Best Auto Insurance for Towing and Roadside Assistance in 2025 (10 Standout Companies)
AAA, Geico, and Erie offer the best auto insurance for towing and roadside assistance, starting at $73 a month. These companies offer helpful services such as towing, tire changes, and fuel delivery, giving you peace of mind on the road with full roadside assistance.
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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: Apr 2, 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: Apr 2, 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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19,116 reviewsCompany Facts
Full Coverage for Towing and Roadside Assistance
A.M. Best
Complaint Level
Pros & Cons
19,116 reviews
1,883 reviewsCompany Facts
Full Coverage for Towing and Roadside Assistance
A.M. Best
Complaint Level
Pros & Cons
1,883 reviewsFind the best auto insurance for towing and roadside assistance with AAA, Geico, and Erie, offering rates starting at $73 per month.
AAA stands out with robust member benefits, including free towing, battery jump-starts, flat tire changes, fuel delivery, and travel discounts.
Our Top 10 Picks: Best Auto Insurance for Towing and Roadside Assistance| Insurance Company | Rank | A.M. Best | Bundling Discount | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | A+ | 30% | Member Benefits | AAA |
 | #2 | A++ | 25% | Competitive Rates | Geico |
 | #3 | A+ | 25% | Customizable Plans | Erie |
 | #4 | A | 25% | Customer Focused | American Family |
 | #5 | A+ | 10% | Affordable Premiums | Progressive |
 | #6 | B | 17% | Trusted Brand | State Farm |
 | #7 | A | 25% | Customizable Policies | Liberty Mutual |
 | #8 | A | 20% | Flexible Options | Farmers |
 | #9 | A+ | 30% | Reliable Coverage | Amica |
 | #10 | A+ | 25% | Broad Coverage | Allstate |
Geico offers some of the most competitive rates and includes 24/7 roadside assistance for services. Erie is ideal for drivers who want flexibility, offering customizable roadside plans with options like towing reimbursement, locksmith coverage, and rental car reimbursement tailored to your needs.
Read More: Full Coverage Auto Insurance
Choose the one that fits your driving habits and budget. Start saving on your auto insurance by entering your ZIP code and comparing quotes.
- 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
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#1 – AAA: Top Overall Pick
Pros
- Comprehensive Coverage: Includes towing up to 100 miles, lockout service, fuel delivery, tire changes, and battery jump-starts.
- Low Monthly Rates: Starting at $85 per month for minimum coverage, 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: Premiums for full coverage towing services can reach $170/month, higher than many competitors.
- Limited Policy Flexibility: Customization options for towing services are less than competitors.
#2 – Geico: Best for Competitive Rates
Pros
- Comprehensive Coverage: Includes towing to the nearest repair shop, lockout service up to $100, and battery jump-starts.
- Low Monthly Rates: Affordable policies start at $73/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.
#3 – Erie: Best for Customizable Plans
Pros
- Comprehensive Coverage: Erie offers towing, fuel delivery, lockouts, flat tire changes, and battery service.
- Low Monthly Rates:Minimum coverage starts at $75/month, with options to tailor roadside coverage.
- Excellent Value: Erie brings add-on protection like towing reimbursement and rental car coverage during repairs.
Cons
- Limited Availability: Erie policies are restricted to 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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#4 – American Family: Best for Customer Focused
Pros
- Comprehensive Coverage: American Family delivers roadside coverage includes towing, battery service, and emergency fuel delivery.
- Low Monthly Rates: ntry-level policies start at $79/month, ideal for everyday drivers in need of towing services.
- Bundling Discounts: Customers save more by bundling towing services with renters or homeowners insurance. Read more in our guide, “What types of car insurance coverage does American Family Insurance offer?“
Cons
- Limited Nationwide Availability: Towing services aren’t accessible in all states.
- Higher Deductibles: American Family’s deductibles may deter some budget-conscious drivers.
#5 – Progressive: Best for Affordable Premiums
Pros
- Comprehensive Coverage: Progressive covers towing, winching, fuel delivery, and lockout services.
- Low Monthly Rates: Starting at $77 per month for minimum coverage, with flexibility in add-on pricing for towing services.
- 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?“
#6 – State Farm: Best for Trusted Brand
Pros
- Comprehensive Coverage: State Farm provides towing to nearest repair facility, tire change, jump-starts, and lockout service.
- Low Monthly Rates: State Farm ensures affordability of towing services with a minimum coverage starting at $78 per month.
- Bundling Policies: There are bundling discounts for towing services, 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.
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#7 – Liberty Mutual: Best for Customizable Policies
Pros
- Comprehensive Coverage: Liberty Mutual includes towing, locksmith services, and battery jump-starts.
- Low Monthly Rates: Liberty Mutual minimum coverage is offered at a competitive rate of $88 per month for towing services.
- Generous Limits: Liberty Mutual offers towing distance allowances often exceed 15–20 miles, making it suitable for long-distance drivers.
Cons
- High Full Coverage Costs: Towing premiums increase to $175 per month for full coverage policies.
- Limited Customization: Towing plans may lack flexibility for add-ons. View more in our guide, “Does Liberty Mutual offer roadside assistance?“
#8 – Farmers: Best for Flexible Options
Pros
- Comprehensive Coverage: Farmers specializes in offering diverse towing, lockouts, tire changes, and winching.
- Low Monthly Rates: Farmers give balance affordability of towing services with the minimum coverage starting at $80 per month.
- Flexible Add-Ons: Easily customize towing mileage, reimbursement limits, and additional services.
Cons
- Pricey Full Coverage: Full coverage costs increase to $165 per month for roadside services.
- Limited Discounts: Fewer savings opportunities of towing services compared to competitors (Read more: Does Farmers Insurance offer roadside assistance?).
#9 – Amica: Best for Reliable Coverage
Pros
- Comprehensive Coverage: Amica stands out for reliable towing, flat tire changes, emergency fuel, and battery services.
- Low Monthly Rates: Amica is a very great choice for roadside services with a minimum coverage starting at $82/month.
- 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: Rates rise to $160 per month for full coverage. Check out our guide, “Does Amica Mutual Insurance offer roadside assistance?“
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#10 – Allstate: Best for Broad Coverage
Pros
- Comprehensive Coverage: Allstate offers comprehensive coverage which includes towing, trip interruption coverage, battery services, and lockout help.
- Low Monthly Rates: Minimum coverage starts at $90 monthly, offering strong value for drivers in need of roadside services.
- Add-On Options: Drivers can upgrade coverage to include longer towing mileage and travel interruption reimbursement.
Cons
- High Premiums: Full coverage rates for towing are higher, starting at $180 monthly. Find out more in our guide, “Does Allstate offer roadside assistance?“
- Claims Processing Delays: Some users report slow claims handling for roadside assistance.
Understanding Auto Insurance for Towing and Roadside Assistance
Imagine driving on a quiet country road late at night when your auto suddenly breaks down. You find yourself stranded, unsure of what to do. This is where roadside assistance companies come to the rescue. Towing insurance companies offer roadside service companies to help in circumstances such as flat tires, dead batteries, lockouts, and even towing your vehicle to the nearest repair facility.
But what exactly is towing and roadside assistance coverage? Let’s delve deeper into this topic to understand its importance and how it can benefit you.
Read More: Does my auto insurance cover flat tires?
Towing and Roadside Assistance Coverage
Towing and roadside assistance coverage is another add-on to your auto insurance policy. It provides any support and assistance that will help your vehicle when it meets unknown issues on the road. Some services they render are emergency towing, fuel delivery, jump-starting dead batteries, and, even better, reimbursement for rent autos if your auto had extensive repairs.
Auto Insurance Monthly Rates With Roadside Assistance & Towing| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $85 | $170 |
| $90 | $180 |
| $79 | $162 |
| $82 | $160 |
| $75 | $155 |
| $80 | $165 |
| $73 | $150 |
| $88 | $175 |
| $77 | $158 |
| $78 | $160 |
Imagine you’re driving on a road trip miles from home, and suddenly, you hear a loud pop followed by the dreaded thump-thump-thump sound. You pull over and then realize you have a flat tire. 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.
Towing and Roadside Assistance Important
Towing and roadside assistance coverage serves several purposes. First of all, one is never stranded on the roadside without any means to get help to him or her. Whether this is many miles from home or somewhere you have not been, knowing that all it would take is to make a phone call before help comes is very relaxing.
Imagine driving through a desolate area without a cell phone signal, and unexpectedly, your auto engine starts making odd noises. Without roadside assistance, you would be left unprotected, hoping for someone to pass by and offer assistance. However, with this coverage, you can use your cell phone to compare roadside assistance options and call for help, and a professional will be on their way to assist you.
This coverage will save you time and money. What a hassle and expense to find a towing service or a locksmith when the breakdown or lockout happens. Car insurance with roadside assistance means you can have all the necessary services just a phone call away.
When you bundle, you don’t have to pick 😉 #NFLDraft pic.twitter.com/LL0aBcY0Dm
— GEICO (@GEICO) April 27, 2023
In addition, some insurance companies provide extra benefits, such as reimbursement for rental auto expenses if your vehicle needs extensive repairs. This means that not only will you have access to immediate assistance, but you can also continue with your daily activities while your auto is being repaired.
To sum it up, towing and roadside assistance are a great addition to your auto insurance package. It assures you that help is just at the end of a line in case of unexpected breaks or emergencies on the roads. Next time hitting the road, make sure you have this kind of coverage that ensures an easy and worry-free journey.
Factors to Consider When Choosing Auto Insurance for Towing and Roadside Assistance
One must consider several factors when choosing auto insurance for towing and roadside assistance. These factors will not only guarantee the coverage of the right thing for your specific needs but also give you peace of mind on the road.
Coverage Limit
One of the first things to consider in choosing auto insurance for towing and roadside assistance is coverage of the limit. This is something that some insurance companies might offer unlimited while others may limit it. In this respect, you must evaluate your needs and choose the coverage limit that best fits your driving patterns and preferences.
Moreover, what services the roadside assistance comparison reveals must be considered. It may be towing alone or include battery jump-starts, changing flat tires, delivering fuel, and unlocking cars. Carefully check the coverage details before making a decision.
Kristen Gryglik Licensed Insurance Agent
Moreover, what services the towing and roadside assistance covers must be considered. It may be towing alone or include battery jump-starts, changing flat tires, delivering fuel, and unlocking cars if one locks out of his or her vehicle. All your needs may be catered for after carefully checking the coverage details.
Service Availability
Another important consideration when selecting car towing insurance is the availability of services. Knowing that the insurance company has a reliable network of service providers in your locality is important. After all, coverage is only beneficial if you can access the services when you need them most.
Learn More: How do I know if I chose the right coverages?
Researching top roadside assistance companies and how they are rated by customers will give you an idea of their responsiveness. Roadside assistance compare reviews and ratings to ensure prompt and efficient service, especially during nights, weekends, and holidays. You will then be able to tell if they are reliable in providing you with the right assistance at the right time.
Cost of Premiums
While cost should not be the only factor, the roadside assistance price comparison will help you find a balance between affordability and comprehensive coverage. The premiums for different companies may vary, so use roadside assistance comparison tools to check what’s best for you.
Remember that the premium costs can also be determined by your age, driving history, location, and the car you own. Some providers offer discounts and incentives when bundling the towing and roadside assistance coverage with another policy like auto or homeowner’s insurance. You could find a cheaper alternative to which you won’t have to compromise on quality.
Auto Insurance Discounts From the Top Providers for Towing and Roadside Assistance| Insurance Company | Anti-Theft | Bundling | Good Driver | Good Student | UBI |
|---|---|---|---|---|---|
| 8% | 15% | 30% | 14% | 30% |
| 10% | 25% | 25% | 22% | 30% |
| 25% | 25% | 25% | 20% | 30% |
| 18% | 30% | 25% | 20% | 20% |
| 15% | 25% | 23% | 15% | 30% |
| 10% | 20% | 30% | 15% | 30% |
| 25% | 25% | 26% | 15% | 25% |
| 35% | 25% | 20% | 12% | 30% |
| 25% | 10% | 30% | 10% | $231/yr |
| 15% | 17% | 25% | 35% | 30% |
In conclusion, when selecting auto insurance for towing and roadside assistance, it is very important to consider coverage limits, service availability, and cost of premiums. By doing so, you will be able to have the right level of protection and support whenever you are on the road and encounter some unexpected situations.
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How to Claim Towing and Roadside Assistance from Your Insurance
When filing a claim for towing and roadside assistance, the process can vary slightly between insurance providers. However, there are popular steps you can follow to streamline the process.
Step-by-Step Guide to Filing a Claim
Step 1 – You report the incident to the insurance claims department of your insurer within the shortest time possible and request support.
Step 2 – Provide the necessary information, such as your policy number, location, and a detailed problem description.
Step 3 – Complete whatever instruction which is given by the insurance representative, such as sharing photographs or documentation.
Step 4 – Wait for the company to send your insurance company. Keep in touch with the claims department for updates or changes in the estimated arrival time.
Step 5 – After the service, retain all the receipts or documents given to you by the service provider for reimbursement purposes, if applicable.
Step 6 – Follow up with your insurance company if you have any questions or concerns about the claim or the service provided.
Common Mistakes to Avoid When Filing a Claim
Filing a towing and roadside assistance claim is generally straightforward, but there are a few common mistakes to avoid to ensure a smooth process. Check our guide, “How to File a Car Accident Claim.”
Firstly, one should report the case promptly. The claim process could have delays or complications if too much time elapses.
Brad Larson Licensed Insurance Agent
Then, provide correct and clear details regarding your location and problem. This will let the service provider trace you fast.
Hold all the receipts and papers the service provider supplies, as this may be a point of reimbursement or disagreement.
Tips to Maximize Your Towing and Roadside Assistance Coverage
Now that you have the right auto insurance coverage for towing and roadside assistance, here are some tips to maximize its benefits.
Regularly Review Your Policy
Periodically review your auto insurance policy to ensure that your towing and roadside assistance coverage aligns with your current needs. As your driving habits or circumstances change, you may need to adjust your coverage accordingly.
Understand Your Coverage Limit
Take the time to understand the coverage limit of your policy. Knowing exactly what services are covered and up to what amount will help you make informed decisions while on the road. See more in our guide, “Is full coverage really full?”
Know the Terms and Conditions
Familiarize yourself with the terms and conditions of your towing and roadside assistance coverage. Understand any exclusions or limitations to avoid surprises when you need the most assistance.
The right auto insurance for towing and roadside assistance is, after all, a wonderful thing to have. It keeps you stress-free, convenient, and financially protected if your vehicle breaks down unexpectedly. Thus, with an understanding of what this kind of coverage entails, the proper selection of an insurance provider, and maximizing its benefits, you will surely enjoy a worry-free ride.
Case Studies: Exploring the Best Options for Towing and Roadside Assistance
These case studies show the best options for auto insurance for towing and roadside assistance. Amica, Geico, and Erie provide affordable rates, good coverage, and great customer service. Each one has distinctive features to meet different needs. Here’s a quick overview of each company.
- Case Study #1 – Amica – Reliable Coverage with Great Service: The most affordable auto insurance for towing and roadside assistance starts at $82 a month, offered by Amica. Flexible plans and strong customer service make this an excellent choice for family owners and daily commuters.
- Case Study #2 – Geico – Affordable and Dependable: Geico offers the lowest-priced towing and roadside assistance auto insurance for $73 per month. This company offers 24/7 roadside help, an easy-to-use online platform, and quick claims processing.
- Case Study #3 – Erie – Customized Coverage Options: Erie offers low-cost, flexible auto insurance with towing and roadside assistance. They provide reliable roadside services and meticulous attention to detail, 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. Any of these are great choices to stay protected on the road. Check out our guide, “Compare Online Car Insurance Quotes to Save Money.”
Eric Stauffer Licensed Insurance Agent
You can find affordable auto insurance, no matter your driving record, by entering your ZIP code in our free quote comparison tool.
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Frequently Asked Questions
What is the best auto insurance for towing and roadside assistance?
Amica is the top choice for the best auto insurance for towing and roadside assistance with affordable rates and reliable coverage. View our guide, “Does Amica Mutual Insurance offer non-owner car insurance 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.
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 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.