American Auto Shield

What American Auto Shield does

American Auto Shield, Inc. is a privately held third-party vehicle service contract claims administrator founded in 2002 and headquartered in Lakewood, Colorado, with additional operations offices in Florida (Coconut Creek) and Missouri (St. Peters) plus remote staff in select states. The company administers vehicle service contracts, mechanical breakdown insurance (California-specific), and powersport protection programs (motorcycle, ATV, off-road motorcycle), backed by A.M. Best Company 'A' (Excellent) rated insurers. Its product portfolio spans multiple coverage tiers (Diamond exclusionary down to Powertrain), electric vehicle-specific modules, and add-ons including Luxury Electronics Package, Emissions Coverage, Market Labor Rate, and Rideshare Coverage. Core technology comprises an online claim filing system, document upload portal, and ASE Certified claims adjustment workflow, with a preferred Shield Repair Network for facility routing and integration with Roadside Protect, Inc. for 24/7/365 emergency services.

The company operates a B2B distribution model serving automotive dealers, agents, direct marketers, membership organizations, and lenders, supplemented by a direct-to-consumer channel via the CarShield broker relationship and a Florida-administration license (Florida Company Code 14044). Revenue is generated primarily through managed-services claims administration, flexible aftermarket product development for partners, and marketing/regulatory research solutions. Pricing follows a recurring monthly subscription model with tiered coverage and mileage bands (up to 250,000 miles on standard contracts; up to 120,000 miles on California MBI). American Auto Shield has no disclosed parent company, no funding rounds, and no public revenue filings; it was recognized as a USA Today Top Workplace in both 2023 and 2024 and relocated its Colorado headquarters in 2024. Jason Currier serves as President. The company faced regulatory exposure in 2024 when its partner CarShield settled FTC charges over deceptive advertising, with $9.6 million subsequently distributed to over 168,000 affected consumers in December 2025.

Name

American Auto Shield

Legal name

American Auto Shield, Inc.

Website

https://americanautoshield.com

Company type

Private

Founded year

2002

Operating status

Operating

Headcount range

501–1,000 employees

Short description

American Auto Shield is a privately held, Colorado-based third-party administrator founded in 2002 that develops and administers vehicle service contracts, mechanical breakdown insurance, and powersport protection programs for dealers, agents, direct marketers, membership organizations, lenders, and the CarShield broker channel.

Ownership category

akta.pro rank

Product category

Vehicle Service Contract Administration

akta.pro primary industry

Standard Personal Auto Insurance (Liability, Collision & Comprehensive) (FSAJAAAA)

akta.pro secondary industry

Electric Vehicle (EV) Personal Auto Insurance (FSAJAAAH)

Keywords

• Vehicle service contracts
• Mechanical breakdown insurance
• Claims administration
• Extended auto warranty
• Powersport protection

Headquarters

HQ city

Lakewood

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Service Contract Claims Administration: Third-party claims administration for vehicle service contracts, home service contracts, and mechanical breakdown insurance. The company is contractually obligated to perform under service contracts, authorizing and paying repair facilities for covered car repairs.
2. Product Development Services: Flexible aftermarket product development for new and existing partners including vehicle service contracts, mechanical breakdown insurance, and powersport protection (motorcycle, ATV, off-road motorcycle) products.
3. Marketing Solutions: Marketing solutions and regulatory research services provided to dealers, agents, direct marketers, membership organizations, and lenders, providing partners an edge in the marketplace.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels4 records

Core offering

American Auto Shield is a third-party vehicle service contract claims administrator that develops, underwrites, and administers vehicle service contracts, mechanical breakdown insurance, and powersport protection products for cars, motorcycles, ATVs, and off-road motorcycles. The company partners with dealers, agents, direct marketers, membership organizations, and lenders (including CarShield) to deliver extended mechanical breakdown coverage backed by A-rated insurers, providing claims processing, roadside assistance, and direct payment to repair facilities.

Product overview

American Auto Shield is a third-party vehicle and powersport service contract claims administrator founded in 2002, offering a comprehensive portfolio of mechanical breakdown protection products. The core offering consists of Vehicle Service Contracts (Diamond, Platinum, Aluminum, Electric Vehicle variants, PT GOLD, GOLD SELECT, and POWERTRAIN tiers) for vehicles up to 250,000 miles, and Mechanical Breakdown Insurance plans (Elite, Premium, Plus, Standard) for California residents covering vehicles up to 120,000 miles. The company also provides specialized Motorcycle, ATV, and Off-Road Motorcycle service contracts with Platinum and Powertrain tiers. All plans include built-in benefits such as 24/7/365 roadside assistance, rental car reimbursement, trip interruption reimbursement, and rideshare expense coverage. Optional add-ons include Luxury Electronics Package, Emissions Coverage, Market Labor Rate waiver, and Rideshare Coverage. The company leverages a preferred repair facility network (Shield Repair Network) and partners with Roadside Protect, Inc. for roadside assistance services.

Differentiator

Problem solved

Functional benefit

Brands

• MyAutoShield: Brand used for ATV and Off-Road Motorcycle service contracts under the MyAutoShield Protection Program.

Products and services

• Vehicle Service Contract Extended mechanical breakdown protection for cars and light trucks up to 250,000 miles, offered across multiple coverage tiers (Diamond, Platinum, Aluminum, PT Gold, Gold Select, Powertrain) with options for electric vehicles, luxury electronics, emissions, market labor rate, and rideshare coverage. Sold through dealers, agents, direct marketers, and partners like CarShield.
• Mechanical Breakdown Insurance State-licensed mechanical breakdown insurance for California residents covering vehicles with up to 120,000 miles, offered in multiple tiers (Elite, Premium, Plus, Standard) tailored to comply with California insurance regulations.
• Motorcycle Service Contract Extended protection plans for motorcycles covering powertrain and comprehensive components, with optional Luxury Electronics and Touring Package (LETP), vehicle rental and trip interruption reimbursement, and 24/7/365 roadside assistance.
• ATV Service Contract Extended protection for all-terrain vehicles (ATVs) covering engine, transmission, drive axle, cooling, electrical, steering, suspension, brakes, electronic hi-tech, fuel delivery, gauges, and seals/gaskets, with Platinum and Powertrain tiers, 2/3/4-year plan options, unlimited miles, and 24/7/365 roadside assistance. Backed by A.M. Best A-rated insurers.
• Off-Road Motorcycle Service Contract Extended protection for off-road motorcycles covering fuel delivery system, core drivetrain components, and additional components, with Platinum and Powertrain tiers and 24/7/365 roadside assistance.
• Third-Party Claims Administration Services B2B claims administration service in which American Auto Shield contractually performs under service contracts, authorizes covered repairs, and pays repair facilities on behalf of dealers, agents, direct marketers, membership organizations, lenders, and partners such as CarShield.
• Aftermarket Product Development Services B2B service for developing and customizing vehicle service contracts, mechanical breakdown insurance, and powersport protection products for new and existing partners.
• Marketing Solutions and Regulatory Research B2B support services providing marketing solutions and regulatory research to dealers, agents, direct marketers, membership organizations, and lenders, giving partners an edge in the marketplace.

Quantifiable outcome

• Trip interruption reimbursement up to $125 per day for maximum 4 days ($500 total)
• +3 more outcomes

Named customers4 records

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature4 records

Partnerships

Three partnerships are on record, tiered core.

• CarShieldcoreChannel Partner/ Reseller/ DistributorCarShield is a broker that sells vehicle service contracts backed by American Auto Shield. CarShield offers some of the lowest-cost plans for newer cars among providers reviewed. The partnership was subject to FTC scrutiny in 2024 when CarShield settled with the FTC over deceptive and misleading advertising charges.
• Shield Repair NetworkcoreTechnology or IntegrationPreferred repair facility network for American Auto Shield customers to find authorized repair centers for vehicle service contract claims. The network provides convenient repair facility locator for customers.
• Roadside Protect, Inc. (Signature's Nationwide Auto Club)coreTechnology or IntegrationEmergency roadside services provider offering 24/7/365 roadside assistance including towing, emergency tire service, lockout service, battery service, fuel delivery, and winching. Powered by The American Traveler Motor Club, Inc. in AK and CA.

Scale indicators7 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• CarShield: CarShield is a direct-to-consumer vehicle service contract broker whose contracts are administered by American Auto Shield. While CarShield focuses on consumer-facing sales and AAS on claims administration, they sit in the same VSC value chain and compete for the same end-customer's extended auto warranty dollar, making them the most directly comparable peer.
• Protect My Car: Protect My Car is a direct-to-consumer extended vehicle protection provider and a named key market peer. Both AAS (via CarShield) and Protect My Car sell extended auto coverage directly to consumers through subscription models, overlapping in target customer and product category.
• Toco Warranty: Toco Warranty is a vehicle service contract administrator and a named key market peer. Both companies offer tiered VSC products backed by A-rated insurers and distribute through dealer, agent, and direct-to-consumer channels serving similar end customers.
• AUL Corp (American United Life / One Admin): AUL Corp is a national administrator of vehicle service contracts and a named key market peer. Both AAS and AUL act as third-party administrators developing and administering VSC products for dealer, agent, and lender partners with similar multi-tier coverage structures.
• Warranty Direct: Warranty Direct is a vehicle service contract provider and a named key market peer. Both companies administer extended auto warranty products for consumers and through dealer/agent channels, with comparable mechanical breakdown and component coverage tiers.
• CARS Protection Plus: CARS Protection Plus is a vehicle service contract administrator and a named key market peer. Both companies develop and administer VSC and related protection products for dealer and agent channels, offering comparable tiered coverage including exclusionary, powertrain, and specialty vehicle programs.
• GWC Warranty (GWC Inc.): GWC Warranty is a leading U.S. provider of vehicle service contracts and a named key market peer. Both companies administer VSCs and mechanical breakdown coverage for automotive dealers and partner channels with comparable product breadth and dealer-focused distribution.
• Endurance Warranty Services (Endurance Dealer Services): Endurance is one of the largest U.S. providers of extended vehicle service contracts and a named key market peer alongside AAS. Both companies offer multi-tier VSCs with exclusionary and powertrain coverage, sell through dealer and direct channels, and target the same high-mileage consumer protection market.

Broad incumbents

• Easycare (Easycare / APCO Holdings): Easycare is a long-established F&I product administrator offering vehicle service contracts and ancillary auto protection products through dealer and agent channels. It is comparable to AAS in product category and distribution model but operates at a larger, more diversified scale as a broader incumbent.
• Assurant (Assurant Vehicle Service Contracts): Assurant is a large, publicly traded insurer and protection product provider with a substantial vehicle service contract business. It competes with AAS across both dealer-channel and direct-to-consumer VSC distribution as a much larger, diversified incumbent offering similar mechanical breakdown protection products.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/american-auto-shield-llc
• Xx.com/aasllc

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about American Auto Shield