Auto Warranty
Top Companies in 2026
Endurance vs Ox Car Care
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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
- 24/7 roadside assistance
- Flexible installment plans
- May cover rideshares or modified vehicles
- 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
- Premium plans can come with a higher price tag
- Some plan information is not disclosed on the website
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.
Ox Car Care is dedicated to reducing the high costs of car repairs, and offers plans customized to different needs that come with features like choosing your own repair shop, covering major parts, 24/7 roadside assistance, and more, all at affordable prices.
- 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 : 30-day money-back guarantee
- Number of Plans Available : 3
- Waiting Period : Claims: 30 Days from purchase date & 1,000 additional miles from starting odometer
- 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
- Customizable plans
- Affordable compared to other services on the market
- You have the flexibility to get covered repairs done at either a dealership or at any repair facility that holds certification from the National Institute for Automotive Service Excellence (ASE)
- They administer their own contracts for their main plans
- 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—Undisclosed
- EV/hybrid components
- No waiting period—Undisclosed
- Option with free maintenance benefits
- 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—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—Undisclosed
- Mobile Application—Undisclosed
- Online quote without phone—Undisclosed
- 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
- Pay-in-full discount
- Month-to-month payments
- Cancellation fee—Undisclosed
- Multi-vehicle discount—Undisclosed
- Price lock guarantee
- *Not all payment methods are available in all states
- *Some payment methods may incur additional fees
Ox Car Care vs. Endurance
When it comes to protecting your car from unexpected repairs, car warranty providers like Ox Car Care and Endurance can offer peace of mind. But which one is the best fit for your needs and budget? Here’s a quick overview to help.
Both Ox Car Care and Endurance offer three main plans to choose from. Endurance offers: the Secure Plus, Superior, and Supreme plans. All three plans come with benefits, which are: rental car coverage, 24/7 roadside assistance, the Endurance mobile app, and trip interruption coverage. All three plans also come with 1 year of free elite benefits, such as: collision discount, total loss protection, complete tire coverage, and key fob replacement.
Ox Car Care also offers three main plans, the Gold plan (powertrain plus), the Platinum plan (comprehensive), and the Diamond plan (their best coverage). With every Ox plan, you get: free oil changes, free tire rotations, free alignment checks, free roadside assistance, and a complimentary rental vehicle.
Ox Car Care and Endurance both do not advertise their prices on their websites. However, Ox Car Care's plans could potentially range from $29.99 to $99.99 per month, depending on the level of coverage. But many factors play a role, and that number can vary. For example, one customer review mentions a $250 monthly payment. This depends on the plan you choose, your vehicle’s characteristics, your location, and the payment plan you choose. Endurance's plans could potentially range from $49 to $129 per month, also depending on the level of coverage.
The best way to choose a car warranty provider is to consider your own preferences and needs. If you are looking for a simple and straightforward claims process with no deductibles or hidden fees, then Ox Car Care may be a good option for you. If you are willing to trade a slightly more complicated claims process for a wider range of coverage options, then Endurance may be a better choice.
Both Ox Car Care and Endurance have mixed reputations when it comes to customer service and support. Both providers have both positive and negative customer reviews regarding their responsiveness and helpfulness. However, Endurance has a significantly higher overall rating on popular review site Trustpilot with an aggregate rating of 3.8/5 stars from a total of 6,528 reviews. While Ox Car Care has a 1.4/5 total rating from 47 reviews. However, on the BBB website, Ox Car Care achieved a 2.69/5 star rating and was accredited by the BBB with an A+. Surprisingly, Endurance is not accredited by the BBB and does not have a BBB rating, even though customer reviews show up as 3.63/5 stars. It's important to read through individual reviews and consider the specific experiences of customers to make an informed decision.
We recommend you get a free and customized quote from both Ox Car Care and Endurance. Ask about what is included and what is not; that way, you can make a decision based on your needs and budget. Ask your friends and family if they’ve tried these companies' services, and read customer reviews. And before signing the contract, make sure to read the contract and fine print very carefully.
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