No, your insurance will not go up if you use roadside assistance. While you do need to file a claim with your insurance company when using roadside assistance, your insurer is unlikely to increase your premiums for using it.
Popular Insurance Companies that Offer Roadside Assistance:
A roadside assistance plan will cost you anywhere between $1-$15 per month, depending on what your plan includes. Towing to the nearest service facility, jump-starts, fuel delivery, and tire changes are among the basic services included in a roadside assistance plan. Check out Wallethub's article on the best roadside assistance plans to find one that's best suited for your needs.
AAA roadside assistance is worth it if a driver has multiple cars, an older car, or a car with frequent mechanical problems. AAA roadside assistance might also be worth it if a driver plans to make frequent use of AAA discounts or wants extensive roadside coverage.
AAA ranked 14th out of 22 companies in WalletHub’s analysis of the … read full answerBest Roadside Assistance due to its above-average protection and reasonable pricing. Drivers can choose between three different levels of AAA roadside assistance, but they all include the same base services.
Drivers can choose between three different levels of AAA roadside assistance, but they all include the same base services.
AAA Roadside Assistance Benefits
Battery changes and jump starts
Stuck vehicle services
Other AAA benefits include trip planning services like maps and guides. AAA also provides miscellaneous discounts and perks, including hotel and rental car discounts, free or discounted passport photos, legal defense insurance, and identity theft monitoring.
The details of AAA’s services depend on the level of coverage that you choose. Prices also vary by location, just like with car insurance premiums, and some regions have a one-time enrollment fee of around $10-$15. Drivers can add family members to their plan for an additional fee, often ranging from $30 to $65 per year.
AAA Roadside Assistance Plans
Average Annual Cost
Up to 7 miles
Up to 100 miles
Up to 200 miles
Locksmith for Car
Covered up to $50
Covered up to $100
Covered up to $100
Free delivery (member pays for fuel)
Free delivery and fuel
Free delivery and fuel
Extrication If Stuck
Two trucks/drivers if needed
Two trucks/drivers if needed
Tire Change, Jump Start, Battery Service, Lockout
Trip Interruption Benefit
Up to $250
Up to $700
Up to $1,500
AAA Basic and Plus members who are in a collision up to 100 miles from home qualify for the trip interruption benefit, while Premier members can receive the benefit for a wider variety of reasons. Basic and Plus memberships also include daily credit monitoring, lost wallet assistance, and bicycle assistance up to the plan’s towing limits. Premier members receive these perks, too, as well as $10,000 in identity theft insurance and coverage for motorcycles, RVs, and trailers.
Alternatives to AAA Roadside Assistance
The top alternatives to AAA roadside assistance are your car insurance provider, your cell phone company, and competitor auto clubs.
Car Insurance Provider
Adding roadside assistance to your car insurance policy is usually cheaper than purchasing a AAA plan. However, using it – especially more than once or twice a year – might cause your premium to increase, since it can be treated as a claim. That makes AAA a good option if you can’t afford for your premium to rise.
Cell Phone Company
Cell phone companies like Verizon and AT&T offer cheap roadside assistance for their customers. In general, these plans cost $3 a month and cover four incidents per year. Verizon and AT&T roadside assistance plans cover towing, fuel delivery, flat tire changes, lockout services, and dead batteries. Verizon also includes winching. If the coverage options are enough for you, these plans can be a good value.
Many rewards credit cards offer roadside assistance benefits, but they usually involve a flat fee for each service call rather than a subscription model like AAA.
AAA competitors like Allstate Motor Club and Good Sam sell similar roadside assistance subscription services.
It’s worth noting that some providers, including AAA, might charge a small one-time enrollment fee in addition to the annual price. However, these fees vary by state and are sometimes waived.
New-Car Roadside Assistance Plans
Drivers with newer cars might not need AAA if their car warranty includes roadside assistance. If roadside assistance is not included, drivers might be able to purchase it separately at the dealership. Most plans will cover the car for 2-5 years or up to a certain mileage limit.
Bottom Line: Is AAA Roadside Assistance Worth It?
Yes, AAA roadside assistance is worth it for the average driver. Whether AAA roadside assistance is worth it for you depends on how much coverage you need and how much it costs in your state. The added perks and discounts are worth considering, too, though these bonuses will not cover the cost of membership for every driver. You can join AAA by applying online on their website or in person by visiting your local AAA branch.
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. Sometimes called towing and labor coverage, 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.
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. When purchased as an add-on, towing coverage typically includes:
Towing (up to a certain distance, in most cases)
Jumpstarts and battery replacements
Fuel delivery if you run out of gas
If you don’t have towing and labor coverage 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.
It is unlikely that getting your car towed will affect your insurance, whether it’s towed by authorities or because of mechanical problems. If your car is towed by local authorities, it will only affect your insurance if the towing was because of a violation that goes on your driving record, like a DUI. Similarly, your insurance rates might go up if you frequently use the towing service included in your company’s … read full answerroadside assistance. However, an occasional call for emergency towing is unlikely to affect your rates.
Insurers consider your likelihood of filing a claim when calculating rates, and towing does not usually relate to driving ability. Therefore, towing only affects insurance rates if it is a symptom of a larger problem.
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