Auto Warranty
Top Companies in 2026
Endurance vs Fidelity Warranty Services
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- Direct provider with in-house claims handling
- Unlimited mileage on most plans
- Free first year of Elite Benefits
- Online quotes without a phone call
- Transferable coverage
- Accepts salvage and rebuilt titles
- Interest-free payment plans available
- Rental car reimbursement
- Nationwide coverage
- Transferable coverage
- Many other protection plans
- EV and hybrid coverage
- May deny claims based on maintenance record requirements
- 30-day/1,000-mile waiting period before coverage begins
- Aftermarket or used parts may replace OEM
- No weekend customer service hours
- Not available as direct-to-consumer in Massachusetts
- EV and hybrid batteries explicitly excluded
- Roadside assistance is not included in their 3 main plans
- Only available through dealerships
- Less transparent- no sample contracts online
- Less plan benefits compared to other VSCs
Founded in 2006 and headquartered in Northbrook, Illinois, Endurance Warranty Services has grown into one of the largest independent direct providers of vehicle service contracts in the United States. Unlike brokers that resell plans from third-party administrators, Endurance underwrites and administers most of its own contracts, meaning there's no middleman between you and the company handling your claim. The company offers six distinct coverage tiers, ranging from basic powertrain protection to exclusionary near-factory coverage, plus a unique Advantage plan that bundles up to $3,500 in annual maintenance benefits. Endurance is one of the few providers offering unlimited mileage on most plans and accepts vehicles up to 20 years old, making them a rare option for high-mileage drivers and owners of older cars. They offer MBI coverage to California residents instead of traditional service contracts. All plans include perks like 24/7 roadside assistance, rental car reimbursement, and trip interruption coverage, as well as a free first year of Elite Benefits. Customer feedback is mixed, but Endurance holds an A rating from the BBB and is accredited.
Fidelity Warranty Services has been in the business of auto warranties since 1978! They provide coverage for high-mileage vehicles in the United States and Canada, as sold through authorized dealers. Their extensive experience and wide-reaching coverage make them a trusted choice for car owners with older vehicles.
- BBB Rating : A
- Maximum Mileage : Unlimited
- Money-Back Guarantee : Available (30 days)
- Number of Plans Available : 6
- Waiting Period : 30 days / 1,000 miles
- Operating Status : Active
- Deductible Range : $0–$200
- BBB Rating : A-
- Maximum Mileage : Undisclosed
- Money-Back Guarantee : N/A
- Number of Plans Available : 5
- Waiting Period : N/A
- Operating Status : Active
- Risk-Free 30-Day Money-Back Guarantee
- Your Choice of Any ASE-Certified Mechanic or Dealership
- 1 Year of Free Elite Benefits
- Coverage for Vehicles Up to 20 Years / 200K Miles
- Higher contract term limits
- High-mileage vehicles covered
- Many associated protection products
- EV & hybrid coverage
- High-mileage
- Exclusionary
- Powertrain
- $0 deductible option
- Commercial/rideshare
- EV/hybrid components
- No waiting period
- Option with free maintenance benefits
- Transferable—Undisclosed
- High-mileage
- Exclusionary
- Powertrain
- $0 deductible option—Undisclosed
- Commercial/rideshare
- EV/hybrid components
- No waiting period—Undisclosed
- Option with free maintenance benefits—Undisclosed
- Transferable—Undisclosed
- 24/7 roadside assistance
- Any licensed repair shop
- Direct shop payment
- In-network repair network
- Mobile app for claims
- Online claims portal
- Trip interruption coverage
- 24/7 roadside assistance—Undisclosed
- Any licensed repair shop—Undisclosed
- Direct shop payment
- In-network repair network
- Mobile app for claims—Undisclosed
- Online claims portal—Undisclosed
- Trip interruption coverage
- Phone
- 24/7 customer support
- FAQs / Educational resources
- Live Chat
- Mobile Application
- Online quote without phone
- Sample contracts online
- Phone
- 24/7 customer support—Undisclosed
- FAQs / Educational resources
- Live Chat—Undisclosed
- Mobile Application
- Online quote without phone—Undisclosed
- Sample contracts online—Undisclosed
- Contract (lump-sum) payments
- Pay-in-full discount
- Month-to-month payments
- Cancellation fee
- Multi-vehicle discount
- Price lock guarantee
- *Not all payment methods are available in all states
- *Some payment methods may incur additional fees
- Contract (lump-sum) payments—Undisclosed
- Pay-in-full discount
- Month-to-month payments—Undisclosed
- Cancellation fee—Undisclosed
- Multi-vehicle discount—Undisclosed
- Price lock guarantee—Undisclosed
- *Not all payment methods are available in all states
- *Some payment methods may incur additional fees
Endurance vs. Fidelity
When choosing an extended auto warranty, Endurance and Fidelity are two prominent options that stand out in the market. Both offer various plans with unique features, making it essential to compare them to find the best fit for your needs.
Coverage plans and options
Both Endurance and Fidelity offer extensive coverage for mechanical and electrical components. They protect unexpected repair costs with customizable plans to fit different needs. Both companies include benefits like roadside assistance and rental car reimbursement, enhancing the value of their warranties.
Endurance provides five levels of coverage, including their comprehensive Supreme plan, which is exclusionary and covers almost all parts except for a few listed exclusions. On the other hand, Fidelity offers three primary plans—Powertrain, Gold, and Platinum—each with varying degrees of coverage. Fidelity’s Platinum plan is the most comprehensive, offering near-bumper-to-bumper protection, while Endurance’s coverage can be more tailored with additional options like hybrid or commercial use coverage.
Pricing
Both companies offer competitive pricing in the extended warranty market. They provide flexible payment options, allowing customers to choose plans that fit their budget and vehicle needs.
Endurance typically charges between $70 and $125 per month, with final costs depending on the level of coverage and add-ons selected. They do not display pricing online, requiring potential customers to request a quote. Fidelity’s pricing is generally transparent and can be compared online, with their plans starting at lower monthly rates, which might appeal to budget-conscious consumers.
Standout benefits
Endurance and Fidelity both offer valuable additional benefits. These include roadside assistance, rental car reimbursement, and trip interruption coverage, which provide support in case of emergencies and repairs.
Endurance includes a unique Endurance Elite membership with every plan, offering perks like key fob replacement and tire repair. Fidelity’s standout benefit is their customer service, which is highly rated for responsiveness and ease of claim processing. Their Platinum plan also includes concierge service for a more personalized experience.
Potential drawbacks
Both providers have some drawbacks to consider. Endurance’s plans can be more expensive, particularly at higher coverage levels. Customers have reported mixed experiences with their claims process, with some encountering delays.
Fidelity, while generally offering lower prices, may have less comprehensive coverage compared to Endurance’s top-tier plans. Additionally, Fidelity’s higher-tier plans may not always include the same extensive benefits as Endurance’s, like the Endurance Elite perks.
Conclusion
Choosing between Endurance and Fidelity depends on your specific needs and budget. Endurance offers extensive and customizable coverage with added benefits, making it a strong choice if you value comprehensive protection and extra perks. Fidelity provides more budget-friendly options with good customer service and transparent pricing. Consider your vehicle’s needs, budget, and the value of additional benefits to make the best decision for your extended auto warranty.
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