Roadside Assistance Coverage

Roadside assistance coverage can include towing, jumpstarts, tire changes, gas delivery, and more. Roadside assistance plans are offered through most top insurance companies as an additional type of coverage. AAA roadside assistance and roadside coverage and coverage through credit card companies are other options. Roadside assistance rates can range from $30-$100 yearly, which is only $2.50/month to $12/month.

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UPDATED: Jun 28, 2022

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Written By: Chris TepedinoReviewed By: Laura WalkerUPDATED: Jun 28, 2022Fact Checked

The Rundown

  • Roadside assistance is usually offered as an additional type of coverage.
  • Roadside assistance can cover towing, gas delivery, jump starts, and more.
  • Roadside assistance is offered through insurance companies, credit card companies, cell phone companies, and more.

Roadside assistance coverage is an additional type of coverage drivers can opt to purchase that comes in handy during many different situations.

Imagine your vehicle has suddenly stopped working and you end up stranded on the side of the road. This would be a scary situation, especially if you have no way to get your vehicle working again. This is where roadside assistance coverage could come in.

Roadside assistance can cover everything from jumpstarts to towing your vehicle to a nearby repair shop or even to your home, though specifics depend on the insurance company from which you purchase roadside assistance.

If cheap insurance is more important to you, you may find that roadside assistance isn’t worth the extra cost, even though it is minimal in most cases.

There is a lot to know about roadside assistance and we’ve covered it all. Read on for all the information you need. To compare rates from top companies in your area, enter your ZIP code into our quote box today.

What is covered by roadside assistance?

As mentioned above, the things covered by roadside assistance are all based on where you purchase the coverage. For the most part, however, roadside assistance will include:

  • towing
  • gas delivery
  • jump starts
  • tire changes
  • locksmith services

Roadside assistance can also cover getting your vehicle removed if it is stuck in mud or snow.

Some companies offer additional roadside assistance options, which can include coverage for towing longer distances. Be sure to check with your insurance company about all the benefits they offer with roadside assistance.

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What is the cost of roadside assistance?

The cost of roadside assistance can depend on many factors, with some companies offering it as low as $30 per year and others charging around $100 per year. Affordable roadside assistance is usually an option on your car insurance policy.

Additionally, you may accrue extra costs that aren’t covered with your actual roadside assistance policy. For example, if you have to be towed a further distance than is covered by your policy, you will likely have to pay the difference out of pocket.

As with most forms of coverage, cheaper doesn’t always mean better when it comes to roadside assistance coverage. Be sure to carefully examine the roadside assistance rates and options your company is offering.

Is roadside assistance worth the extra cost?

This all depends on your needs and wants. While many people find roadside assistance worth purchasing just for the peace of mind, some would rather save a few bucks on their policy and use it for something else.

Those with newer cars and those with short commutes may find roadside assistance not worth the extra cost, as there is less chance of an accident in these cases.

It is also a good idea for motorcycle riders to purchase roadside assistance coverage, according to the Insurance Information Institute.

Is roadside assistance included with basic coverage?

With most companies, roadside assistance is a form of additional coverage; however, there are companies  that include it with their standard car insurance coverage.

For example, 21st Century has a basic coverage package that includes 24/7 roadside assistance at no additional charge.

Several credit card companies also offer free roadside assistance options to their members, including Chase and Visa.

Roadside assistance is offered to customers from certain cell phone companies, including Verizon and AT&T. Inquire with your credit card or cell phone company to see if they offer any such benefits.

Easily compare coverage rates from excellent auto insurance companies by using our quote box.

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Other Things About Roadside Assistance You Should Know

If you are wondering how many roadside assistance service claims your auto insurance company will allow, it can sometimes be unlimited. However, many companies have a limit of around four claims.

If you are using roadside assistance minimally, you shouldn’t see an increase in rates. This can differ from company to company, though.

How can you find roadside assistance coverage?

You can buy roadside assistance coverage from a variety of different sources that can all range in costs and benefits. A number of top companies offer roadside assistance.

AARP roadside assistance, Allstate roadside assistance, Progressive roadside assistance, GEICO roadside assistance, and State Farm roadside assistance are just a few of the options from top companies.

Roadside assistance from most of these companies can be added a minimal additional cost.

AAA roadside assistance is another popular option. It may be the best-known roadside assistance coverage company out there.

You must be a member of AAA to receive their roadside assistance coverage, but membership comes with plenty of other benefits as well, including travel discounts and low-cost movie tickets.

You may also be able to get roadside assistance from your car’s manufacturer. Companies like Ford, General Motors, Toyota, and Volkswagen all offer roadside assistance coverage for a limited time with some vehicles.

Check with your vehicle’s manufacturer to see if they offer any such option.

If you already have basic coverage with an insurance company, you can easily ask about its roadside assistance coverage options. Many companies offer roadside assistance as part of its full coverage plans.

While full coverage can be expensive in some states, some people like having the knowledge that they are covered in almost any situation. Check out the chart below to see the average annual full coverage rates in your state.

Average Annual Full Coverage Rates by State
StateAverage Annual Full Coverage Rates
District of Columbia$1,330.73
New Hampshire$818.75
New Jersey$1,382.79
New Mexico$937.59
New York$1,360.66
North Carolina$789.09
North Dakota$773.30
Rhode Island$1,303.50
South Carolina$973.10
South Dakota$766.91
West Virginia$1,025.78
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As you can see, there is a major difference in full coverage rates between some states.

If you are looking for a policy that includes roadside assistance and don’t feel like spending hours online comparing rates, use our quick and easy comparison tool instead. Roadside assistance coverage quotes can be included with a complete car insurance quote.

Before you buy roadside assistance coverage, always compare quotes to make sure you are getting the best price. Enter your ZIP code into our FREE quote tool today.



Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Written by Chris Tepedino
Insurance Feature Writer Chris Tepedino

Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent Laura Walker

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