USAA roadside assistance is not as good as AAA because it offers a lot less coverage. Even for customers who already have a USAA car insurance policy, roadside assistance from USAA is a poor alternative to AAA’s plus and premier plans.
USAA roadside assistance has one standard plan and costs $12 to $20 annually. AAA, on the other hand, has three levels of memberships with prices ranging from $38 to $171 per year, depending on the state and chosen plan.
USAA Roadside Assistance vs. AAA Roadside Assistance
Yes, USAA does offer free towing for customers who have the company’s roadside assistance coverage. USAA roadside assistance is provided by Agero, generally costs $20 per year and includes towing services to the nearest repair facility. USAA customers can request roadside assistance online, or they can call 800-531-8555.
While USAA’s roadside assistance covers towing and other services, it doesn’t cover the cost of repair parts, replacement keys, or major fixes due to things like engine failure or structural damage. You should also be aware that USAA's towing services do not apply if you need winching (extrication from mud, snow, ice), and you can't get services at an off-road location (only on or near public roads).
USAA roadside assistance is worth it for drivers who are looking for basic coverage at a low price. USAA customers can purchase roadside assistance as a policy add-on for $12 to $20 per year in order to get coverage for things like towing, gas delivery, and flat-tire changes.
USAA roadside assistance members can request service online or call 800-531-8555.… read full answer
What USAA Roadside Assistance Covers
Towing to the nearest repair facility
Locksmith services for lost keys or keys locked in the vehicle
Jump starting a battery
Changing a flat tire
USAA Roadside Assistance vs. Popular Competitors
$12-$20 per year
$14 per year
$16 per year
Anywhere within 50 miles
To the nearest qualified repair facility
15 miles or the nearest qualified repair shop
Only applicable if you're stuck on or near a public road
Tire Change, Jumpstart, Fuel Delivery
Other Key Things to Know About USAA Roadside Assistance
It’s worth noting that USAA roadside assistance does not include battery replacement and only offers extraction if your car is stuck on or near a public road. Additionally, drivers will need to pay out of pocket for a new key or for the gas itself in the event of a lockout or refueling service call.
Since USAA roadside assistance is fairly basic compared to the roadside assistance offered by most auto clubs, it might not be worth it for drivers who want robust coverage and extra perks. Plus, if you are not already a USAA member, you’ll need to qualify in order to get USAA car insurance with roadside assistance.
USAA Roadside Assistance Reviews
USAA roadside assistance ranks 13th out of 22 companies in WalletHub’s analysis of the best roadside assistance providers. Despite its low cost, USAA roadside assistance offers only average coverage and does not allow customers to choose between multiple levels of coverage. Major insurance companies that rank above USAA include Travelers, Nationwide, and Progressive, since they offer more coverage options than USAA.
WalletHub’s USAA Car Insurance Review gave USAA 3.3 out of 5 stars, noting its low prices and many discounts. However, USAA’s customer service has received many complaints. This dissatisfaction extends to USAA’s roadside assistance, according to customer reviews. Several drivers have noted long wait times and difficulty getting in touch with a representative.
How to Decide if USAA Roadside Assistance Is Worth It
Your driving habits and budget are the most important factors when deciding if it’s worth purchasing roadside assistance through USAA. If you have a long commute or frequently take road trips far from home, USAA might not provide enough coverage for you. On the other hand, drivers who do not anticipate needing winching or long-distance towing will find USAA to be a budget-friendly choice.
If USAA roadside assistance does not offer enough coverage for your specific needs, it’s a good time to compare quotes and see if it’s worth switching car insurance providers. Otherwise, you can always maintain your USAA policy and purchase roadside assistance from an auto club like Better World Club or Good Sam. Auto clubs are generally more expensive than USAA but provide more coverage along with added discounts and perks.
USAA roadside assistance will tow your car to the nearest repair facility, plus an additional 10 miles of towing. The specifics of USAA roadside assistance coverage may vary by state, so drivers should check their policy to learn more about limits and exclusions.
In general, roadside assistance from a car insurance company is less expensive than purchasing a motor club membership with the likes of Better World Club or AAA. Coverage might be more limited, though. To see how USAA roadside assistance compares to the competition, check out the table below.… read full answer
USAA Roadside Assistance Compared to Popular Competitors
15 miles or the nearest qualified repair shop (basic plan)
100 miles (premier plan)
In addition to towing, USAA roadside assistance includes flat tire changes, battery jump starts, gasoline delivery, and lockout services. To add USAA roadside assistance to your policy, log into your online account or call USAA customer service.
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