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LAST UPDATED: November 18th, 2022

Toco Warranty's award-winning protection offers customers relief from vehicle breakdowns that are oftentimes unexpected, frustrating, and expensive.

Toco provides roadside assistance, car rental, a full concierge service, and can be used nationwide at any ASE-certified mechanic. Instead of charging customers upfront for years of coverage or requiring a hefty down payment, Toco allows clients to pay their coverage monthly instead. 

Toco administers claims in-house, offering complete control over the customer experience. While many providers are third-party retailers, Toco is the seller, administrator, and obligor of the contracts they sell.  Toco contracts are insured by AmTrust Financial Services.

Toco's Extended Warranty Coverage is available in 46 of the 50 United States. However, if you're a California resident, be sure you're reading about Toco's Mechanical Breakdown Insurance and not the extended warranty coverage. 

A warranty from Toco costs $80 to $85 per month, depending on the VIN and mileage on the car.

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The Good

  • 4 Coverage Levels
  • Honk
  • Warranty Benefits
  • Waiting Period
  • Licensed Repair Facilities
  • Customer Satisfaction

4 Coverage Levels

Toco offers one contract with four levels of coverage. The number of miles on the vehicle's odometer at the time a claim is submitted determines the level of coverage.

Toco's Orange level offers the most comprehensive coverage — extremely similar to the manufacturer's original warranty. In fact, when it comes to this plan, it's easier to look at what isn't covered rather than what is (this is similar to bumper-to-bumper coverage). This plan is for claims submitted under 100,000 miles on the odometer.

Toco's Yellow level offers fairly extensive coverage, it covers all the basics,  including high-tech electrical, modern features, brakes, and more.  This plan is for claims submitted between 100,001 and 150,000 miles on the odometer.

The Blue level provides coverage for your powertrain, plus some of the most important basics that keep your cooling, A/C, and electrical systems working.  The Blue level is for claims submitted between 150,001 and 200,000 miles on the odometer.

The Green level covers the most basic components that keep your car running (this coverage is similar to what other companies may refer to as a powertrain warranty). This level is for claims submitted between 200,001 and 250,000 miles on the odometer.

If you're interested in learning more about each of these plans' exact details, we recommend checking out Toco's sample contracts. The sample contracts are a great way to find out all the nitty-gritty details regarding coverage, filing a claim, cancellation costs, etc.


Toco uses the company Honk to provide roadside assistance. 

Honk is an on-demand roadside assistance platform that allows you to find (and order) roadside assistance from your phone. Honk is available 24/7, nationwide, and you only pay for the services you use. The Honk app connects you with roadside assistance partners who can help if you've been locked out of your car, need a jumpstart, have a flat tire, are out of fuel, or need a tow. 

Warranty Benefits

Alongside its fairly extensive coverage, all of Toco's extended car warranties come with the following benefits:

  • Roadside assistance — Jump-starts, flat tire changes, fuel delivery, locksmith, and towing services
  • Rental car benefits — Includes $35 per every four hours of labor performed on your vehicle with a maximum benefit of $175 per repair visit
  • Trip interruption coverage — Meal and lodging reimbursement up to $100 per day for 3 days when you experience a covered breakdown more than 100 miles from home
  • Hotel and motel discounts — Discounts on any stay booked through and a 5% rebate when you send your receipt to Toco

Waiting Period

To ensure your car is in working order, Toco has a mandatory waiting period before your coverage takes effect. Generally, the waiting period is 90 days and 1,000 miles (from the date of purchase). The waiting period may depend on your driving habits. A waiting period of 30 days and 1,000 miles is standard.  That said, Toco explains that its 90-day waiting period is to help prevent fraudulent claims and keep its rates low. 

Toco offers some customers the ability to submit claims immediately with a Certificate of Appreciation, which allows the customer to submit claims during the waiting period but limits the amount that can be paid towards claims. After the waiting period, the Toco Plan covers up to the value of a vehicle at the time of a claim and $15,000 over the life of the agreement.

Licensed Repair Facilities

Toco coverage can be used at any state-licensed repair facility or mechanic. However, if you choose a preferred repair facility (one that's been selected and assigned by the administrator of Toco's plans), your deductible may be waived or reduced. Just keep in mind that preferred repair facilities aren't available in all areas. 

Customer Satisfaction

Toco recently won several 2021 awards given by Stevie Awards for its Customer Service Training or Coaching Program and Customer Care Department. Many of the reviews left on reveal that Toco customers are happy with this warranty provider and the level of coverage it provides. However, there are even more reviews praising Toco's customer support representatives. Specifically, customers have mentioned that they felt the support team was knowledgeable, polite, and quick with service. Others mentioned that the company representatives were happy to go through each protection plan and mention all of the benefits, possible discounts, and more. 

We've seen too many car warranty providers drop the ball on customer service and it's nice to see a company honor its commitment to customer satisfaction. 


The Bad

  • State Coverage
  • Cancellation Costs
  • Late Payment Fee

State Coverage

Currently, Toco Warranty does not offer its car warranty services to those living in Alaska, Missouri, California, or Washington. However, enrolled customers have breakdown protection in all 50 states and Canada.

Cancellation Costs

Toco does allow customers to cancel their warranty plan. Just be sure to read your contract carefully to make sure you understand all the terms and conditions. Toco's Sample Contracts for the Orange, Blue, and Yellow plans state the following:

"If this contract is canceled within the first sixty (60) days and no claims have been filed, we will refund the entire contract charge paid.

If this Contract is canceled after the first sixty (60) days or a claim has been filed, we will refund an amount of the contract charge according to the pro-rata method reflecting the greater of the days in force or the miles driven based on the term/miles selected and the date coverage begins, less a fifty dollar ($50.00) administrative fee. Where permitted, the total amount of all authorized claims will be deducted from all refunds."

Late Payment Fee

Toco charges a $5 late payment fee for any account that is past due over five days. This fee may be waived at Toco’s discretion.

Be aware that your Toco contract may be canceled if you are over fifteen days past due (without communication). If your contract is canceled for non-payment, you can re-enroll but may have to restart the waiting period.


The Bottom Line

As far as extended car warranty providers, Toco is a reliable option for car owners. The company's coverage and benefits (such as roadside assistance, rental car benefits, discounts, and more) offer comparable or better coverage than their competitors. Additionally, Toco’s commitment to customer experience and satisfaction exceeds that of third-party sellers and elevates Toco above most others in the space 

The cost of the Toco Plan depends on your car's make, model, mileage, and how often you drive. It's extremely easy to get a quote online and purchase a plan directly from the site. Toco also offers free agent consultation to answer any questions and make sure that customers fully understand the service and experience.

One thing that sets Toco apart from other companies is that they offer month-to-month payments so you can pay as you go and cancel if you no longer need it. Instead of spending money upfront on several years of coverage or making a large down payment, you can choose to make smaller monthly payments.

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Jermaine Tarboro, NC

I am a very dissatisfied customer. I had a situation with my vehicle and I thought it was covered but it was not and it was a twelve hundred dollar repair. I am no longer interested in them.

2 years ago

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Reply from Toco

We are sorry to hear about your experience and we would be happy to investigate.Unfortunately, this platform doesn't provide your email address or phone number for us to reach out to. Please call us if we can help.

Jun. 7th, 2021

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Brent Lieberman Cocoa, FL

I own a 2008 Ford Explorer. Transmission went out at 186000. Toco refused the claim because they say there was supposed to be a transmission fluid change and filter replaced at 180,000 miles. The schedule in the truck doesn't even go up to 180,000 miles. Update: Toco did finally agree to pay a portion of the cost to have the transmission repaired. Still not worth the hassle.

10 months ago Edited February 17, 2023

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Reply from Toco

Hi Brent, we take your concern seriously and will have a supervisor reach out to see how we can make the experience a bit better for you.

Nov. 14th, 2022

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Don't use TOCO Belleview, FL

If your considering toco..... RUN!!! RUN FAR FAR AWAY!!! they will happily take your payments. Then when your broke down.. They will happily REFUSE YOUR CLAIM. there will always be a REASON to SAY NO!! I lost my sweet lincoln mkz because of them. I had to trade it in with a blown motor because they flat out REFUSED THE CLAIM. this is a SCAM COMPANY that TAKES YOUR MONEY AND REFUSES TO DELIVER. if I could I would give them a 0 star. I WILL NEVER FORGIVE THEM FOR THE HELL THEY PUT ME THROUGH. THE CRAPPY COVERAGE THEY PROVIDE. this is a OFFICIAL WARNING!!!!! DO NOT USE THEM!!! STAY AWAY!!!! FAR FAR AWAY!!!!

1 year ago

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Reply from Toco

Toco is sorry to hear about your situation and would love to see what can be done to assist. Toco is committed to making sure that our customers are taken care of and treated fairly. A supervisor will be reaching out.

Nov. 10th, 2021

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Enrique El Paso, TX

Worst experience ever! They fought me on a my first claim, trying to find ways to deny claim. They ended up prolonging the repair claim process for 2 months, getting 2 more monthly payments from me, and then denying the claim. When I asked for the denial reasons on paper or document, they claimed I had to go through another procedure to get that request. IM STILL WAITING. BIG SCAM..SAVE YOUR MONEY..READ OTHER PEOPLES REVIEWS!

3 years ago

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Reply from Toco

We are sorry that this was your experience. Toco does not handle the claims process on this contract, but will certainly look into your experience to see how we can address it with the administrator.

Mar. 24th, 2021

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Roxanne Ellerbee Atlanta, GA

They refused to pay my first claim and I am told to expect the same response with every repair because 98% of claims are denied for one reason or another.

2 years ago

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Reply from Toco

Toco is sorry to hear that the experience was not as great as you had hoped and a supervisor will be reaching out to assist. We value our customers and seek a wonderful experience for all.

Apr. 8th, 2021