Does auto insurance cover roadside assistance?

Auto insurance covers roadside assistance if it's included in your policy. You can get roadside assistance on auto insurance with full coverage insurance, which averages $86/mo, or add it separately. Availability of roadside assistance plans depends on the company. AAA roadside assistance is available separate from insurance, while State Farm roadside assistance is only offered to policyholders.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 16, 2021

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A Concise Overview

  • Getting roadside assistance on auto insurance varies for each company.
  • You may able to get free roadside assistance when you purchase an auto insurance policy.
  • Avoid out-of-pocket costs with roadside assistance.

Does auto insurance include roadside assistance? Is there roadside assistance insurance? You can get roadside assistance on auto insurance by enrolling in a full coverage auto insurance policy, or you may be able to add it even on a liabilty-only policy. Some companies will add an extra fee, while other companies have roadside assistance as a loyalty discount perk.

Roadside assistance can curb unexpected costs from towing and even vehicle breakdowns. Read on to learn more about roadside assistance and how it works in auto insurance.

If you want to start searching for which companies have roadside assistance on auto insurance, enter your ZIP code in the FREE comparison tool above to find quotes in your area.

Does auto insurance cover roadside assistance?

The short answer is yes, if you have the right coverage. Roadside assistance is a type of auto insurance, and it’s a convenient way to save money. Most auto insurance companies in the United States provide their customers with roadside assistance when they purchase a policy. Some car insurance companies will issue a higher rate if you want to add roadside assistance.

Roadside assistance auto insurance can save you from a lot of trouble, whether it be a flat tire, low fuel, a dead battery, or a tow service. Ultimately, you can save out-of-pocket costs when you have roadside assistance.

See which companies offer roadside assistance by getting auto insurance quotes from our FREE comparison tool. Enter your ZIP code to get started.

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Do top auto insurance companies have roadside assistance?

Does Geico, USAA, RACV, Travelers, Allianz, and Allstate car insurance cover or include roadside assistance? Absolutely! These companies are not just known for their market share in the insurance business; they’re known for their service. Most customers will receive roadside assistance in addition to their coverage automatically.

Geico, State Farm, and Progressive roadside assistance are the most affordable in the U.S. Overall, Geico is the cheapest roadside assistance provider ($14 per year).

AARP roadside assistance is $64 per year. It’s not the most expensive, but it costs more than most companies.

Allstate roadside assistance may be included in its policy, but the auto insurance coverage can be costly.

Let’s review the roadside assistance of some auto insurance companies in the following subsections.

Allstate Roadside Assistance vs. AAA Roadside Assistance

Why Allstate and AAA? Allstate is known for being expensive, while AAA is known for its nonprofit status. Therefore, it’ll be interesting to compare their roadside assistance policies.

Like most roadside assistance coverage, Allstate’s roadside assistance is 24 hours a day, seven days a week. Allstate has roadside assistance plans that are $79 for the first year. If you’re looking for a no-commitment option, it’ll cost you $119 per tow. Allstate policyholders can get roadside assistance for an extra $25 per vehicle.

AAA Roadside Assistance is only available to members. They can tow up to 200 miles for free. Any mileage over 200 comes with a $4 fee per mile. Your membership level can determine the number of miles on your tow limit.

State Farm Roadside Assistance Reviews

According to Business Wire, State Farm is rated as an excellent company from several financial and credit rating agencies. State Farm has the most expensive insurance rates when it comes to emergency roadside assistance. However, State Farm offers free winching if the vehicle is reachable from the road.

Watch this video on State Farm’s roadside assistance program.

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State and Factory Warranty Roadside Assistance

Did you know some state driver’s licenses have a roadside assistance service number on the back? According to Texas State Law, a motorist can call the DPS Stranded Motorist Hotline if they’re stranded on a state or federal road. New York is another state that provides roadside assistance to motorists.

You can also get free roadside assistance if your car is under a factory warranty.

The day you buy a new vehicle, your factory warranty begins. You can receive free roadside assistance from the vehicle manufacturer if the warranty hasn’t expired. Here’s a list of car manufacturers, their phone numbers, and the number of years the warranty lasts.

Free Roadside Assistance Warranty by Vehicle Manufacturer
Vehicle ManufacturerPhone NumberYears on Warranty
Acura800.594.85004
Audi800.411.99884
BMW800.332.42694
Buick800.252.11126
Cadillac800.224.14006
Chevrolet800.243.88725
Chrysler800.521.27795
Dodge800.521.27795
Fiat888.242.63424
Ford800.241.36735
GMC800.677.49275
Honda866-864-52113
Hummer888.275.56085
Hyundai800.243.77665
Infiniti800.662.62004
Isuzu800.444.03037
Jaguar800.452.48274
Jeep800.521.27795
Kia800.333.45425
Land Rover800.637.68374
Lexus800.255.39874
Lincoln800.241.36735
Mercedes800.367.63724
Mercury800.241.36735
MINI866.646.47724
Mitsubishi888.648.78205
Nissan866.668.1487 for GTR; 877.664.2738 for Leaf5
Pontiac800.762.37435
Porsche800.767.72434
Ram800.521.27795
Saab877.271.17084
Saturn866.415.58395
Scion866.322.39682
Subaru800.261.21553
Suzuki877.794.88533
Tesla877.798.37524
Toyota800.444.41952
Volkswagen800.411.66883
Volvo800.638.65863
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Car manufacturers issue a minimum of three years and a maximum of seven years on free roadside assistance.

Speaking of free, why not check out some free quotes from auto insurance companies in your area? Just enter your ZIP code to get quotes for cheap car insurance right now.

Does auto insurance cover roadside assistance: The Bottom Line

Roadside assistance and auto insurance coverages are appetizers and entrees of the car insurance industry. They can bundle into one service, which saves you from spending money from your wallet.

Unfortunately for some auto insurance customers, you’ll have to pay extra money to get roadside assistance. However, some consumers could receive roadside assistance for free as a loyalty discount perk. Each company is different, so you’ll have to ask if you can get free roadside assistance.

You’ve probably wondered, “what emergency roadside assistance is near me?” A quick internet search will lead you to a tow service in your area, but to find the best auto insurance companies in your area, you’ll need our FREE comparison tool. Just enter your ZIP code below to begin.

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Frequently Asked Questions: Does auto insurance cover roadside assistance?

Let’s recap what you’ve learned about roadside assistance auto insurance by answering a few frequently asked questions. These questions appear on search engines across the internet and provide more insight into how roadside assistance and auto insurance work together. Also, we’ve included answers about companies that we missed above.

Was there anything else we missed? Visit our main page for answers to general auto insurance questions.

#1 – What is the best roadside assistance program?

Progressive, AAA, and USAA are the top three companies with notable roadside assistance programs.

#2 – Does AAA auto insurance include roadside assistance?

Yes. AAA is known for its roadside assistance.

#3 – How do I get roadside assistance without insurance?

You can call your car manufacturer and ask for roadside assistance. If your car is under the factory warranty, you may be eligible for free roadside assistance. For all other situations, you’ll have to pay for roadside assistance.

#4 – What does Progressive’s roadside assistance cover?

It covers non-accident incidents, such as vehicle breakdowns from low fuel, dead battery, flat tire, and locking your keys in your car. Roadside assistance will help you get back on the road by providing a quick fix to minor car issues. They’ll even tow your vehicle to an auto repair shop.

#5 – Does roadside assistance make your insurance go up?

It’s possible. Roadside assistance could increase your rates by a few dollars, but it’s not a significant amount.

#6 – Do you have to pay for roadside assistance?

You pay for roadside assistance once per year. If roadside assistance isn’t on your insurance, you’ll have to pay out of pocket for roadside service. The roadside assistance cost on auto insurance is usually quite low.

#7 – How can I get free roadside assistance?

You can receive free roadside assistance if your vehicle is under the factory warranty from the manufacturer. Long-term customers may receive free roadside assistance under a loyalty rewards program with an auto insurance provider.

#8 – Do I need AAA if I have roadside assistance?

No. If you have roadside assistance with your insurance provider, you won’t need to get roadside assistance with AAA.

#9 – How much does it cost to call roadside assistance?

It shouldn’t cost you anything if you have this coverage from your insurance company. Without insurance, however, you could pay $35 to $120.

References:

  1. https://www.businesswire.com/news/home/20190724005856/en/Affirms-Credit-Ratings-State-Farm-Mutual-Automobile
  2. https://www.dps.texas.gov/director_staff/public_information/strandedmotoristhotline.htm

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