Gianetta Palmer is a writer for CarInsurance101.com, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in automa...

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Reviewed by Melanie Musson
Published Insurance Expert

UPDATED: Apr 9, 2021

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Just What's Essential

  • Roadside assistance typically includes services like fuel delivery, tire changes, and limited towing
  • Roadside assistance rates range from $20 per year for cheaper services from traditional car insurance companies up to more than $100 per year from auto clubs
  • Car insurance companies typically offer very basic roadside assistance coverage, while drivers can purchase more full-service assistance through auto clubs like Better World Club and AAA

Roadside assistance covers you when you get a flat tire, need a tow, lock your keys in your car, need a jump, and more, and can be part of an affordable car insurance policy.

So, where can you buy roadside assistance car insurance? What are the best roadside assistance car insurance companies? How much do roadside assistance plans cost? Read this article to find out.

Want to shop for affordable roadside assistance car insurance? Use your ZIP code in the free tool on this page to start comparing roadside assistance car insurance quotes today.

How do you request roadside assistance?

It depends on which company you buy your roadside coverage from. For example, GEICO roadside assistance can be accessed using the company’s mobile app.

With other roadside assistance coverage, you may need to place a phone call. If your vehicle is linked with your coverage (through a service like OnStar, for example), your vehicle’s own diagnostics might signal the need for assistance.

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What are the best roadside assistance companies?

You can get roadside assistance through several insurance, credit card, and phone companies, as well as a few car clubs. So what’s better? State Farm roadside assistance or Allstate roadside assistance? What about Verizon roadside assistance?

The best company for your needs will depend on what you’re looking for, how much you drive, what you’re willing to spend, and more. Some of the best roadside assistance companies include:

  • Better World Club – offers eco-friendly, subscription-based services including bicycle roadside assistance, and will match AAA’s prices if you find cheaper service from them.
  • Travelers – offers two roadside assistance plans: basic and premier; both include winching services, and the premier includes 100 miles of towing and personal property coverage.
  • Nationwide – offers two roadside assistance plans: basic and plus; the basic includes standard coverage and ditch extraction, while the plus includes 100 miles of towing and trip reimbursement.
  • Progressive – offers roadside assistance coverage for towing and fuel delivery, as well as winching your vehicle out of things like snow, mud, and water.
  • Allstate – offers coverage for insureds and a subscription service to any driver, regardless of their insurance company; you can also use a pay-per-use service if you have the Allstate app.

So how much can all this cost you? Keep reading for more.

How much does roadside assistance cost?

The cost of roadside assistance depends on where you purchase it. Roadside assistance through a traditional insurance company won’t cost you much—probably around $20 per year (though you may be required to have collision insurance and comprehensive coverage already).

If you buy coverage from an auto club, you’re looking at a minimum of $50-$100 per year for the lowest tier coverage, but this does not include the cost of materials.

For example, if you need fuel, you’ll have to pay for the fuel’s cost when it’s delivered to you. There are also usually limitations on the coverage. If you need a tow, the amount of coverage you have defines how far the tow truck will drive. If you’re outside the set range, you’ll have to pay for any extra costs.

Some states, like New Mexico, offer courtesy patrols that cover specific areas in the state. Their primary purpose is to remove obstacles that get in the way of highway traffic flow.

If you live in the coverage zone, you may be able to call for free assistance, but the operation is not 24/7 in most cases, so having your own roadside assistance coverage is something to consider.

How do you choose the best roadside assistance for your needs?

How do you find the best roadside assistance for your needs? Should you search “roadside assistance near me”? You can, but to help you out, we’ve got some things for you to consider.

The first thing to do is decide whether or not you need roadside assistance. You may already have it with a manufacturer’s warranty, or there may be a free service where you live (like New Mexico’s courtesy patrol), in which case it may not be worth purchasing.

If roadside assistance is for you, you can buy it from your car insurance company, or you can purchase it from an auto club (which usually has more complete coverage).

You’ll also need to know if you want the coverage to be for you or for your vehicle (if you rent vehicles often, it may make more sense to buy a policy that covers you rather than your vehicle).

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Roadside Assistance Insurance: The Bottom Line

Roadside assistance is a service you can purchase from your insurance company or through an auto club, phone service, or credit card company. Auto clubs offer the most complete service options (and, as a result, cost the most), while traditional car insurance companies, phone services, and credit card companies offer more limited assistance.

Before you go, why not start shopping for roadside assistance car insurance? Take a moment to enter your ZIP code in our free tool to compare roadside assistance car insurance rates right now.