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Motorcycle roadside assistance

Get peace of mind that a mechanic or tow truck is a phone call away if your bike breaks down.

Compare motorcycle insurers offering roadside assistance coverage. Narrow down options by states served, accident forgiveness and more to get a quote.
Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive motorcycle insurance
All 50 states
Enjoy some of the widest coverage with the lowest price thanks to add-ons and freebies like replacement cost coverage.
Allstate motorcycle insurance
All 50 states
One of the longest lists of coverage options for bikes, plus free perks like equipment coverage for your high-end riding gear.
The AARP Auto Insurance Program from the Hartford
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
USAA motorcycle insurance
USAA salutes military members and their families with membership savings, safety rewards and convenient bundling.
Get a great deal online with steep discounts and some of the highest liability limits available.
Liberty Mutual motorcycle insurance
All 50 states
Enjoy unique perks along with your wide bike coverage, like free accident forgiveness after going claims-free with any insurer.

Compare up to 4 providers

Motorcycle roadside assistance could come in handy if your bike breaks down on the side of the road. It’s ideal for frequent road trips or daily rides or if you rely on your motorcycle as your main way of getting around. Yet it might not give you as much benefit if you’re a casual rider that sticks close to home. Towing insurance protects your trip from popped tires, dead batteries and more — for about $2 a month.

How does motorcycle roadside assistance work?

Motorcycle roadside assistance works differently from other bike insurance coverage. Rather than filing a formal claim, you simply call your emergency roadside number to receive assistance.

Your insurance company then sends out a tow truck to help you reach the nearest service shop or a mobile mechanic to help you fix minor issues, like jumpstarting your engine. Most policies cover towing to the nearest repair shop up to a specified distance. If you exceed that distance, you may be charged a fee per mile.

In some cases, your insurance will ask you to call a local towing service and keep expense records. Then, you’ll contact your insurance company to get reimbursed for the costs later.

Does using this coverage count as a claim?

Roadside assistance calls typically get categorized separately from other insurance claims, but it depends on your insurance company and policy. Some companies track service calls and raise your premium after so many — especially if you use the service frequently, such as every few months.

Avoid a premium increase by reserving this insurance for emergencies only. You can also purchase coverage as a stand-alone service from some companies. Doing so prevents a rate increase over your entire insurance policy if an increase does occur.

What does motorcycle roadside assistance cover?

Roadside coverage lets you request help for minor repairs or assistance so you’re not left stranded on the side of the road.

Coverage often included in roadside assistance:

  • No-cost towing within a specified distance
  • Motorcycle retrieval if stuck in a ditch or similar situation
  • Flat tire
  • Engine jumpstart
  • Lost key service
  • Fuel, oil or water delivery

Motorcycle towing insurance in action

Bobby is out riding his bike in a remote spot over 100 miles from home. Suddenly, he has unexpected engine problem that forces him to pull over.

Knowing he has towing insurance, Bobby pulls to the side of the road to call a local tow truck, which helps him get to the nearest repair shop located 40 miles away. His policy only covers the tow truck up to 35 miles.

He pays for the tow truck and labor expenses upfront, then files for reimbursement from his insurance company later. Once the claim is settled, Bobby pays only $10 for the extra towing mileage. He’ll also pay for the motorcycle repairs out of pocket.

What’s not covered?

You may not be able to use your towing or roadside assistance coverage in some situations:

  • Service call limits. You may be limited on the number of service calls you make. If you go above the limit, you could experience a premium increase or be denied roadside service.
  • Mileage limits. Many companies specify a maximum distance for towing your motorcycle. You may pay extra fees if towing goes beyond that distance.
  • Repair shop fees. Towing insurance may get you to the repair shop, but you’ll pay for any repairs once you’re there.

How to buy motorcycle towing insurance

You can easily purchase this coverage or add roadside assistance to an existing policy:

  1. Compare bike insurance providers that offer towing or roadside assistance. If you already have motorcycle insurance, you could check coverage options with your current provider.
  2. Determine whether you need only towing services or a full suite of roadside assistance, such as fluid delivery, tire repairs, battery jumpstart, locksmith services and even trip interruption.
  3. Look at what the insurance company offers. Look at the situations that the policy covers as well as its rates, discounts and any requirements to getting roadside services covered. Some companies only allow a set number of calls per policy period.
  4. Choose a provider that best meets your towing insurance needs, complete an online or phone application and start your policy.
  5. To add to an existing policy, simply contact your insurance company by phone to let them know the change. Many insurance companies allow you to add coverage directly from your computer or phone by logging into your customer account.

Bottom line

Motorcycle towing insurance covers the cost of a tow truck if your motorcycle breaks down on the road. This coverage is often added to motorcycle roadside assistance, which provides additional assistance for minor repairs. Consider bike insurance companies that offer roadside assistance and see whether their roadside coverage, overall cost and benefits are right for you.

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