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Compare roadside assistance and towing coverage

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Call for help on the road whenever you need it.

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.

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Compare roadside assistance costs and coverage from top car insurance companies.

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Our top pick: Allstate

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Get roadside assistance from top insurance companies

Name Product Roadside assistance New car protection Available states
Included free
Yes, cars under 2 years old
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Included free
No
AZ, AR, DE, IL, IN, IA, KY, LA, MD, MI, MS, MT, NM, ND, OH, OK, OR, PA, TX, UT
Root offers simple, affordable insurance that?s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save. Available in 20 states.
Included free
Yes, cars under 1 year old & 15,000 miles
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
Included free
Yes, cars under 2 years old
All 50 states
Backed by nearly 100 years in the business, Farmers Insurance aims to offer options and support to help you find the coverage you need.
Included free
No
AZ, GA, IL, IN, KS, KY, LA, MS, MO, OH, OK, PA, SC, TN, TX, VA
Known for providing insurance to high-risk customers who may have trouble finding coverage elsewhere, SafeAuto offers a lot of different discounts, from those for homeowners to good drivers.

Compare up to 4 providers

What does roadside assistance service include?

Coverage depends on your provider and how much insurance you can afford. However, most insurance companies include:

  • Initial phone consultation. If you have the right tools the dispatcher could help you resolve your issue over the phone.
  • Sending a mobile technician. If the problem is too much for you to handle, the provider sends a mobile mechanic to you.
  • Towing services. If your car needs to be towed for repair, it’s covered to a specified distance. A tow further may cost you.
  • Optional extras. Some top-end membership packages get you to emergency accommodation and assistance with taxi fares.

When would I need roadside assistance?

There are several reasons people need roadside assistance.

Battery issues

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

Lockout services

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

Emergency fuel supply

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.

Caravan towing

Many providers offer to tow your caravan if it is within their size and weight limits.

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.

Which companies offer roadside assistance?

  • Most major insurance companies such as Allstate and Esurance.
  • Standalone roadside assistance organizations including 24/7 Roadservices and 365 Roadside Assistance.
  • App-based assistance providers such as Urgent.ly.
  • Some vehicle manufacturers offer roadside assistance if your car is regularly maintained at an authorized service center.

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

Compare roadside coverage

How much does roadside assistance cost?

Roadside assistance plans usually cost around $5 per month, but there are cheaper options. Memberships usually include 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.

They sometimes include a few free tows within a certain distance. So if the repair shop you choose is outside that range, you’ll likely be charged for extra mileage.

How can I save on 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.

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 still get roadside assistance if I’m not already covered?

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 call for assistance. 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.

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Should I add roadside assistance or sign up for a service?

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

Does roadside assistance cover me nationwide?

Once you’re eligible for roadside assistance, you’re covered no matter where you are. Most state-based organizations have reciprocal arrangements, meaning you can use the service even if you’re out of your state.

Can I get roadside assistance if I’m not in my usual car?

Like other coverage, roadside assistance covers a specific vehicle, rather than a specific driver. So in most cases, it doesn’t matter who is driving the car, as long as the car is covered for roadside assistance.

With some organizations, if you’re already a member but the car you’re in is not covered, you’ll need to pay an on-the-go fee, but usually at a discount.

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