How Much Does State Farm Charge for Towing?

Last Updated on February 12, 2024

State Farm provides complimentary towing to drivers with roadside assistance coverage.

If you pay $30 per year for State Farm’s roadside assistance coverage, then you can request free towing to the nearest service center. Assuming you had active coverage at the time of the incident, you’ll pay nothing extra to tow your vehicle.

Keep reading to find out everything you need to know about State Farm towing and how much it costs.

Key Takeaways:

• State Farm provides complimentary towing to drivers with roadside assistance coverage, which costs around $30 per year.
• State Farm covers the cost of towing your vehicle to the nearest repair facility, regardless of the distance or location.
• State Farm also offers other roadside services, such as battery jumpstarts, winching, fuel delivery, and locksmith labor, as part of its roadside assistance plan.
• State Farm allows drivers without roadside assistance coverage to request towing and pay a discounted rate negotiated by the company

State Farm Includes Complimentary Towing in Its Emergency Road Service Coverage Plan

State Farm offers a roadside assistance plan called Emergency Road Service.

Priced at around $30 per year, State Farm’s Emergency Road Service covers similar incidents to other roadside assistance plans from AAA and other insurers. You’ll get complimentary towing, battery jumpstarts, winching, and flat tire changes, for example, among other roadside services.

To contact State Farm’s roadside assistance hotline, call 877-627-5757. Service is available 24 hours a day, 365 days a year. Or, you can request service via your mobile device or computer using the online form.

What Does State Farm’s Roadside Assistance Cover?

State Farm’s roadside assistance covers a similar range of items to other roadside assistance plans available today.

As long as you have an active roadside assistance plan at the time the incident occurs, you’ll receive complimentary coverage for:

• Mechanical labor at the site of the breakdown (for up to one hour)
• Towing to the nearest repair location (if the vehicle cannot be driven)
• Towing or winching (if the car is stuck on or immediately next to a public road)
• Delivery of fuel, oil, battery, or change of tire (not including the cost of these items) required to make a vehicle drivable
• Locksmith labor to unlock a covered car if a key is lost, stolen, or locked inside (up to one hour)

Unlike many other roadside assistance plans, State Farm does not limit its towing mileage; State Farm covers the cost of towing your vehicle to the nearest repair center.  Whether that repair center is five miles away or 500 miles away, State Farm covers it.

However, if you take your vehicle to a different repair facility, you could pay an extra rate per mile. State Farm only covers the cost of towing to the nearest repair facility.

How Much Does Towing Cost with State Farm?

State Farm charges around $30 per year for roadside assistance, or around $2 to $3 monthly.

It’s one of the best deals in the insurance space because it pays for itself after a single incident.

As long as you have an active roadside assistance plan at the time of the incident, and as long as you’re towing your vehicle to the nearest repair facility, you’ll pay nothing extra for towing with State Farm.

State Farm does not charge a deductible for towing, nor does the company charge a per-mile rate for towing. As long as you’re taking your vehicle to the nearest repair facility and have an active roadside assistance policy, you’ll pay nothing for towing with State Farm: towing is complimentary and part of your roadside assistance coverage.

How State Farm’s Towing Coverage Works

State Farm’s towing coverage works similar to the towing coverage provided by other roadside assistance companies:

Step 1) You request roadside assistance by phone or through the online form. Service is available 24/7. State Farm will dispatch a tow truck to your location.

Step 2) The tow truck driver arrives, then tows your vehicle to the nearest service center. State Farm does not have a mileage limit for towing; instead, the company covers the cost of towing your vehicle to the nearest service center, regardless of how close or far that service center may be.

Step 3) The tow truck driver verifies your roadside assistance policy is active, then bills State Farm for the service call. State Farm takes care of everything behind the scenes. You do not pay a deductible, nor do you pay higher rates in the future.

What Happens If I Don’t Have State Farm’s Roadside Assistance?

If you have not added State Farm’s Emergency Road Service coverage to your policy, then that’s okay: you can still contact State Farm, request towing, and pay a discounted rate.

Here’s how State Farm explains it:

“If you do not have Coverage H (Emergency Road Service), you will pay for the services at a competitive rate negotiated by State Farm. This rate will usually be less than what is available in the market.”

A tow truck driver may charge $500 for an ordinary tow, for example. However, by contacting State Farm’s roadside assistance hotline, you could pay a flat rate of $150 because of the company’s active partnerships with towing companies nationwide.

If you don’t have complimentary towing through other methods (like a credit card, mobile carrier, or roadside assistance company like AAA), then contact State Farm to pay a discounted rate for towing.

Final Word on State Farm

State Farm offers roadside assistance via its Emergency Road Service coverage. After adding Emergency Road Service to your policy, you receive complimentary towing at no extra charge.

Specifically, State Farm covers the cost of towing your vehicle to the nearest repair facility at no extra charge. Plus, State Farm doesn’t have a mileage limit. Whether the nearest repair facility is five miles or 50 miles away, your tow is covered by State Farm.

To learn more about State Farm’s roadside assistance plan or to add coverage to your policy, contact State Farm today.