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Compare roadside assistance and towing coverage

Call for help on the road whenever you need it for as little as $15 a year.

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Also called breakdown coverage, roadside assistance insurance helps with a wide range of motor vehicle problems beyond just breakdowns, such as locking yourself out of your car or waking up on the morning of a road trip to a dead battery.

How much does roadside assistance cost?

Roadside assistance plans usually cost around $5 per month or $50 a year, though you can get free towing with your car insurance policy. Memberships usually include towing within a certain distance, access to emergency assistance and a free hour of labor. But you’ll need to pay for any fuel, parts or supplies to get your vehicle back on the road and any extra mileage beyond the typical towing zone.

Roadside assistance by brand

Which companies offer the best roadside assistance?

Compare costs and benefits of the most popular car insurers and driving clubs offering towing and roadside assistance. Some prices are based on your state availability.

CompanyCost of serviceTires/ batteryTowing/ winchingLockoutsOther benefits
AAA$52 per year for Classic

$92 for Plus

$129 for Premier

YesWithin 5 miles for Classic

100 miles for Plus and Premier

One tow up to 200 miles for Premier

$50 for Classic

$100 for Plus

$150 for Premier

$25 discount off new batteries

Free one-day car rental for Premier

Allstate$25 per year as car insurance add-on

$120 for pay-per-use tows

$80 to $140 for motor club

Yes$150 to $250 benefits for motor clubYesMotor club extras:

$1,500 for trip interruptions

RVs included

$100 to $250 for road hazard damage

AMAStandard: Free for members

Plus: $35 per year

Yes35 miles, no winchingYesMobile mechanic for RVs
Geico$14 per yearYesClosest dealership within 20 milesUp to $100
Liberty MutualNot specifiedYesTo the nearest repair shopYesMinor mechanical repairs
Progressive$16 per yearYes15 miles or nearest repair shop

Winching within 100 feet from road

YesOne hour of mechanical labor

Trip interruption for motorcycles and boats

State Farm$36 to $48 per yearYesTo nearest repair shopOne hour of locksmith laborMechanical labor, one hour
FarmersUp to $120 per yearYes$150, Winching within 10 feet of roadYes

How do I get roadside assistance?

You can opt into roadside assistance coverage in a few ways:

  • Car insurance companies will let you add it to a full coverage policy.
  • Car clubs and roadside assistance including 24/7 Roadservices and 365 Roadside Assistance.
  • App-based assistance companies such as Urgent.ly.
  • Vehicle manufacturers offer roadside assistance free for new cars or sometimes if your car is regularly maintained at an authorized service center.

Get free roadside assistance with your car insurance

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Esurance
40%
All states except AK, DE, HI, MT, NH, VT, WY
Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs.
Farmers
15%
All 50 states
Say hello to a local Farmers agent who can help you find the best savings from a long list of coverage options.
Allstate
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
SafeAuto
AZ, GA, IL, IN, KS, KY, LA, MS, MO, OH, OK, PA, SC, TN, TX, VA
High-risk drivers can steer into savings from discounts and payment options like reduced premiums with a down payment.
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How do I compare roadside assistance?

If roadside assistance is available through your insurer, cell phone company or automaker, you may get a good price since you’re already a member. However, dedicated roadside assistance companies and motor clubs can provide greater coverage and a number of other benefits that you might not get elsewhere.

Here are a few things to consider when comparing roadside assistance services.

  • Price of membership
  • Fees, including mileage, labor and service charges
  • Services provided
  • Response time
  • Customer service
  • Suggested or required repair shops
  • Service area

    Motor club vs roadside assistance

    Motor clubs like AAA and Allstate Motor Club offer full-service packages that include roadside assistance. While some insurers offer roadside assistance as an add-on, it’s generally more limited.

    Policies vary across insurers, but you can generally expect coverage to look like:

    Motor club
    • Assistance if your car breaks down
    • Assistance if you’re in a friend’s car and it breaks down
    • 24/7 help available
    • Trip-planning tools and discounts
    • Trip interruption coverage
    • Coverage for bikes and scooters
    • Usually limits towing distance or cost
    Roadside assistance add on
    • Assistance if your car breaks down
    • 24/7 help available
    • Doesn’t cover other cars other than yours
    • Usually limits towing distance or cost

    What does roadside assistance cover?

    You can set up roadside assistance through your car insurer or a motorist club like AAA. When you need help, you’ll call the help line and describe your issue. From there, the dispatcher can walk you through fixing the problem yourself or send out a mobile technician or tow truck.

    Breakdown

    Get your car towed to the mechanic after a breakdown for free within a certain radius with an extra charge for every extra mile. Can also include towing your camper or RV if it’s within certain size and weight limits.

    Battery died

    Whether you need a jumpstart or your battery is faulty and needs to be replaced, most technicians can help on the spot.

    Locked out of the car

    If you accidentally lock your keys in your car, your provider helps you access your vehicle, or contact a locksmith.

    Ran out of gas

    Mobile technicians normally carry an emergency supply of gasoline.

    Car won’t start

    Sometimes you just can’t get the engine running.

    Tire replacement

    Replacing a tire is a hard and dirty job. Even if know you can do it, there are plenty of reasons to call for help.

    Is roadside assistance included in car insurance?

    Sometimes roadside assistance comes as part of your premium, but usually you have to pay for it. Many insurers offer roadside assistance as an extra to a comprehensive car insurance policy.

    With membership-based roadside assistance, you can usually choose from different levels of coverage. This ranges from cheaper options that includes a limited number of calls, basic mechanical assistance and towing, to top-of-the-line cover that helps with replacement car hire and accommodation.

    Does using roadside assistance count as a claim?

    No. Roadside assistance is part of your car insurance coverage, but using it won’t raise your rates like making a claim would. However, if you abuse the service, your insurer may charge you a higher premium upon renewal, or refuse to renew your policy.

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    What’s not covered with roadside assistance?

    Roadside assistance is normally limited to small-scale mechanical problems. Usually you won’t be covered for:

    • Damage caused by an accident.
    • Battery replacement.
    • Older or antique vehicles.
    • Towing outsides specified limits.
    • Breakdowns because of a pre-existing condition may not be covered.
    • Unattended vehicles.
    • Taxis, limousines and similar commercial vehicles.
    • Oversized vehicles.
    • Being pulled out of a ditch if it’s too difficult to maneuver.
    • Service to a remote area may cost extra.
    • Service during a storm like hurricane or snowstorm.

    Can I get roadside assistance right now?

    Major providers typically allow you to become a member when your car breaks down, but they’ll charge you an additional “on-the-go” fee. This fee also applies to calls usually within 24 to 72 hours after you purchase membership.
    Some stand-alone services charge a flat rate for each emergency roadside assistance call from non-members. So instead of joining a membership program for a year and forking out an additional on-the-go fee, you only pay for the one-off help you need. This can be a lot cheaper than taking out membership on the spot for a tire change. However, stand-alone assistance rapidly becomes more expensive if you need more than one or two callouts in a year.
    Whichever option you choose, always read the terms and conditions to know exactly what you’re covered for.

    Alternatives to roadside assistance

    Prices for roadside assistance vary depending on your area and local service providers, but shopping around to compare your options can help you save money.

    • Always keep a spare tire, otherwise you may be charged for one.
    • Adding on roadside assistance through your insurance provider, auto manufacturer or cell phone company could help you save.
    • Keep jumper cables in your car and consider calling a friend or Uber instead if you need a jump.
    • If your vehicle needs to be towed, save on mileage by going to closer repair shops.
    • Think about how much gas you need before you start your trip. You’ll often be charged a fee for fuel delivery on top of the price of gas.

    Bottom line

    A roadside assistance membership could come in handy, and you have affordable options from your car insurer, motorist club or vehicle manufacturer. But even if you don’t have a plan when you get stuck on the side of the road, you can still get a tow. Compare car insurance policies with towing included to find the best deal for you.

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