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Toyota Extended Warranty

David Straughan
Edited by: Content TeamReviewed by: Research Team
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Crash Course:

  • A Toyota extended warranty can provide up to 10 years or 120,000 miles of vehicle protection in combination with the factory warranty.
  • The average cost of a Toyota extended warranty is around $243 per year, based on our research.
  • Toyota earned an overall score of 4.1 out of 5.0 for its three extended warranty plans: Platinum, Gold, and Powertrain.
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idée We recommend Endurance as the best warranty provider
  • Best Overall
  • Coverage Plans: 6 options plus maintenance plan
  • Odometer Limit: Up to 200,000 miles
  • Free Cancellation: 30-day money-back guarantee
  • Longest Term: 8 years of coverage
  • Discounts: $300 same-day signup discount, $250 shopping voucher, and others
Plan coverage includes Endurance Elite perks™
Factory-level bumper-to-bumper plan Free membership for first year
Multiple powertrain/mid-level choices $500 collision discount
Scheduled maintenance coverage Tire repair or replacement
24/7 emergency roadside assistance Total loss protection up to $1,000
Trip interruption reimbursement Key fob replacement and repair
Rental vehicle coverage Endurance mobile app
Towing allowance $250 credit with shopping or dining partners

A Toyota extended warranty can help you keep your auto repair expenses predictable and maintain peace of mind on the road, but is the coverage you receive with a Toyota extended warranty worth the cost?

In this article, we’ll explain the average Toyota extended warranty cost by looking at what customers have reported paying for their contracts. We’ll also explain what coverage is included with every new Toyota and other options for extended warranty coverage.

Table of Contents show

Toyota Vehicle Service Agreement: Overview

Every new Toyota comes with a three-year or 36,000 mile factory warranty that covers the cost of repairs needed due to workmanship or material faults. After the factory warranty expires, you can continue that coverage with a Toyota extended warranty, also known as a Toyota Vehicle Service Agreement (VSA).

Unlike the factory warranty that comes with your new Toyota, an extended warranty comes at an additional cost.

Toyota Extended Warranty Review

The Toyota extended warranty program earned an overall score of 4.1 out of 5.0 in our 2024 automaker extended warranty study. Each of the three plans offered by the automaker provides solid coverage at affordable rates. However, because Toyota vehicles are among the most reliable on the road, owners are less likely to use that coverage within the warranty period.

In the table below, you’ll find a category breakdown of how Toyota performed in our automaker extended warranty study.

CategoryToyota Extended Warranty Score
Overall4.1
Coverage4.5
Cost4.6
Accessibility/Usability3.5
Benefits4.1

Toyota Extended Warranty Coverage

Like many automakers, Toyota offers multiple tiers of vehicle service protection and term lengths can extend as long as 10 years/120,000 miles. All Toyota extended warranties are also transferable to subsequent owners and can be canceled for a prorated refund.

Toyota Extended Warranty Options

There are three Toyota extended warranty contracts to choose from. In the table below, you’ll find an overview of each of these options.

Toyota Extended WarrantyCoverage TermsDescription
PlatinumRanges from 3 years/50,000 miles to 10 years/125,000 milesHighest level of coverage that includes the majority of vehicle components and is most similar to new vehicle coverage
GoldRanges from 3 years/50,000 miles to 10 years/125,000 milesCovers many vehicle components beyond the powertrain, including the air conditioning and brakes, but is not quite as extensive as the Platinum vehicle protection plan
PowertrainUp to 6 years/100,000 milesOffers powertrain protection for the engine, transmission, drive axle assembly, and related components

What Does Toyota Extended Warranty Cover?

The table below identifies what each of the Toyota extended warranty plans offer.

Covered ComponentPlatinum Plan CoverageGold Plan CoveragePowertrain Plan Coverage
Enginecheck mark grey bgcheck mark grey bgcheck mark grey bg
Differentialscheck markcheck markcheck mark
Drive Wheel Systemcheck mark grey bgcheck mark grey bgcheck mark grey bg
Transmission Systemcheck markcheck markcheck mark
Axle Assemblycheck mark grey bgcheck mark grey bgLimited components
Air Conditioning and Heatingcheck markcheck markLimited components
Hybrid Fuel Systemcheck mark grey bgcheck mark grey bgLimited components
Fuel Injection Systemcheck markcheck mark 
Steering Systemcheck mark grey bgcheck mark grey bg 
Cooling Systemcheck markLimited components 
Suspension Systemcheck mark grey bgLimited components 
Electrical Systemcheck markLimited components 
Brake Systemcheck mark grey bgLimited components 
CV Bootscheck mark  
Navigation Systemcheck mark grey bg  
Audio Systemcheck mark  
Fluid and Gassescheck mark grey bg  

Toyota Extended Warranty Plans

In the following sections, you’ll find detailed descriptions of each of the three Toyota extended warranty plans. Expand the section to read more.

Toyota Platinum Extended Warranty

The Platinum Protection plan is the highest extended warranty coverage Toyota currently offers through its vehicle service agreement program. The plan delivers comprehensive, bumper-to-bumper vehicle protection, covering all major mechanical and chassis systems and many other non-essential cabin components. The Platinum Protection plan covers nearly all of your vehicle’s parts, from brakes to air conditioning to the power seat computer.

While the Platinum protection plan has the same eligibility rules as the Gold Protection plan, its coverage period is longer. Platinum Protection VSAs can be added to a new Toyota for terms ranging from three years or 50,000 miles to 10 years or 125,000 miles. Additionally, used Toyotas can be covered for one year or 12,000 miles up to five years or 60,000 miles with the plan.

Finally, several added perks come with the Toyota Platinum Protection Plan. For example, drivers covered by this package don’t have to worry about submitting any claims, as Toyota will pay the dealer directly. Platinum Protection plan holders also have higher rental car reimbursements at $50 per day, and meals and lodging at $100 per day, if more than 150 miles from home (for a maximum of five days).

Toyota Gold Extended Warranty

Gold Protection is Toyota’s mid-level extended warranty plan, offering more robust coverage than the powertrain plan without the premium cost of Platinum Protection. Overall, the Gold plan offers extensive protection, as it covers over 100 more parts than Powertrain Protection. If a breakdown prevents you from using your car, you’re also entitled to rental car reimbursements up to $35 per day, and meals and lodging up to $50 per day, if you’re more than 150 miles from home (for a maximum of four days over the warranty).

Gold Protection also comes with more flexible terms. Although it has the same eligibility rules for new cars, the plan is also eligible for used cars within the current plus 9 model years old and up to 150,000 total miles. You can choose terms of three years or 50,000 miles up to eight years or 125,000 miles for a new Toyota. The terms are shorter for used Toyotas, ranging from one year or 12,000 miles up to five years or 60,000 miles.

Toyota Powertrain Extended Warranty

The Powertrain VSA is Toyota’s basic extended warranty plan. As such, it offers key component coverage for your vehicle’s drive systems, covering any repair costs or replacements of your engine, axle assembly, transmission, and other components essential in making the vehicle move. Though it is still an entry-level extended warranty held back by a hefty list of component coverage limits, unlike competing powertrain warranties, Toyota’s Powertrain Plan also includes coverage for a limited selection of shift control and driveshaft axle assemblies.

This powertrain warranty is available for new cars, meaning those less than 3 years old and with fewer than 36,000 miles. Used cars within the current plus 12 model years old and up to 150,000 total miles are also eligible. New Toyotas can be covered up to six years or 100,000 miles, and used Toyotas can be covered up to two years or 24,000 miles.

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Toyota Extended Warranty

Toyota Extended Warranty Benefits

Additionally, all Toyota extended warranty plans come with perks to supplement the mechanical breakdown coverage. These include:

  • Roadside assistance and towing benefits
  • Trip interruption coverage – also known as travel protection – if you break down far from your home
  • Rental car reimbursement while your vehicle is in the repair shop

Toyota Extended Warranty Cost

By compiling user-reported data online, we found that the average cost of a Toyota extended warranty is around $243 per year. However, like most warranty providers, Toyota does not publish its extended warranty rates publicly.

In general, extended warranty costs can vary dramatically. This average can give you a good idea of the general range you can expect to pay for a plan, but your costs will likely be different. That’s because there are a number of factors that can affect the cost of coverage.

Expand the section below to learn more about these factors.

Toyota Extended Warranty Prices: Influencing Factors

While the estimated cost above is a solid indicator of what you should expect to pay for Toyota extended warranty coverage, the actual price you are quoted from the dealer depends on several factors. These include:

  • The coverage level you choose: The coverage you choose is a major factor that affects the price you will pay. Extended warranty plans come with a choice of coverage levels, all of which have varying price levels. Toyota’s Powertrain Protection, for example, is a basic plan that covers only major engine and auto components. Platinum Protection, on the other hand, offers comprehensive coverage and higher reimbursements. Of course, the more comprehensive warranty coverage and service you opt for, the more your extended warranty plan will cost. 
  • Additional warranty perks: In some vehicle service protection plans, selecting optional add-ons will increase your premium rate.
  • Vehicle model: There is a large variation in the size, cost and performance of Toyota models, from a $15,650 lightweight Yaris to a $58,500 fuel cell-powered Mirai. If your car requires special parts and services, you can expect higher Toyota extended warranty costs, as well.
  • Vehicle Age and Mileage: Once a car has passed its prime, it becomes more expensive to cover. For this reason, historically unreliable vehicle models or older vehicles typically have higher monthly premiums. As a result, the car’s age and mileage play a big part in determining your vehicle’s overall eligibility and which plans are available to you. For example, cars under 3 years old with fewer than 36,000 miles can be covered by all of Toyota’s extended warranty plans. On the other hand, any vehicle more than 12 model years old prior or 150,000 miles isn’t eligible for coverage.
  • Deductible amount: No matter which plan you choose, Toyota offers $0 or $100 deductible options. This is the dollar amount you elect to pay for any authorized claims related to a single repair or replacement. Choosing no deductible will usually mean higher monthly premiums or total contract cost, while a higher deductible can lower your premium payments or total contract cost.
  • Financing: Another factor that can affect the cost of your extended warranty is whether your warranty is bundled with your car financing. This type of agreement should be avoided if at all possible, as you end up paying extra due to the added interest on your extended warranty as well as on your car.
  • Existing (stacked warranty coverage): If your extended vehicle service plan is stacked with a factory warranty, premiums for the extended warranty will be significantly less expensive.
  • Choice of provider: The average Toyota extended warranty cost can differ from dealership to dealership. Moreover, extended warranty plans aren’t just available through the manufacturer – you can get them from third-party warranty companies as well. There is also a considerable difference in affordability between major dealerships and third-party warranty providers. By widening your warranty search, you have the choice of more affordable plans and payment options. Also, you won’t be limited to getting your car serviced only within Toyota’s network.
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Is The Toyota Extended Warranty Worth It?

An extended warranty for a Toyota can potentially save you money on the cost of repairs over the length of the contract. However, there’s no guarantee that it will. Still, extending your coverage can provide a few other benefits beyond the basic financial value.

Below are a few reasons our team believe a Toyota extended warranty is worth it:

  • Predictable finances: When you buy an extended warranty, you trade the risk of getting hit with surprise repair bills for a regular monthly payment or an upfront fee. This can make financial planning simpler and much more predictable than waiting around for the next thing to happen.
  • More manageable payments: An extended warranty can also be helpful to people who don’t always have access to a large enough cash fund to cover potentially major repairs. Smaller regular payments – or an addition to auto loan payments – may simply be more manageable.
  • Peace of mind: Another benefit to consider is the peace of mind that comes with an extended warranty. Breakdowns can be inconvenient and stressful. Having coverage can at least remove the stress that comes with the question of, “How am I going to pay for this?” Not having to come up with a way to pay for repairs means you can get your Toyota into the shop right away without hesitation.

Toyota Reliability

Overall, Toyotas are known for their dependability as the company makes affordable, durable and reliable cars. RepairPal ranks the brand eighth out of 32 manufacturers for reliability. In 2019, Toyota vehicles accounted for half of the 38 most reliable new cars in a list compiled by U.S. News & World Report.

For years, Toyota has been one of the best-selling brands around the world. According to Motoring Research, the Japanese manufacturer had the highest number of car registrations (the only one to break eight million) in 2018. It is also ranked in Fortune Global 500 as the 10th largest company in the world, according to revenue figures from December 2019.

Ultimately, looking at a car’s reliability rankings, common issues, and associated repair costs is one of the best ways to determine whether extended warranties are worth it.

How Long Do Toyotas Last?

The average ownership of a Toyota is about 10 years – long after the standard three-to-five-year factory warranty. Studies show that 10 of the 15 cars that people keep the longest are Toyota models. Since longer ownership leads to increased maintenance and repair costs over time, the benefits of extended coverage increase at a steep rate after the factory warranty expires.

Toyota Maintenance Cost

In addition to being one of the most reliable auto brands on the market, Toyotas also have relatively inexpensive maintenance costs. According to data from RepairPal users, Toyotas’ average annual maintenance and repair cost is $441 per year.

We’ve listed five potentially expensive component exclusions to keep in mind:

Excluded Toyota ComponentEstimated Repair Cost
Master cylinder reservoir (brake engagement)$211 to $260
Mixture control valve (engine combustion)$115 to $500
Radial ball bearing (clutch release)$346 to $500
Exhaust gas recirculation valve (engine cooling)$147 to $548
Catalytic converter (emission control)$945 to $2,475

Read More: Toyota Maintenance Cost Guide

Toyota Car Repairs

Even with Toyota’s well-founded reputation for reliability, it’s important to remember all cars aren’t immune to mechanical issues. Some particular models, even ones known for their reliability, have higher maintenance costs than others.

Here are three of the most common problems affecting three of the most reliable Toyota models and their repair costs:

Model of ToyotaToyota Repair DescriptionCost Range
Toyota CorrolaAn engine starter repair$401 to $477
Toyota TacomaFixing a lower ball joint$223 to $519
Toyota HighlanderRepairing a faulty oxygen sensor$817 to $1,799

Toyota Warranty Check

Checking whether or not your Toyota is currently covered under warranty is incredibly important if you’re considering purchasing a Toyota extended warranty. Remember: you can only buy an extended warranty from Toyota while your original manufacturer warranty is still valid.

Expand the sections below to learn about the Toyota factory warranty and the warranties that come with some used Toyotas.

Toyota Factory Warranty

Toyota’s factory warranty is added to your vehicle upon purchase at the dealer. The factory warranty coverage is included at no additional cost with any new Toyota and transfers to subsequent owners if coverage is still valid when a vehicle is sold.

The terms of your factory warranty are very different from what you’ll see in extended warranty plans. Below you can check to see if your Toyota is still under warranty:

Toyota Factory WarrantyCoverage TermDescription
Basic Bumper-to-Bumper Coverage Warranty36 months (3 Years) or 36,000 milesCovers most vehicle components, minus a short list of exclusions
Powertrain Coverage Warranty60 months (5 Years) or 60,000 milesCovers powertrain components like the engine, transmission, and drivetrain
Corrosion Perforation Warranty60 months (5 Years) or unlimited milesRust coverage warranty that will replace sheet metal body parts if they corrode or rust through
Restraint Systems Warranty60 months (5 years) or 60,000 milesCovers restraint system parts like seat belts and latches
Emission Control Systems Warranty Up to 96 months (8 years) or 80,000 miles (Varies from state to state)Coverages vary under federal and California regulations
Hybrid Coverage *96 months (8 years) or 100,000 milesCoverage of hybrid-related components like batteries and electric engines.
ToyotaCare**24 months (2 years) or 25,000 milesNo cost maintenance plan that covers scheduled maintenance.
ToyotaCare Roadside Assistance24 months (2 years) and unlimited miles24-hour roadside assistance including jump-starts, fuel delivery, and towing

*Hybrid battery coverage for 2020 models lasts 10 years or 150,000 miles.

Though not technically a warranty, new Toyota vehicles also come with two free years of ToyotaCare – Toyota’s prepaid scheduled maintenance coverage. They also come with two years of roadside assistance. After ToyotaCare expires, drivers can purchase a ToyotaCare Plus, a pre-paid maintenance plan.

Read More: Toyota Warranty

Toyota Certified Pre-Owned Warranty

Not every used Toyota comes with warranty coverage, but certified used vehicles do. Referred to by many manufacturers as certified pre-owned (CPO), these vehicles have been inspected and verified by Toyota to be mechanically sound and up to specific standards.

As a result, Toyota CPO vehicles come with their own warranties that add on to the factory coverage. These include:

  • Toyota CPO limited comprehensive warranty (1 year/12,000 miles): This bumper-to-bumper plan comes with every Toyota CPO vehicle, including hybrid Toyota vehicles. Coverage begins from the date of the used vehicle purchase.
  • Toyota CPO limited powertrain warranty (7 years/100,000 miles): This plan provides basic powertrain protection that includes coverage for all internally lubricated parts, which includes major engine and transmission components from the in-service date.

Read More: Best CPO Warranty

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How To Check Toyota Warranty

If you are unsure of whether or not your Toyota is still under factory warranty, it’s easy to find out in one of a few ways. Follow these simple steps to check whether your Toyota is still under warranty:

  1. Note your vehicle identification number (VIN) and your Toyota’s mileage: You can find your VIN in several places on the vehicle. The easiest places to access are in the driver’s side door jamb and where the dash meets the windshield on the driver’s side. Your mileage will be displayed on your odometer. Depending on your vehicle, you may have to turn it on to read it.
  2. Call a Toyota dealer: Once you have followed step one and written down your vehicle’s mileage and VIN, you’ll have everything you need to check your Toyota warranty status. Calling your local Toyota dealer is one of the best ways to get official confirmation of your vehicle’s warranty status.
  3. Use an online portal: While many drivers have a great relationship with their local Toyota dealership, some prefer to do their own research. There are several sites that can check your Toyota’s warranty status. Just be aware that many of them will use this information to try to sell you an extended warranty.

Aftermarket Extended Warranty Companies

Toyota dealerships are not the only places you can purchase extended warranties. Many third-party companies offer warranty plans that are cheaper and customizable to your needs. You’ll often get a better deal on an extended warranty by approaching a third-party provider. For these reasons, comparing prices from independent coverage providers is smart when you get a quote from a manufacturer.

Are Third Party Extended Warranties Worth It?

While they don’t carry the brand certification that the official Toyota extended warranty plans do, independent warranties have a few distinct advantages over the automaker’s plans. Expand the section below to learn more about them.

  1. Use the repair shop of your choice: Factory extended warranties may also include price markups and dictate that all repairs be performed only at the dealership, while third-party companies have more competitive pricing and allow you to use the certified repair shop of your choice. A third-party warranty provider will generally approve coverage for service work and repairs billed to any mechanic who’s certified by the National Institute for Automotive Service Excellence (ASE®).
  2. More customization: Third-party extended warranty plans are not geared toward a specific auto brand, encouraging a more transparent and flexible approach to coverage customization. Compared to factory coverage, an extended auto warranty is generally easier to customize and tweak for unique coverage and pricing needs.
  3. Longer coverage periods: While customization choices will ultimately depend on the warranty provider’s flexibility, it’s not unusual to build your extended warranty plan according to projected driving mileage and the length of time you plan on owning and operating your vehicle. Because of this, independent extended warranty providers typically offer longer coverage lengths than manufacturers.
  4. Lower prices: Third-party warranty providers are competing for attention from all types of vehicle owners, not just Toyota owners. This heightened level of customer competition typically translates to more affordable monthly premiums.
  5. More coverage levels: While Toyota offers three good plans, many other extended warranty providers offer more than that. For example, CARCHEX has five levels of coverage, all of which are customizable. Endurance also offers comprehensive coverage plans, with six tiers of plans to choose from.
  6. Purchase coverage at any time: You can only buy a Toyota VSA while the vehicle is under its factory warranty, or in the first three years or 36,000 miles of its life. Third-party extended car warranty companies allow you to buy coverage at almost any time, whether your car is new, used, or certified pre-owned. Even cars with well over 100,000 miles can be protected, which is likely for a reliable car like a Toyota.
  7. Buy a Toyota extended warranty online: If you choose to purchase an extended warranty, you can buy it from your local Toyota dealership or an independent provider. Toyota extended warranties must be purchased through a dealer, while third-party alternatives can be purchased online.
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Toyota Extra Care: Conclusion

To help you make a more informed decision and find the most comprehensive and cost-effective warranty plan for your car, we thoroughly researched both Toyota extended warranty options and third-party plans. In this article, we looked at the pros and cons, coverage options, and costs of Toyota Extra Care, more commonly known as Toyota’s extended warranty plans. We compared Toyota Extra Care to what we think are the best extended car warranty companies.

Endurance
4.6
Industry Standing: 4.4/5.0
Coverage: 4.9/5.0
Affordability: 4.5/5.0
Transparency: 5.0/5.0
Customer Service: 4.4/5.0
Explore Plans
idée We recommend Endurance as the best warranty provider
  • Best Overall
  • Coverage Plans: 6 options plus maintenance plan
  • Odometer Limit: Up to 200,000 miles
  • Free Cancellation: 30-day money-back guarantee
  • Longest Term: 8 years of coverage
  • Discounts: $300 same-day signup discount, $250 shopping voucher, and others
Plan coverage includes Endurance Elite perks™
Factory-level bumper-to-bumper plan Free membership for first year
Multiple powertrain/mid-level choices $500 collision discount
Scheduled maintenance coverage Tire repair or replacement
24/7 emergency roadside assistance Total loss protection up to $1,000
Trip interruption reimbursement Key fob replacement and repair
Rental vehicle coverage Endurance mobile app
Towing allowance $250 credit with shopping or dining partners

Best Extended Warranty For Toyota

Based on our research, the best aftermarket extended warranty for Toyota is through Endurance. However, there are three great warranty options from third-party extended warranty providers. The three extended warranty providers we recommend are Endurance, CARCHEX and CarShield. To compare them head to head, you can read more about these companies in our full reviews below:

Toyota Extended Warranties: FAQ

Below are some common frequently asked questions about Toyota extended warranties:

Is it good to buy an extended car warranty?

Yes, in most cases, buying an extended warranty is an excellent way to provide your new or used vehicle with long-term protection. However, they’re not the best choice for every driver, so take your financial situation into account.

What’s covered by Toyota’s extended warranty?

It depends. Toyota has several extended service plans that range from 2 years/24,000 miles to 10 years/100,000 miles. Below are more specifics about the protection provided by each coverage level:

Toyota Platinum Protection covers an exhaustive list of powertrain and cabin systems. The second Toyota extended warranty option, Gold Protection, is a mid-level coverage option with a significant number of component coverage exclusions. Toyota’s entry-level extended warranty tier, Powertrain Protection, only guarantees coverage for essential powertrain components, such as the engine, transmission, and axle-assembly systems. 

Is Toyota’s extended warranty refundable?

Yes, Toyota’s extended vehicle service protection plans can be canceled for a full refund if you change your mind within 30 days of purchase. After the initial 30-day period, your extended Toyota warranty will be refunded under a prorated model, minus a $50 administrative processing fee.

The same is true for most third-party extended car warranty companies.

Can I buy a Toyota extended warranty later?

Yes. You can buy a Toyota extended warranty at any time in the first 3 years/36,000 miles you own the vehicle while the factory warranty is still in effect.

Are extended car warranties a good idea?

This also depends. Extended car warranties do add a cost to vehicle ownership, but they can help you keep your finances predictable and give you peace of mind on the road by knowing you won’t face major unexpected repair bills.

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.

  • Industry Standing: Our team considers Better Business Bureau (BBB) ratings, availability, and years in business when giving this score.
  • 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.
  • 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.
  • 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.

*Data accurate at time of publication.

Toyota Extended Warranty
2019 Toyota Land Cruiser 23 8DA7BDE8EC3C2C1EF068707267F3D54485015475

Our team rated Toyota extended warranty 4.1 out of 5.0 stars.

Product Brand: Toyota

Product In-Stock: InStock

Editor's Rating:
4.1