Is Lincoln's extended warranty worth it? (2021)

The driver can choose from 4 Lincoln extended warranty plans.

Lincoln extended warranty coverage can last up to 8 years or 150,000 miles.

Explore third-party options if your vehicle is no longer eligible for Lincoln coverage.

As the luxury offshoot of Ford, Lincoln vehicles can rack up high repair costs after a mechanical breakdown. A Lincoln extended warranty can help you save on major repairs, but do you really need long-term protection?

In this article, we’ll discuss the coverage details, benefits, and eligibility requirements of the Lincoln extended warranty. We’ll also explain your third-party warranty options.

We’ve rated and reviewed the best extended car warranty companies based on customer service, reputation, coverage, perks, and more. The Endurance, CARCHEX, and CarShield ranked at the top of our list – and you can get a free, customized quote from each by clicking below.

Featured Extended Warranty Companies

We reviewed the industry’s top extended auto warranty providers, and here are our featured picks.

Best Overall

Best for Used Cars

Low-Cost Plans

Endurance

CARCHEX

Select Auto Protect

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(866) 990-3410

(866) 950-7122

(860) 294-4933

Lincoln Extended Warranty Overview

Lincoln Extended Warranty Benefits

What’s Not Included in the Lincoln Extended Warranty?

Lincoln Extended Warranty Cost

Do You Need a Lincoln Extended Warranty?

Lincoln Reliability

Lincoln Repair Costs

What Lincoln Coverage Do You Already Have?

Benefits of a Third-Party Extended Warranty

Lincoln Extended Warranty Overview

There are four Lincoln extended warranty options, called Lincoln Protect Extended Service Plans: PremiumCARE, ExtraCare, and BaseCARE, and PowertrainCare. Each warranty plan can protect your vehicle up to eight years or 150,000 miles, whichever comes first.

Lincoln Extended Warranty

Coverage Terms

PremiumCARE

8 years/150,000 miles

ExtraCARE

3 years/36,000 to 8 years/150,000 miles

BaseCARE

3 years/36,000 to 8 years/150,000 miles

PowertrainCare

8 years/150,000 miles

A Lincoln extended warranty must be purchased before your factory Lincoln warranty expires. Here’s a snapshot of what’s covered under each plan:

Lincoln Extended Warranty

PowertrainCARE

BaseCARE

ExtraCARE

PremiumCARE

Total Parts Covered

29

84

113

1,000+

Engine????

Transmission????

Rear-Wheel Drive????

Front-Wheel Drive????

Steering????

Brakes???

Front Suspension???

Air Conditioning and Heating???

Electrical???

High-Tech Components?

Rear Suspension?

Emissions?

Audio?

Safety?

*System is only partially covered.

Each coverage plan pays for parts and labor for covered repairs. When a mechanical breakdown happens, you’ll only be responsible for paying your deductible.

If you sell your vehicle before your coverage expires, you’ll be able to transfer your Lincoln extended warranty to a subsequent owner. However, you may need to pay a transfer fee.

Lincoln Extended Warranty Benefits

The Lincoln extended warranty comes with a few extra perks, including:

Towing assistance

Destination assistance up to $75

Emergency travel interruption reimbursement up to $500

Rental car reimbursement up to $45 a day for a maximum of 10 days

24-hour roadside assistance, which includes tire changes, lockout services, battery jump-starts, and fuel deliveries

In some states, Lincoln also offers an add-on key service with its vehicle protection plans, which will replace or repair your car key or fob if it’s lost, damaged, or locked in your car.

What’s Not Included in the Lincoln Extended Warranty?

Regardless of what Lincoln extended warranty plan you choose, there are a few things that won’t be covered, including:

Collision damages

Environmental damages

Unauthorized modifications

Routine maintenance services

Wear-and-tear parts like brake pads and wiper blades

To get a complete list of Lincoln extended warranty exclusions, reach out to a local dealership or take a look at Lincoln’s online sample contracts.

It’s also important to note that you’ll need to take your car into a Lincoln dealership or Ford service center when covered repairs are needed. This can be a drawback if you live far from a dealership, but it does mean that your vehicle will only be worked on by factory-trained technicians using genuine parts.

Lincoln Extended Warranty Cost

The cost of a Lincoln extended warranty will vary depending on factors such as:

Your location

The plan you choose

The deductible you choose

Your vehicle age, mileage, and model

To find out what a Lincoln Protect Extended Service Plan would cost you, enter your vehicle information into the automaker’s online quote form.

Picking a more comprehensive plan like the PremiumCARE package will have a higher price tag, as additional coverage means additional cost.

Lincoln offers a number of deductible options for new and used cars. If purchasing coverage for a new Lincol

When you’re choosing your deductible, know that it directly impacts your monthly premium. A low deductible will generally result in a higher premium, and vice versa. A disappearing deductible refers to a plan that waives the cost of your deductible if you take your Lincoln to the selling dealership for a repair.

Do You Need a Lincoln Extended Warranty?

A Lincoln extended warranty may be worth it if you can’t afford unexpected out-of-pocket repair costs or if you just want additional assurance on the road. A few other factors you should consider before deciding on warranty coverage are your Lincoln’s reliability and average repair cost estimates as well as your existing coverage.

Lincoln Reliability

RepairPal gives Lincoln a 3.0 out of 5.0-star rating for its overall brand reliability. This rating is considered average, but it places Lincoln 24th out of 32 car brands. When deciding reliability ratings, RepairPal considers average annual repair costs, the frequency of repairs, and the percentage of vehicle repairs that are considered severe. A severe repair costs three or more times the average annual repair cost.

Lincoln is on par with the industry average in terms of frequency of repairs, but the brand has a higher likelihood of needing major fixes, which drives up the annual cost of repairs.

In the J.D. Power 2020 U.S. Vehicle Reliability Study

SM, Lincoln was in the top ten of the most reliable brands. The study monitors how many problems occur within 100 vehicles over the course of a year. Lincoln vehicles only had 119 issues total.

However, it’s also worth noting that Lincoln hasn’t won a J.D. Power Quality or Dependability Award in a few years.

Lincoln Repair Costs

According to RepairPal, Lincoln drivers pay an average of $879 per year for maintenance and repair costs. This is higher than the $652 an average driver pays per year, but it’s relatively reasonable for a luxury brand.

Different Lincoln models will incur different costs. Here are a few commonly reported Lincoln issues and their repair costs, according to RepairPal:

Lincoln Model

Repair

Cost Estimate

Lincoln Aviator

Blower motor replacement

$368 to $389

Lincoln MKZ

Powertrain control module replacement

$1,118 to $1,144

Lincoln MKZ

Window regulator motor replacement

$158 to $205

Lincoln MKS

Brake booster replacement

$491 to $565

Depending on your budget, purchasing a Lincoln extended warranty could help you manage these repair costs.

What Lincoln Coverage Do You Already Have?

Take your existing Lincoln coverage into account as well. You don’t want to pay for vehicle protection you already have. As we mentioned above, the Lincoln factory warranty comes with four years or 50,000 miles of bumper-to-bumper warranty coverage and six years or 70,000 miles of powertrain warranty coverage.

Certified pre-owned (CPO) Lincolns come with extended bumper-to-bumper coverage that lasts six years or 100,000 miles.

Benefits of a Third-Party Extended Warranty

If your Lincoln warranty has already expired, you will no longer be able to purchase a Lincoln extended warranty. Instead, you’ll need to look into third-party alternatives. Reputable extended car warranty companies are also a good option if you’re in the market for more flexibility and added peace of mind.

We recommend third-party providers like Endurance and CARCHEX because they offer low-priced coverage without compromising on value. These companies offer at least five different coverage plans with maximum term limits extending up to 20 years and 250,000 miles.

Another benefit of purchasing coverage from an independent warranty company is the ability to choose your start date. Manufacturers like Lincoln make extended warranty customers purchase their plan at the time of the vehicle’s purchase or before the New Vehicle Limited Warranty expires. This doesn’t grant you a lot of time to figure out the necessity of additional coverage.

Below, we’ve compared the Lincoln extended warranty head-to-head with Endurance and CARCHEX extended auto warranties.

Lincoln Protect ESP

Endurance Warranty

CARCHEX Warranty

Coverage Options

4

6

5

Maximum Term Limits

8 years/150,000 miles

8 years/200,000+ miles

10 years/250,000 miles

Coverage Waiting Period

None

30 days and 1,000 miles

30 days and 1,000 miles

Deductible Options

Varies

4

3

Repair Facility Options

Lincoln or Ford repair centers

Any repair shop certified by the National Institute for Automotive Service Excellence (ASE

®

), including dealerships

Any ASE-certified repair facility, including dealerships

Get a Quote

Contact a Lincoln dealership or visit Lincoln’s website

Get Quote

Get Quote

We encourage you to contact multiple suppliers for a quote before committing to purchase any extended warranty.