Kia Extended Warranty Worth It

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A Kia extended warranty protects your car for 10 years/120,000 miles and has five coverage levels Powertrain, Silver, Gold, Gold Plus, and Platinum.

Crash Course:

• The cost of a 10-year extended Kia warranty ranges from $1,600 to $3,900.
• The Kia extended warranty comes in 5 coverage levels.
• Kia vehicles hold high-reliability ratings, so some drivers may skip the extra coverage.
• Compare the Kia extended warranty with reputable third-party coverage options.

In this review, we’ll discuss the ins and outs of the Kia extended warranty, including coverage options, costs, and added benefits. We’ll also review Kia’s overall reliability and what factors to consider when purchasing an extended car warranty.

After thoroughly examining the industry, our research team ranked the best extended car warranty providers available in 2023. You can read more about our top third-party picks for Kia extended warranty coverage later in this article. Please click above if you want the best deal on extended protection from top providers.

Kia Protection Plan

The Kia extended warranty is an optional vehicle protection plan designed to keep you from paying for unexpected car repairs after your factory warranty expires. Below are high-level details you should know about Kia protection plans.

• Coverage Terms: Kia’s protection plans provide coverage for up to 10 years 0r 120,000 miles – whichever comes first.
• Transferability: The manufacturer’s vehicle service contracts are also transferable to any subsequent drivers if you sell your Kia before coverage expires. 
• Covered repairs: Each Kia extended warranty plan guarantees the use of genuine Kia parts and factory-trained technicians for any covered repair work.
• Cancelation: It’s important to note that the manufacturer does not state its Kia extended warranty cancellation policy online. Many providers give drivers prorated warranty refunds, but it’s best to check with your dealership about this option.
• Finance: Kia’s extended warranty plans can be financed with your vehicle, but we typically don’t recommend doing this as you’ll end up paying interest on your protection plan.

Kia Extended Warranty Coverage

With a Kia extended warranty, your vehicle can be covered for up to 120,000 miles. Below is a table that details the coverage terms for each extended warranty offered by Kia.

Kia Extended Warranty Plans

There are five Kia extended warranty options that you may be eligible for depending on your vehicle:

Kia Extended Warranty	Details
Powertrain	Base-level coverage for the engine, transmission, and drive axel.
Silver	This plan protects the same components as the powertrain plan plus steering, brakes, electrical, and front suspension.
Gold	The gold plan provides more comprehensive coverage for all the parts protected by the powertrain and silver plans.
Gold Plus	The Gold Plus plan adds coverage for the cooling system and rear suspension.
Platinum	The Platinum plan provides almost the same level of coverage as the factory bumper-to-bumper warranty. This exclusionary plan protects every part of your vehicle minus a small list of excluded parts.

Kia Roadside Assistance (And Additional Perks)

Each of the five Kia extended warranty plans comes with a few additional benefits, including:

• Towing coverage: Covers $75 per incident for any towing expenses
• Rental car reimbursement coverage: Covers up to $35 per day for a maximum of 10 days while your vehicle is in the shop
• Travel coverage: Covers up to $100 per day, up to $500 total, for food and lodging if your vehicle breaks down far from your home and you have to stay overnight while it’s being repaired
• Fluids coverage: No-cost fluids replacement with any covered repair

While these perks would be helpful in the event of a mechanical breakdown, they’re not as extensive as other manufacturers’ additional benefits, both in terms of coverage and cost limits.

What’s Not Covered Under the Kia Extended Warranty?

Any extended car warranty comes with certain exclusions, and the Kia extended auto warranty is no different. The manufacturer’s vehicle service contracts will not cover:

• Misuse or abuse
• Improper fluid use
• Environmental damages
• Negligence or improper maintenance
• Wear-and-tear parts like batteries and filters
• Routine maintenance services like oil changes and tire rotations

Kia Appearance Protection

In addition to the company’s extended warranties, Kia offers owners appearance protection plans that cover their vehicle in the case of the cosmetic body or interior damage. These plans include coverage for:

• Dents and dings
• Windshield chips
• Headlight brightening
• Interior repair services
• Road hazard tire and wheel protection

Kia Care

For owners who would like to budget for scheduled maintenance, Kia drivers can purchase a pre-paid maintenance plan. Kia Care offers three levels of coverage, Kia Care, Kia Care Plus, and Kia Care Premium. Kia drivers who purchase a Kia Care maintenance plan will receive a coupon booklet for all your pre-paid services. 

• Kia Care Premium: includes Kia Care Plus coverage, climate control air filters, and engine air cleaner filters
• Kia Care Plus: includes Kia Care Plan coverage plus tire rotations and key replacement
• Kia Care: covers engine oil and filter changes and multi-point inspections

Kia Extended Warranty Cost

Kia does not advertise the cost of its vehicle service contracts, but we were able to find customer reports of the manufacturer charging anywhere from $1,600 to $3,900 for a 10-year contract. The cost of your Kia extended warranty will depend on a few factors, including: 

• Your vehicle type: Certain models may be more expensive to cover.
• Your vehicle age and mileage: The sooner you purchase coverage, the cheaper it will be.
• Your deductible: Usually, choosing a lower deductible leads to a higher overall coverage cost.
• Your coverage length and type: Longer, more comprehensive coverage plans are usually more costly.

Under the Kia extended warranty, all parts and labor are covered. Service plans can be financed with your vehicle, but we typically don’t recommend doing this as you’ll end up paying interest on your protection plan.

Is A Kia Extended Warranty Worth It?

Are extended car warranties worth it for Kias? The answer depends on a few factors: your Kia’s reliability, ability to pay out of pocket for unexpected vehicle repairs, how long you plan to own your Kia, and your existing coverage.

If you do not plan on keeping your Kia past the original factory warranty, an extended warranty is most likely not worth it. However, if you plan on driving your Kia for years to come, investing in an extended warranty can save you money in the long run. Instead of paying for costly repair bills out of pocket, extended warranty coverage allows you to pay monthly premium, and in return, the provider will pay for the cost of repairs for protected parts.

Are Kias Reliable?

According to the J.D. Power 2020 U.S. Vehicle Dependability StudySM, which measures how many issues arise per 100 vehicles within a brand, Kia models are only slightly above the industry average for reliability. Out of 100 Kia vehicles studied, 132 problems arose

To determine a car brand’s reliability, we look to RepairPal, a site that analyzes customer reports to estimate common repairs and repair costs for 32 car brands. According to RepairPal, Kia scores 4 out of 5 stars for reliability and an average annual repair cost of $474. Below, we’ve outlined RepairPal’s findings on Kia’s reliability.

*A severe repair, in this case, means it will cost at least three times the average annual repair cost.

What Kia Coverage Do You Already Have?

Consider the coverage you already have for your car, like the Kia warranty for new vehicles and the certified pre-owned (CPO) Kia warranty. 

Factory Warranty

The Kia factory warranty is one of the longest in the industry. New Kias come with bumper-to-bumper warranty coverage extending for five years or 60,000 miles, whichever comes first. New vehicles also come with powertrain warranty coverage for 10 years or 100,000 miles. 

CPO Warranty

CPO Kias also come with a 10-year or 100,000 miles of powertrain warranty. However, instead of a New Vehicle Limited Warranty, CPO Kias come with one year or 12,000 miles of Platinum coverage.

If you don’t plan on owning your car for longer than these coverage limits, there’s little sense in investing in additional coverage.

Kia Extended Warranty Review

Based on RepairPal’s data, an extended car warranty may not be necessary for Kia drivers. Most Kia models seem to be reliable, requiring few repairs. However, this doesn’t mean an unexpected mechanical or electrical repair is impossible. For covered repair work, Kia drivers can take their vehicle to a local Kia dealer or to one of the 6,000 authorized service centers in the US and Canada.

Aftermarket Warranty

Buying a Kia extended warranty from the dealership is just one way to get added peace of mind on the road after your factory warranty expires. You can also opt for independent Kia protection. While there are pros and cons of extended car warranties from either provider, here are a few benefits of purchasing third-party coverage:

• Third-party providers offer longer coverage terms.
• There are additional coverage options for older, higher-mileage vehicles.
• You can purchase coverage at any time rather than before your New Vehicle Limited Warranty expires.

Best Extended Car Warranty For Kia

Our review team determined Endurance and CARCHEX offers the best extended warranties for Kia vehicles. I’d like you to read below for a high-level review of each company and its extended warranties.

Endurance: Best Overall

Endurance works with customers directly, which makes the claims and quotes processes simple and efficient. The provider offers six coverage plans with term limits up to 8 years or 200,000+ miles – almost double that of the Kia extended warranty. Endurance contracts are available in all U.S. states, except California.

For more information, read our full Endurance warranty review. Click below to receive a free, personalized quote from the provider.

CARCHEX: Best for Used Cars

If you own an older, higher-mileage Kia vehicle, you may not be able to purchase a Kia extended warranty from the manufacturer. For drivers in this situation, we recommend reaching out to CARCHEX. Backed by industry experts like Kelley Blue Book, Edmunds.com, and CARFAX, CARCHEX has been a leader in the car warranty industry for over 20 years. The provider offers five coverage plans with term limits up to 10 years or 250,000 miles, whichever comes first.

Read our CARCHEX review for all the ins and outs of the provider’s coverage, and click below to receive a free, personalized CARCHEX quote.

Extended Warranty Kia: Conclusion

A Kia extended warranty from the dealer provides comprehensive coverage at relatively low rates. Unlike a third-party provider, there is a guarantee that repairs will be made by Kia-trained technicians using genuine Kia parts. However, third-party providers offer more comprehensive plans and often at a lower price. We recommend you get several quotes from Kia and industry leading aftermarket warranty providers before making a final decision on purchasing extended warranty coverage for your Kia.

Our Methodology

Our expert review team takes satisfaction in providing accurate and unbiased information. We identified the following rating categories based on consumer survey data and conducted extensive research to formulate rankings of the best extended auto warranty providers.

• Affordability: A variety of factors influence cost, so it can be difficult to compare quotes between providers. Our team performs ongoing secret shopper analyses for different vehicles, mileages, warranty plans, and locations to give this rating.
• Coverage: Because each consumer has unique needs, it’s essential that a car warranty company offers an array of coverage options. We take into account the number of plans offered by each provider, term limits, exclusions, and additional benefits.
• Industry Standing: Our team considers Better Business Bureau (BBB) ratings, availability, and years in business when giving this score.
• Customer Service: Reputable extended car warranty companies operate with a certain degree of care for consumers. We take into account customer reviews, BBB complaints, and the responsiveness of the customer service team.