Auto Warranty
Top Companies in 2026
Endurance vs Olive
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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
- No vehicle inspection required to enroll
- Rates locked in for three years
- Month-to-month payments with no long-term commitment
- Cancel anytime with no cancellation fee
- Any ASE-certified repair shop in the US and Canada
- Deductible charged per visit, not per component
- A+ BBB accredited
- Available in all 50 states plus Canada
- Any ASE-certified repair shop in the US and Canada
- 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
- Strict eligibility limits (under 10 years old and 140,000 miles)
- Coverage capped at three years per term
- No exclusionary plan
- Broker model; cannot override QBE claim decisions
- No mobile app for policy or claims management
- Commercial and rideshare use excluded entirely
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.
Olive is a digital-first vehicle service contract brand launched in 2020 by Repair Ventures LLC, a company with a longer history in the vehicle protection space. Unlike many providers that require phone-based quotes and sales conversations, Olive lets customers get instant pricing, purchase coverage, manage their policy, and cancel online. Plans are sold month to month, rates are locked for three years, and coverage begins the day after purchase with no vehicle inspection required. Olive operates as a broker, with claims administered and paid by QBE Administration Services. They offer three stated-component plans: Powertrain, Powertrain Plus, and Complete Care. Coverage is available for eligible vehicles up to 10 years old and under 140,000 miles at purchase, with repairs accepted at any ASE-certified facility in the US or Canada. Benefits include towing reimbursement, rental car reimbursement, direct repair shop payment, free transfers, and a 60-day money-back guarantee. Olive is BBB-accredited with an A+ rating and receives strong feedback for their transparent purchase experience, though some customers report claim denials tied to pre-existing conditions, prior authorization rules, and the limits of Olive’s broker role.
- 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+ (accredited)
- Maximum Mileage : 140,000 miles at purchase; coverage continues to 185,000 miles
- Money-Back Guarantee : Available (60 days)
- Number of Plans Available : 3
- Waiting Period : N/A (coverage begins day after purchase)
- Operating Status : Active
- Deductible Range : $100, $250, or $500 (per repair visit)
- 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
- No waiting period with day-after coverage
- 100% digital experience from quote to claim
- 60-day money-back guarantee
- Free contract transfer with no transfer fee
- MBI in California with insurance-level regulatory oversight
- No robocall commitment
- 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
- Commercial/rideshare
- EV/hybrid components—Undisclosed
- No waiting period
- Option with free maintenance benefits
- Transferable
- 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
- Any licensed repair shop
- Direct shop payment
- In-network repair network
- Mobile app for claims
- Online claims portal
- Trip interruption coverage—Undisclosed
- Phone
- 24/7 customer support
- FAQs / Educational resources
- Live Chat
- Mobile Application
- Online quote without phone
- Sample contracts online
- Phone
- 24/7 customer support
- FAQs / Educational resources
- Live Chat
- Mobile Application
- Online quote without phone
- Sample contracts online
- 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
- Cancellation fee
- Multi-vehicle discount
- Price lock guarantee
- *Not all payment methods are available in all states
- *Some payment methods may incur additional fees
Endurance vs. Olive
When choosing an extended auto warranty, Endurance and Olive stand out as two major providers. Each company offers coverage designed to protect drivers from unexpected repair costs, but their structures, pricing, benefits, and drawbacks differ.
This comparison examines their coverage plans, pricing, standout features, and limitations to help you decide which provider suits your needs best.
Coverage plans and options
Both Endurance and Olive offer comprehensive protection for various vehicle components, including the engine, transmission, and other essential systems. However, their approach to coverage differs significantly.
Endurance provides five coverage tiers, ranging from basic powertrain protection to exclusionary plans that mirror manufacturer warranties. Their Supreme Wrap plan is particularly beneficial for those with existing manufacturer warranties, offering additional flexibility. Furthermore, Endurance covers high-tech components and hybrid vehicles, making it a solid option for those with newer or specialized cars.
Olive, on the other hand, offers three coverage levels—Powertrain, Powertrain Plus, and Complete Care. Their Powertrain Plus plan extends beyond essential components, covering air conditioning, electrical, and fuel systems. Olive’s Complete Care plan is their most comprehensive option, including nearly all vehicle components and roadside assistance. However, Olive does not cover vehicles older than 12 years or with more than 185,000 miles.
Pricing
Pricing structures differ between Endurance and Olive, with Endurance offering customized quotes and Olive providing fixed-rate plans.
Endurance charges $70–$125 per month, depending on the plan, vehicle type, and mileage. They offer military and government employee discounts, but a direct quote is required to determine the exact cost.
Olive offers transparent pricing upfront. Their Powertrain plan starts at $30/month, while their Complete Care plan costs up to $80/month. Customers can select from three deductible options, impacting their overall cost.
Standout benefits
Both companies offer key benefits such as rental car reimbursement, roadside assistance, and flexible coverage options. However, each has unique features that set them apart.
Endurance is a direct provider, meaning they handle claims in-house, eliminating third-party administrators. They also include trip interruption coverage and offer extensive plan customization, covering commercial vehicles and high-tech components.
Olive offers immediate coverage with no waiting period—most providers, including Endurance, require a 30-day/1,000-mile waiting period before coverage kicks in. Additionally, Olive provides a 100% online signup process, making it easier for tech-savvy customers.
Potential drawbacks
Neither provider covers pre-existing conditions, which is standard across the industry. However, each has its limitations.
Endurance has higher prices than Olive, making it less budget-friendly. Their claims process, while in-house, has received some customer complaints about delays and denials.
Olive lacks trip interruption benefits in lower-tier plans, and roadside assistance is only available with the Complete Care plan. Additionally, their coverage caps at 12 years or 185,000 miles, making them less suitable for older vehicles.
Conclusion
Endurance is ideal for those who want long-term, customizable coverage with in-house claims processing, while Olive is better for drivers seeking a budget-friendly, transparent pricing model with immediate coverage.
Your choice depends on your vehicle’s age, budget, and whether you prefer the convenience of a fixed-price online plan (Olive) or the flexibility and comprehensive coverage of Endurance.
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