How Much Does State Farm Charge for Towing?
Last Updated on January 14, 2026
State Farm offers towing as part of its optional roadside assistance add-on, called Emergency Road Service (often shown as Coverage H on policy documents). If your vehicle is disabled, State Farm may help pay for a tow to the nearest repair facility—so you may not have to pay the towing provider up front once coverage is verified.
Below is what “complimentary towing” really means with State Farm, what’s covered (and what isn’t), plus how to request help fast.
Key Takeaways
- Towing Is Usually “To the Nearest Repair Facility”: State Farm roadside towing is generally limited to what it would cost to tow your vehicle to the nearest repair facility.
- Coverage H Matters: Emergency Road Service is an add-on (often labeled Coverage H) that can allow the provider to bill State Farm directly for basic covered services.
- Parts Aren’t Included: Delivery of fuel, a battery, or a tire may be covered, but you typically pay for the items themselves.
- You Can Still Get Help Without Coverage: Even without Emergency Road Service, you can request assistance and pay out of pocket—often at a pre-negotiated rate through State Farm’s network.
- State Farm Emergency Road Service Includes Towing
- What Does State Farm Roadside Assistance Cover?
- How Far Will State Farm Tow Your Car?
- How Much Does Towing Cost With State Farm?
- How State Farm Towing Coverage Works
- What If You Don’t Have State Farm Roadside Assistance?
- Final Word on State Farm Towing Coverage
- FAQs on State Farm Towing Coverage
State Farm Emergency Road Service Includes Towing
State Farm’s Emergency Road Service is an add-on you can typically add to an auto policy. Pricing varies by state and vehicle, but State Farm describes it as a low-cost coverage for many customers.
| Benefit | What It Covers | Common Limits/Notes |
|---|---|---|
| Mechanical Labor | Minor help at the breakdown site | Typically up to one hour of labor |
| Towing | Tow if your vehicle can’t be driven | Typically to the nearest repair facility |
| Winching/Towing If Stuck | Help if stuck on or immediately next to a public road | Situation and location matter |
| Fuel/Fluids/Tire/Battery Delivery | Delivery of items needed to get you moving | Delivery is covered; you usually pay for the items (gas, battery, tire, etc.) |
| Lockout Services | Locksmith labor if keys are lost, stolen, or locked inside | Typically up to one hour of locksmith labor |
Quick tip: If you’re not sure you have Emergency Road Service, check the back of your insurance ID card (often labeled “Coverage H”), log into your State Farm account, or ask your agent.
What Does State Farm Roadside Assistance Cover?
As long as Emergency Road Service is active at the time of the breakdown, it typically covers common roadside needs like towing, jumpstarts, lockouts, and tire changes.
- Mechanical labor at the site of the breakdown (typically up to one hour)
- Towing to the nearest repair location if the vehicle is not drivable
- Towing/winch-out if the vehicle is stuck on or immediately next to a public road
- Delivery of fuel, oil, battery, or a tire change needed to make the vehicle drivable (delivery is covered, not the cost of the items)
- Locksmith labor to unlock a covered vehicle if keys are lost, stolen, or locked inside (typically up to one hour)
How Far Will State Farm Tow Your Car?
State Farm generally describes its towing benefit as covering a tow to the nearest repair facility. Instead of listing a universal “miles” cap, the key limitation is that State Farm may not cover towing costs beyond what it would take to get you to the nearest repair facility.
If you prefer a different shop (for example, your regular mechanic across town), you may be responsible for any extra cost beyond the “nearest repair facility” amount.
For a deeper breakdown, see how far State Farm will tow my car.
How Much Does Towing Cost With State Farm?
If you have Emergency Road Service (Coverage H) and your tow is eligible, you typically won’t pay the towing company directly for basic covered services once your coverage is verified. You can still have out-of-pocket costs for replacement items like a battery, fuel, or a tire.
If you do not have Emergency Road Service, State Farm indicates you can still request help, but you’ll pay out of pocket—often at a discounted, pre-negotiated rate through its roadside network. Exact pricing depends on location, time of day, and the service needed.
How State Farm Towing Coverage Works
State Farm’s process is similar to most insurer roadside programs:
- Request help by phone or online (available 24/7).
- A service provider is dispatched to your location to assess the issue.
- If the vehicle can’t be safely driven, the provider tows it—typically to the nearest repair facility.
- Coverage is verified, and the provider typically bills State Farm directly for covered basic services. You may still pay for items like fuel, tires, or a battery.
Requesting help: Call 877-627-5757 or request service online through State Farm’s roadside portal.
Online request: Get Roadside Assistance (State Farm)
Quick tip: If you’re in an unsafe location (busy highway shoulder, low visibility, or someone is injured), prioritize safety first and call 911. Then request towing once everyone is safe.
What If You Don’t Have State Farm Roadside Assistance?
If you haven’t added Emergency Road Service to your policy, you can still call the roadside line and request help. In that case, you’ll typically pay the provider’s charges, though State Farm indicates it can route you to service at a competitive, pre-negotiated rate.
If you already have a separate roadside option—like a credit card roadside assistance benefit or a membership program like AAA—compare the towing limits, out-of-pocket costs, and response times before paying for overlapping coverage.
Final Word on State Farm Towing Coverage
State Farm’s Emergency Road Service can be a cost-effective way to get towing and other roadside services, especially if you prefer having roadside help tied to your auto policy. The big thing to remember: towing is generally covered up to the nearest repair facility, and you may pay extra if you choose a different destination.
To learn more about adding Coverage H or to confirm what your policy includes, contact State Farm today.
Note: Coverage details, limits, and availability can vary by state and policy form. Always rely on your declarations page and policy language for the final word.
