CarShield Review
The biggest VSC marketer, taking cars to 300K miles, with a 2024 FTC settlement buyers must know about. Independent CarShield review: 3.1/5 for auto warranty.
By Michael Hewitt, Founder & Editor-in-Chief. Rates last checked August 31, 2026.
Our verdict
At about $99 to $170 a month, with a $10M FTC settlement from July 2024 over deceptive advertising behind it, CarShield is for high-mileage cars, up to 300,000 miles, that other providers reject. It only markets the contract, and claims decisions rest with American Auto Shield. That split and the FTC record hold the grade down, so ask about the administrator before you sign.
Skip it if you live in California, or your car is new enough that other providers will cover it.
About CarShield
The biggest VSC marketer, taking cars to 300K miles, with a 2024 FTC settlement buyers must know about. CarShield is offered by NRRM, LLC (CarShield); administered by American Auto Shield. Our editorial rating is 3.1 out of 5.
Best for: High-mileage vehicles other providers reject, eyes open on the record.
Editorial grade: C+ (composite score 62/100).
Highlights
- Accepts vehicles up to 300,000 miles, among the highest limits in the industry
- Month-to-month contracts from ~$99/mo with $0-deductible options
- Six tiers from powertrain (Silver) to exclusionary (Diamond), plus motorcycle/ATV
What we like
- High-mileage and older vehicles that other brands decline
- Flexible month-to-month terms you can cancel anytime
- Direct payment to any ASE-certified shop via the administrator
Where it falls short
- July 2024 FTC settlement: $10M over deceptive marketing and telemarketing; $9.6M in refunds mailed to 168,000+ customers in Dec 2025
- CarShield is a marketer, not the administrator: claims decisions rest with American Auto Shield
- BBB customer score ~2.9/5 with a documented complaint pattern; not sold in California
Fees, minimums, and rates
Monthly fee: ~$99-$170/mo; deductibles $0-$250. Minimum to open: 30-day + 1,000-mile waiting period. Rates and fees last checked on August 31, 2026.
How we reviewed it
This is a desk review: we have not opened an account with NRRM, LLC (CarShield); administered by American Auto Shield. It is built from NRRM, LLC (CarShield); administered by American Auto Shield's published rates, fee schedule and terms and from the public complaint record, and compared with the other products in the Auto Warranty shortlist. The rubric is the same for every brand.
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Read our full editorial methodology for how we review products.