Endurance Auto Warranty vs. Toco Warranty

Endurance Auto Warranty and Toco 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. Toco Warranty coverage

Plans from Endurance Auto Warranty and Toco 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.

Toco Warranty coverage

Toco Warranty offers one policy with four levels of coverage that correspond to your vehicle’s odometer reading at the time of service. Prices are not listed online, and to get a quote you must submit your vehicle’s make, model, year and mileage along with your contact information. Warranties are paid month to month.

• Green Level — 200,000 to 250,000 miles: This level covers the most expensive and essential parts of your vehicle but excludes components like cooling and air conditioning.
• Blue Level — 150,000 to 200,000 miles: Called “Powertrain Plus,” this level covers your vehicle's powertrain but excludes repairs on steering, brakes, suspension and technology like media players.
• Yellow Level — 100,000 to 150,000 miles: This high level of coverage includes repairs to your engine, transmission, drive axle, air conditioning, fuel system and more.
• Orange Level — 0 to 100,000 miles: The most comprehensive level of coverage, this is intended to cover all the same major vehicle systems as the original manufacturer's warranty.

All levels exclude coverage for “wear and tear” parts like batteries and battery cables, tires, upholstery and glass.

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

Coverage
Plan	Secure PlusSuperiorSupreme	Green LevelBlue LevelYellow LevelOrange Level
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. Toco 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 Toco 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.

Toco Warranty’s online quote tool shows you how much you’ll pay per month for an extended auto warranty. This level of coverage depends solely on your vehicle’s current mileage, so we received quotes for all four vehicles with the Yellow plan (100,000 to 150,000 current mileage).

Endurance Auto Warranty vs. Toco 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.

Toco warranties are subject to a waiting period of 90 days and 1,000 miles and have a lifetime payout limit of $15,000. Deductibles are required for each visit. Your deductible amount is listed on your registration page — if there’s no deductible listed, the default amount is $100.

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

Endurance Auto Warranty vs. Toco Warranty additional benefits

In addition to coverage for mechanical failures of your vehicle's parts, Endurance Auto Warranty and Toco 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.

Toco Warranty benefits

Toco also provides additional benefits, including the following:

• Roadside assistance like jump-starts, flat tire repair, fuel delivery and towing services up to 15 miles.
• Rental car reimbursement of up to $40 for every four hours of labor and up to $200 for each repair visit.
• Trip interruption if your vehicle breaks down more than 100 miles from your home and your car needs to stay at a repair facility overnight. Hotel and restaurant expenses are reimbursed up to $100 a day for up to three days.

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

Endurance Auto Warranty vs. Toco Warranty reviews

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

Toco Warranty reviews

Toco Warranty receives overwhelmingly positive reviews. Customers like the professional and helpful customer service, comprehensive coverage and that they aren't required to sign up for a long-term contract.

• “Morgan was super helpful in explaining the Toco Warranty program and all that it entails. This was our first experience with a vehicle warranty company and I had a ton of questions and Morgan was more than patience and made sure that I understood each one.” — Mike from Arkansas

• “They covered EVERY repair I ever needed and all I paid was 100 deductible. My passenger air bag went out, COVERED charge over 900. I paid 100. If you need coverage you need Toco!!” — Mitzi from Arizona

In the few negative reviews, customers express some frustration at being denied coverage for repairs they thought were included.

“I'm still not satisfied with the warranty coverage. I'd been a customer for almost a year and still I'm paying for repairs out of my pocket and I'm not for sure that I will recommend anyone to this company.” — Dramell from Ohio

» SEE FOR YOURSELF: Toco Warranty reviews

Bottom line: Endurance Auto Warranty or Toco 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.

• Toco Warranty is best for drivers who want one policy that stays in place for the life of their vehicle and who appreciate professional and friendly customer service.

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