Best Auto Insurance for Towing and Roadside Assistance in 2026 (10 Standout Companies)
AAA, Allstate, and American Family offer the best auto insurance for towing and roadside assistance, starting at $5 a month. These companies offer towing and jump-starts, with AAA providing member perks. While Allstate is known for reliable claims and American Family offers loyalty discounts and bundling savings.
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Travis Thompson
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
Licensed Insurance Agent
UPDATED: Jun 27, 2025
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
UPDATED: Jun 27, 2025
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
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11,640 reviewsCompany Facts
Full Coverage w/ Roadside
A.M. Best Rating
Complaint Level
Pros & Cons
11,640 reviews
2,235 reviewsCompany Facts
Full Coverage w/ Roadside
A.M. Best
Complaint Level
Pros & Cons
2,235 reviewsFind the best auto insurance for towing and roadside assistance with AAA, Geico, and Erie, offering rates starting at $5 per month.
Our Top 10 Picks: Best Auto Insurance for Towing and Roadside Assistance| Company | Rank | Towing Limit | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 200 miles | A+ | Member Benefits | AAA |
 | #2 | 100 miles | A+ | Claims Satisfaction | Allstate |
 | #3 | 100 miles | A | Loyalty Discounts | American Family |
 | #4 | 50 miles | A+ | Reliable Coverage | Amica |
 | #5 | 20 miles | A++ | Digital Tools & Mobile App | Geico |
 | #6 | 20 miles | A+ | Personalized Policies | Erie |
 | #7 | 20 miles | A | Signal App | Farmers |
 | #8 | 15 miles | A | Business Vehicles | Liberty Mutual |
 | #9 | 15 miles | A+ | Budgeting Tools | Progressive |
 | #10 | 10 miles | A++ | Local Agents | State Farm |
AAA stands out with robust member benefits, including free towing up to 200 miles, battery jump-starts, flat tire changes, fuel delivery, and travel discounts. Allstate ranks high for claims satisfaction and offers 24/7 roadside assistance with a 100-mile towing limit.
American Family provides 100-mile towing and rewards long-term customers with loyalty discounts, including savings for bundling policies (Read More: Full Coverage Auto Insurance).
- Get the best auto insurance for towing and roadside assistance at $73 a month
- AAA is the top pick with generous towing miles and exclusive member perks
- Geico offers low rates, while Erie provides customizable coverage plans
Find a roadside assistance plan that fits your budget and driving needs. Enter your ZIP code to compare quotes and find the best low-cost coverage near you.
What Towing and Roadside Assistance Includes
Towing and roadside assistance are optional add-ons to your auto insurance policy that provide emergency support when your vehicle breaks down. This coverage typically includes services like towing to a nearby repair shop, battery jump-starts, lockout assistance, flat tire changes, and fuel delivery.
Read More: Does my auto insurance cover flat tires?
Roadside Assistance Add-On Cost for Auto Insurance
Towing and roadside assistance coverage is another add-on to your auto insurance policy. It’s designed to help drivers get back on the road quickly and affordably, whether it’s a dead battery in a parking lot or a tow from the side of the highway.
Cost of Roadside Assistance Coverage by Provider| Insurance Company | Monthly Rates |
|---|---|
| $15 |
| $10 |
| $8 |
| $6 |
| $5 |
| $7 |
| $14 |
| $12 |
| $11 |
| $7 |
Some services they render are emergency towing, fuel delivery, jump-starting dead batteries, and, even better, reimbursement for rental cars if yours had extensive repairs.
With towing and roadside assistance coverage, you can call your insurance provider, and they will send a professional to your location to change your tire or tow your vehicle to the nearest service station.
Additionally, this coverage can be a lifesaver when your auto battery dies. Imagine being stuck in a remote area with no one around to help. With towing and roadside assistance coverage, you can call for help, and a technician will arrive with the necessary equipment to jump-start your auto and get you back on the road.
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When to Consider Adding Roadside Assistance
Towing and roadside assistance coverage is more beneficial for some people than others. If any of the following apply to you, you might want to consider adding this coverage to your car insurance:
You Have a Long Work Commute
If you drive a long distance to work each day, you’re on the road more often, and that increases your chances of encountering a flat tire, dead battery, or other breakdowns.
Brad Larson Licensed Insurance Agent
With towing and roadside assistance, you can quickly get help without scrambling to find a nearby mechanic or service provider during a time-sensitive commute. Gain more insight in our guide on how to determine if I’ve chosen the right coverages.
You’re Inexperienced With Breakdowns
Lacking experience in vehicle maintenance or repairs, such as changing a tire. Not everyone knows how to safely or effectively handle basic vehicle problems like jump-starting a battery or replacing a flat tire.
If you’re not comfortable performing minor repairs yourself, roadside assistance gives you 24/7 access to trained professionals who can help. Get full details on our relevent guide about getting a car accident vehicle damage estimate.
You Take Frequent Road Trips
Drivers who enjoy long-distance travel or take frequent road trips often venture through unfamiliar areas, rural highways, or remote routes. If your car breaks down far from home, roadside assistance ensures you’re not stranded or paying out-of-pocket for a costly tow back to civilization. Learn more in our guide about rental car insurance & collision damage waiver (CDW).
Car Repairs Would Break Your Budget
Calling for a tow truck or emergency help can be expensive, often $100 or more per incident. Roadside assistance coverage is an affordable way to get help when you need it, without unexpected out-of-pocket costs.
For those with older vehicles, longer commutes, or limited repair knowledge, adding towing and roadside assistance coverage, such as AAA roadside assistance, to your auto insurance policy can offer convenience, financial protection, and peace of mind during an emergency.
Read more: Car Insurance for Leased or Financed Car
You Own an Older Vehicle
Older cars are more prone to mechanical issues, especially if they haven’t been updated with new parts or systems.
Roadside assistance can be a valuable backup plan in case of unexpected breakdowns, providing peace of mind when reliability is questionable. Check out our guide about car insurance coverage and liability for borrowed cars.
How to Request Roadside Assistance
Unlike filing a standard insurance claim, using your roadside assistance benefit is typically a quick, service-based process. Most insurers offer dedicated hotlines, mobile apps, or digital portals to request help. Here’s how to efficiently contact roadside assistance when you need support on the road.
- Start Your Request: Use your insurer’s mobile app, roadside hotline, or website to begin the request. Most major providers offer 24/7 roadside assistance services.
- Share Key Details: Be ready to share your policy number, exact location, and a clear description of the issue, such as a flat tire, dead battery, or lockout.
- Follow Instructions: The representative may ask you to wait somewhere safe and give you an ETA. Some insurers also allow you to track the technician in real time through their app.
- Wait for Technician: When help arrives, the technician will fix the issue or tow your vehicle, depending on your coverage limit (e.g., 20 or 100 miles).
- Save Your Receipts: If you pay upfront, save your receipts in case your policy includes reimbursement, especially with customizable plans like Erie’s. Most services are otherwise billed directly to your insurer.
Roadside emergencies can happen when you least expect them, so it’s worth taking a few minutes to save your insurer’s roadside assistance number or app on your phone.
Whether you’re commuting to work or heading out on a road trip, having quick access to roadside support can save you time, money, and unnecessary stress. Get more insight through our guide on how to file a car accident claim.
10 Best Auto Insurance Companies for Towing and Roadside Assistance
AAA, Allstate, and American Family stand out for their reliable towing and roadside help. Take a look at our list of pros and cons to see how these top insurers support drivers when they need quick assistance on the road:
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#1 – AAA: Top Overall Pick
Pros
- Comprehensive Coverage: Includes towing up to 200 miles, lockout service, fuel delivery, tire changes, and battery jump-starts.
- Affordable Monthly Rates: Roadside assistance coverage starts at $15 per month, making it accessible for most drivers., read up our AAA auto insurance review for more insights.
- Membership Benefits: Members receive hotel discounts, travel planning tools, and higher towing mileage based on membership tier.
Cons
- High Full Coverage Costs: AAA’s premiums for full auto coverage can still be on the higher side compared to other insurers.
- Limited Policy Flexibility: Customization options for towing services are less than competitors.
#2 – Allstate: Best for Claims Satisfaction
Pros
- Reliable Coverage: Allstate includes towing up to 100 miles, trip interruption reimbursement, lockout services, and battery jump-starts.
- Low Monthly Rates: Allstate’s roadside assistance add-on costs just $10 per month, offering solid value..
- Add-On Options: Drivers can upgrade coverage to include longer towing mileage and travel interruption reimbursement.
Cons
- High Premiums: Allstate’s full coverage towing options tend to cost more than average. Find out more in our guide, “Does Allstate offer roadside assistance?“
- Claims Processing Delays: Some users report slow claims handling for roadside assistance.
#3 – American Family: Best for Loyalty Discounts
Pros
- Roadside Essentials: Offers 100-mile towing, battery jump-starts, fuel delivery, and other emergency services. Read more in our guide, “What types of car insurance coverage does American Family Insurance offer?“
- Lowest Monthly Rates: Entry-level policies start at $8 per month, ideal for everyday drivers in need of towing services.
- Bundling Discounts: Long-term customers can unlock loyalty discounts, especially when bundling with home, renters, or life insurance.
Cons
- Limited Nationwide Availability: Towing services aren’t accessible in all states.
- Higher Deductibles: American Family’s deductibles may deter some budget-conscious drivers.
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#4 – Amica: Best for Reliable Coverage
Pros
- Solid Roadside Protection: Amica covers towing up to 50 miles, flat tire changes, battery jump-starts, fuel delivery, and lockout services.
- Low Monthly Rates: Roadside assistance is affordably priced at just $6 per month, offering excellent value for dependable service.
- Top-Notch Claims: Ranked highly for fast, transparent roadside assistance claims handling.
Cons
- Limited Discounts: Few opportunities to save on towing-related policies.
- High Full Coverage Costs: Premiums for more extensive roadside plans can still be above average. Check out our guide, “Does Amica Mutual Insurance offer roadside assistance?“
#5 – Geico: Best for Digital Tools & Mobile App
Pros
- Basic Roadside Coverage: Includes towing up to 20 miles, battery jump-starts, lockout service up to $100, and emergency fuel delivery.
- Low Monthly Rates: Affordable policies start at $14 per month, making it a top choice for towing and roadside services.
- Strong Digital Tools: Geico’s mobile app allows users to request roadside assistance in minutes and track service in real time.
Cons
- Limited Perks: No hotel discounts or travel-related extras tied to roadside assistance coverage. Browse more in our guide, “Does Geico offer roadside assistance?“
- Claims Delays: Processing time for roadside incidents may vary.
#6 – Erie: Best for Personalized Policies
Pros
- Full Service Options: Erie offers roadside assistance that includes towing up to 20 miles, plus battery service, fuel delivery, flat tire changes, and lockouts.
- Affordable Monthly Rates: Roadside coverage starts at just $5 per month, making it ideal for drivers seeking affordable flexibility.
- Excellent Value: Erie offers add-on protection, including towing reimbursement and rental car coverage, during repairs.
Cons
- Limited Availability: Erie policies are currently available in select states. See more in our guide, “Does Erie Insurance offer roadside assistance?“
- Sparse Digital Tools: Towing requests may take longer without an intuitive mobile app.
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#7 – Farmers: Best for Signal App
Pros
- Reliable Coverage: Farmers includes towing up to 20 miles, lockout help, battery service, tire changes, and winching.
- Low Cost: Farmers’ roadside plans start at $7 per month, striking a balance between service and price..
- Flexible Add-Ons: Easily customize towing mileage, reimbursement limits, and additional services.
Cons
- Pricey Full Coverage: Monthly costs for full coverage can exceed those of competitors.
- Limited Discounts: Fewer savings opportunities for towing services compared to competitors (Read more: Does Farmers Insurance offer roadside assistance?).
#8 – Liberty Mutual: Best for Business Vehicles
Pros
- Comprehensive Services: Liberty Mutual includes towing up to 15 miles, lockouts, jump-starts, and emergency fuel delivery.
- Moderate Cost: Liberty Mutual roadside coverage is priced at $12 per month, with generous towing limits for certain commercial use cases.
- Generous Limits: Liberty Mutual offers towing distance allowances that often exceed 15–20 miles, making it suitable for long-distance drivers.
Cons
- High Full Coverage Costs: Towing premiums increase for more robust roadside packages and policies.
- Limited Customization: Towing plans may lack flexibility for add-ons. View more in our guide, “Does Liberty Mutual offer roadside assistance?“
#9 – Progressive: Best for Budgeting Tools
Pros
- Essential Services: Progressive covers towing up to 15 miles, lockouts, winching, fuel delivery, and battery help.
- Affordable Rates: Progressive’s roadside plans begin at $11 per month, with flexible add-on pricing.
- Name Your Price Tool: The Name Your Price Tool lets customers adjust towing coverage and roadside services to fit their budgets.
Cons
- Variable Coverage Costs: Monthly rates fluctuate based on driving risk factors.
- Customer Service: Some users report slower claims processing for towing services. Learn more in our guide, “Does Progressive offer roadside assistance?“
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#10 – State Farm: Best for Local Agents
Pros
- Reliable Coverage: State Farm provides towing to the nearest repair facility (up to 10 miles), tire changes, battery jump-starts, and lockout help.
- Low Entry Cost: State Farm ensures affordability of roadside assistance starts at just $7 per month, keeping basic coverage accessible.
- Bundling Policies: Towing services offer bundling discounts, which are considered customer benefits.
Cons
- Limited Multi-Policy Discount: Discounts for bundling are less than competitors. Discover more in our guide, “Does State Farm car insurance cover towing and roadside assistance?“
- Premium Costs: Despite discounts, premiums for full coverage may be higher than alternatives.
Exploring the Best Options for Towing and Roadside Assistance
When it comes to towing and roadside assistance, three companies stand out for their affordability, reliability, and unique benefits: AAA, Allstate, and American Family. These case studies break down what makes each one a strong option, helping drivers choose coverage that fits their needs and driving habits.
- Case Study #1: AAA offering coverage that includes up to 200 miles of towing—the highest limit among competitors. With an A+ A.M. Best rating and a wide range of member-exclusive perks, including travel discounts and identity theft protection, AAA is ideal for frequent travelers and those seeking more than just insurance.
- Case Study #2: Allstate offers 100-mile towing coverage for just $10 per month, backed by an A+ A.M. Best rating. With 24/7 roadside help and fast, reliable claims processing, it’s ideal for drivers who want support when it matters most.
- Case Study #3: American Family offers low-cost, flexible auto insurance with towing and roadside assistance. They provide dependable roadside services and valuable loyalty perks, making them the best choice for drivers everywhere.
Choosing the right auto insurance for towing and roadside assistance depends on your needs. Amica offers great service and flexibility, Geico stands out for affordability, and Erie provides customizable options. Check out our guide on comparing online car insurance quotes to save money.
Eric Stauffer Licensed Insurance Agent
Any of these are great choices to stay protected on the road. You can find affordable auto insurance, no matter your driving record, by entering your ZIP code in our free quote comparison tool.
Frequently Asked Questions
Does Geico offer good coverage for towing and roadside assistance?
Yes, Geico auto insurance provides flexible options for roadside assistance at competitive rates, with affordable plans for unexpected needs.
What is the best auto insurance for towing and roadside assistance?
AAA is the top choice for the best auto insurance for towing and roadside assistance with affordable rates and reliable coverage.
How much does towing and roadside assistance coverage cost?
Rates for coverage start at $73 per month, depending on the policy and provider. Enter your ZIP code into our free quote tool to find the best auto insurance providers for your needs and budget.
Why is Amica considered the best provider of roadside assistance?
Amica offers comprehensive coverage options, excellent customer service, and affordable rates, making it the top choice for towing and roadside assistance. View our guide, “Does Amica Mutual Insurance offer non-owner car insurance coverage?”
What is Good Sam roadside assistance?
Good Sam Roadside Assistance is mainly for RV owners but covers cars, trucks, and motorcycles. It provides 24/7 roadside help, towing up to 200 miles, tire changes, fuel delivery, and discounts on RV services and camping. It’s a great choice for RV owners looking for extra coverage.
What should I consider when choosing towing and roadside assistance coverage?
Look for affordability, customer reviews, available coverage options, and response times for assistance.
Can I add towing and roadside assistance coverage to my existing auto insurance policy?
Yes, many providers like Amica and Geico allow you to add towing and roadside assistance to existing policies. Find out more in our guide, “What You Should Know About Auto Insurance”
What does roadside assistance coverage include?
It typically covers services like tow truck assistance, fuel delivery, battery jump-starts, and lockout services.
Are there any age restrictions for roadside assistance coverage?
Coverage is available for drivers of all ages, but rates may vary depending on age and driving history. To explore more, review our in-depth guide named “Does Farmers Insurance offer roadside assistance?“.
How can I get a quote for the best auto insurance for towing and roadside assistance?
Visit the insurance provider’s website or contact their customer service to receive a personalized quote starting at $73 per month. Use our free quote comparison tool to find affordable commercial insurance options that meet your needs.
Enter your ZIP code below to compare cheap insurance rates.
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Travis Thompson
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
