Endurance Auto Warranty vs. Assurant

Endurance Auto Warranty and Assurant Extended Warranty both offer extended car warranties that protect you financially after your manufacturer’s warranty expires.

While they offer similar services, there are some differences between the coverage they offer, the cost of their plans and the additional benefits you get. We’ve analyzed both companies to help you decide which is the right fit.

Endurance Auto Warranty vs. Assurant Extended Warranty coverage

Plans from Endurance Auto Warranty and Assurant Extended Warranty offer varying levels of coverage for your vehicle's parts and systems.

Endurance coverage

Endurance offers six plans, but you’ll typically only see three when you get an online quote (Supreme, Superior and Secure Plus). The other three (Superior, Select Premier and Advantage) are usually only available over the phone and have more restrictive eligibility criteria.

• Secure is a powertrain-only plan.
• Secure Plus is the equivalent of a powertrain warranty but with added coverage for your air conditioning and brakes.
• Select Premier offers similar coverage to Secure Plus for vehicles with more than 150,000 miles. It also offers greater coverage for all the components it covers.
• Superior covers 300-plus components across most major component groups.
• Supreme is an exclusionary, bumper-to-bumper warranty with coverage for virtually all components on your vehicle (2,000+), except wear-and-tear and a short list of exceptions.
• Advantage offers Supreme coverage plus up to $3,500 in annual maintenance costs.

Assurant Extended Warranty coverage

Assurant offers four plans:

• Powertrain covers the basics, including the engine, transmission, all-wheel/four-wheel drive, forced induction, gaskets, seals and hybrid components.
• Base adds coverage for electrical systems, steering, brakes and suspension to the Powertrain plan.
• High-Tech matches the Base plan's coverage with a focus on additional systems like electrical systems, steering, brakes and suspension.
• Comprehensive provides the most coverage, including all components in the three other plans plus safety systems and electronics/technology.

We’ve broken down what’s covered under each of the companies’ plans below:

Coverage
Plan	Secure PlusSuperiorSupreme	PowertrainBaseHigh-TechComprehensive
Engine systems
Engine
Transmission
Drive axle
Transfer case
Seals and gaskets
Turbocharger/supercharger
Climate and cooling
Heating system
Cooling system
Air conditioning
Essential systems
Brakes
Suspension
Steering
Fuel system
Electrical and tech
Electrical components
Navigation/GPS
High-tech components

» LEARN MORE: What does a car warranty cover?

Endurance Auto Warranty vs. Assurant Extended Warranty cost

The cost of an extended auto warranty can vary significantly based on several key factors. Vehicle age and mileage are typically the most influential factors — newer cars with lower mileage generally cost less to cover than older vehicles with high mileage. The make and model of your vehicle also impact pricing, with luxury and high-performance vehicles usually commanding higher premiums due to more expensive repair costs.

Additionally, plans with comprehensive coverage cost more than basic powertrain protection. Plans may also be more expensive depending on where you live.

We gathered quotes for different vehicles with varying mileage to give you an idea of how prices compare between Endurance Auto Warranty and Assurant Extended Warranty. The prices below are for each company's lowest-tier plan unless otherwise noted. Keep in mind that coverage for these plans varies, so it’s not an exact apples-to-apples comparison of value.

For Endurance quotes, note that the Secure Plus plan was not available for the Honda CRV or the Ford F-150; for these vehicles, we received quotes for the Premier plan.

You can only purchase an extended auto warranty with Assurant through your vehicle’s dealership. Contact your dealer to see if coverage with Assurant is available and how much it costs.

Endurance Auto Warranty vs. Assurant Extended Warranty policies

Endurance offers a standard deductible of $100. However, it automatically assigns a $500 deductible to any Supreme plan covering an Audi, BMW, Mercedes-Benz, Land Rover, Jaguar, Porsche or Alfa Romeo. It also only covers these vehicles until they hit eight years old or 80,000 miles, whichever comes first.

Assurant plans don’t have limits to the number of visits or repairs you can schedule per year. However, payout limits and deductibles vary by plan. All Assurant plans have a waiting period of 30 days and are fully transferable (for an additional fee).

Benefit	Endurance Auto Warranty	Assurant Extended Warranty
Vehicle inspection required
Contract length	Month to month, 30 months	-
Quote process	Online or call	Call

Endurance Auto Warranty vs. Assurant Extended Warranty additional benefits

In addition to coverage for mechanical failures of your vehicle's parts, Endurance Auto Warranty and Assurant Extended Warranty offer a few other benefits.

Endurance benefits

Endurance offers 12 months of Elite Benefits with each plan for an additional $29 (one-time payment). These include:

• Up to $500 for key fob replacements
• Up to two tire repairs/replacements
• Up to $1,000 in collision repair assistance
• Up to $1,000 in total loss protection, which goes toward a replacement vehicle if your current vehicle is declared a total loss

While these benefits are valuable, one of Endurance’s hidden shortcomings is that it only offers $30 per day (or $150 maximum per repair) in rental car assistance.

Assurant Extended Warranty benefits

All Assurant plans come with roadside assistance (up to $125 per occurrence for flat tire, towing, fuel delivery, lockout and more), rental car reimbursement ($40 for a maximum of one day) and trip interruption benefits (up to $200 while 100 miles or more from home).

If your vehicle is still covered by a manufacturer’s warranty, Assurant also offers “manufacturer’s deductible reimbursement.” This benefit covers the difference if the manufacturer’s warranty doesn’t fully cover repairs.

Benefit	Endurance Auto Warranty	Assurant Extended Warranty
Roadside assistance
Rental car reimbursement
Trip interruption
Transferability

Endurance Auto Warranty vs. Assurant Extended Warranty reviews

For an honest assessment of customer satisfaction, let's examine what actual policyholders say about Endurance Auto Warranty and Assurant Extended Warranty.

Endurance reviews

The general sentiment surrounding Endurance is that the reps are friendly and knowledgeable and that claims move along quickly.

• “They're good people and we get no hassle whenever I have a claim. I had a claim for the radio and Endurance took care of it. They're the real deal. I have already got four of my family members signed up with them.” — William from Georgia

• "The first claim I ever had with Endurance was awesome ... Endurance has been great with me, and I've never been on the phone 15 minutes when I called there.” — Yvonne from Kentucky

Most of Endurance’s negative reviews seem to stem from a misunderstanding of coverage, waiting periods or other key terms of the warranty. To its credit, Endurance responds to its critical reviews, seeking ways to make things right with the reviewer.

• “I was told I need 30 days before my warranty was activated. It’s been over 90!!!! Come time to use the warranty fine print page 3 on a digital contract say 30 days and 1000 miles. I drive my car 550 miles so I have been paying them and I am not covered????” — Ivorie from Pennsylvania

» SEE FOR YOURSELF: Endurance reviews

Assurant Extended Warranty reviews

Reviews for Assurant are mixed. Most positive reviews cite efficient customer service, easy claims handling and timely responses.

• "I called Assurant, and the very nice person that I talked to knew English perfectly and was easy to communicate with. She told me I could have the transmission fixed anywhere I trusted and felt confident. The shop simply had to communicate to Assurant when the diagnosis was complete. In the end, my truck is fixed, Assurant covered 100% for the repair, and the entire process was actually easy and peaceful for me. I had a great deal of stress and tension over everything, and as it turns out, it was one of the easiest things I've done." — Carl from New York

• “Vehicle was taken in the morning with the complaint and claim was process in a very timely manner, same day. Paid my deductible and the rest the representative took care with the warranty. I was able to pick up my vehicle the very same day. Very satisfied with their response.” — Blanca from California

Assurant’s negative customer reviews mention slow claims processing, unclear denial reasons and poor communication.

• “600 of my 2100 dollar claim was paid. The rest was denied ... I requested the inspection report that was used to determine the denial and was told they don't have it.” — Brian from California

» SEE FOR YOURSELF: Assurant Extended Warranty reviews

Bottom line: Endurance Auto Warranty or Assurant Extended Warranty?

All things considered, what kind of driver is each provider best for?

• Endurance is best for drivers who value robust coverage and generous first-year benefits for added peace of mind.

• Assurant is best for customers looking to get an extended auto warranty through a dealership when they make their vehicle purchase.

If neither sounds like a good fit, or if you’d simply like to see more top-rated providers, check out our other picks for the best extended car warranty companies.

Looking for an extended car warranty?READ OUR GUIDE