National Auto Coverage Review

Buying an extended warranty can be a stressful experience. Not only are there dozens of companies out there, it’s hard to determine which ones offer the best coverage and which ones will be a pain in your side the entire time. National Auto Coverage tries to take some of the pain out of the process by acting as its own administrator. This means that, whenever you interact with the company, you’ll be talking to someone from the actual company instead of a third-party.

About National Auto Coverage

National Auto Coverage offers three distinct coverage levels, and breaks pricing down by mileage within each one. The company receives good reviews for its customer service, which is due in part to the fact that it’s a direct administrator. Though there are no online claim filing options, most report a simple time filing a claim by phone.

Pros and Cons

  • National Auto Coverage is a direct administrator, so no third-party companies are involved
  • No inspections needed
  • Vehicle can be up to 20 years old
  • Available in all 50 states
  • BBB accredited with an A rating
  • Company does not cover many high-end cars
  • Relatively new company
  • Online claim filing not available

What is Covered by National Auto Coverage?

National Auto Coverage offers three levels of coverage for their policyholders to choose from. Please note that the sample contracts are just examples. As always, Car Talk recommends that you thoroughly read your contract before signing.

CoverageCovered ComponentsCoverage PeriodSample Contract

Which National Auto Coverage is Right for Me?

NAC covers cars that are up to 20 years old with up to 200,000 miles, but if your vehicle is much newer than that, you can likely get away with a lesser plan. The Bronze plan covers all powertrain components, the heating and cooling system, and much more. That’s good coverage, especially if your car is recently off its factory warranty. As your car ages, however, you’ll want to step up coverage and may want a more comprehensive plan. It’s worth noting that, while your vehicle can have up to 200,000 miles at the start of any plan, you are not limited to a mileage number while you’re covered.

How Much Does a National Auto Coverage Plan Cost?

National Auto Coverage offers three tiers of coverage, each with three mileage levels:

  • 0-80,000
  • 80,000-125,000
  • 125,000-200,000

The company says they offer coverage for as little as $49 per month. Make sure to speak with someone at NAC for a personalized quote.

How to File a National Auto Coverage Claim?

The only way to file a claim is to call National Auto Coverage’s phone line. The upside here is that you’re talking directly to someone at the company and not a third-party call administrator. Once you’ve filed a claim, NAC will work directly with the shop to handle covered repairs.

Is My Car Eligible for a National Auto Coverage Plan?

National Auto Coverage accepts vehicles that are up to 20 years old that have up to 200,000 miles. The company does not require a pre-coverage inspection, but does note that it will not offer coverage to higher-end vehicles such as sports cars and luxury vehicles. Once your vehicle is covered, you will have to wait at least 30 days and 1,000 miles before filing a claim.

Common Reasons National Auto Coverage Claims are Denied

National Auto Coverage says it covers the vast majority of claims it receives. That said, common reasons auto coverage claims are denied include:

  • Neglect - Ignoring routine maintenance is a great way to have your claim denied
  • Abuse - Racing your car or using it for a purpose other than it was designed
  • Wrecks and damage - If you wrecked your car, components involved in the crash may not be covered
  • Non-covered component - You won’t receive payment for a non-covered part, and similarly, if damage to a covered component is caused by a non-covered part, you may be on the hook for the cost

National Auto Coverage Ratings and Review

National Auto Coverage has earned great reviews from its customers and has received an “Excellent” rating from Trustpilot.

Positive reviews

*“I wasn't aware that the policy was only for 2 years and it would expire after.

I had rated it a 4 star.

After this review the general manager called me personally from his cell phone and explained the contract and clarified the misunderstanding. I was very surprised and glad that they strive for excellent customer service. I definitely made the right choice when it comes to my extended warranty.”

“I called National Auto Coverage to get a quote on an extended warranty for my car and they were so helpful. I was able to call the manager directly and he even gave me his personal number in case of emergency. They took care of all the paperwork and explained everything. It was super easy!”*

Negative reviews

“I paid for the coverage, been tryna contact the company, no response had to do a oil and transmission change and no response …paid out of pocket to changes fluid ..when coverage said they will pay.”

Read our full recommendations for the Best Extended Warranties in the industry here.


Can I Transfer My National Auto Coverage Warranty?

Yes, your National Auto Coverage warranty can be transferred to the next owner of your vehicle. It’s best to contact the company for the exact process in your situation.

Do I Need a Vehicle Inspection?

No, National Auto Coverage does not require you to get a vehicle inspection prior to opening a policy. That said, you do have to wait 30 days and 1,000 miles before filing a claim.

My Claim Was Denied. Can I Appeal?

You absolutely can and should appeal anytime a claim is denied. Companies make mistakes, sometimes the shop miscommunicates an issue, or any number of other things could have gone wrong to cause the denial. You may not be successful, but you’ll at least be able to gather the facts and make sure you’re getting what you pay for.

Is National AUto Coverage Legitimate?

Yes, the company offers coverage for vehicles with up to 200,000 miles, and is BBB accredited with an A rating.

Editor's note and disclaimer: Car Talk is supported by our fans, readers and listeners. When you click on some of the links on our website, we may receive referral compensation. However, you should know that the recommendations we make are based on our independent editorial review and analyses.
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