Empire's $69/mo ads are everywhere. Here is how they actually compare to Complete Auto Protect on coverage depth, pricing, and what happens when you file a claim.
Compare All Providers →You found Empire Auto Protect through an ad -- "$69/mo" is hard to miss. Before committing, here is how Empire compares to Complete Auto Protect on the factors that matter when you actually need to file a claim.
Empire Auto Protect's low advertised entry price and 2,000+ Google reviews are genuine strengths. But Complete Auto Protect's A+ BBB rating, 5-tier coverage structure, higher mileage limit (250K vs 200K), and absence of coverage cap complaints make it the stronger choice for most drivers. Empire's price advantage largely disappears when comparing equivalent coverage tiers.
| Factor | Empire Auto Protect | Complete Auto Protect |
|---|---|---|
| Headquarters | Wilmington, DE | Wilmington, DE |
| Claims model | In-house | In-house |
| BBB Rating | Not prominently listed | A+ |
| Google reviews | 2,000+ at 4.4 stars | Growing |
| FTC or regulatory actions | None noted | None noted |
| Coverage cap complaints | Multiple documented | None documented |
| Factor | Empire Auto Protect | Complete Auto Protect |
|---|---|---|
| Plan tiers | 3 plans | 5 plans |
| Powertrain plan | Yes (Silver) | Yes (Silver) |
| Exclusionary plan | Yes (Titanium) | Yes (Diamond) |
| EV coverage | Limited | Dedicated EV Exclusionary plan |
| Maintenance coverage | No | No |
| Max mileage | 200,000 miles | 250,000 miles |
| Repair shop network | Any ASE-certified shop | Any ASE-certified shop |
| Roadside assistance | Included | Included |
| Transferable | Yes | Yes |
| 30-day money back | Yes | Yes |
Empire's "$69/mo" advertising covers their Silver powertrain-only plan. Complete Auto Protect's Silver plan starts at $89/mo. On the surface Empire looks cheaper. But for equivalent mid-level coverage:
| Coverage Level | Empire Auto Protect | Complete Auto Protect |
|---|---|---|
| Powertrain only | From $69/mo | From $89/mo |
| Extended (mid-level) | $110-$150/mo | $95-$140/mo |
| Exclusionary (top-tier) | $140-$180/mo | $125-$165/mo |
For equivalent coverage tiers, Complete Auto Protect is typically priced lower than Empire. Empire's price advantage is primarily in their entry powertrain plan -- which most drivers should not be buying anyway since it does not cover AC, electrical, or suspension.
Both Empire and Complete Auto Protect handle claims in-house -- no third-party administrator. The claims process is similar for both:
The difference is in the complaint patterns. Empire has documented complaints about claim denials that customers attribute to coverage being narrower than represented at sale. Complete Auto Protect does not have a comparable documented pattern.
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Compare All Providers →For most drivers, yes. Complete Auto Protect has an A+ BBB rating, more coverage tiers, a higher mileage limit, and no documented coverage cap complaints. Empire's lower entry price applies only to its most basic powertrain plan.
Both handle claims in-house without a third-party administrator. The difference is in documented complaint patterns -- Empire has documented complaints about coverage being narrower than represented during sales. Complete Auto Protect does not have a comparable pattern.
Empire's powertrain entry plan is cheaper ($69/mo vs $89/mo). For equivalent extended or exclusionary coverage, Complete Auto Protect is typically competitively priced and in many cases cheaper than Empire's equivalent tiers.
Multiple verified customer complaints describe a 40% coverage cap up to $2,500 on certain plans that was not disclosed during the sales process. Always read the written contract before purchasing from any VSC provider and verify the coverage percentage explicitly.