Can I buy a Ford extended warranty on a used car?

Yes. Ford offers extended service plans for used Ford vehicles in many cases, but eligibility depends on the car’s age, mileage, and the plan you choose (Ford Protect ESP through a dealer or a third‑party provider).

This article explains the main ways to secure Ford-backed protection on a used car, how third‑party warranties fit in, and practical steps to evaluate whether a warranty makes sense for your situation. It also clarifies what to watch for in the fine print and how to shop for the best value.

Ford ESP options for used vehicles

Ford’s own extended service plans can be available for certain used or Ford Certified Pre‑Owned vehicles through participating dealers. Availability and terms vary by model year, mileage, and the dealership’s program.

Here are the main ways you can obtain Ford protection on a used car.

• Ford Protect Extended Service Plans (ESP) for used Ford vehicles — ESP can be offered through participating Ford dealers on eligible vehicles, including some Ford Certified Pre‑Owned (CPO) models. Eligibility commonly considers the vehicle’s original in‑service date and mileage, with coverage options such as powertrain and comprehensive plans.


• Ford Certified Pre‑Owned (CPO) vehicles with optional ESP upgrades — Some CPO cars may be eligible for ESP upgrades beyond the base CPO warranty, giving an extended period of coverage beyond the standard CPO term.


• Limitations and terms vary — Availability and exact terms depend on model year, trim, mileage, and the dealer’s program. Always confirm current options with the selling Ford dealer.

In short, Ford ESP can be available for used cars, but eligibility depends on the specific vehicle and the plan details offered by the dealer.

Common coverage levels you’ll see

ESP plans typically come in a few tiers, with different scopes of coverage and deductibles. The most common levels include:

• Powertrain coverage — usually the core protection, covering engine components, transmission, drivetrain, and related parts.


• Comprehensive coverage — broader protection that can include many non‑powertrain components and systems, depending on the plan.


• Premium or bumper‑to‑bumper style options — the widest coverage, often including more mechanical and electrical components; these plans may include higher costs or deductibles.

Availability of each level depends on the vehicle and the specific ESP offering from Ford or the dealer. Always verify the exact coverages, deductible amounts, and limits for your car.

Third‑party extended warranties for used Fords

Beyond Ford’s own ESP options, many buyers turn to independent extended‑warranty providers to cover a used Ford. These plans are sold by non‑Ford companies and can vary widely in terms of coverage, price, deductibles, and network of repair shops.

Common options include:

• Endurance Extended Warranty — offers multiple plan tiers and can cover major powertrain and additional components; terms and exclusions vary by model and mileage.


• CarShield — provides several tiers that target different levels of coverage; pay attention to deductible structure and which parts are included.


• Protect My Car and other providers — offer similar long‑term protection; verify repair network, claim handling, and transferability.

Note: Third‑party plans are not backed by Ford and may include exclusions or restrictions. It’s essential to review the contract closely, verify regulatory compliance, and check the provider’s reputation and claim process before purchasing.

What to watch for with third‑party plans

When considering a non‑Ford warranty, look for transparency on deductibles, covered components, exclusions, waiting periods, and maintenance requirements. Also confirm whether the plan allows you to use any ASE‑certified shop or only a limited network, and whether pre‑existing conditions are covered if disclosed during purchase.

Thorough due diligence is essential; a cheap plan that offers little real protection can end up costing more in the long run than a better‑structured policy.

Should you buy an extended warranty for a used Ford?

Deciding whether an extended warranty is right for you depends on your risk tolerance, how reliable your specific model tends to be, and how long you plan to keep the car. Warranties can help manage the cost of unexpected repairs, especially for older vehicles or models with known high‑cost components, but they add ongoing expense and may come with deductibles and coverage limitations.

• Pros: Budget predictability for major repairs, peace of mind, potential access to a broad repair network.


• Cons: Upfront or ongoing cost, possible depreciation in value if you sell without using the plan, and the risk of not needing the coverage if the car remains reliable.


• Best fit for: High‑mileage vehicles, models with historically expensive repairs, or owners who prefer budgeting for potential breakdowns rather than paying out of pocket.

Ultimately, weigh the total cost of the warranty (premium plus any deductible) against your projected maintenance costs and how long you expect to own the vehicle.

How to buy and what to check

Carefully navigate eligibility, coverage, and contract terms to ensure you’re getting real value. Use these practical steps as a guide.

1. Check eligibility and scope — confirm whether Ford ESP or a third‑party plan applies to your specific vehicle (VIN, mileage, in‑service date) and what is actually covered.


2. Obtain quotes from multiple reputable sources — compare Ford ESP offers through the dealer with third‑party plans, noting deductibles, coverage limits, and claim processes.


3. Read the contract carefully — look for covered parts, exclusions, maintenance requirements, waiting periods, and whether the plan is transferable.


4. Ask about the claim and repair network — verify whether your chosen repair shops are in-network and whether OEM parts are used or allowed.


5. Check transferability and cancellation — understand whether the plan can be transferred to a new owner and any refund provisions if you cancel.


6. Be aware of pre‑existing condition rules — many plans exclude issues that existed before coverage began unless properly disclosed.


7. Make an informed purchase — after comparing options, choose the plan that best fits your driving habits and budget, and complete the purchase through the dealer or the warranty provider.

Keep all documentation and service records; a well‑documented vehicle can improve claim outcomes and help you maximize the value of any warranty you buy.

Summary

For a used Ford, you generally have viable paths to extended coverage: Ford’s own ESP options available through participating dealers on eligible vehicles, Ford CPO programs with possible ESP upgrades, and a range of reputable third‑party warranty providers. The key is to verify eligibility, compare terms, and assess whether the cost aligns with your risk tolerance and intended ownership period. With careful shopping and clear understanding of what each plan covers, you can secure meaningful protection against unexpected repairs while avoiding unnecessary expenses.

Can I add a Ford extended warranty after purchase?

Yes, you can buy a Ford extended warranty later, but it is generally more expensive and less comprehensive the longer you wait. You can purchase one while the original factory warranty is still active, or even after it has expired, as long as the vehicle has not exceeded certain mileage or age limits. Waiting too long may result in additional fees and surcharges. 
Purchasing a Ford extended warranty later

• While under original warranty: You can purchase a new vehicle plan for up to 41 months and 40,999 miles on a Ford (or up to 53 months and 54,999 miles on a Lincoln). This is the best time to buy as it is often cheaper, and you can add the cost to your car's financing. 
• After original warranty expires: You can still buy a plan for used vehicles, but you will likely need to pay a surcharge and may be required to have the vehicle inspected by a certified technician to confirm its eligibility for coverage. 
• Coverage and limitations: The plan's coverage can begin at the time of purchase or at the expiration of your factory warranty, whichever you choose. You must purchase the extended warranty before the vehicle reaches a certain age and mileage threshold, otherwise, it may no longer be eligible for a Ford Protect plan. 

Important considerations

• Price: The price of a Ford extended warranty increases over time and with mileage. 
• Surcharge: A surcharge is added to the price if you wait past a certain point. 
• Inspection: A vehicle inspection may be required for vehicles outside of their original warranty period. 
• Negotiate: The price is often negotiable, and you are not required to purchase the warranty from the dealer where you bought the car. 

Does Ford offer extended warranties on used vehicles?

Ford Protect Plans for New and Used Vehicles
Ford Protect offers four levels of extended plan protection for your Ford, Lincoln, and Mercury vehicles. The plans cover failures due to defects in materials and workmanship.

What is the average cost of a Ford extended warranty?

The average cost for a Ford extended warranty is around $1,314, but prices vary significantly based on factors like vehicle model, mileage, and desired coverage level. Basic plans can range from approximately $1,000 to $2,500, while comprehensive plans like PremiumCARE can cost between $1,500 and $4,500 or more. 
Factors that influence the cost

• Vehicle details: The cost depends on your specific Ford vehicle's model, year, and current mileage, as a newer, lower-mileage vehicle will be cheaper to cover than an older one. 
• Coverage plan: Ford offers various plans, from basic coverage (BaseCARE) to comprehensive protection (PremiumCARE). 
• Term length: Longer coverage terms (e.g., 8 or 10 years) will have higher price points than shorter terms. 
• Deductible: Choosing a lower deductible will increase the overall warranty price, while a higher deductible will lower the initial cost. 
• Commercial use: If the vehicle is used for commercial purposes, such as with a snowplow, the cost will likely increase. 

Examples of plan costs

• BaseCARE: Typically costs between $1,000 and $2,500.
• ExtraCARE: Can range from $1,200 to $3,000.
• PremiumCARE: Often ranges from $1,500 to $4,500. 

Tips for getting a good price

• Purchase early: Buying the extended warranty sooner, rather than later, can help secure a lower price. 
• Shop around: Get quotes from multiple sources, such as different dealerships or Ford's official website, to compare prices and options. 
• Consider your needs: Choose a plan that balances comprehensive coverage with your budget and vehicle's potential needs. 

Can you buy an extended warranty on a used Ford?

In addition to the Ford Certified Pre-Owned Vehicle Limited Warranty coverage you receive with your vehicle, you may also purchase additional Ford Extended Service Plan coverages. By choosing a Ford ESP, you add additional coverage to your vehicle in terms of time, mileage or covered components.