CARCHEX vs. Endurance

When your car’s factory warranty expires, either because of its age or the number of miles you’ve driven, you may want to consider buying an extended warranty to cover repairs that crop up as the miles roll by. There are several options available, but today we’re comparing two of the most well-reviewed and popular companies around. Here’s a rundown of Endurance vs. CARCHEX extended warranties.

Endurance vs CARCHEX Overview


Should I get an Endurance or a CARCHEX Warranty?

Based on the number of complaints and on the BBB scores, CARCHEX is a clear winner here. That said, Endurance’s coverage options are more affordable than CARCHEX for the same level of coverage, and Endurance offers more flexible payment options.

Endurance Overview

Endurance logo
Best Direct Service Provider
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3.8 of 5 Stars
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Call Now: 855-534-1173

Endurance is known for being a direct warranty provider. This means that, unlike most of the other providers in the space, Endurance’s issues and administers its own warranty plans. The company has been in operation since 2006 and is based in Illinois and has grown to become one of the largest extended warranty companies in the country. See our full review of Endurance here.

Pros and Cons of Endurance

  • Administers own plans directly
  • Solid customer service experience
  • Flexible pricing plans
  • Some benefits only available for top-tier plans
  • Company has many BBB complaints
  • No online claim form

CARCHEX Overview

Best Selection of Plans
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4.9 of 5 Stars
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Call Now: 866-977-2040

At over 20 years old, CARCHEX is an elder statesman in the extended warranty business. The company has one of the best BBB ratings and the fewest customer complaints of anyone. CARCHEX also boasts several high-profile endorsements from automotive media outlets, such as Edmunds and Kelley Blue Book. See our full review of CARCHEX here.

Pros and Cons of CARCHEX

  • Long list of perks and benefits
  • Quote process is super simple
  • Finding an approved shop is easy
  • Can be expensive
  • No online claims

Plan Options - Endurance vs. CARCHEX

Endurance PlanOverviewBest for...
CARCHEXOverviewBest for...

Warranty Cost - Endurance vs. CARCHEX

Mid-tier Plan Cost


High-end Plan Cost


Endurance Warranty Reviews

Consumer Affairs’ customer reviews on Endurance include:

"Endurance covers a whole lot more on my car for the exact same amount I was paying through CarShield. I called CarShield and I canceled them. I haven’t had any issues with Endurance, so far. My windows are power windows and the policy takes care of that, as well as my keys, my keyfob, master cylinder and certain other components that go along with my brakes. I was really pleased with all that it covers. Everything that the rep explained to me that I was going to get is exactly what I got on my contract."

"This is a SCAM! ENDURANCE DOES NOT PAY ANY CLAIMS!!! Everything looks great, on paper. The pricing is reasonable. It’s easy to buy & sign up. The Coverage in the Contract is AMAZING! The only problem is ... they WILL NEVER PAY A CLAIM! Everything is great, until you File a Claim. Once you “attempt” to File a Claim, EVERYTHING CHANGES! It becomes a ridiculous circus of absurdity. They give you the runaround. They play “Whack-A-Mole” with which parts are covered and which are not. They give RIDICULOUS EXCUSES as to why your Claim is NOT approved. They keep CHANGING the Reason for Denial. They give HORRENDOUS CUSTOMER SERVICE. And they don’t care because it is their INTENTION to get you to just CANCEL YOUR POLICY!"

CARCHEX Warranty Reviews

Consumer Affairs' customer reviews on CARCHEX include:

"I'm paying for my vehicle so I don't wanna have to also have to pay for expensive repairs. I looked into extended warranty companies and went with CARCHEX because they were more transparent. The rep was very detail-oriented and patient. It was a great experience."

"Purchased an extended warranty contract back on July 17,2020 which I paid in full and have not received my service contract yet. This is the 3rd attempt to have the contract sent to me. Luckily I have not needed to use it but also never got the opportunity to review the contract within the 30 days of purchasing it."

Top Rated Warranty Companies

4.9 of 5

CARCHEX is one of the largest, most highly-rated providers of vehicle extended warranties in the market. They have been a trusted name in the business for 20 years.

4.9 of 5

autopom! is well known in the industry for customer service and responsiveness. The company works directly with 2600 certified repair facilities and has a dedicated customer advocacy program.

4.3 of 5

Toco Warranty Corporation is a relative newcomer in the industry, but they are making a splash. They maintain a solid reputation with an A+ rating from the Better Business Bureau. Toco is known for offering affordable plans with no down payment and the ability to pay in monthly installments.


Can I Transfer My Warranty To A New Owner?

In many cases, yes. You’ll need to check with your warranty provider to make sure of its policies, but most allow some transfer of warranty coverage. In our quest to find the best warranty coverage and prices, we reached out to both CARCHEX and Endurance to find the costs of transferring warranty coverage at both companies. Endurance allows transfers for no cost. CARCHEX also allows transferring coverage, but charges a $50 administration fee to do so.

What Can Void My Warranty?

This answer could be a post of its own - in fact it is. The most common reasons warranties are voided include modified vehicles, vehicles that were used in racing or competition, vehicles that have been crashed, or vehicles that have been tampered with (speedometer, etc.)

Why Was My Claim Denied?

You’ll need to call your warranty company to find out for sure, but in most cases it’s a non-covered part that causes the claim to be denied. You may also run into issues if you’ve had a previous repair performed by a non-approved shop.

Can I Do The Work Myself?

Most warranty companies require that the work be performed by a preapproved technician and that the work be documented by the person doing it. Unless you’re a licensed and approved mechanic by the insurance company, it’s probably best to file a claim.

Editor's note and disclaimer: Car Talk is supported by our fans, readers and listeners. When you click on some of the links on our website, we may receive referral compensation. However, you should know that the recommendations we make are based on our independent editorial review and analyses.
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