Ally Auto Warranty Review: Prices and Ratings (2025)

The best extended car warranties can give you peace of mind by covering repair costs when your car breaks down.^[1] Ally has been in the auto warranty space for more than 50 years, offering plans for new, used, leased, and electric vehicles (EVs). While Ally offers solid coverage options, many customers have expressed dissatisfaction with Ally’s customer service.

Here’s what you need to know about Ally auto warranties to make an informed decision.

Ally auto warranty at a glance

Ally Financial has been in business for more than 100 years in auto financing, banking, corporate finance, dealer services, investing, and even a credit card. It’s been part of the vehicle protection space for more than 50 years and offers six different warranty plans ranging from basic maintenance coverage to major repairs.

Ally also offers two maintenance plans that pay for tire rotations, fluid top-offs, oil changes, wiper blade replacement, brake pads and rotors, and other standard maintenance services.

Ally auto warranty plans and coverage

Ally Premier Protection offers three tiers of warranties and six plans for various vehicle types. Below is a summary of each plan and what it includes:

Mechanical Coverage	Major Guard (EV)	Major Guard (EV) Plus	Essential Guard	Feature Guard
Braking system	✔	✔	✔	𝗫
DC power and battery modules	✔	✔	𝗫	𝗫
Driver’s instrument display	✔	✔	𝗫	✔
Electronic climate control	✔	✔	✔	✔
Electric drive unit	✔	✔	𝗫	𝗫
Electrical	✔	✔	✔	𝗫
Engine	✔	✔	✔	𝗫
Engine cooling	✔	✔	✔	𝗫
Front and rear suspension	✔	✔	𝗫	𝗫
Front, rear, and all-wheel drive	✔	✔	✔	𝗫
Liquid thermal battery system	✔	✔	𝗫	𝗫
Propulsion battery pack	𝗫 ✔ (for EV)	𝗫 ✔ (for EV)	𝗫	𝗫
Steering	✔	✔	✔	𝗫
Transmission	✔	✔	✔	𝗫
Maintenance and Wear	Major Guard (EV)	Major Guard (EV) Plus	Essential Guard	Feature Guard
12V battery (1 replacement)	𝗫	✔	𝗫	𝗫
Brake pads and rotors (1 replacement)	𝗫	✔	𝗫	𝗫
Bulbs and headlamp bulbs (serviceable)	𝗫	✔	𝗫	𝗫
Cabin air filter	𝗫	✔	𝗫	𝗫
Engine air filter	𝗫	✔	𝗫	𝗫
Hoses and belts	𝗫	✔	𝗫	𝗫
Wiper blades	𝗫	✔	𝗫	𝗫
Safety and Tech	Major Guard (EV)	Major Guard (EV) Plus	Essential Guard	Feature Guard
Airbags and crash sensors	✔	✔	𝗫	✔
Front and backup cameras and sensors	✔	✔	𝗫	✔
Heads-up display	✔	✔	𝗫	✔
Heated and cooled seats	✔	✔	𝗫	✔
Keyless entry	✔	✔	𝗫	✔
Lane-departure warning	✔	✔	𝗫	✔
Power sun and moon roof	✔	✔	𝗫	✔
Radio and satellite radio	✔	✔	𝗫	✔

What does an Ally auto warranty not cover?

Most Ally plans won’t pay claims caused by:

• Misuse, abuse, or negligence involving your vehicle

• Lack of maintenance

• Damage from an external force, such as a collision, fire, lightning, earthquake, vandalism, or hail

• Water, rust, or corrosion

• Contaminated fuel systems or other contaminated fluids

• Pre-existing conditions

• Improper service or repair

Ally’s website provides a sample contract listing everything Ally warranties don’t cover.

Ally car warranty cost

Ally car warranty costs depend on your chosen plan, vehicle make and model, age and mileage, and deductible. But Ally’s website doesn’t list pricing details or allow you to request a quote. The only way to get a price and purchase an Ally car warranty is through a participating car dealership. Additionally, the website doesn’t mention any potential warranty discounts, although dealerships may offer them at their discretion.

How customers feel about Ally auto warranty

Although Ally Financial has an A+ rating from the BBB, it’s not accredited. On Trustpilot, Ally has 1.2 out of 5 stars, with 94% of reviewers giving the company a single star.^[2] Reviewers frequently mention poor customer service and slow payment processing.

Where Ally stands out

Several reviewers on Trustpilot called out specific helpful Ally customer service representatives who did a good job, and a few positive comments mentioned satisfaction with Ally’s banking services. Other reviewers who praised Ally Financial stated they’d never had an issue with the company and didn’t understand what all the negative reviews were about.

• Good service from specific representatives

• Adequate website and app

• Easy to open an account with Ally

Where Ally falls short

Many of Ally’s negative reviews focus on poor customer service and slow, cumbersome processes. Customers spoke of representatives being rude and uncooperative, stating that a lot of follow-up is required to get assistance or complete a requested task. Several reviewers cited billing issues, saying Ally continued to charge them for services they’d already paid for.

• Poor customer service

• Delayed communication and services

• Slow payment processing

How Ally auto warranty compares to other companies

Before choosing an auto warranty, it helps to compare several warranty companies. The following comparisons show how Ally auto warranty stacks up against two competitors.

Ally vs. CARCHEX

CARCHEX offers five auto warranty plans compared to Ally’s six. Like Ally, CARCHEX doesn’t have a BBB accreditation, but the BBB gives it a B rating. With 2.3 stars on Trustpilot, CARCHEX scores slightly higher than Ally’s 1.2 stars.^[3]

Reviewers frequently mentioned helpful and knowledgeable representatives and a positive overall experience. Regarding coverage, both companies offer emergency roadside assistance, rental reimbursement, and trip interruption benefits.

Factor	Ally	CARCHEX
Mileage covered	No information listed on website	Up to 250,000 miles
BBB rating	A+ (not accredited)	B (not accredited)
Coverage plans available	6	5
Longest warranty term	No information listed on website	10 years
Money-back guarantee	Up to 60 days	Up to 30 days

Ally vs. Endurance

The Endurance website is easy to navigate, and unlike Ally, it offers quotes online. Endurance also stands out for customer satisfaction. With more than 11,000 reviews on Trustpilot, it holds a rating of 4 out of 5 stars.^[4] In contrast, Ally has 1.2 out of 5 stars.

Many reviewers cite Endurance’s great customer service, while Ally seems to fall short in this area. Although Endurance has a slightly lower BBB rating, it’s accredited — Ally isn’t.

Factor	Ally	Endurance
Mileage covered	No information listed on website	Unlimited for vehicles less than 20 years old
BBB rating	A+ (not accredited)	A- (BBB accredited)
Coverage plans available	6	6
Longest warranty term	Not available on website	Not available on website
Money-back guarantee	Up to 60 days	Up to 30 days

How to file an auto warranty claim with Ally

Follow these steps to file an auto warranty claim with Ally:

• 

  1. Access coverage

  Before filing a claim, you’ll need to log in to your account and provide your last name, your ZIP code, and your car’s vehicle identification number (VIN).

• 

  2. Upload documents

  Next, you’ll upload the required documentation. Examples include a vehicle factory invoice or vehicle information form from your dealership, a declarations page from your insurance company, a market valuation report, a finance agreement, a settlement check, a bill of sale, and a police report.

• 

  3. Submit your claim

  Once you’ve provided documentation, you can submit your claim. Ally typically processes claims within two business days of receipt.

If you have questions about a claim, you can call Ally at 1 (800) 631-5590 on weekdays from 8 a.m. to 5 p.m. Eastern time.

Ally auto warranty FAQs