Fidelity Auto Warranty Review: Prices and Ratings (2025)

Fidelity Warranty Services has been in business for more than 40 years and sells several vehicle warranty products.^[1] It offers standard vehicle service contracts as well as more specialized plans for high-mileage vehicles, theft deterrent, road hazards, and more.

Fidelity stands out for its EV+ Protect plan that includes breakdown coverage for EV batteries, and for some additional coverage options like key replacement. But Fidelity plans are only available through car dealerships that partner with the company — you can’t get an online quote for one or buy one on your own.

Here’s what you should know about Fidelity auto warranties.

Fidelity auto warranty at a glance

A Florida-based company in business since 1978, Fidelity Warranty Services is the factory administrator for warranty programs for major manufacturers such as Kia and Volvo. Fidelity offers a range of vehicle service contracts and protection plans. 

But you can only purchase a Fidelity warranty when you buy a car from one of its 3,800 partner dealerships.

Its plans cover unexpected auto repairs, such as mechanical breakdowns of your engine, brake malfunctions, or transmission issues.

Fidelity auto warranty plans and coverage

Fidelity provides limited information about its warranty plans, coverages, and exclusions online. We contacted Fidelity for more information and reviewed sample warranty agreements from several dealerships to get more details on its plan options.

Fidelity Warranty Services doesn’t offer direct quotes, and its warranty plans typically come from subsidiaries and affiliates like Courtesy Insurance Company and Century Warranty Services.

Fidelity offers three main warranty plans to choose from:

• Powertrain: The Powertrain plan covers mechanical breakdowns of the engine, transmission, and drive axle.

• Gold: The Gold plan includes the coverage offered in the Powertrain plan, but it also covers the vehicle’s cooling systems, steering, brakes, front and rear suspension, and major electrical components.

• Platinum: The Platinum plan expands Gold coverage to provide protection for other components of your vehicle.^[2]

The table below highlights how each of the three plans covers different components:

Coverage	Powertrain	Gold	Platinum
Engine	✔	✔	✔
Transmission	✔	✔	✔
Air conditioning	𝗫	✔	✔
Brakes	𝗫	✔	✔
Suspension	𝗫	✔	✔
Electrical components	𝗫	✔	✔
Steering	𝗫	✔	✔

Each of the three plans includes additional benefits, such as the following:

• Alternative transportation coverage: While your car undergoes repairs, this form of coverage will pay up to $40 per day for up to 10 days for rental cars, rideshare services, or public transportation.

• Towing coverage: Fidelity will reimburse you up to $100 for towing charges for a covered repair.

• Travel coverage: If you’re more than 100 miles from home when you experience a mechanical breakdown, Fidelity will reimburse you up to $100 per day (up to a maximum of $500) for hotel stays and food.

• Fluids coverage: Fidelity will pay to replace necessary fluids, such as engine oil or lubricants, during a covered repair.

What does Fidelity auto warranty not cover?

Fidelity’s plans are exclusionary. These plans cover your vehicle’s major components, except for those listed in the exclusions section of your contract.

The Platinum plan — Fidelity’s highest tier of coverage — doesn’t cover the following items:

• Air bags

• Catalytic converters

• Exhaust system

• Heater and radiator hoses

• Safety restraint systems

• Shock absorbers

None of Fidelity’s plans cover damages related to negligence, improper towing, or a lack of maintenance.^[2]

Cost of Fidelity car warranty

Fidelity Warranty Services doesn’t offer online quotes for vehicle owners. You can only get Fidelity warranty quotes through a participating dealer when you purchase a vehicle.

That said, customers on Reddit and other online forums reported paying between $2,200 and $4,000 annually. You’ll have a deductible for your warranty, which can range from $0 to $250 per repair visit. Fidelity also doesn’t list its potential discounts.

How customers feel about Fidelity auto warranty

Fidelity has limited reviews on sites like Trustpilot and the Better Business Bureau. Of the available reviews, customers have expressed mixed sentiments.

Some customers who left online reviews complained about delayed response times and slow claims processing. In contrast, repair shop service technicians and advisers who work with Fidelity left fairly positive reviews about the company and its handling of repair claims.

Where Fidelity stands out

Fidelity customers who have left positive online reviews value the company’s extensive coverage, claims process, and large service network.

“Fidelity is one of, if not the, best extended warranty companies out there. You should have no trouble getting repairs approved,” said one customer on Reddit.

Here’s what Fidelity does well, based on reviews from several customers and service technicians.

• Extensive coverage: Customers and service advisers say Fidelity’s coverage is among the most comprehensive, making it easier for customers to have repairs approved.

• Easy claims: Customers praise the company’s claims process, citing the completion of eligible repairs and quick reimbursements.

• Large service network: Customers can take their vehicles to one of Fidelity’s 6,000 partner repair shops, making it easy to find a qualifying mechanic.

Where Fidelity falls short

Some of the topics that negative reviews about Fidelity Warranty Services touch on include:

• Unclear plan details: Customers express frustration with their inability to view plan details or cost information without visiting a dealership.

• Long hold times: Many people complain about long hold times on the phone with customer support. 

• Issues canceling policies: Some customers say they experience delays or issues canceling their policies. It’s worth noting that Fidelity Warranty Services directs website users to a separate website to cancel their policies online, but the page was down when we visited it.

How Fidelity auto warranty compares to other companies

You have options when it comes to vehicle warranties. It’s essential to compare plans, quoted costs, and more when looking for the right vehicle warranty company for you. Start your search and comparison process below.

Fidelity vs. Endurance

Like Fidelity, Endurance has three core plans. But Endurance’s policies include extra perks, such as complete tire coverage, key fob replacement, and windshield repair. Plus, you can get a quote online through its website, and you don’t need to provide a vehicle identification number (VIN) to view sample pricing.

Endurance is a better fit for drivers who already own a car and want to purchase warranty coverage independently, while Fidelity is the better option for people buying a new car through a partner dealership.

Endurance doesn’t offer coverage to residents of Massachusetts, and it has a network of about 3,500 repair shops and service centers.^[3] Fidelity, in comparison, has about 6,000 in its network.

The table below shows how Fidelity compares to Endurance.

Factor	Fidelity	Endurance
Mileage covered	Up to 150,000	No mileage limit
BBB rating	A+	A-
Coverage plans available	3	3
Longest warranty term	Not disclosed	6 years
Money-back guarantee	Not disclosed	30 days

Fidelity vs. CARCHEX

While CarChex allows customers to enter their information for a quote, its site doesn’t provide instant pricing. Instead, the company sends your info to third-party call centers that will call you, sometimes repeatedly. 

Customer reviews frequently complain about the number of calls and texts they received after submitting a quote request. If you want to avoid that level of outreach, Fidelity is the better option.

But CarChex does have some advantages that customers appreciate. The company will accept cars with up to 250,000 miles, and it offers many coverage options.

Below is a snapshot of how CarChex compares to Fidelity.

Factor	Fidelity	CarChex
Mileage covered	Up to 150,000	250,000
BBB rating	A+	A+
Coverage plans available	3	5
Longest warranty term	Not disclosed	10 years
Money-back guarantee	Not disclosed	30 days

How to file an auto warranty claim with Fidelity

In the event of covered damage or issues, you’ll need to file a claim. Follow these steps to file a warranty claim with Fidelity:

• 

  1. Contact the dealer who sold you the car

  Fidelity requires you to work with the dealer who sold you the vehicle. If the dealership has closed or you’re having other issues, you’ll have to contact customer support at (800) 327-5172. Fidelity doesn’t have 24/7 claims support. The claims department is available Monday through Friday from 8 a.m. to 9 p.m. Eastern time and Saturday from 9 a.m. to 4 p.m. Eastern time.

• 

  2. Follow instructions

  Fidelity won’t reimburse you for any unauthorized repairs. When you call customer support, explain the situation to the Fidelity representative and follow their instructions. You may have to take your vehicle to another dealership or repair shop. You must submit your claim to Fidelity within 30 days of receiving authorization.

• 

  3. Arrange for the car to go to the dealer

  Next, take your car to the dealership or repair shop. If your car isn’t drivable, your warranty may cover the costs of towing it to the dealer or repair shop. Check with Fidelity to confirm your coverage.

• 

  4. Provide teardown authorization

  Give the repair shop or dealership teardown authorization. This will help them accurately diagnose the issues and repair the car properly.

• 

  5. Hold onto parts

  Tell the repair shop you’d like to keep all the parts you replaced from the repair. Fidelity may want to inspect them as part of the claims process.

• 

  6. Wait for the repairs

  The repair shop or dealership will make the repairs and work with the warranty company for payment. If, for some reason, the dealership charges you for the repairs, submit a copy of the invoices and receipts to Fidelity.

Fidelity auto warranty FAQs