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State Farm auto insurance review

State Farm roadside assistance and towing

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This insurer’s roadside assistance service will come to your rescue, even if you didn’t add it to your policy.

Car breakdowns and lockouts can be stressful. And if it happens to you, State Farm has a network of experts on call to help you get your car back on the road. A policy add-on, the 24/7 Emergency Roadside Service pays for towing and labor expenses. But if your repairs take longer than an hour, you’ll have to pay out of pocket.

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What does State Farm’s roadside assistance include?

State Farm’s Emergency Roadside Service covers small-scale mechanical problems. If your car breaks down or becomes immobilized, the insurer will pay for these basic expenses:

  • Mechanical labor at the breakdown site for up to one hour.
  • Towing to the nearest repair location, if the covered vehicle isn’t in drivable condition. State Farm doesn’t impose a distance limit, unlike other carriers like Geico.
  • Towing if the vehicle is stuck on or next to a public road.
  • Delivery of gas, oil, battery or tires.
  • Locksmith labor if the key is lost, stolen or locked inside the vehicle for up to one hour.

What’s not covered?

Like most insurers, State Farm puts standard limits on its roadside assistance. Check with your agent and read the fine print to find out if your policy has additional limitations.

  • The cost of towing your vehicle outside State Farm’s limits.
  • Labor costs beyond the first hour. This includes mechanical and locksmith labor, the removal of stuck vehicles, the delivery of gas and oil, and assistance with jumpstarting or changing a tire.
  • Replacement items such as tires, gas and batteries.

How do I get towing coverage from State Farm?

With State Farm, you can opt into roadside assistance for a fee when you purchase your policy. To buy coverage online, follow these steps:

  1. Go to the State Farm website.
  2. On the homepage, click Get a quote.
  3. Select Auto.
  4. Enter your ZIP code.
  5. Fill out the fields for your personal information, driving history, make and model of your car and nominated drivers.
  6. When you reach the policy add-ons page, choose Emergency Road Service.

If you want to add roadside assistance to your current policy, contact your local agent or call State Farm at 877-627-5757. The team is available 24/7.

If you’re a State Farm customer but don’t have the roadside add-on, you can access its Emergency Roadside Service for a per-use fee, though it’s typically lower than market rates.

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How much does State Farm’s roadside assistance cost?

State Farm charges a $4.56 annual fee for Emergency Roadside Service add-on coverage. That’s a pretty reasonable rate compared to other providers. This covers the first hour of labor, whether it’s a breakdown, extrication, towing or locksmith work. After that, you’ll have to pay for any extra expenses out-of-pocket.

How do I use roadside assistance from State Farm?

When you’re stranded, there are two ways to call on roadside assistance, by app or by phone.

By app

  1. Log into the State Farm app.
  2. Click Get Roadside Assistance.
  3. Select the Service you need: Tow, Jumpstart, Flat Tire, Gas/Oil, Locksmith, Stuck Car or Other.
  4. Enter your Location. If you have location services, your phone may do this automatically, otherwise you can manually type it in.
  5. Choose the Driver and Vehicle.
  6. Add your Preferred Contact, if applicable.
  7. Press Submit Request.

By phone. Call 877-637-5757 and an agent records your details and dispatches someone to the site.

Alternatives to State Farm roadside assistance

Name Product Roadside assistance New car protection Available states
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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.
AAA
Included free
Yes, cars under 1 year old & 15,000 miles
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Known for travel and roadside assistance, AAA is also one of the largest auto insurance providers in the world.
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Yes, cars under 3 year old & 15,000 miles
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Progressive covers anything on wheels! Progressive offers coverage for cars, trucks, motorcycles and snowmobiles. Even Segways are covered.

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Bottom line

State Farm’s roadside assistance coverage is fairly standard. It covers basic towing and the cost of labor for up to an hour — which is enough time to solve most small mechanical issues and lockouts.

One of the most attractive features of State Farm’s Emergency Roadside Service is its accessibility. All drivers can use it, even if they didn’t purchase it with their policy. To squeeze the most value out of your car insurance, be sure to compare providers.

Frequently asked questions about State Farm towing

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Katia Iervasi

Katia is a freelance writer from sunny Sydney, Australia. Her writing — and curiosity — has taken her around the world, and she now calls chaotic, creative New York home. She navigates insurance and finance for Finder, so you can splash your cash smartly (and be a pro when the subject pops up at dinner parties).

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