State Farm vs. USAA Insurance

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 $15 per six-month policy in order to get coverage for things like towing, gas delivery, and locksmith services.

What Does State Farm Roadside Assistance Cover?

• Towing to the nearest repair location, if the car isn't in drivable condition.
• Mechanical or locksmith labor at the breakdown site for up to one hour.
• Towing if the vehicle is stuck on or next to a public road.
• Delivery of gas, oil, a car battery, or tires in order to make the car drivable.

State Farm roadside assistance does not include extraction of your car from mud, snow, or water. Additionally, drivers will need to pay out of pocket for gas, oil, or any other item that is provided, though the delivery itself is 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 Reviews

State Farm roadside assistance ranks 10th out of 22 companies in WalletHub's analysis of the best roadside assistance providers. Despite its low cost, State Farm roadside assistance offers only average coverage and does not allow customers to choose between multiple levels of coverage.

State Farm Reviews and Ratings

• Reviews on WalletHub: 3.8/5
• J.D. Power: 4.2/5
• NAIC: 1.44
• 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 and budget are the most important factors when deciding if it's worth purchasing roadside assistance through State Farm. If you have a long commute or frequently take road trips far from home, State Farm might not provide enough coverage for you. On the other hand, drivers who do not anticipate needing winching or long-distance towing will find State Farm to be a budget-friendly choice.

If State Farm 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 insurers. Otherwise, you can always maintain your State Farm policy and purchase roadside assistance from an auto club like Better World Club or Good Sam. Auto clubs are generally more expensive than State Farm roadside assistance but provide more coverage along with added discounts and perks. 

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.

What USAA Roadside Assistance Covers

• Towing to the nearest repair facility
• Locksmith services for lost keys or keys locked in the vehicle
• Gas delivery
• Jump starting a battery
• Changing a flat tire

USAA Roadside Assistance vs. Popular Competitors

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.  

To file a complaint with State Farm, call customer service at 1-800-782-8332, post about the company on social media, email the company, or mail a written complaint. Customers can also file a complaint about State Farm with the Better Business Bureau or their state's insurance regulator.  

How to File a Complaint With State Farm

1. Call State Farm. Customers can call State Farm at 1-800-782-8332 to speak with a customer service representative and report the details of their complaint.
2. Write State Farm a letter. Customers can mail a written complaint to State Farm at State Farm Insurance / One State Farm Plaza / Bloomington, IL 61710. They must indicate the specific department the complaint is about in the address, such as car or home insurance.
3. Tweet. If you can't get the company's attention elsewhere, you can tweet @StateFarm, the company's official customer service Twitter.

What You Need to File a Complaint With State Farm

• Your name, address, and phone number
• The name of any specific agent/broker
• Your policy number
• Any relevant claim number
• The details of your complaint/concern

Other Ways to File a Complaint Against State Farm

Customers can file a complaint against State Farm with the Better Business Bureau (BBB) using the Bureau's online claim submission process. The Better Business Bureau forwards complaints within two days, and customers will be notified of any response from State Farm or if they fail to respond.

Lastly, you can write a review of State Farm on WalletHub. So, if you're disappointed with any element of State Farm's service, you can rest easy knowing that you have several options for filing a complaint.

State Farm roadside assistance costs about $15 per six-month policy, though exact prices may vary depending on the state and the covered vehicles. State Farm roadside assistance is an optional endorsement that customers can add to their car insurance policy and use when they need emergency towing, fuel delivery, and more.

State Farm Roadside Assistance Cost Comparison

Purchasing roadside assistance from your car insurance company is usually less expensive than a motor club membership from a company such as AAA. However, it might not provide as much coverage. 

State Farm Roadside Assistance Includes:

• Towing to the nearest repair shop
• Delivery of gas, oil, or a battery
• Battery jump-starts
• Tire changes
• Lockout services (up to one hour)
• Mechanical labor (up to one hour)

State Farm roadside assistance is meant to help drivers in need of immediate rescue, but it usually does not pay for the underlying problem, such as engine repairs or a battery that needs replacing. Additionally, the exact number of incidents covered by a State Farm roadside assistance plan will vary by state and policy.

For more information about choosing between roadside assistance options, check out WalletHub's guide to the best roadside assistance.

You can get the State Farm Steer Clear discount by completing the company's safe driver discount program in six months, and then continuing to meet your state's eligibility requirements. State Farm's Steer Clear discount encourages young people to be safer drivers, and it can save them up to 15% on their premium.

However, the discount isn't available in California, Hawaii, Massachusetts, North Carolina or Rhode Island. There are a few minimum requirements that participants who live in eligible states must meet, too.

State Farm Steer Clear Discount Requirements

• Be under 25 years old (in most states)
• Have fewer than three years of driving experience
• Have a valid driver's license or learner's permit
• Have no at-fault accidents or tickets in the past three years
• Take 10 practice driving trips, totaling at least five hours

How To Get The State Farm Steer Clear Discount

1. Contact State Farm to make sure a driver on your auto insurance policy meets the eligibility requirements.
2. Download the Steer Clear app for iOS or Android (text STEER to 78836 to receive a link). You don't need a mobile device to participate, however, as State Farm offers the training modules on its website.
3. Use the Steer Clear app or State Farm website to complete the five training courses, which cover topics like distracted driving and special driving situations. This includes watching videos and taking quizzes about safe driving.
4. Log your driving hours over the course of at least 10 practice trips, which must include at least five hours of driving time, using the Steer Clear mobile app or the trip log sheet provided by State Farm. If you use the Steer Clear app, it will track your driving habits, such as your speed, turning times, braking, and other maneuvers. It will then give you a score and feedback after each trip.
5. Sign the Statement of Qualification, which asserts that eligible drivers have completed the initial requirements for the Steer Clear Safe Driver Discount and that they understand they will lose the discount if they are involved in an at-fault accident or get a moving violation.
6. Finish all the program requirements within six months. If you complete the program using the app, you will receive a certificate of completion through the app, which you should send to State Farm, along with your digital trip log and Statement of Qualification. If you don't use the app to complete the program, send your trip log and Statement of Qualification to your local State Farm agent.
7. Confirm the State Farm Steer Clear discount is being applied to your premium by checking your bill or contacting a State Farm representative.

If you continue to meet your state's eligibility requirements, you'll continue to get your Steer Clear Safe Driver Discount. The discount is generally available only to drivers younger than 25 years old, but older drivers who have fewer than three years of active driving experience can qualify in some states. For more information, check out WalletHub's guide on State Farm discounts.

Yes, USAA offers discounts on rental cars from Enterprise, Avis, Budget and Hertz Car Rental. The exact amount of a USAA rental car discount depends on factors such as the type of car and the length of the rental period, but USAA customers can save up to 25%. In order to get a discount, you will need to provide the rental car company with your USAA policy number.

USAA Rental Car Discounts 

Can I Use USAA's Insurance for My Rental Car?

If you have liability, comprehensive, or collision coverage on your USAA policy, they will transfer to your rental car. Your rental car will have the same coverage limits as your personal car. As long as the car you're renting is of similar value to your own, you can probably skip the rental company's coverage. You'll also want to pass on rental insurance at the counter if you plan to use a credit card as secondary coverage.

No, State Farm does not offer gap insurance. Instead of traditional gap insurance, State Farm has a Payoff Protector® benefit, which is similar to gap insurance and included with every vehicle financed by State Farm Bank or used as collateral on a State Farm loan.

How State Farm's Version of Gap Insurance Works

Like gap insurance, State Farm's Payoff Protector benefit covers the outstanding principal balance on a State Farm auto loan after the car is totaled or stolen and the primary insurance provider pays its share.

Once a customer's collision or comprehensive insurance provider (it doesn't have to be State Farm), or another driver's liability insurance, makes its payment, Payoff Protector will pay the rest owed to State Farm Bank. The loan must be in good standing for the Payoff Protector benefit to apply.

State Farm Payoff Protector Eligibility

State Farm's Payoff Protector benefit isn't an insurance product that can be purchased by customers without a loan contract from State Farm Bank. It also has different rules and restrictions depending on where a customer lives. For more information about State Farm Bank's Payoff Protector benefit, call the company directly at 877-SF4-BANK (877-734-2265).

Yes, State Farm offers free towing to the nearest repair facility for their roadside assistance customers. State Farm roadside assistance costs around $15 per six-month policy and customers can request roadside assistance online, or by calling 1-877-627-5757.

State Farm Roadside Assistance Covers

• Towing services to the nearest repair facility
• Delivery of gas, oil, a battery, or tire change
• Up to one hour of locksmith labor
• Up to one hour of mechanical labor for issues like mechanical problems, transmission trouble, or a fluid leak, among other things

While State Farm'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.

State Farm Free Towing Limit vs. Popular Competitors

State Farm has accident forgiveness for drivers who have been State Farm customers for nine years with no accidents on record. State Farm accident forgiveness allows qualifying drivers to avoid surcharges and keep their accident-free discount after one at-fault accident per policy.

Requiring customers to be accident-free for nine years makes State Farm unique among major insurers. Most competitors only require three to five years without accidents to qualify for accident forgiveness.

Without accident forgiveness, an at-fault crash leads to an average premium increase of 56% for State Farm customers. However, it's important to note that State Farm accident forgiveness is state-specific and is not available everywhere. Contact a State Farm agent in your area for more information on your eligibility.

Yes, State Farm insurance rates are competitive, since the company is one of the five cheapest insurers nationally, according to WalletHub's cheap car insurance analysis. State Farm car insurance costs an average of $919 annually or $77 per month.

Factors That Affect State Farm Insurance Rates

• State requirements
• Driving record
• Age
• Car make and model
• ZIP code
• Marital status
• Gender

Sample State Farm Car Insurance Rates

These sample quotes are representative of State Farm's insurance prices, but individual results will vary. To learn more about how we obtained these sample quotes, check out the methodology section of our complete State Farm car insurance review.