Vehicle Reliability Risk Score — Assess Your Car's Breakdown Probability

Athena Auto Protection's free vehicle reliability risk score tool helps you understand how likely your car is to experience a major mechanical failure based on its year, make, model, and current mileage. Enter your vehicle details and the tool assigns a risk level — Low, Moderate, High, or Very High — along with the most common failure points for that vehicle and their estimated repair costs. Use this information to decide whether extended warranty protection makes sense before a breakdown catches you off guard.

Written and maintained by Athena Auto Protection Editorial Team — extended warranty specialists with expertise in vehicle service contracts, automotive repair, and consumer protection. Founded 2022.

Frequently Asked Questions

How is the vehicle reliability risk score calculated?

The score is based on published reliability data, warranty claim history, and known failure rates for specific make/model/year combinations. Mileage is factored to adjust for age-related wear. The result is a risk tier (Low, Moderate, High, Very High) and a list of that model's most common expensive failures.

Which vehicles score as Very High risk?

Vehicles that frequently score Very High risk include CVT-equipped Nissan Altimas and Rogues (CVT failure at 80,000–120,000 miles), Hyundai and Kia models with Theta II GDI engines (engine seizure risk), and Ram 1500 HEMI V8 models with documented lifter and camshaft failures.

Does a Low risk score mean I don't need coverage?

Not necessarily. Even reliable vehicles fail at high mileage. A Low risk score means the probability of a major failure in any single year is lower — but over 5 years, even low-risk vehicles have a significant cumulative failure probability. The $100 deductible protects you regardless of risk tier.

Is the risk score accurate for my exact vehicle?

The score reflects the statistical average for your make, model, year, and mileage range. Individual vehicle history — maintenance records, prior repairs, and driving conditions — can push your actual risk above or below the model average.

What should I do if my vehicle scores High or Very High?

If your vehicle scores High or Very High risk, contact us at (833) 251-9786 to discuss plan options. Athena covers vehicles up to 5 years old and 125,000 miles — if your vehicle is still within those limits, you may qualify for coverage before a costly failure occurs.