Is Liberty Mutual’s Roadside Assistance Coverage Worth It?

Last Updated on December 21, 2025

Liberty Mutual’s 24-Hour Roadside Assistance can be a convenient, low-cost safety net—especially if you already have (or are considering) Liberty Mutual auto insurance. It’s typically offered as an optional endorsement (often referred to as Towing & Labor coverage) that helps when your car is disabled due to a breakdown.

So, is Liberty Mutual roadside assistance worth it? For many drivers, yes—because one tow or lockout can cost more than a year of the add-on. But it’s not a perfect replacement for a full membership program like AAA, and there are important limits to understand before you add it.

Key Takeaways

• Liberty Mutual’s 24/7 roadside assistance is typically an optional “Towing & Labor” add-on that helps with common breakdown needs like towing, jump-starts, lockouts, and flat tires.
• The biggest limitation is towing: coverage is often to the nearest qualified repair facility, and policies may have dollar/usage limits that vary by state.
• It’s usually worth it if you don’t already have roadside assistance through AAA, a credit card perk, or your vehicle warranty—because one tow can cost more than a year of the add-on.
• To request help, call Liberty Mutual roadside assistance 24/7 at 1-800-426-9898 or use the Liberty Mutual mobile app (where available).

Quick Answer: Is Liberty Mutual Roadside Assistance Worth It?

• Worth it if you want an inexpensive add-on for occasional breakdowns and you don’t already have roadside assistance elsewhere.
• Maybe not worth it if you want long-distance towing to a shop of your choice, you have multiple vehicles/drivers to cover, or you already get roadside assistance through AAA, a credit card, or your vehicle’s warranty.

Do I Need Roadside Assistance Coverage?

Most drivers can benefit from roadside assistance coverage because breakdowns aren’t predictable—and being stranded can be stressful, unsafe, and expensive.

Roadside assistance is especially useful if you:

• Drive older vehicles (more likely to have mechanical issues)
• Commute long distances or drive in rural areas
• Travel in extreme heat or cold
• Share a car with a teen driver or new driver
• Don’t want to hunt for a towing company at 11 p.m. on the side of the road

What Liberty Mutual Roadside Assistance Covers

Liberty Mutual’s 24-Hour Roadside Assistance generally includes the most common “help me get moving again” services for a disabled vehicle:

• Towing to the nearest qualified repair facility
• Battery jump-start (note: a jump-start is different from a replacement—here’s what to expect if you need more than a jump: will auto insurance pay for a battery change?)
• Flat tire service (typically includes changing to your spare, if you have one)
• Lockout service (unlocking the vehicle if keys are inside)
• Emergency fuel delivery (you usually pay for the fuel itself)

Important: Liberty Mutual typically requires you to add roadside assistance as an optional add-on (often the Towing & Labor endorsement). If it’s not on your policy, you may still be able to request help, but you’ll likely pay out of pocket.

What Liberty Mutual Roadside Assistance Doesn’t Cover (Common Limitations)

Roadside assistance is meant for breakdowns and disablements—not every situation that can happen on the road. Here are the limitations that matter most when deciding if it’s worth it:

• You may not get your choice of tow destination. In many cases, towing is limited to the nearest qualified repair facility.
• There may be dollar limits or usage limits. These vary by state and policy form. Always check your declarations page and endorsements for the maximum covered amount per service event and any annual limits.
• Fuel isn’t free. Delivery may be included, but you typically pay for the gasoline.
• It doesn’t pay for repairs. Roadside assistance helps get you to a shop or gets you back on the road—it doesn’t cover the cost of mechanical parts or labor at the repair facility.
• Accident towing may be handled differently. If your car is being towed due to a collision, that may fall under your collision/comprehensive claim rather than “roadside.”

How Much Does Liberty Mutual Roadside Assistance Cost?

Liberty Mutual roadside assistance is usually priced as a small add-on to your auto policy (often just a few dollars per month), but the exact cost depends on your state, vehicle, and coverage selections.

To decide if it’s worth it, compare the add-on price to typical out-of-pocket costs. Towing is one of the biggest expenses—especially if you need a long-distance tow. This guide explains how towing coverage usually works and what costs can look like: does car insurance cover towing?

Pros and Cons of Liberty Mutual Roadside Assistance

When Liberty Mutual Roadside Assistance Makes Sense

• You don’t already have roadside assistance through another source
• You mainly want coverage for the “big four”: towing, jump-starts, tire help, and lockouts
• You prefer the simplicity of having roadside assistance bundled with your auto policy
• Your car is older or your commute is long enough that a breakdown isn’t unlikely

When You Should Skip It

• You already have strong coverage through AAA, your vehicle manufacturer, or a credit card benefit
• You want towing to a specific shop (or long-distance towing), not just the nearest qualified facility
• You have multiple vehicles and want one plan that follows you (not just one insured vehicle)
• You rarely drive and would rather pay for roadside service only if you use it

Alternatives to Liberty Mutual Roadside Assistance

If Liberty Mutual’s roadside add-on doesn’t match what you want, you have a few common alternatives:

• AAA membership: Often offers broader towing options (including longer-distance towing at higher tiers) and may cover you as a member rather than a specific vehicle. Learn more: is a AAA membership worth it?
• Pay-per-use apps: If you don’t want a monthly add-on, apps like Urgent.ly let you request help when you need it and pay for the service you use.
• Roadside assistance from another insurer: Some carriers include different towing rules or service limits. For example, here’s how another major insurer structures it: GEICO roadside assistance coverage.

If you don’t currently have Liberty Mutual and you’re considering switching mainly for roadside assistance, shop auto insurance quotes first. Depending on your location and driving history, you may be able to find a better overall deal elsewhere. (And yes, switching is possible: can I switch my car insurance company mid-policy?)

How to Request Liberty Mutual Roadside Assistance

If you have Liberty Mutual roadside assistance on your policy, you can request help 24/7 by calling 1-800-426-9898 or by using the Liberty Mutual mobile app (if available for your policy).

Before you call, it helps to have:

• Your policy number (or the name/phone number on the policy)
• Your exact location (address, mile marker, or nearby landmark)
• Your vehicle information (year/make/model, license plate)
• A quick description of the problem (dead battery, flat tire, lockout, etc.)

FAQs on Liberty Mutual Roadside Assistance

Bottom Line: Should You Buy It?

If you already insure your car with Liberty Mutual, adding roadside assistance is usually an easy, affordable way to protect yourself from common “stranded on the road” situations. Just make sure you understand the limits—especially towing rules and any dollar caps—so you know exactly what you’re paying for.