How Far Will State Farm Tow My Car?

Last Updated on February 12, 2024

If you have roadside assistance with State Farm, then the company will tow your vehicle to the nearest repair facility, regardless of distance.

Whether you’re 5 miles or 100 miles from the nearest repair facility, State Farm will tow your vehicle to that location at no extra charge.

Keep reading to find out everything you need to know about State Farm’s towing limits and how far State Farm will tow your vehicle.

Key Takeaways:

1. State Farm’s roadside assistance offers unlimited towing distance to the nearest repair facility at no extra charge for members.
2. Membership in State Farm’s Emergency Roadside Service includes towing and other roadside assistance services, like flat tire changes and jumpstarts, without additional costs.
3. Non-members can still access discounted towing rates through State Farm’s pay-per-use service, negotiated with local providers.
4. Compared to other insurers, State Farm provides more generous towing limits, often surpassing the standard 5 to 15 miles competitors offer.

State Farm Tows your Vehicle to the Nearest Repair Facility

State Farm will tow your vehicle to the nearest repair facility, assuming your vehicle is on a public road and cannot be started or driven without causing damage.

Typically, roadside assistance companies tow your vehicle up to 10 miles or to the nearest repair facility – whichever is closer. State Farm, however, has no specific mileage limit on its roadside assistance plan. The company will tow your vehicle to the nearest repair facility, regardless of how far away that facility is.

Here’s how State Farm explains its policy:

“What does Emergency Roadside Service cover? Emergency Roadside Service typically covers: Towing your covered vehicle to the nearest repair facility if it’s on a public road and can’t be started or driven without causing damage.”

Whether the nearest service center is 5 miles or 100 miles away, State Farm will tow your vehicle to that location.

How State Farm’s Roadside Assistance Plan Works

If you have State Farm’s roadside assistance plan (called Emergency Roadside Service), then you’ll pay nothing to tow your vehicle.

If you don’t have State Farm’s roadside assistance plan, then you’ll need to pay for services. However, State Farm offers a discounted rate, negotiating with local service providers to help you save money.

Here’s how it works:

• If you’re a State Farm policyholder, you can add Emergency Roadside Service to your policy. This is a standard roadside assistance plan typically priced at around $25 per year.
• If you have already added Emergency Roadside Service to your State Farm policy at the time you need towing, then you’ll pay nothing extra for your service call. State Farm covers towing to the nearest repair facility for all Emergency Roadside Service members.
• If you have not added Emergency Roadside Service to your State Farm policy at the time you need towing, then you can still access a discounted rate through State Farm’s pay-per-use towing. State Farm negotiates discounted towing rates with local service providers, helping you save money even if you have not added roadside assistance to your plan.

What Else Does State Farm’s Roadside Assistance Cover?

State Farm’s roadside assistance covers the cost of towing your vehicle to the nearest repair facility, but it also covers several other roadside emergencies – from flat-tire changes to vehicle jumpstarts and more.

Here’s what State Farm covers via its Emergency Roadside Service plan:

• Towing to the nearest repair facility, assuming your vehicle is on a public road and cannot be started or driven without causing damage
• Delivery of gas, oil, a battery, or tires, assuming they’re required to make your vehicle drivable
• 1 hour of locksmith services (say, if your vehicle key is lost, stolen, or locked inside the vehicle)
• 1 hour of mechanical labor for battery replacement, electrical problems, transmission issues, fluid leaks (excluding fuel), and other mechanical issues

How Much Does State Farm’s Roadside Assistance Cost?

State Farm’s Emergency Roadside Service plan costs different rates depending on your location.

Generally, however, it’s significantly cheaper to add State Farm’s roadside assistance to your policy than to buy service from a standalone provider.

You could pay as little as $20 per vehicle, per year, for example, to add State Farm’s Emergency Roadside Service to your policy. Even if you only make one service call every few years, you might come out ahead.

Alternatively, some State Farm drivers use the pay-per-use system, paying a discounted rate via State Farm without subscribing to roadside assistance. This pay-per-use rate makes towing significantly cheaper than it would on the open market without requiring you to pay an extra subscription fee per vehicle, per year.

State Farm Towing Limits vs. Competitors

State Farm offers higher towing limits than other providers.

The company doesn’t have a specific mileage limit or towing limit; instead, State Farm tows your vehicle to the nearest repair facility, regardless of distance (assuming your vehicle is on a public road).

In comparison, most other providers have towing limits of 5 to 15 miles. Beyond this limit, you’ll pay an extra fee per mile.

Here’s how State Farm’s towing limits compare to the towing limits offered by other major insurers:

• State Farm covers the cost of towing your vehicle to the nearest repair facility, regardless of distance.
• GEICO also covers the cost of towing your vehicle to the nearest repair facility, regardless of distance.
• AAA covers up to 5 miles of towing on its basic plan.
• Nationwide, Travelers, Progressive, and most other insurers cover 10 to 15 miles of towing at no extra charge.
• Some providers, like Allstate, cover up to 100 miles of towing at no additional charge, but you need to sign up for their premium roadside assistance plan ($75 per year or higher).

Overall, State Farm offers a more generous towing limit than many other roadside assistance providers and insurers.

Final Word

If you signed up for State Farm’s Emergency Roadside Service plan, then the company covers the cost of towing your vehicle to the nearest repair facility, regardless of whether the facility is 5 miles or 100 miles away.

Even if you don’t have State Farm’s Emergency Roadside Service, you can pay a discounted per-use fee to tow your vehicle to the nearest service center. You’ll pay out of pocket, but you’ll pay a cheaper rate than you would on the open market because State Farm negotiates with local providers.

Contact State Farm to check how much it may cost to add towing coverage and roadside assistance to your policy.