Does State Farm have free towing?

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.… read full answer

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.

Car insurance does not cover towing if you have a liability-only policy, but it might if you have full coverage. Many full coverage car insurance policies will reimburse drivers for towing that results from a collision but won’t cover towing due to a mechanical issue or breakdown.

Some full coverage policies only cover towing if you pay extra for … read full answerroadside assistance, though. Roadside assistance is usually an easy and affordable add-on. You can add it to your policy for around $5 to $15 per car, per month.

When purchased as an add-on, roadside assistance typically includes:

• Towing (up to a certain distance, in most cases)
• Flat-tire changes
• Jumpstarts and battery replacements
• Fuel delivery if you run out of gas
• Locksmith services

Some insurers offer towing and labor coverage in addition to roadside assistance plans. Towing and labor plans typically cover towing, tire changes, and jump starts but not the full scope of services available with roadside assistance. Because towing coverage varies so much from policy to policy, it’s important to know exactly what is covered by speaking to your insurer directly.

If you don’t have roadside assistance as part of your car insurance, you could also consider purchasing roadside assistance from a third-party, like AAA. Third-party providers offer the same roadside services you would get by adding on to your insurance policy, but some have extra perks. AAA, for example, offers free trip-planning tools, identity theft monitoring, and thousands of shopping, entertainment, and dining discounts.

Yes, AAA offers roadside assistance starting at $29+ per month. AAA roadside assistance provides coverage for things like jump-starting, fuel delivery, lock-out assistance, and tire changes, up to 4 rescues per year. To get immediate roadside assistance help, AAA members can request service online, through the AAA mobile app, or by calling … read full answer800-AAA-HELP (800-222-4357).

AAA offers a AAA Classic, AAA Plus, and AAA Premier plan. AAA Classic is the cheapest and offers the least amount of coverage, while AAA Premier is the most expensive and offers the most coverage.

What AAA’s Basic Roadside Assistance Covers

• Tow service
• Jump starts
• Fuel delivery
• Lockout service
• Tire change
• Trip interruption reimbursement
• Legal defense reimbursement

AAA Roadside Assistance Plans

The exact cost of roadside assistance from AAA will depend on where you live, what type of car you drive, and other factors.

It’s also important to note that coverage is subject to any other details stated in your policy. That could mean service charges for certain roadside events, like being towed over a certain number of miles or to specific garages.

To purchase roadside assistance from AAA, call your regional AAA club to speak with a customer service representative.

To learn more, check out WalletHub’s full review of AAA, as well as our picks for the best roadside assistance companies.