When choosing car insurance, finding a policy that includes roadside assistance can add extra peace of mind. Roadside assistance is a valuable add-on that helps drivers in emergencies like flat tires, dead batteries, lockouts, or towing needs. While many standalone services offer this coverage, bundling it with your auto insurance can save money and streamline service.
Top car insurers often offer roadside assistance as an optional rider or as part of premium packages. The best policy for you depends on factors like your driving habits, location, vehicle age, and budget. Some insurers offer 24/7 nationwide coverage with fast response times, while others might have limitations on distance or service calls.
Understanding Roadside Assistance in Car Insurance
Roadside assistance is an optional add-on or built-in feature in many car insurance policies that provides help when your vehicle breaks down or encounters issues on the road. This service can cover a range of emergencies, including:
- Flat tires
- Dead batteries
- Lockouts
- Towing services
- Fuel delivery
- Jump-starts
Why Roadside Assistance Coverage Is Important
- Safety: Getting help quickly in unfamiliar or unsafe locations is critical.
- Cost-saving: Without roadside assistance, towing and emergency services can be expensive.
- Convenience: One phone call (or app tap) can bring help right to your location.
- Travel confidence: If you take road trips or commute long distances, this coverage becomes even more valuable.
Types of Services Typically Covered
Roadside assistance coverage can vary depending on the insurance provider, but most policies typically include:
- Towing service (up to a specified mileage limit)
- Battery jump-start
- Flat tire change (if you have a spare)
- Fuel delivery (usually covers the delivery, not the cost of fuel)
- Lockout assistance (unlocking the vehicle if the keys are inside)
- Winching (pulling a stuck vehicle out of mud, snow, or ditches)
Top Car Insurance Companies Offering Roadside Assistance
Several well-known car insurance providers offer reliable roadside assistance as part of their coverage options. Here are some top contenders:
- GEICO: Offers affordable roadside assistance that can be added to your auto policy. Covers towing, lockout, battery, and tire services.
- Progressive: Offers roadside assistance with services like towing, winching, and trip interruption. You must carry collision or comprehensive coverage to qualify.
- State Farm: Known for reliable customer service and 24/7 roadside assistance, including locksmith services and towing.
- Allstate: Offers multiple roadside plans, including a pay-per-use option and a standalone membership (not just as part of a policy).
- USAA: Available for military members and their families, USAA provides excellent roadside assistance services at competitive rates.
- Nationwide: Includes a range of standard roadside features and allows policyholders to customize service limits.
How to Compare Roadside Assistance Options
When comparing car insurance policies that include roadside assistance, consider the following factors:
- Coverage details: Look into what’s specifically covered — towing distance, fuel delivery, labor costs, etc.
- Cost of add-on: Some insurers charge as little as $10–$20 per year, while others bundle it into more expensive plans.
- Service limits: How many service calls are allowed per year? Are there mileage or reimbursement limits?
- Provider network: Does the insurer use local providers or a national network? A larger network can mean faster response times.
- Response time: Some insurers offer faster and more reliable service. Reviews and customer testimonials are useful indicators.
- Technology: Look for companies with mobile apps that allow easy roadside service requests and GPS tracking.
Bundling vs. Standalone Roadside Assistance
You can get roadside assistance either through your insurance company or via standalone memberships like AAA or AARP. Here’s a comparison:
| Feature | Insurance Add-On | Standalone Membership (e.g., AAA) |
|---|---|---|
| Cost | Lower ($10–$30/year) | Higher ($50–$150/year) |
| Coverage | Basic (towing, lockout, etc.) | More comprehensive (maps, discounts, DMV help) |
| Number of calls/year | Often limited (2–4 calls) | More generous limits |
| Nationwide availability | Depends on insurer | Widely available |
| Extra perks | Limited | Road maps, travel planning, discounts |
If you only want basic roadside help, an insurance add-on might be enough. If you want broader perks and more coverage, a membership might be better.
Tips to Save Money on Car Insurance With Roadside Assistance
Here are a few smart strategies to save while still getting great coverage:
- Bundle policies: Combine auto, home, or renter’s insurance for a multi-policy discount.
- Maintain a good driving record: Clean records often lead to lower premiums.
- Increase your deductible: A higher deductible lowers your monthly premium (but make sure you can afford it in a claim).
- Ask about discounts: Look for discounts for safe drivers, students, veterans, etc.
- Review your coverage annually: Your needs can change, and so can the best rates.
- Only add what you need: Don’t overpay for services you’ll never use. Customize your roadside plan.
How to File a Roadside Assistance Claim
Filing a roadside assistance claim is generally straightforward. Most insurers have simplified this process. Here’s how it typically works:
- Call the insurer’s roadside assistance number or use their mobile app.
- Provide your location and a brief description of the problem.
- The dispatcher sends help — usually a local towing or emergency service provider.
- In some cases, you’ll pay upfront and be reimbursed after filing a claim.
- If coverage is included in your plan, the provider handles the cost directly with no out-of-pocket expense to you (within limits).
Frequently Asked Questions
What is roadside assistance in car insurance?
It’s an add-on service that helps with vehicle breakdowns, including towing, jump starts, and lockouts.
Is roadside assistance included in all car insurance policies?
No, it’s usually optional and must be added to your policy.
How much does it cost to add roadside assistance?
It typically ranges from $10 to $30 per year, depending on the insurer and coverage level.
What services are usually included?
Towing, flat tire changes, battery jump-starts, fuel delivery, lockout services, and minor repairs.
Are there limits on how many times I can use it?
Yes, most policies limit the number of service calls per year—usually 3 to 5.
Can I use roadside assistance anywhere in the U.S.?
Most national insurers offer coverage across the country, but always check the fine print.
Does using roadside assistance affect my premium?
Typically, no. Using it doesn’t count as a claim, so it usually won’t raise your rates.
Is it better than standalone services like AAA?
It can be more affordable, but standalone plans may offer more robust services and discounts.
Can I get roadside assistance without full coverage?
Yes, it’s often available with liability-only policies too.
Which car insurers offer great roadside assistance?
GEICO, Progressive, State Farm, Allstate, and USAA are known for reliable roadside service options.
Conclusion
Choosing car insurance with roadside assistance offers added security and convenience during unexpected breakdowns. Whether you’re dealing with a flat tire, dead battery, or lockout, having support just a phone call away makes a big difference. When comparing providers, consider the cost, coverage limits, number of service calls, and national availability. Some insurers offer it as a low-cost add-on, while others include it in premium plans. Depending on your driving needs, it could even replace standalone services like AAA. Look for companies with strong customer reviews and fast response times. The right policy will not only protect your car but also ensure you’re never left stranded on the road.
