State Farm roadside assistance is worth it for drivers who are looking for basic coverage at a low price. State Farm customers can purchase roadside assistance as a policy add-on for around $10 to $24 per year in order to get coverage for things like towing, gas delivery, and locksmith services. The exact cost of State Farm’s roadside assistance add-on varies based on the state, the type of vehicle, and other factors.
What Does State Farm Roadside Assistance Cover?
- Free towing for 10+ miles or to the nearest repair location, if the car isn’t in drivable condition, according to customer service representatives.
- Mechanical or locksmith labor at the breakdown site for up to one hour.
- Winching if the vehicle is stuck on or next to a public road.
- Deliveryof gas, oil, a car battery, or tires in order to make the car drivable (the cost of the items is not included).
Since State Farm roadside assistance is fairly basic compared to the roadside assistance provided by an auto club, it might not be worth it for drivers who want robust coverage and extra perks.
State Farm Roadside Assistance Ranking
State Farm roadside assistance ranks 10th out of 22 companies according to WalletHub’s analysis of the best roadside assistance providers. It is budget-friendly and a good fit for people who need coverage for small, occasional issues.
However, State Farm only offers one plan for roadside services, so it may not be the best choice for drivers who want additional towing miles, discounts at places like restaurants and hotels, and more perks.
State Farm Reviews and Ratings
- Reviews on WalletHub: 3.5/5
- J.D. Power: 4.2
- NAIC: 1.18
- BBB: A+
Major insurance companies that rank above State Farm when it comes to roadside assistance include Travelers, Nationwide, and Progressive, since they offer more coverage options.
How to Decide if State Farm Roadside Assistance Is Worth It for You
Your driving habits, budget, and whether you currently have State Farm insurance are the most important factors when deciding if it’s worth purchasing roadside assistance through State Farm. If you have a short commute, drive locally, and don’t anticipate needing winching or long-distance towing, it may be worth it to add State Farm’s roadside assistance to an existing policy or to switch insurers if you’re not a current State Farm customer. However, if you have a long commute or frequently take road trips far from home, State Farm might not provide enough coverage for you.
If State Farm roadside assistance does not offer enough coverage for your specific needs, you can compare quotes from other companies and consider switching to another insurer. Alternatively, you can maintain your State Farm policy and purchase roadside assistance from an auto club like AAA, Better World Club, or Good Sam. Auto clubs are generally more expensive than State Farm roadside assistance but provide more coverage along with discounts and perks.
To learn more, check out WalletHub’s review of State Farm.