Empire runs the most aggressive ads in the VSC industry. Here is what their 2,000+ reviews and documented complaints actually reveal about the coverage.
Check My Coverage Options →Good for: low entry price, 2,000+ reviews, simple plans. Weak on: mixed claims complaints, limited plan depth.
Empire Auto Protect is a vehicle service contract provider based in Wilmington, DE. They are best known for aggressive advertising with a "$69/mo" entry price point and a significant Google review count. Empire offers three main coverage tiers -- Silver, Supreme, and Titanium -- plus an add-on rim and tire protection plan.
Empire is a direct-to-consumer VSC company that handles its own claims in-house. Unlike brokers such as CarShield, Empire processes claims directly rather than routing them to a third-party administrator. Their phone number is 888-345-0084 and they advertise 24/7 availability.
Answer a few quick questions to see what fits your vehicle and budget.
| Plan | Coverage Level | Advertised Starting Price |
|---|---|---|
| Silver | Powertrain only (engine, transmission, drive axle) | From $69/mo |
| Supreme | Extended -- adds electrical, AC, steering, suspension | Mid-range |
| Titanium | Most comprehensive -- near exclusionary coverage | Higher |
| Rim & Tire | Rim and tire damage protection (add-on) | $49/mo additional |
Three tiers is fewer options than most competitors. Endurance offers 6 plans, Complete Auto Protect offers 5, and CARCHEX offers 21 contracts across 5 tiers. If you need specific coverage customization, Empire's limited tier structure may not be the right fit.
The "$69/mo" advertised price is the entry point for basic powertrain-only coverage on a qualifying vehicle. Actual pricing varies significantly by vehicle year, make, model, and mileage. Most drivers report paying $100-$160/month for the Supreme or Titanium plans on mainstream vehicles.
Empire has over 2,000 Google reviews at 4.4 stars -- one of the highest review counts in the VSC industry. This is a genuine strength. However, the picture on third-party review platforms is more mixed:
| Factor | Empire Auto Protect | Complete Auto Protect | Endurance |
|---|---|---|---|
| Plan tiers | 3 plans | 5 plans | 6 plans |
| Entry price | From $69/mo | From $89/mo | From $80/mo |
| BBB Rating | Not listed prominently | A+ | A |
| Google reviews | 2,000+ at 4.4 stars | Growing | Strong |
| Claims handling | In-house | In-house direct | In-house direct |
| Maintenance coverage | No | No | Yes (Advantage plan) |
| Max mileage | Up to 200K miles | Up to 250K miles | No cap |
| Complaint patterns | Coverage cap complaints | Clean | Moderate |
Yes -- Empire Auto Protect is a legitimate, operating vehicle service contract company. They pay real claims, have over 2,000 verified Google reviews, and have been in business for several years. The concerns are not about legitimacy -- they are about the gap between sales representations and contract terms that appears in multiple customer complaints.
The pattern of complaints about coverage caps and sales misrepresentation is worth taking seriously. Read the contract before purchasing, specifically verify the coverage percentage, and get all verbal representations confirmed in writing.
Get quotes from Empire Auto Protect alternatives including Complete Auto Protect. Free, 30 seconds, no obligation.
Check My Coverage Options →Yes. Empire Auto Protect is a legitimate vehicle service contract company with over 2,000 verified Google reviews and an active claims operation. The concerns are about sales practices and coverage cap transparency, not about whether the company exists or pays claims entirely.
Plans start at $69/mo for basic powertrain coverage. Most drivers pay $100-$160/month for the Supreme or Titanium plans on mainstream vehicles. The $69/mo advertised price is specifically for the Silver plan which only covers the engine and transmission.
Multiple customer complaints describe coverage caps of 40% up to $2,500 on certain plans that were not disclosed during the sales process. Always request and read your specific contract before purchasing to verify the coverage percentage that applies to your plan.
Empire Auto Protect's phone number is 1-888-345-0084. They advertise 24/7 availability.
Empire offers a 30-day money-back guarantee for new customers. After 30 days, contact their customer service team to initiate cancellation. Get confirmation of cancellation in writing and verify on your bank statement that charges have stopped.
Most drivers overpay 300–400% at the dealer. Takes 30 seconds to check your real options.