
New, Used, and CPO BMWs New and Used BMWs New and Used BMWs


Final drive assembly

Transfer case (all-wheel drive only)

Fuel system

Cooling system



Induction system

Brakes and ABS

Heat and A/C

Infotainment system

Interior and exterior (limited coverage)



Final drive assembly

Transfer case (all-wheel drive only)

Fuel system

Cooling system

Electrical (limited coverage)


Induction system

Brakes and ABS

Heat and A/C

Interior and exterior (limited coverage)

Engine (limited coverage)

Transmission (limited coverage)

Final drive assembly (limited coverage)

Transfer case (all-wheel drive only)

Fuel system (limited coverage)

Cooling system (limited coverage)

Electrical (limited coverage)

Induction system

How Long Will My BMW Extended Warranty Last?

If you’re purchasing an extended warranty from BMW, you have a few options on how long the coverage can last.

  • New and Used BMWs—Extend your warranty up to three years, for a total of seven years of coverage. Choose between 75,000 miles or 100,000 miles.
  • Used BMWs—Depending on whether you’re a CPO, CPO Elite, CPO Wrap, or CPO Wrap Elite BMW owner, you can extend your warranty one, two, or three years. Like the new or used BMW extended warranty option, you can also select between 75,000 miles or 100,000 miles.

Benefits of an Extended Vehicle Protection Plan with CARCHEX

CARCHEX vehicle protection plans are different from BMW Extended Service Contracts in these ways:

  • Longer contracts. BMW extended warranties from the dealership just add a few years to your limited warranty. The longest that you can be covered is seven years total. With CARCHEX, you can select a plan that lasts up to 10 years and doesn’t start until after your limited BMW warranty has expired.
  • More flexibility in your auto shop choices. You can use your own trusted mechanic instead of being obligated to the BMW dealership and their technicians.
  • More choices in part selection. You aren’t limited to using BMW parts, which are often more expensive than other brands.
  • More protection plan options. CARCHEX offers five coverage levels with several affordable plans in each level instead of three extended warranty coverage levels from BMW. You’ll be able to find a more customizable plan for protecting your BMW.
  • More time to choose. While you must purchase a BMW extended warranty while the vehicle under the New Vehicle Limited Warranty, you can buy an extended warranty from CARCHEX anytime. We cover new, used, and certified pre-owned BMWs, even if it has over 100,000 miles.


Customer Service

Customized Quote


Roadside Assistance

Why Should I Consider a BMW Extended Warranty?

No matter your provider, an extended warranty kicks in once your original BMW factory warranty expires. If you need repairs after this warranty expires and don’t have an extended warranty, you are stuck paying the bill.

How Much Does It Cost to Fix a BMW?

A general rule is that with a more luxurious, high-quality car comes more expensive repairs. BMW is no exception. While common BMW repairs vary depending on the model, here’s an example of BMW 328i repairs and their costs, according to RepairPal data:

  • Oil leaks—This problem is often caused by a leaky valve gasket cover. Replacing this part can cost $300 to $600. If not fixed in a timely manner, leaking oil can cause serious problems that lead to thousands more in repair costs.
  • Air conditioning and heat fan—Often confused for problems with the air conditioning itself, replacing the fan can cost $400 or more.
  • Low coolant light turns on or problems with the engine cooling system—You may just need to add more coolant, but this problem can be traced back to a water pump leak. Replacing a water pump on your BMW costs about $900.
  • Wheel hub assembly replacement—If you hear a rumbling noise when turning or driving, or if your wheel bearings are worn down, a replacement is usually between $200 and $600.

BMW electrical systems are often interconnected, so it can sometimes be difficult to diagnose the problem and keep repair costs down.

See this car maintenance guide from a CARCHEX partner to keep up with the correct maintenance and repairs for your vehicle.

How to Take Care of Your BMW

Luxury vehicles like BMWs are meant to be enjoyed. What are some ways to keep yours working and looking its best for years to come?

  • Wash the outside of your BMW regularly—Salt, pollen, sand, and even bird poop can affect the exterior and undercarriage of your car. The experts at Pro Car Mechanics say giving your car a thorough wash or a rinse on a regular basis—especially in the spring—can help prevent damage.
  • Be careful when and where you drive it—Stay on smooth, car-friendly roads and avoid driving your BMW in rough weather like snow, suggests BMW owners at BMWBlog. If you live in an area where snow is around for several months, stay on top of the condition of your tires, replacing and rotating them when necessary.
  • Don’t run low on gasoline—According to Luxury Auto Works, debris builds up in the bottom of your fuel tank, gets caught in your fuel line, and requires you to replace your fuel filter sooner. Keep your gas level above a quarter of a tank to keep the system as clean as possible.
  • Keep up with regular maintenance items—Rotating your tires, changing the oil, and getting regular inspections is the best way to prevent larger repairs or at least be aware they’re coming.
  • Get an extended warranty—This affordable monthly payment allows you to be prepared for costly repairs on your BMW when they do come up instead of potentially furthering the damage by putting them off.

Compare CARCHEX with the Competition

While there are many companies offering protection plans that compete with a BMW extended warranty, CARCHEX leads the competition in providing our customers with affordable, reliable plans that meet their specific needs. See how CARCHEX compares with other auto warranty companies.

Options for BMW Extended Warranties at CARCHEX

CARCHEX provides a variety of industry-leading Extended Vehicle Protection Plans, including more specific plans in each coverage level. Our plans are backed by top-rated industry leaders who are all competing for your business. By administering car warranty plans from third-party providers, our CARCHEX agents are able to get you the best price and coverage for your vehicle. That means we can get you a quality product at a great price.

Here is a high-level look at our CARCHEX Care offerings:

  • Titanium Coverage (10 years)—Our version of a bumper-to-bumper warranty, Titanium Level is our most comprehensive coverage option. It is the most similar to a factory warranty since it only excludes a few items.
  • Platinum Coverage (10 years)—This plan covers hundreds of specific components parts and all major systems in your vehicle.
  • Gold Coverage (10 years)—Offering comprehensive coverage, including major systems, and flexible terms, this plan is often a good match for vehicles with more than 60,000 miles.
  • Silver Coverage (7 years)—This level of coverage includes your vehicle’s major systems and much more than a basic powertrain warranty.
  • Bronze Coverage (6 years)—Built to protect you from the most common and expensive repairs, our Bronze CARCHEX Care plan covers your car’s major systems.
CARCHEX Vehicle Protection Plans

Additional Benefits from CARCHEX

A BMW extended warranty is a great way to protect your investment. For more than 20 years, the team at CARCHEX has gone above and beyond to make sure our customers have the right coverage for their BMW. These additional services are included with all of our extended protection plans:

  • Customer service is our priority. We promise “Customer Experience Above All” and have an A+ Rating and Accreditation with Better Business Bureau.
  • Our auto warranty and insurance experts are here to help, not haggle. Your quote is customized to your specific make and model, budget, driving habits, and needs.
  • CARCHEX Vehicle Protection Plans are affordable. People who struggle with a costly repair bill can easily manage our low monthly payments.
  • We want you to be completely satisfied with your protection plan, so we offer a No-Haggle, Low Price Everyday Guarantee™ and a 30-Day Money Back Guarantee.
  • Since claims are paid directly to the repair shop, you don’t have to wait to receive reimbursements.
  • Our vehicle protection plans include 24/7 roadside assistance—towing, rental cars, gas delivery, trip interruption services, and more.

Talk to One of Our Warranty Experts for Peace of Mind

When choosing whether to purchase a BMW extended warranty, it’s important to do your research and read the fine print. It’s normal to have plenty of questions. Our car warranty and insurance experts at CARCHEX are here to answer them and help you feel confident in your decision. Call 866-261-3457 to speak to one of our representatives today.



FTC: https://www.consumer.ftc.gov/articles/0054-auto-service-contracts-and-warranties

TrueCar: https://www.truecar.com/prices-new/bmw/

RepairPal: https://repairpal.com/bmw

Money Crashers: https://www.moneycrashers.com/extended-car-warranty/

BMW: https://www.bmwusa.com/explore/bmw-value/roadside-assistance.html

BMW: https://www.bmwusa.com/explore/bmw-value/bmw-ultimate-service/service-and-warranty-books.html

BMW: https://www.bmwusa.com/content/dam/bmwusa/financial-services/protection-products/BMW_Extended_Service_Contract_Brochure.pdf

CARCHEX: https://www.carchex.com/research-center/car-repair-cost/bmw-extended-warranty-common-328i-problems-2/

RepairPal: https://repairpal.com/estimator/bmw/328i/wheel-hub-assembly-replacement-cost

Edmunds.com: https://www.edmunds.com/car-maintenance/guide-page.html

Pro Car Mechanics: https://procarmechanics.com/car-care-tips-for-bmws/

BMWBlog: http://www.bmwblog.com/2015/12/14/bmws-in-winter-what-to-do-and-what-not-to-do/

Luxury Auto Works: https://luxuryautoworks.com/bmw-repair-how-to-keep-your-bmw-running-like-new/

YourMechanic: https://www.yourmechanic.com/article/why-you-should-always-keep-a-1-4-tank-of-gas-in-your-car-by-cheryl-knight

Better Business Bureau: https://www.bbb.org/greater-maryland/business-reviews/extended-warranty-contract-service-companies/carchex-in-hunt-valley-md-23015869

CARCHEX 118 Shawan Road, Suite 210 Baltimore, MD 21030 (FL License # E155490)

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We proudly offer the CARCHEX No-Haggle, Lowest Price Everyday Guarantee™ for all of our auto warranty and car inspection programs.
Consistent with consumers’ understandings and expectations of the market in which CARCHEX operates, CARCHEX uses the terms “warranty”; “extended warranty”, “extended auto warranty”, “extended service protection plan” and similar terms to describe the more technical term “vehicle service contracts”. For more information, see this FTC link or learn more here or by reviewing CARCHEX’s website.
CARCHEX markets and sells extended warranties on behalf of third party extended warranty providers, and your extended warranty will be between you and the provider. This website site is intended solely for the purpose of providing general information regarding the purchase of extended warranties. Specific contract terms, rates, taxes, fees and other charges are determined upon validation of vehicle information and acceptance by the extended warranty provider, for which CARCHEX is not responsible. Extended warranties may not be sold where prohibited by law.
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