Endurance Auto Warranty Review: Is It Worth It?

By Derek Lakin
HighYa Staff
Published on: Feb 28, 2017

Endurance Auto Warranty is an insurance-backed company whose vehicle service contracts promise to help you protect the investment you made by potentially saving you thousands of dollars on auto repairs.

Endurance tells us their auto warranties are honored at any of the more than 350,000 licensed, ASE certified repair facilities in the US (note: no coverage in CA).

Also, their direct-to-consumer model claims to cut out the middleman and save you up to 50%, compared to purchasing a vehicle service contract through a dealership.

And after obtaining an honest, upfront, hassle-free, and complimentary quote for your make and model, you can have coverage in a matter of minutes.

If the manufacturer’s warranty is about to expire on your car, you might be panicked wondering what you’ll do if something goes wrong.

After taking a deep breath and relaxing a bit, you want to know: Is there anything necessarily unique about Endurance that makes them more worthy of your money than their vast competition?

That’s precisely what we’ll help you explore here, starting with the coverage provided by their auto warranty plans.

What Are the Main Differences Between Endurance’s Coverage Plans?

Overall, the are four different Endurance Auto Warranty plans, all of which are subject to a mandatory 30 to 60-day waiting period (and 1,000 miles) before coverage takes effect. This will be determined at the time you apply.

On the other hand, Endurance does not require an inspection of your vehicle.

Important note: We’ll quickly outline some of the primary differences between each of these plans here. However, since they all involve detailed contracts and lots of legalese, we strongly recommend contacting Endurance directly if you have a specific coverage question.

Endurance Premier

If you need to cover a high-mileage vehicle, Endurance’s Select Premier plan covers air conditioning, cooling system, drive axle assembly, electrical components, engine, fuel system, seals and gaskets, transfer unit, transmission, 24/7 roadside assistance (one service per 72 hours; serviced through Nation Motor Club), and rental car benefits ($30 per day, $150 total per claim).

Note: According to the Endurance representative we spoke with, there isn’t a minimum mileage requirement for the Premier Plan. In other words, it will be determined if your vehicle meets the definition of “high mileage” at the time of application.

If your vehicle is deemed a total loss, Endurance won’t pay more than $12,500, or the actual cash value under the Premier plan, as “determined by the NADA average trade-in value at the time of repair.”

Another big difference is that according to Premier’s contract:

“You are required to follow the maintenance schedule that applies to your driving habits and climate conditions. Failure to follow the manufacturer’s recommendations that apply to your driving habits and climate conditions may result in the denial of coverage.”

While this is common for most auto warranty companies, we called Endurance for some clarification and learned that it’s possible for them to deny a claim based on missed/improper service that occurred before you took out the policy.

This could be for something as minor as missing an oil change (or changing the oil yourself), or as major as failing to change transmission fluid at 45,000 miles (for example).

In short, whether you choose Endurance or another auto warranty company, it’s immensely important that you’ve followed—and continue to follow—the manufacturer’s recommended maintenance for your vehicle, and that you have the services performed by professionals.

Endurance Secure

We’re told Secure is the company’s most affordable coverage option, intended to cover vital—and often expensive—components like the drive axle assembly, engine, seals and gaskets, transfer unit, transmission, turbocharger/supercharger, 24/7 roadside assistance, and rental car benefits.

This option also provides the option for a disappearing deductible, as long as you agree to have the vehicle repaired at Firestone or AAMCO.

Compared to the Premier plan, Secure’s limit of liability is, “the lesser of, the average trade-in value of the Vehicle as provided by the NADA Guides or the purchase price of the Vehicle as provided by a Bill of Sale.”

Endurance Superior

Endurance’s Superior plan is their highest level of stated component coverage (specifically outlines which parts are covered, and for which perils), and includes everything in the Secure plan.

Superior also adds air conditioning, brakes, cooling system, electrical components, front and rear suspension, fuel system, and steering coverage.

Endurance Supreme

Supreme is Endurance’s only all risk auto warranty, which means that, instead of specifically naming all the coverages available (like in the other plans), it provides coverage unless something is specifically excluded.

As a result, Endurance tells us this is their most comprehensive “bumper-to-bumper” coverage.

How Much Does an Endurance Auto Warranty Cost?

The friendly, helpful Endurance representative with spoke with let us know that the main factors impacting price are your vehicle's year, make, model, and mileage, as well as the plan you choose. As a result, the premium will differ a great deal between consumers.

With this said, we found a blog post on the Endurance website from July 2, 2014 indicating that the average cost is $350 to $700 per year.

Also, while Endurance’s auto warranties are transferrable to other individuals and vehicles, you may be subject to a $50 transfer fee (the rep let us know this is generally waived when transferring between vehicles).

All Endurance Auto Warranties come with a 30-day money back guarantee. In order to request one, obtain a quote, or ask general coverage questions, customer support can be reached at 866-432-4443.

What Are Endurance Auto Warranty Customers Saying in Their Reviews?

On ConsumerAffairs.com, Endurance Auto Warranty had an average rating of slightly less than five stars at the time of our research, based on 650 reviews.

There, most compliments referenced knowledgeable, helpful customer service representatives, while the most frequent complaints related to claims issues (delays, declined coverage).

Note: When researching Endurance customer reviews, we found that the bulk of positive feedback only related to basic customer service issues, such as answering questions, changing address, and correcting billing issues—but not necessarily related to the policy paying out when needed.

On the other hand, nearly every customer complaint seemed related to problems with the claims process. This was regardless of the site we visited, including popular options like Yelp and TrustPilot.

Granted, we’re certainly not saying this is what you can expect with your Endurance Auto Warranty. Instead, we’re just reporting the trend.

From a company perspective, Endurance Warranty Services, LLC, is based out of Northbrook, IL and has been in business since 2006.

They had an A+ rating with the Better Business Bureau, based on 657 customer reviews and 234 closed complaints, as of 2/21/17. There, as elsewhere, most compliments referenced helpful customer service, while most complaints related to poor support and denied claims.

Pro tip: As we discussed earlier, one BBB reviewer noted that you can’t perform your own maintenance, so be sure to factor in this added expense if you currently handle most of your basic upkeep.

Who Backs and Supports Endurance Auto Warranties?

Although Endurance administers (i.e. services) most of their auto warranty plans, they’re backed by Wesco Insurance (part of AmTrust Financial Services, Inc.) based out of New York, NY. The company has been in business for decades and was rated A (Excellent) by A.M. Best at the time of our research.

Endurance’s roadside assistance services are provided by Nation Motor Club, LLC, who also held an A+ BBB rating as of 2/21/17. Despite this, their 22 closed complaints frequently referenced long response times and claims issues.

Are Vehicle Service Contracts a Good Idea?

While the pitch is convincing, most authoritative websites we encountered during our research claimed that extended warranties and vehicle service contracts might not save you as much money as you might think—or any at all.

According to Consumer Reports, their internal survey conducted in 2013 found that “55 percent of owners who purchased an extended warranty hadn’t used it for repairs during the lifetime of the policy. And, on average, those who did use it spent hundreds more for the coverage than they saved in repair costs.”

Specifically, they noted that the net loss per contract was $375, leading to lower overall satisfaction ratings than all other products and services surveyed by the company.

In another article, Consumer Reports notes that vehicle service contract companies often have reputations for denying claims because customers can't prove the vehicle was maintained according to the manufacturer's recommendations. Which brings us back around to the point we mentioned at the beginning.

If you’re still convinced you need one, they recommend closely scouring the fine print for limitations.

Specifically, the Federal Trade Commission recommends keeping in mind that you should ensure they:

  • Don’t duplicate any warranty coverage, if one remains on your vehicle (common for power train)
  • Are transferable to a new owner if you sell the vehicle, as well as any associated fees
  • Are underwritten by an insurance company with a solid financial rating, which references their ability to pay claims

The Bottom Line

With the exception of the first bullet point above, which will vary by customer, you can see that Endurance Auto Warranty seems to meet all the basic criteria for a solid auto warranty or extended vehicle contract company.

On top of this, Endurance seems to have a mostly positive online customer reputation when it comes to basic services, although similar to most other auto warranty companies, their most common complaint was an inclination to deny claims.

Keep in mind that you’ll also find that most other popular vehicle contract companies offer varying coverage plans and some type of refund, so Endurance doesn’t seem to be meaningfully different in these respects, either.

» For Further Reading:


Read 95 Endurance Auto Warranty Customer Reviews and Complaints

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Average Customer Rating: 1.9
Rating Snapshot:
5 star: 19 4 star: 2 3 star: 1 2 star: 5 1 star:  68
Bottom Line: 23% would recommend it to a friend
Showing 1-11 of 95
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  • 3 out 3 people found this review helpful

    Claim denied

    • Hillsboro, OR,
    • Dec 6, 2019
    • Verified Reviewer

    The hatch on our 2010 Toyota Highlander has broken. We took it into a Toyota dealership for repair. The service writer called Endurance and supplied the necessary information to them. The service writer was told the claim for repair of the hatch was covered, and an inspector would be sent out to inspect the vehicle. The inspector denied the claim stating that some parts were missing and we had the wrong size tires on the vehicle. On the claim the parts were missing, they weren't. They were a small cover and a small bracket, both were in a plastic bag sitting in plain view in the back of the vehicle. On the issue of the tires, from 2008 to our 2010 and possibly further, Toyota made available two different sizes of tire for the Highlander model, 245/55-19 and 245/65-17. For nine months out of the year we use the 19" street tires, since there weren't any 19" studded snow tires available, we use the 17" studded snow tires for three months of icy winter. Per Section X of our contract - "What Is Not Covered" in the insurance plan booklet at paragraph G, it states "any tire that is not recommended by the original manufacturer IF it creates an odometer/speedometer variance of greater than 4%", the 17" tire size in question is a recommended tire size by the vehicle manufacturer and the variance for odometer/speedometer is less the 1%. By their own language, the tire can be a non-recommended tire as long as it's under the 4% variance, we are in good standing as we hit both points of being within Endurance's own guidelines! As well for their information, there is only a half-inch difference in tire diameters. Based on the facts we are definitely covered.

    We and the dealership have tried to work through this with them to no avail. Their people have tried to get out of it in several different ways. Parts were missing...when they weren't. The wrong size tires...they are an acceptable size by Toyota. Broken parts not covered...until the dealer pointed out it was the motor failure, which is covered, caused the parts to break. Inspector claiming no one was there to show him the vehicle...the service writer was there and did show him the vehicle. We are assured by our dealer that the service writer did stay with the inspector and in fact made a copy of a Toyota service bulletin for him that showed this was a known failure issue and Toyota extended the warranty on that particular issue until 2018. The last person I spoke to at the company still has not gotten back to me. Since we reside in the state of Oregon, per our contract with Endurance, arbitration does not apply. We will file suit against Endurance for breach of contract, breach of warranty and breach of representation.

    Bottom Line: No, I would not recommend this to a friend

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  • 3 out 3 people found this review helpful

    Denied claim

    • Naples, FL,
    • Dec 3, 2019
    • Verified Reviewer

    2017 Silverado sitting at Chevy dealership service shop for 5 weeks as Endurance adjuster made multiple visits looking for a way to deny the claim for a failed transmission. Endurance states the torque converter caused the transmission to fail, but the dealership denies that was the cause of failure and stated in writing it was the pump that failed. Car rental costs already more than 1,000 bucks. Endurance stated they contract out to a 3rd party and refuses to provide any information, no names, no company, no written report.

    Bottom Line: No, I would not recommend this to a friend

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  • 4 out 4 people found this review helpful

    One month in shop until used transmission arrived to fail 3 months later

    Three months ago my transmission needed replacement. At my extended auto warranty company Endurance direction, I took my car to AAMCO on Ina Road, Tucson, AZ 85741. It took ONE MONTH for the part (a used transmission) to be located and shipped to the shop for installation. I was charged a $100 deductible. Then, I was told my warranty company was refusing to pay for the last week of my car rental, I would be responsible for the balance of the bill from the auto rental company. I was shocked as it was not my fault this repair wasn't handled in a timely manner. Throughout the month I called the shop on a daily basis asking when my car would be ready, I was repeatedly told they haven't received the transmission yet and were waiting on the warranty company. The used transmission finally arrived in a brown box with no information on its age, miles, or condition. When checking out, I asked AAMCO of their warranty. I was told they cannot provide one due to it not being their product and knowing nothing about it, they only installed it. If something goes wrong my Endurance warranty will cover it within my contract time frame.

    Now, only three months later, my replaced used transmission provided by Endurance has failed and I'm in need of a transmission replacement again. I've been told by Endurance they will not cover a car rental and I can submit the bill to the supplier of the transmission when the claim is closed. When I asked Endurance for the supplier name and contact information, I was refused and told they will give it to me only when the claim has been closed. Endurance told me, the standard is the time it takes to get the part to the shop plus one day for installation. However, this puts a hardship on me due to a lack of my ability to confirm reimbursement with the unknown supplier. Meanwhile, I'm having to put my car rental on my credit card during holiday rates without confirmation of reimbursement by an unknown supplier. Again, having no idea of a time frame supplier will provide the part to the shop. Only three months ago it took them a MONTH. This is a time is of the essence matter, as I, or no one, have unlimited funds to pay for that kind of time frame for a rental car without confirmation of reimbursement. I want my replacement to be handled in a timely manner and I want a new or reliable transmission installed in my vehicle. I was told I won't be responsible for the $100 copay this time.

    Bottom Line: No, I would not recommend this to a friend

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  • 9 out 9 people found this review helpful

    Not recommended by BBB

    • Ponca City, OK,
    • Nov 7, 2019
    • Verified Reviewer

    I bought this warranty in August. It seemed really great! Bumper to bumper coverage, monthly payments, but they recorded the mileage wrong, but I didn't know that until I took my car in to get it fixed. Then they refused to fix it. They would not change the mileage and now I can't get a full refund. This place is a joke. I absolutely regret getting this coverage.

    DON'T DO IT!

    Bottom Line: No, I would not recommend this to a friend

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  • 7 out 7 people found this review helpful

    Read the fine print! Read what you're REALLY covered for!

    • Las Vegas, NV,
    • Oct 31, 2019
    • Verified Reviewer

    We bought the highest coverage available for our 2005 BMW 330i with 80k miles. We waited the 30 days and 1000 mile waiting period to get my car turned in to the shop, especially since it just started misfiring. The shop diagnosed the car with two rotten belts and tensioners, oil filter gasket leak, bad ignition coils, and a fried light module for the headlights and tail lights. Endurance WILL NOT cover the diagnostic fees. Endurance also WILL NOT cover anything "maintenance" related, such as belts, oil leaks, and anything compression-related. So, they DID NOT cover anything on my car except the stupid light module. They also DO NOT cover ANYTHING that is NOT LISTED IN YOUR PLAN. They have a very specific list of parts that they will cover, and if your part isn't there then they won't cover it, whether its a part of your engine, drivetrain, or whatever category you're supposed to be covered on.

    Bottom Line: No, I would not recommend this to a friend

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  • 8 out 8 people found this review helpful

    Claims issue. Labor rates don't match repair shops.

    • Spring Hill, FL,
    • Oct 18, 2019
    • Verified Reviewer

    Took in our 2011 Ford Edge Limited to our Local Ford Dealership for heated seats not working. The dealership told us it was a bad HVAC Control Module located behind the dash and that Mitchell Manual quoted 1.5 hours to R&R module and re-program. We had the Apex Pro which is supposed to cover that. We had a Zero deductible. The dealership said warranty would cover the part, 1 hour of Diagnosis and 0.3 hours to replace the module, meaning we had to pay the 1.2 hours difference! Called the warranty company and the Girl Tiffany at Endurance told me that we will always be responsible for any labor over what they pay according to their guide...they told us that they go by a "National Labor Time Guide" as stated in our contract. Correct, however, they would not divulge what manual they were going by. As far as I know, there is Mitchell and Chilton. Not very happy and won't do this again.

    Bottom Line: No, I would not recommend this to a friend

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  • 9 out 9 people found this review helpful

    It’s a scam

    • Colorado,
    • Oct 11, 2019
    • Verified Reviewer

    I was under the impression I had a contract for months but when it was time for repairs I was denied due to a salvaged title. Is it my fault someone gave me a contract? That sounds like someone at Endurance didn’t do their job. Am I to blame?

    I’m having issues with the account manager now, once again they treating me like I did something wrong talking to me very hostile. I’ve had enough, I’m contacting my lawyer immediately.

    Bottom Line: No, I would not recommend this to a friend

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  • 9 out 10 people found this review helpful

    Do not buy a policy with them

    • Crestview, FL,
    • Oct 9, 2019
    • Verified Reviewer

    As other comments have noted, they will do everything to avoid paying any claim. Including engaging in some crafty contract interpretation and shuffling you off to multiple representatives with the hope that you will just go away in frustration. I spent the better part of two days getting passed around from person to person. Some aspiring U.S. Attorney should have no problem making a RICO case against them. Likewise, this company is ripe for a class-action lawsuit.

    Bottom Line: No, I would not recommend this to a friend

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  • 10 out 11 people found this review helpful

    Sketchy cancellation experience

    • Houston, TX,
    • Oct 4, 2019
    • Verified Reviewer

    I recently bought a used car and decided to purchase a vehicle service contract. I read somewhere online that Endurance was great so I signed up. I negotiated a price with the rep and his manager for the supreme plan which is the best plan they offer. After reading more about the company's repeated claim denials on their policyholders, I decided to call Endurance within the 30-day full refund period to cancel my policy. The lady I spoke to rambled on forever that I should not cancel the policy since, according to her, I got such an awesome deal. I politely repeated to her that I wanted my policy canceled and I wanted my refund credited back to my credit card. She said she would either mail me a check or credit my card but was going to keep $20 for a non-refundable activation fee they charge, which was never mentioned to me when I first signed up. I asked her for a confirmation number or email to confirm that I canceled my policy but she said no and instead gave me her employee badge number or something like that and hung up on me. The cancellation experience felt very sketchy and now I'm wondering if I'm gonna get a refund since I don't have any proof to show that I canceled my policy. Also, I never received a copy of my policy which the rep said he would email to me when I signed up. I have contacted my credit card company and informed them to expect the charge credited by next week or else I'll proceed with a fraud claim.

    Bottom Line: No, I would not recommend this to a friend

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  • 18 out 18 people found this review helpful
    Updated review

    Very difficult to deal with.

    • Michigan,
    • Sep 19, 2019
    • Verified Reviewer

    Not easy to deal with at all. They will try anything to get out of paying.

    Bottom Line: No, I would not recommend this to a friend

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    • Previous review
    • Sep 11, 2019

    Absolute scam

    I received an Apex Select warranty with my used vehicle for 3 months/3000 miles. The engine blew up after 14 days and 700 miles. Called about coverage and was denied because they said it was considered an "early loss" and I would have to deal with it myself. Now I'm stuck in legal issues with the dealership.

    Hey Endurance, here's a question. If your car blew up after 2,999 miles, would you consider that an early loss?

    Scumbags.

    (read moreread less...)

  • 17 out 17 people found this review helpful

    Warranty not worth the paper it’s printed on!

    • Grifton, NC,
    • Sep 17, 2019
    • Verified Reviewer

    Don’t give this company your money! They will NOT cover your repairs! We have been paying $105 monthly since 2016 when we purchased our Dodge Challenger. The fuel pump recently went out on it and they refused to cover the parts OR repairs claiming wear and tear! When the mechanic mentioned that our car was well kept and "wear and tear" was not the issue that it must be a mechanical/manufacturing issue. They said our car had too low of miles to cover the claim! How bogus are they to change their excuse like an elementary student busted in a lie! No credibility whatsoever and a complete waste of money! Save your time and money and DO NOT USE ENDURANCE!

    Bottom Line: No, I would not recommend this to a friend

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