Endurance Auto Warranty Review: Is It Worth It?

By Derek Lakin
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 101 Endurance Auto Warranty Customer Reviews and Complaints

Write a Review
Average Customer Rating: 1.9
Rating Snapshot:
5 star: 20 4 star: 2 3 star: 1 2 star: 5 1 star:  73
Bottom Line: 23% would recommend it to a friend
Showing 1-11 of 101
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  • Endurance EXTENDED VEHICLE COVERAGE

    • By Shawn S.,
    • Maryland,
    • Mar 10, 2020
    • Verified Reviewer

    My differential, rear bearings are bad, and my power steering cooler pump is leaking in a 2012 Jeep Cherokee. I have the Diamond coverage, and it is pay off and active until 2022. I had to call and beg for an Endurance adjuster to come to the dealer to verify the problem. The bearings are making a squealing and growling noise, but the adjuster said he did not hear it. The differential is bad, but an Endurance agent (United Car Care, they handle the claims) told me that the dealer needs to take it apart first to see what is broken because they would only cover a limited amount of parts inside of it. However, taking it apart would cost me about $2000. The Power Steering is not covered.

    On top of that, the guy from United Car Care was rude and said it was no one else that I can talk to at United Car Care about the claim. At this point, like to get a refund. This service contract has been a waste of money. I wish I saved the money used on this contract to fix my Jeep.

    Contract #: JCDM09200116.

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


  • Read before you sign!

    • By Marcin K.,
    • Miami, FL,
    • Mar 5, 2020
    • Verified Reviewer

    READ THIS IF YOU'RE PLANNING TO SIGN A PLAN WITH ENDURANCE!

    When I bought my car 14 months ago I signed a premium extended warranty plan with Endurance. It cost me around $130 a month and was the best coverage you possibly could buy at the time. I received a loooong list of things that were covered and didn't hesitate, it was after all the best coverage you could have! Recently when I experienced a few issues with my car I remembered signing my premium extended warranty and was happy making my first call to them and have my car fixed. My joy didn't last long when I after explaining the issues heard that those were wear and tear issues and that they were not covered by my "premium plan". When talking to them they seem completely indifferent to the fact that everything that breaks can be explained as wear and tear. Today after paying $1800 for the "premium warranty plan" and $3500 for fixing my car I terminated my plan! When calling to cancel my plan they said that they now have a "premium premium premium plan" that will cover everything that will break, but it will cost me an additional $5000 on top of the $1800 I've already paid them and the $3500 I paid for fixing my car! Really! Completely useless!

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


  • Amazing full coverages

    • By Jimmie C.,
    • Springville, UT,
    • Feb 22, 2020
    • Verified Reviewer

    Whenever I buy a new car, I want to have full coverage so that I feel very comfortable every time I'm on the road. Insurance companies only offer so much, and the same goes for warranties through the company.

    When I started searching for a new extended type of option, Endurance Auto Warranty kept showing up. The company has really good reviews online, and after being with them for a year now, I have to say the same thing.

    What really blows me away is that all three times I have had to call them about something, they have been very prompt in helping me right away. They do a better job at getting back to me than my insurance company does. For that reason alone, I recommend them to anyone looking for a great value.

    The bottom line: Insurance companies only cover so much. Endurance Warranty fills in those gaps and makes people feel confident.

    Bottom Line: Yes, I would recommend this to a friend


  • Avoid this company like the plague

    • By Tim P.,
    • Turnersville, NJ,
    • Jan 29, 2020
    • Verified Reviewer

    I want to share the story of my first experience with getting service for my vehicle that has a warranty through Endurance. I've had the policy since June and I don't have a high mileage vehicle. It only has 56000 miles. I have all my routine maintenance done on time and through the dealership. I use my vehicle to drive back and forth to work and take my wife who is dying of cancer to her chemo appointments every 2 weeks. On my last oil change, they found that the CV boots were torn and the control arms and front axle shaft were damaged and needed to be replaced. I told them that is fine and I have a warranty program through Endurance. Provided them the information so they could contact Endurance for the repairs. When the service technician called Endurance they insisted I needed to bring the vehicle back to the dealership so they could have their "own" inspector come out and inspect the parts. I've had warranties through other companies and never heard of this. It's like they don't trust Factory trained technicians. I explained that I can't afford to be without my vehicle for 2 days while this "inspector" comes out. The dealership was nice enough to let me have a courtesy vehicle while the inspection was done. The 2 days turned out to be more than a week from the time the "inspector" came out and the time he submitted his report back to Endurance and Endurance told the service department they would not pay for the repairs because "as the parts are cracked" they are not completely broken. The service department called them and explained that if you let them wait longer the damage will be more extensive and you are leaving a customer without transportation. Endurance could have cared less.

    So if you want a company who is going to leave you stranded by the road with a broken-down vehicle, by all means, chose Endurance. I'm now stuck with driving my vehicle with it making sounds when I make turns, waiting for them to give out while I am driving or paying for the repairs myself. I can only hope this breakdown doesn't occur while I am taking my wife to her chemo appointment.

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


  • CLAIM DENIED

    • By Kiana H.,
    • Atlanta, GA,
    • Jan 15, 2020
    • Verified Reviewer

    I purchased a warranty from Endurance 2 years ago. It is fully paid off. I had an issue with my transmission, they requisite tear down. An adjuster determined my issue was the torque converter. They denied my claim stating it's not an internally lubricated part. However, it is located within the transmission housing and com attached to the transmission. THE CONTRACT DOES NOT LIST TORQUE CONVERTERS AS A NON COVERED PART! My mechanic stated that the claim was false and that the valve body was the cause of failure. Endurance is now saying it's not covered due to wear and tear? Certainly driving a car will create wear and tear. The contract is vague and misleading. IT SAYS IT WILL COVER TRANSMISSION LUBRICATED PARTS WITHIN THE CASE. Basically worded so they can avoid paying repairs. TOTAL SCAM! Now I have to pay $800 for the teardown and will be stuck with a broken transmission. I paid $3700 for this contract and jumped through every hoop and they still denied my claim! STAY AWAY FROM THIS COMPANY.

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


  • Don't buy

    • By Thomas S.,
    • Parsons, KS,
    • Dec 14, 2019
    • Verified Reviewer

    On 6/5/17 I purchased a 48-month policy for a 2006 F150 pickup, odometer reading of 136,158. On 5/3/19 I traded this vehicle in on another car, so I called to cancel pickup policy. Was told I needed to submit a letter and proof of ending mileage to claim any remaining refund. The policy price was $2579.00 for 48 months.

    I submitted a letter of cancellation dated 5/7/19 along with car dealers paperwork stating the ending mileage, 147,712. As you can see, the policy was not even 2 years old, and mileage was little over 10,000 miles. As of now...NO RESPONSE. The policy was paid IN FULL as of 6/5/19. There were NO CLAIMS during this period.

    I WOULD NOT RECOMMEND THIS COMPANY TO ANYONE. Ken has never contacted me asking for any further info to comply in order to receive any remaining refund of policy cost. Buyers BEWARE.

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


  • Claim denied

    • By John G.,
    • 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


  • Denied claim

    • By Michael M.,
    • 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


  • 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


  • Not recommended by BBB

    • By Crystal H.,
    • 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


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

    • By Brandon C.,
    • 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


Showing 1-11 of 101

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