Two of the most recommended VSC providers compared head-to-head. See which one is the better fit for your vehicle and budget.
Get My Free Coverage Quote →Endurance and Complete Auto Protect are two of the most frequently compared vehicle service contract providers in 2026. Endurance is one of the largest VSC companies in the country, handling claims in-house and offering a wide range of plan tiers. Complete Auto Protect is a newer but fast-growing provider known for exclusionary coverage, direct shop payment, and a strong BBB track record. This comparison covers everything you need to know to choose between them.
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Check My Coverage Options →| Category | Endurance | Complete Auto Protect |
|---|---|---|
| Coverage tiers | 6 plans (Basic to Supreme) | 5 plans (Silver to EV Exclusionary) |
| Exclusionary option | ✓ Supreme plan | ✓ Diamond plan |
| Claims handling | In-house (Endurance pays shop) | Direct pay to repair shop |
| Repair shop network | Any ASE-certified shop | Any ASE-certified shop |
| Deductible | $0 or $100 per visit | $100 per visit |
| Monthly cost range | $99–$195/month | $89–$175/month |
| Max mileage | Up to 200,000 miles | Up to 250,000 miles |
| BBB rating | A+ | A+ |
| Waiting period | 30 days / 1,000 miles | 30 days / 1,000 miles |
| Cancellation | Prorated refund | Prorated refund |
| Roadside assistance | ✓ Included | ✓ Included |
| Rental car coverage | ✓ Included | ✓ Included |
Complete Auto Protect edges out Endurance on price and maximum mileage coverage. For drivers with vehicles over 150,000 miles or those looking for the best value on exclusionary coverage, Complete Auto Protect is the stronger choice. Endurance's $0 deductible option and larger company history give it an edge for drivers who want that flexibility.
Choose Endurance if you want a $0 deductible option, prefer working with a large established company, or have a vehicle under 100,000 miles where Endurance's pricing is competitive. Endurance's in-house claims team is experienced and well-regarded for straightforward claims.
Choose Complete Auto Protect if you have a higher-mileage vehicle (over 150,000 miles), want the most comprehensive exclusionary coverage at the best price, or prefer a provider with a simpler, more transparent claims process. Complete Auto Protect's 250,000-mile coverage limit is a significant advantage for high-mileage vehicle owners.
Compare vehicle service contract options in 30 seconds. No obligation, no pressure.
Check My Coverage Options →Is Endurance or Complete Auto Protect better?
Complete Auto Protect offers better pricing and higher mileage limits. Endurance offers a $0 deductible option and has a longer company history. For most drivers, Complete Auto Protect provides better overall value.
Which is cheaper — Endurance or Complete Auto Protect?
Complete Auto Protect is typically $10–$20/month less expensive for comparable coverage. Both offer flexible payment options and multiple plan tiers.
Does Complete Auto Protect cover more than Endurance?
At the exclusionary level, both provide similar comprehensive coverage. Complete Auto Protect covers vehicles up to 250,000 miles vs Endurance's 200,000-mile limit, which is a meaningful difference for high-mileage vehicle owners.
Can I use any repair shop with Endurance and Complete Auto Protect?
Yes. Both providers allow any ASE-certified repair shop nationwide, including dealerships. You're not limited to a specific network.
How do Endurance and Complete Auto Protect handle claims?
Both pay repair shops directly — you never pay out of pocket and wait for reimbursement. Endurance handles claims in-house; Complete Auto Protect also processes claims directly. Both are known for straightforward claims processes.