AutoXcel

What AutoXcel does

AutoXcel Corporation is a privately held F&I (Finance & Insurance) product provider and administrator headquartered in Wilmington, North Carolina, founded in 2004 and operating across the United States. The company curates a portfolio of more than 30 vehicle protection products spanning Vehicle Service Contracts (including specialized variants for EVs, exotic vehicles, high-mileage, CPO, trucks, and limo/rideshare), Guaranteed Asset Protection (GAP), Tire & Wheel protection, Excess Wear & Tear / lease-end products, Loyalty Programs, Bundled Appearance Protection (StayNu, AX3, AX4, AX5), and PowerSports coverage for motorcycles, boats, and ATVs. Underlying operations are supported by the DAP System, a proprietary Dealer Administration Portal used by dealers and agents for account management, reporting, and forms processing. Distribution runs through a two-tier model: independent F&I agents who resell to franchise and independent dealers nationwide, combined with a direct regional sales team (Southeast, West, Northeast, Midwest) covering enterprise dealer accounts.

Revenue mechanics combine recurring streams (VSC, GAP, loyalty, power sports) and one-time license purchases (bundles, tire & wheel, lease wear & tear), with bespoke per-dealer contract terms and undisclosed pricing. The company has no external funding rounds, no parent company, and is founder/owner-operated under President & CEO Mark Evans, with a Compliance Director, Claims Director, regional sales managers, and a marketing/design function supporting partners. Competitive positioning leans on personal, human-led claims service and a 22-year operating history rather than technology or scale advantages; the company has not disclosed AI/ML capabilities, public APIs, or material technology investment beyond the DAP portal. Customer logos span SMB F&I agents through enterprise luxury dealers (Audi of Calabasas, Ray Catena Mercedes Benz of Edison), and strategic partnerships with WheelRenew and WheelReady extend the offering into on-site wheel repair services.

Name

AutoXcel

Legal name

AutoXcel Corporation

Website

https://autoxcel.net

Company type

Private

Founded year

2004

Operating status

Operating

Headcount range

51–100 employees

Short description

AutoXcel is a privately held F&I product administrator founded in 2004, providing over 30 vehicle protection products — including VSCs, GAP, tire & wheel, and loyalty programs — to automotive dealers and independent F&I agents across the United States.

Ownership category

akta.pro rank

Product category

Automotive F&I Product Administration

NAICS

Insurance Agencies and Brokerages (524210)

akta.pro primary industry

Dealer-Sold & F&I Administered Service Contracts (Dealer Obligors) (FSAJALAD)

akta.pro secondary industry

Vehicle Protection & Add-on Product Financing (Warranties, GAP, Service Plans) (FSAKADAL)

Keywords

• Automotive F&I products
• Vehicle service contracts
• Dealer finance insurance
• Extended vehicle warranties
• GAP insurance programs

Headquarters

HQ city

Wilmington

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Vehicle Service Contracts (VSC): Extended warranty and service contract products covering powertrain, comprehensive, and exclusionary coverage for vehicles
2. Guaranteed Asset Protection (GAP): GAP coverage protecting vehicle owners from financial loss due to totaled vehicles exceeding insurance payout
3. Ancillary/Bundle Products: Bundled appearance protection packages including StayNu, AX3, AX4, AX5 with optional key replacement coverage
4. Tire & Wheel Protection: Coverage for wheel repair/replacement, tire repair/replacement, and cosmetic damage protection
5. Loyalty Programs: Lifetime powertrain warranties and loyalty credit programs that incentivize customers to return to the selling dealership
6. Excess Wear & Tear Protection: Lease-end protection covering common wear charges including dents, scratches, tire wear, and upholstery damage
7. PowerSports Products: VSC, Tire & Wheel, and GAP coverage for motorcycles, boats, ATVs, and utility vehicles

Go-to-market motion3 records

Distribution channels3 records

Marketing channels5 records

Core offering

AutoXcel is a U.S. Finance & Insurance (F&I) product administrator that designs, underwrites, and administers more than 30 automotive protection products sold through independent F&I agents and franchise/independent auto dealers nationwide. Core offerings include Vehicle Service Contracts (VSCs), Guaranteed Asset Protection (GAP), tire and wheel protection, ancillary appearance bundles, stand-alone products (key replacement, dent, glass, paint/interior), loyalty programs, excess wear-and-tear lease coverage, and PowerSports protection, supported by a proprietary Dealer Administration Portal (DAP) for account and claims management.

Product overview

AutoXcel is an F&I (Finance & Insurance) product provider offering a comprehensive suite of over 30 curated vehicle protection products and programs designed for automobile dealers and their customers. The product portfolio operates as a multi-module platform with distinct product categories that dealers can offer individually or bundle together. Core Vehicle Service Contracts (VSC) include Total Protection, Total Protection Plus, AXC 3-6 Short-Term, AXC Technology, High Mileage, Electric Vehicle (EV), Exclusionary Wrap CPO, Certified Pre-Owned, Total Protection Truck, Total Protection Exotic, and Total Protection Limo/Rideshare. Bundle products include StayNu, AX3, AX3 Exotics w/ Key, AX4 w/ Key, AX4 Exotics w/ Key, and AX5 w/ Key — bundled appearance packages combining multiple protections. Tire & Wheel products include Dynamic Wheel Max, Dynamic Wheel Max Exotics, Dynamic Wheel, Dynamic Tire, and PVD Wheels. Stand-alone products include RecoverKey (key protection), Paintless Dent Repair, Dynamic Glass, Dynamic Image, and Zone Blue. GAP products include GAP + TLC. Loyalty Programs include Lifetime Powertrain, TLC2, TLC, and Loyalty Advantage Program. Excess Wear & Tear products include AutoXcel Lease Wear & Tear, AX5 LWT, and AX4 LWT. PowerSports offerings include VSC, Tire & Wheel, and GAP for motorcycles, boats, ATVs, and other power sports vehicles. The company also offers reinsurance programs for qualified dealers and a WheelRenew partnership for on-site wheel repair services.

Differentiator

Problem solved

Functional benefit

Products and services

• Vehicle Service Contracts (VSC) Extended vehicle service contracts offered in multiple coverage levels (Powertrain, Powertrain Plus, Powertrain Wrap, Exclusionary Noted) with vehicle-type variants for standard, exotic, high-mileage, EV, CPO, truck, and limo/rideshare vehicles, sold to dealers and agents for resale to vehicle owners.
• Total Protection Exotic (TP Exotic VSC) Exotic and high-performance vehicle service contract with four flexible coverage levels (Exclusionary Noted, Powertrain Wrap, Powertrain Plus, Powertrain) including turbo/super-charger coverage, designed for exotic vehicle dealers and their customers.
• AutoXcel Bundles (StayNu, AX3, AX4, AX5) Bundled appearance protection packages combining windshield repair/replacement, cosmetic wheel coverage, environmental/paintless dent repair, clear-coat scratch protection, interior fabric/leather/vinyl protection, headlight reconditioning, roadside benefits, and optional key replacement, sold to dealers/agents for resale with terms up to 7 years.
• Tire & Wheel Protection (Dynamic Wheel, Dynamic Wheel Max, Dynamic Tire, PVD Wheels) Tire and wheel protection coverage including wheel repair/replacement, tire repair/replacement, cosmetic curb damage protection, and PVD-coated wheel coverage with policies up to 7 years, no co-pays, no deductibles, and nationwide coverage, distributed through dealers and agents.
• Stand-Alone Products (RecoverKey, PDR, Dynamic Glass, Dynamic Image, Zone Blue) Individual F&I protection products including key loss replacement (RecoverKey), paintless dent repair, windshield/glass protection with water repellency, graphene-based paint and interior protection, and interior surface protection, sold separately to dealers and agents.
• GAP + TLC (Guaranteed Asset Protection) Guaranteed Asset Protection product covering the gap between insurance payout and outstanding loan balance in case of total loss, accident, or theft, with day-one coverage, distributed through dealers and agents.
• Loyalty Programs (Lifetime Powertrain, TLC2, TLC, Loyalty Advantage) Dealer loyalty offerings including lifetime powertrain warranty, trade-in value increase credit (up to 10%), total loss replacement credit (up to $5,000), and a combined Loyalty Advantage program that keeps customers returning to the selling dealership for service and vehicle purchases.
• Excess Wear & Tear / Lease Protection Lease-end protection products (AutoXcel Lease Wear & Tear, AX5 With Key Ultimate LWT, AX4 With Key Ultimate LWT) covering common excess wear charges including dents, scratches, paint chips, windshield cracks, wheels, tire wear, headlights, bumpers, upholstery, audio, and muffler, with up to $5,000 in coverage.
• PowerSports Products (VSC, Tire & Wheel, GAP) Power sports vehicle protection offerings including Vehicle Service Contracts, Tire & Wheel protection, and Guaranteed Asset Protection for motorcycles, touring bikes, boats, ATVs, utility vehicles, personal watercraft, and scooters, distributed through dealers and agents serving the power sports market.

Quantifiable outcome

• Up to $5,000 credit for customers on loyalty programs
• +1 more outcomes

Named customers6 records

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Two partnerships are on record, tiered core and minor.

• WheelRenewcoreStrategic or Co-development PartnerWheelRenew partners with AutoXcel to provide on-site wheel repair services at dealerships. AutoXcel provides tire and wheel F&I products while WheelRenew handles cosmetic repairs, diamond cutting, and custom color changes. This partnership creates a dual revenue engine for dealers through F&I product sales and retail repair services, with WheelRenew providing free advertising to drive customers to dealer locations.
• WheelReadyminorOthersWheelReady is referenced as a partner/vendor relationship on the AutoXcel website, likely providing wheel-related products or services complementary to AutoXcel's tire and wheel protection offerings.

Scale indicators4 records

Recent moves3 records

Expansion highlights5 records

Broad incumbents

• Assurant (Assurant Dealer Services / Assurant Solutions): Assurant is a major incumbent in the F&I product administration space, providing vehicle service contracts, GAP, and ancillary protection products to dealers nationwide through its Assurant Dealer Services division. Comparable to AutoXcel as a multi-product F&I administrator, but at significantly larger scale and with broader reinsurance and technology infrastructure.
• Zurich North America (Dealer Services): Zurich's Dealer Services division provides F&I products and dealer protection solutions, including service contracts and ancillary products, to franchise auto dealers. Comparable to AutoXcel in product offering but operates as part of a much larger global insurance carrier.
• Allstate Dealer Services: Allstate Dealer Services provides F&I products and protection plans through franchised dealerships as part of Allstate's broader insurance portfolio. Comparable to AutoXcel in product categories but offers the backing of a national insurance brand.

Direct peers

• Easycare (APCO Holdings): Easycare is a leading F&I product administrator offering VSCs, GAP, tire and wheel, and other ancillary protection products distributed through independent agents and dealers. Directly comparable to AutoXcel across product mix, distribution model, and target customer (franchise and independent dealers).
• Premier Dealer Services: Premier Dealer Services is a mid-sized F&I product administrator offering VSCs, GAP, tire and wheel, and ancillary protection products distributed through independent agents to franchise and independent dealers. Closely comparable to AutoXcel in scale, product mix, and agent-based distribution model.
• Endurance Warranty Services: Endurance is a direct-to-consumer and dealer-channel extended vehicle service contract provider offering mechanical breakdown and ancillary protection products. Comparable to AutoXcel's VSC business, though with a stronger consumer-direct go-to-market alongside dealer distribution.
• GSFSGroup: GSFSGroup provides F&I products, training, and reinsurance solutions to auto dealers and agent partners. Comparable to AutoXcel as an F&I product administrator with a multi-product portfolio distributed through agents and dealers.
• RoadVantage: RoadVantage administers F&I products including VSCs, GAP, tire and wheel, and other ancillary protection products for auto dealers. Comparable to AutoXcel across product categories and dealer-channel distribution, with similar mid-sized administrator positioning.

Emerging players

• Alpha Warranty Services: Alpha Warranty is an extended vehicle service contract administrator serving dealers and consumers with VSCs and ancillary protection products. Comparable to AutoXcel's VSC business but operates at a smaller scale with a more technology-forward positioning.
• CarShield: CarShield is a consumer-facing extended vehicle service contract provider with a heavy direct-to-consumer marketing model. Comparable to AutoXcel's VSC products but with limited dealer-channel distribution and a different go-to-market.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/autoxcelcorporation
• LinkedInlinkedin.com/company/autoxcelcorporation
• Xx.com/autoxcel

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

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 AutoXcel