Does Farm Bureau Have Good Roadside Assistance Coverage?
Last Updated on January 11, 2026
Farm Bureau sells auto insurance through separate state-based companies, so roadside assistance benefits can look a little different depending on where you live. In general, Farm Bureau roadside assistance works like other emergency roadside assistance plans: you call for help, a provider is dispatched, and the service is covered up to your policy’s roadside limit (or reimbursed after you submit receipts).
This guide explains what Farm Bureau roadside assistance typically includes, how “included with collision coverage” works in many states, and what to check in your policy so you don’t get surprised by limits.
Our Rating of Farm Bureau Roadside Assistance
3.2
out of 5
★★★☆☆
Summary
Bottom line: Farm Bureau roadside assistance can be a convenient backstop for common breakdowns, but you need to verify your state program’s limits and contact process.
Because Farm Bureau operates through separate state-based companies, roadside assistance benefits are not standardized nationwide and your declarations page controls the details. In many states, roadside assistance is bundled with collision coverage (sometimes as a reimbursement-style benefit), while other states offer it as an optional endorsement for an added premium. Coverage commonly includes towing, jump-starts, flat tire changes using a usable spare, lockout help, and emergency fuel delivery, but benefits are typically capped per event or per year and may restrict towing to the nearest qualified facility.
Best for
- Drivers whose state program includes roadside assistance automatically with collision coverage
- People who want basic services like towing, lockouts, and jump-starts handled through their insurer
- Policyholders comfortable checking limits and using state-specific dispatch instructions
Not ideal for
- Drivers who want a single nationwide program with uniform benefits and phone numbers
- People who need long-distance towing or higher, predictable caps
- Anyone expecting off-road recovery or non-emergency maintenance services
- Our Rating of Farm Bureau Roadside Assistance
- How Farm Bureau Roadside Assistance Usually Works
- What Farm Bureau Roadside Assistance Typically Covers
- Is Farm Bureau Roadside Assistance Free With Collision Coverage?
- How To Contact Farm Bureau Roadside Assistance
- Roadside Assistance Limits and Common Exclusions
- Is Farm Bureau Roadside Assistance Worth It?
- Why Farm Bureau Roadside Benefits Can Vary by State
- Final Word on Farm Bureau Roadside Assistance
- FAQs on Farm Bureau Roadside Assistance
How Farm Bureau Roadside Assistance Usually Works
Roadside assistance is designed for common breakdown problems—not collisions. If your car won’t start, you have a flat, you run out of fuel, or you need a tow, Farm Bureau’s roadside service can help dispatch assistance and pay up to a stated limit.
Depending on your state’s Farm Bureau program and your policy terms, roadside assistance may be:
- Included automatically when you carry collision coverage (common in some Farm Bureau states), or
- Available as an add-on you can add to your policy for an additional premium.
Many plans are structured as either (a) direct dispatch where the provider bills the program, or (b) a reimbursement benefit where you pay first and submit an invoice for repayment, up to your limit.
What Farm Bureau Roadside Assistance Typically Covers
Coverage varies by state and policy, but most Farm Bureau roadside programs include the essentials below.
| Service | What It Helps With | What To Watch For |
|---|---|---|
| Battery Jump Starts | Dead battery help so you can get moving | If the car still won’t start, you may need towing (which may have separate limits) |
| Towing | Tow to a repair shop (often “nearest qualified facility”) | Distance/dollar caps apply; long tows can get expensive |
| Tire Changes | Swap a flat with your usable spare | No spare (or unsafe conditions) may mean a tow instead |
| Locksmith Services | Lockout help if keys are in the car | Replacement keys/fobs and advanced programming are usually not included |
| Emergency Refueling | Limited fuel delivery to get you to a station | Fuel quantity caps are common, and you may pay for the fuel itself |
Quick tip: Ask your agent whether roadside assistance is handled as a “claim” activity on your account. Some insurers track roadside events differently than accidents, and the rules can vary by company and state.
Is Farm Bureau Roadside Assistance Free With Collision Coverage?
In many Farm Bureau states, roadside assistance is bundled with collision coverage (sometimes as a built-in roadside reimbursement benefit). A common structure is a per-event dollar limit for “reasonable emergency roadside charges.”
However, you shouldn’t assume it’s included everywhere. Because Farm Bureau is organized by state, your best move is to check your declarations page or ask your local Farm Bureau office what roadside benefit (if any) comes with your policy—especially if you’re comparing liability-only vs. full coverage.
How To Contact Farm Bureau Roadside Assistance
Roadside assistance phone numbers and claim steps vary by state. For example, South Carolina Farm Bureau Insurance lists a roadside dispatch number at 1-866-291-0188 and provides a printable “Help Is On The Way” handout for customers: Help Is On The Way document (PDF).
If you don’t have that state-specific number for your policy, check your ID card, declarations page, or your Farm Bureau member portal for the correct dispatch contact information.
Roadside Assistance Limits and Common Exclusions
Roadside assistance is usually capped per event (or per year). Limits can be based on a maximum dollar amount, towing distance, or both. It may also have eligibility rules (like the covered vehicle must be listed on the policy).
Common exclusions and limitations include:
- Non-covered vehicles: Some programs exclude certain heavy-duty/commercial vehicles, specialty vehicles, or equipment.
- Off-road recovery: Winching or recovery beyond “near the roadway” may not be covered.
- Costs beyond the cap: If a tow or locksmith bill exceeds your limit, you typically pay the difference.
- Non-emergency or maintenance services: Roadside is for emergencies, not routine maintenance.
Is Farm Bureau Roadside Assistance Worth It?
Whether Farm Bureau roadside assistance is “good” depends on your policy’s limit and how you drive.
| When It’s Often Worth It | When You Might Skip It |
|---|---|
| You drive an older car, commute long distances, or frequently travel in areas with limited services | You already have reliable roadside coverage through a club, warranty, credit card, or another policy add-on |
| Your Farm Bureau roadside benefit is included automatically (or priced very low) compared to alternatives | You need long-distance towing or higher caps than your Farm Bureau benefit provides |
| You want one phone number for dispatch and a straightforward reimbursement process | You rarely drive and can comfortably pay out of pocket for the occasional tow |
Also remember: no state requires you to carry collision coverage (state minimum requirements focus on liability). If you only carry liability but want roadside protection, ask Farm Bureau whether roadside assistance can be added as a standalone endorsement.
Why Farm Bureau Roadside Benefits Can Vary by State
Farm Bureau isn’t one single national auto insurer. Each state’s Farm Bureau operates differently, with different endorsements, service vendors, limits, and phone numbers. That’s why a driver with Farm Bureau of South Carolina may have different roadside details than a driver insured through Oklahoma Farm Bureau.
If you’re shopping or changing coverages, don’t rely on generic assumptions—confirm the roadside endorsement language and limits on your policy documents.
Final Word on Farm Bureau Roadside Assistance
Farm Bureau roadside assistance can be a helpful, low-hassle option for everyday emergencies like towing, lockouts, jump starts, fuel delivery, and tire changes. In many states, it may be bundled with collision coverage or offered as an affordable add-on—but the limits and rules are state-specific.
If you’re trying to decide, compare (1) your per-event limit, (2) towing distance rules, (3) whether you’ll be reimbursed vs. billed directly, and (4) whether you already have roadside coverage elsewhere. For some drivers, Farm Bureau is the “free” solution; for others, a higher-limit plan makes more sense.
Related: If you’re seeing roadside assistance advertised as included, this guide on free roadside assistance explains what “free” usually means and where the limits show up.
