Endurance Cost: Average Rates & What Drives Them

Endurance sells vehicle service contracts, often called extended car warranties, that help pay for covered mechanical repairs after the manufacturer's warranty ends. Because the company prices each contract from a quote, there is no price list to point to. The figures on this page come from reviewers' sample quotes and customer reports, not from a published rate card.

That matters when you read any number here. A quote for a recent model with low mileage will differ from one for an older car with many miles, and both differ by plan level. This page lays out the published sample figures, explains what moves a quote, and lists what to ask Endurance before you sign.

ConsumerAffairs reports that Endurance protection plans cost $99 – $160/mo for a basic plan, drawing on its reviews and customer reports. The same source estimates the yearly cost of a basic plan at $1,200 – $1,920/yr. Those two figures describe the same plan level in different units, so they are consistent with each other rather than separate prices.

Higher-tier plans cover more components and can cost more. ConsumerAffairs also notes that individual customers report paying more than the basic range, depending on the vehicle.

NerdWallet requested quotes for Endurance's Supreme plan on three vehicles. The monthly figures below were adjusted to include the down payment and a likely contract term.

The newer Toyota SUV and Audi sedan had low mileage, while the older Honda sedan had far more miles on it. The Audi quote came to $114.60/mo, the Honda to $109.20/mo, and the Toyota to $91.63/mo. The three quotes sit close together, which shows that make, model, age, and mileage each pull on the price in different directions.

NerdWallet's review notes that your price depends on your car's make, model, age, and mileage, plus the plan you choose.

Monthly payments are only part of the cost. A contract can also carry a deductible each time you file a repair claim and optional extras with their own charges.

NerdWallet was quoted a deductible of $100 per repair for the vehicles it shopped for. It also lists an optional Elite benefits package with an activation fee of $29, which covers items such as tire coverage and key fob replacement. Endurance's website offers a range of deductible choices, and a lower deductible generally means a higher monthly payment.

• The vehicle's make, model, and age.
• Mileage at the time you buy the contract.
• The plan level, from basic coverage to plans that cover more components.
• The deductible you choose.
• Whether you pay up front or in monthly payments, since monthly payments usually include a down payment.
• Optional add-ons such as the Elite benefits package.

Two reviewers can describe the same company and report different prices. The ConsumerAffairs range reflects a basic plan and customer-reported payments, which come from many different vehicles and years. NerdWallet's figures come from specific quotes for a small set of vehicles on a higher-tier plan, with the down payment folded into a monthly figure. Neither is a price you can count on, because Endurance's quote for your car is the only number that applies to you.

• What does the contract cover, and which components are excluded?
• What is the deductible, and is it charged per visit or per repair?
• How large is the down payment, and what are the monthly payments over the full term?
• Is there a waiting period before coverage starts?
• What are the cancellation and refund terms?
• Who administers claims, Endurance or a third party?

Ask for a sample contract and read it before you pay. NerdWallet's review points out that Endurance makes sample agreements easy to get, which helps with checking exclusions.