Peace of mind while you’re on the road. Protect your drive and your wallet.

If you're a vehicle owner, you know what it's like to face an unexpected repair. Sometimes the cost just to keep your car on the road is enough to put a serious dent in your bank account.

That’s where Toco comes in.

Our month-to-month subscription plan provides assurance that the cost of major repairs will be covered and you’ll be back on the road in no time.

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The rising costs of car repairs can be overwhelming. We are here to help manage these expenses effectively.

Here's why Toco makes sense:

Extended Ownership Costs

On average, the longer vehicle ownership is, the higher the probability of higher costs. The pandemic has shifted consumer habits, affecting 1.2 million people who decided to keep their cars longer, increasing their spending on maintenance and repairs.

Average Car Maintenance Costs

The average car owner spends $500-$700 per year on maintenance and occasional repair needs, though costs can vary significantly: a five-year-old car could cost around $1,000 annually.

Car repair costs are up almost 20%

According to the consumer price index — in the past year prices rose more than six times the national inflation rate and among the largest annual price increases of any household good or service.

How it works

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Call our team

When your vehicle breaks down, reach out to our award-winning Customer Care team, and we’ll take it from there.

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Get help fast

Toco will tow your vehicle to the mechanic of your choice, or provide jump-starts, locksmith help, tire changes, and fuel delivery.

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Toco pays the bill

While your vehicle is being repaired, Toco will provide a rental car. Once repairs are complete, we pay the shop directly.

Three coverage options to choose from

Peace of mind backed by our award-winning customer care.

Powertrain Plus

Perfect for vehicles with extended powertrain

Premium
Engine
Transmission
Drive Axle
4x4 Transfer Case
Cooling System
Air Conditioning
Electrical
Brakes
Suspension
Non-Powertrain Parts WATER PUMP, FUEL PUMP
& ALTERNATOR
INCLUDED WITHIN OTHER
LISTED SYSTEMS
INCLUDED WITHIN OTHER
LISTED SYSTEMS
Monthly Rate $200 Deductible = $59.95 $200 Deductible = $59.95 $200 Deductible = $99.95

Annual limit of liability is $5,000 and up to two claims per year. The vehicle must be under 15 years old and 150,000 miles at the time of enrollment. 60 day and 1,000 mile waiting period. All plans include a $75 roadside reimbursement per repair and a $120 car rental reimbursement per repair.



All plans include

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Concierge Services

Our dedicated team will guide you through claims, repairs, and questions—so you’re never left guessing.

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Roadside Reimbursement

Get back on the road, stress-free. We’ll reimburse your roadside assistance costs to keep you moving.

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Your Preferred Mechanic

Repairs done where you trust. Take your car to the mechanic of your choice, and we’ll handle the rest—no need to compromise.

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Rental Reimbursement

Stay on the go while your car’s in the shop. We’ll cover your rental car expenses so you’re never without a ride during repairs.

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Members-only benefits

Your plan includes free oil changes from Take 5, 24/7 roadside rescue, rental car coverage and much more.

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Month-to-month Repair Coverage

We cover most of what can and will go wrong with your car.

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Award-Winning Customer Care

Rated highest in customer satisfaction, our award-winning concierge will be with you every step of the process.

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Openbay+ Membership

Enjoy access to discounted vehicle maintenance and repair services with a nationwide network of high-quality service professionals.

Here’s what drivers love about Toco

Cora K

5.0/5.0 rating

"I had to file a claim for a repair and was pleasantly surprised by how smooth the process was. The repair shop was able to communicate directly with Toco Warranty, which saved me time and hassle. The claim was approved quickly, and I was able to get my car back on the road without any issues."

Amber G

5.0/5.0 rating

"The representative was awesome!! He gave me a really good discount for my car!! This dude should get a raise!!! GIVE THIS MAN A RASIE! He knows what us blue collar folks are going through as far as finance goes!"

J B

5.0/5.0 rating

"I was looking for warranty and pulled up 5 best companies and Toco pop up. I see why, the customer service and my agent was excellent in explaining everything clearly. I would recommend them to anyone look for vehicle warranty."

Marcus B

5.0/5.0 rating

"My Customer Service Representative was very professional, courteous and informative. He provided me with excellent service and carefully explained all options associated with my contract, even taking time to fully explained new options and features I didn't know about. I'm pleased with the service I received from him."

Kayla B

5.0/5.0 rating

"Excellent service. The rep answered all of my questions & explained everything clearly. Very surprised by the rates & coverage I received. When I hung up I had a peace of mind & confidence knowing just purchased a \"warranty\" for my vehicle with basically no risk of losing any money."

Tevin B

5.0/5.0 rating

"The customer service experience was excellent. She was detailed, precise, and fluent when it came to selling the product. She also gave me a good comparison. I love the fact that she was willing to sign me on immediately as far as getting me covered because I drive a lot and I want to be safe than sorry down the road."

Bettie S

5.0/5.0 rating

"Very good service. Taking time to listen to my problem and quickly helping me get my vehicle back. The car repair shop was well please. The deductible was reasonable. I really dislike when my vehicle is down. So happy to have it back running again."

Carl B

5.0/5.0 rating

"Experience with Toco warranty have been great. Great value, great interest, plenty more, they fix plenty of mechanical issues. They have towing services, roadside assistance, mechanical, ASE certified, low down payment, low monthly installments. I would recommend Toco warranty to anyone out there who looking for car Shield."

Barry W

5.0/5.0 rating

"She laid everything down flat to me. She was very knowledgeable of the service and that I give her a 10 for the fine work she did to me. Seem better than what's the other company's had to offer. Now I will feel better about driving my car more."

Katherine S

5.0/5.0 rating

"I loved the professionalism and great customer service. The ease of purchasing and being given the value of the product was awesome. Really enjoyed the customer service and support. To know that I will be able to get my cars fixed and have peace of mind really makes me so happy. Toco Warranty is a solid company that treats its customers like family."

Sydney M

5.0/5.0 rating

"My experience with purchasing my car warranty was excellent and easy. I'm very satisfied with the outcome. Thank you Toco. I am pleased to have made my experience easy and very satisfying, and the customer service was excellent and the reps are very polite."

Don't miss out on this exclusive benefit. Discover Toco at Work!

For more information about Toco’s comprehensive vehicle repair protection, top-notch concierge services, reliable roadside assistance, and hassle-free repair coverage, contact Toco at Work at (800) 262-6458.

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