Is State Farm’s Roadside Assistance Coverage Worth It?

Last Updated on February 12, 2024

State Farm is one of America’s largest insurance providers, offering several types of coverage throughout the US. In addition to their traditional auto insurance coverage, they also offer emergency road service coverage. If you already have auto insurance through State Farm, you may wonder if roadside assistance coverage is a worthwhile add-on to your policy. Here’s what you need to know about State Farm’s emergency roadside assistance and whether or not it’s worth it.

Table of Contents:

What’s Included in State Farm’s Roadside Assistance Coverage?

state farm roadside assistanceRoadside assistance coverage is intended to help you if your car breaks down while driving or becomes temporarily unusable. State Farm will pay for towing to the nearest repair center if your vehicle isn’t driveable. If your car gets stuck but is still driveable, they will pay for towing to get you back onto the nearest road. There is no mile limit for how far State Farm will tow.

State Farm will also pay for one hour of labor by a mechanic at the breakdown site to get your car up and running again. If you need a tire change, oil change, a tank of gas, or battery jumpstart, they will also cover the cost of these items and their delivery.

If your key is lost, damaged, stolen, or stuck inside your car, State Farm will also pay for one hour of locksmith labor to fix it.

State Farm has a relatively extensive roadside coverage package and should be enough to get you back on the road again in most cases.

Is There Anything State Farm Doesn’t Cover with Their Roadside Assistance Add-On?

State Farm’s roadside assistance policy is fairly comprehensive. However, there are some things they don’t cover that you should be aware of.

They will only pay for the cost of towing to the nearest repair center, so if you want to go any farther, you will need to pay for it on your own.

If your battery needs a jumpstart, State Farm’s roadside services will cover it, but they won’t replace your battery if the jumpstart fails.

State Farm also will not charge your electric vehicle if it breaks down.

Finally, while other insurance providers might reimburse emergency travel, State Farm does not.

What Are the Benefits of State Farm’s Roadside Assistance Coverage?

State Farm’s roadside assistance program stands out from many of the options other insurance providers offer. It’s one of the most affordable options available – in most cases, it will only cost an extra $3 to $4 per month to add roadside assistance to your existing policy ($36-$48 annually). You also aren’t required to have comprehensive insurance to add on roadside assistance the way you would be at some other insurance companies. As long as you have basic auto insurance coverage with State Farm, this add-on option will be available.

Another reason why people love State Farm’s roadside assistance program is that the services they offer are reliable and comprehensive. Some other insurance companies put a mileage limit on the amount of towing they will pay for. However, State Farm will pay for your towing to the nearest repair center, regardless of how far away it is. This is particularly helpful if you drive in rural areas, where it could be a significant distance to the nearest repair center.

Is State Farm’s Roadside Assistance Coverage Worth Buying?

If you already use State Farm for your auto insurance, it’s effortless and affordable to add this additional coverage to your policy, and it’s something you should consider. You never know when your car might break down or encounter issues, and good roadside assistance coverage will ensure you won’t be stuck on the side of the road.

Roadside emergencies are not only frustrating but can also be dangerous, so they aren’t something to take lightly. State Farm’s roadside assistance is reliable and professional; you’ll know you can trust them in an emergency. Paying for towing or other roadside services out of pocket is also very expensive, so having roadside coverage can save you significant money in an already stressful situation.

If you aren’t already using State Farm for your car insurance, you would need to purchase an auto insurance policy with them to qualify for their roadside assistance. In this case, you’ll need to compare their auto insurance policies with other companies to see if it’s worth switching. This will depend on the extent of coverage you need for your car and the prices that State Farm can offer. You may also want to consider purchasing AAA or a service like instead of getting roadside assistance coverage through your insurance provider.

The best way to determine if State Farm is the right insurance provider for you is to talk to an agent and get a quote from them. The insurance agent will be able to answer your questions, and a quote will give you an idea of what kind of value they can offer in comparison with your existing insurance provider or any other providers you are interested in.

State Farm vs. Other Roadside Assistance Programs

View the table below to see how State Farm’s roadside services compare to those of other providers:

CompanyState FarmGEICOUSAAAAAProgressiveLiberty Mutual
Annual Cost$36-48$14+$12-15$38-74$16-$23$12+
TowingTo nearest repair facility100 miles includedTo nearest repair facility7 miles included15 miles included100 miles included
Roadside Mechanical Repairs1 hr included1 hr included1 hr includedYES1 hr included1 hr included
Locksmith Services1 hr included$100YES$50-$1001 hr included$50
Winching and ExtractionFree if possible from road1 hr includedFree if possible from roadFree if possible from road100 feetFree if possible from road
Fuel DeliveryYES - you pay for gasYES - you pay for gasYES - you pay for gasYES - you pay for gasYES - you pay for gasYES - you pay for gas
Battery ReplacementN/AN/AN/AYESN/AN/A
Electric Vehicle ChargingN/AN/AYESYESTow to charging stationYES
Emergency Travel ReimbursementN/AN/AN/A$250N/AN/A

Final Word on State Farm Emergency Roadside Assistance

You shouldn’t skimp on roadside assistance protection – you never know when you will find yourself in a difficult situation. State Farm encourages all of its customers to call them in the event of a roadside emergency, even if they haven’t purchased the roadside assistance add-on. They are willing to refer all their customers to trusted towing and repair companies offering reasonable prices.

State Farm’s roadside assistance coverage is one of the most reliable and affordable auto insurance policies available. It’s a great addition to your existing policy.

James Shaffer
James Shaffer James Shaffer is a writer for and a well-seasoned auto insurance industry veteran. He has a deep knowledge of insurance rules and regulations and is passionate about helping drivers save money on auto insurance. He is responsible for researching and writing about anything auto insurance-related. He holds a bachelor's degree from Bentley University and his work has been quoted by NBC News, CNN, and The Washington Post.
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