Best Roadside Assistance Coverage Auto Insurance Companies (2024)
When shopping for the best roadside assistance programs, it's important to keep both cost and coverage top of mind. Annually, drivers typically spend around $1,732.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Oct 13, 2023
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 13, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Most roadside assistance plans are available for a flat fee every month
- Standard coverage options include high towing limits and winching to get your car out of mud, sand, or snow
- More expensive plans generally offer added perks as well, like hotel discounts and trip interruption insurance
Many insurance companies in the auto industry offer roadside assistance, but what exactly are the best roadside assistance policies out there?
Most roadside assistance policies are available for a flat fee every month, or year, in additional to your regular car insurance. But does all car insurance include roadside assistance?
Keep reading to find out which car insurance companies offer the best roadside assistance. Ready to start comparing auto insurance rates? Simply enter your ZIP code into our easy tool and start your free comparisons today.
Which auto insurance companies offer the best roadside assistance?
The best roadside assistance policies will generally offer a few of the following: towing, flat tire change, lockout (open a door if the keys are locked inside), jump-start of a dead battery, and fuel delivery. These services are meant to provide a “no out-of-pocket cost” to you beyond your original membership fee.
Some of the best plans also offer additional services, including trip interruption coverage and discounts on travel or dining from partner providers.
Let’s look at some of the best roadside assistance carriers on the market currently.
Allstate
Allstate offers all the services you’d expect from a roadside assistance company, as well as some additional features for a reasonable price.
Here is what a membership will get you:
Even with the most basic AAA membership, you have access to the Motor Vehicle Department (MVD) services in some states. AAA can help with completing any paperwork you would normally do at the DMV (like vehicle registration, titling, and plate renewal services), instead of going to the DMV directly. You can do these things at any AAA office, and AAA will cover all necessary fees.
The perks of being a Plus or Premier AAA member are that you are offered reimbursements for locksmith fees, trip interruption, emergency medical transport, and even windshield repair.
The average cost for AAA’s roadside assistance starts at $52 a month.
Progressive
Progressive roadside assistance offers a 24/7, inexpensive roadside assistance program. In addition to standard services like towing and fuel delivery, Progressive covers getting your car out of snow, sand, mud, or water, for up to 100 feet away from a road or highway.
It’s a great choice for those who tend to drive in hazardous weather or on roads in poor condition or those who live in a state that has seasonal changes.
Here’s a complete breakdown of their services:
- Vehicle towing: towing your vehicle anywhere within a 15-mile radius. If there isn’t a repair shop within 15 miles, Progressive will tow it to the nearest qualified repair shop. If you choose to have your vehicle towed to a shop that isn’t the closest one, you need to pay for the extra mileage. Keep in mind, you’re responsible for the cost of any parts and/or repairs made to your vehicle.
- Winching service: if your car is trapped in mud, snow, water, or sand (within 100 feet of a road or highway), Progressive will pull your car out with a motor-powered cable or chain.
- Battery jump-start: jump-start your car at the scene to help get you on your way.
- Fuel delivery: if you run out of gas, Progressive will deliver fuel directly to your vehicle. You only pay for the cost of the fuel. The delivery and service are free.
- Battery charge for electric cars: If you run out of charge, Progressive can arrange to tow your vehicle anywhere within a 15-mile radius, or to the nearest qualified charging facility if there isn’t one within 15 miles. You only pay for the cost of the charge.
- Locksmith service: If your keys are lost, stolen, or accidentally locked inside your vehicle, Progressive will dispatch a qualified service provider. You’re only responsible for keys/costs to replace them.
- Flat tire change: A roadside professional will put the spare tire on your vehicle at the scene for no cost as long as you can provide a spare.
- On-scene labor: Progressive provides up to one hour of labor if your car is disabled. If you need more than an hour, you can simply choose to have your vehicle towed to the nearest qualified repair shop or pay for any extra costs.
There may be a limit to the number of roadside assistance events your policy covers. Additionally, in some states, such as North Carolina and Virginia, roadside assistance coverage is subject to limits stated on your policy.
Other roadside assistance options that Progressive offers:
- Motorcycle Roadside Assistance
- Boat Roadside Assistance
- RV Roadside Assistance
- Trip Interruption coverage for motorcycle and boat
The average cost of Progressive’s roadside assistance is around $16 a month on average on top of your existing policy.
AARP
AARP roadside assistance is the best roadside assistance for seniors. Through Allstate’s team-up of roadside assistance programs, AARP members are able to take advantage of these same services offered to Allstate policyholders.
Similarly to AAA’s model, you can purchase a roadside assistance policy with tiered services and features as an add-on to your already existing policy.
Starting at around $62 per month, the program offers services such as towing, winching, dead battery jump-start, flat tire change, fuel delivery, and lockout. Memberships also include three free calls for service per year.
Those benefits also extend to rental cars as well.
Other features also include:
Annual Cost and Coverage for AARP Roadside Assistance Plans
| Cost | Covers | Additional info |
|---|---|---|
| $64–$84 | Trip routing, auto theft reward, emergency hospital bond, arrest bond certificate, legal defense reimbursement, trip interruption guarantee | 5 miles with the basic package, 100 miles with premium package |
The towing limit is only 10 miles, but a 100-mile limit is available if you upgrade to the $149 Elite plan.
Allstate’s roadside assistance also provides 24-hour emergency roadside to AARP members across the United States, Puerto Rico, and Canada.
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Other Roadside Assistance Programs
Similarly to comparing auto insurance quotes, which plan works best for you may depend on a few numbering factors like how you drive, where you live, and what you want out of your roadside assistance package.
Here are some honorable mentions:
Annual Cost and Coverage for Roadside Assistance Programs
| Company | Cost | Details | Miles to Shop | Calls per year |
|---|---|---|---|---|
| Better World Club | $58-$98 | Battery jump-start, flat tire change, lockout service, fuel delivery, trip routing, discounts on hotels, rental cars, and more | 5 miles with the Basic Auto package, 100 miles with the Premium Auto package | Limit of 4 service calls per year |
| USAA | $14 | Towing, lockout service, jump-start, flat tire change, fuel delivery | Nearest repair shop | Pays up to $100 per occurrence |
| Geico | $14 | Towing, jump-start, flat tire change, lockout service | Nearest repair shop | Limit of 5 service calls per year |
| CARCHEX | $60–$110 | Towing, mechanical first aid, flat tire change, emergency battery service, lockout service, fuel delivery, theft reward, trip route mapping | 25 miles | Limit of 5 to unlimited service calls per year, depending on package |
| OnStar | $300–$756 | Automatic crash response, automatic emergency services contact, towing, flat tire change, fuel delivery, stolen vehicle assistance, remote vehicle diagnostics, 2GB hotspot data | 40 miles or nearest repair shop | Service limits vary by customer and state |
| American Express | Included with American Express Serve or Bluebird by American Express membership | Towing, winching, jump-start, fuel delivery, lockout service, flat tire change | Nearest repair shop | Only provides coordination and assistance with obtaining services (cost of services are the responsibility of the customer) |
Read more: Auto Insurance Discount for American Express Employees
While these insurers run a little bit more expensive than the ones we mentioned previously, that doesn’t mean that their services are poor quality. The best choice for you depends on what you want out of a roadside assistance program as well as what is going to fit comfortably within your budget.
What is the best roadside assistance membership?
The answer to this is going to depend on a few factors that mostly range from: what is going to fit your needs and your budget to, what you want out of a roadside program. While many auto insurance companies offer roadside assistance, these programs will always vary greatly by location.
If you already have an existing policy, Progressive is the best bang for your buck. Starting at only $16 a month on top of your policy is a great deal as well as Progressive offering some amazing perks on top.
If you don’t already have a policy that includes roadside assistance, Allstate is another great option. With Allstate, you don’t need an existing policy. Anyone can purchase any of the tiered options and get the full coverage needed to keep safe while driving on the road.
Is AAA the best roadside assistance?
This is a common question, especially since AAA started as a high school driving curriculum and pedestrian safety program. Since AAA is spread out over multiple car insurance companies and groups throughout each state they reside in, there are numerous reasons why they would be a great option in terms of coverage.
As stated above, they do run a bit more expensive than both Allstate and Progressive, with membership rates ranging about $50 to $100 per year.
In terms of coverage, though, they have about the same amount of coverage as the other two providers. So, if cost is a big factor for you, they might not be the best fit.
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Which auto insurance companies offer the best roadside assistance? Key Takeaways
While most auto insurance companies have their own roadside assistance programs, there are some that stand out amongst the competition. With both Progressive and Allstate having similar programs featuring cheap and competitive rates, they are both the top picks for us in terms of the best roadside assistance.
Now that you’ve learned about what the best roadside assistance programs are, take the time to enter your ZIP code into our free tool and start comparing quotes in your area.
Frequently Asked Questions
What is roadside assistance coverage in auto insurance?
Roadside assistance coverage is an optional add-on to auto insurance policies that provides assistance and services when your vehicle breaks down or experiences a mechanical failure. It typically covers services like towing, battery jump-start, fuel delivery, tire change, and lockout assistance.
Why is roadside assistance coverage important?
Roadside assistance coverage can be beneficial in situations where your vehicle becomes disabled due to various reasons, such as a flat tire, dead battery, or engine failure. Having this coverage can provide you with peace of mind and help you get back on the road quickly without incurring significant out-of-pocket expenses.
Which auto insurance companies offer the best roadside assistance coverage?
Several auto insurance companies offer reliable and comprehensive roadside assistance coverage. While individual preferences may vary, here are some well-regarded companies known for their roadside assistance programs:
- AAA (American Automobile Association)
- Allstate
- GEICO
- Progressive
- State Farm
What factors should I consider when evaluating roadside assistance coverage?
When evaluating roadside assistance coverage, consider the following factors:
- Services offered: Check what services are included, such as towing distance limits, battery jump-starts, fuel delivery, tire changes, lockout assistance, and more.
- Coverage limits: Review the coverage limits for each service, such as the number of tows allowed per year or the maximum reimbursement amount.
- Availability: Determine if the coverage is available 24/7 and whether it extends across multiple locations or only within a limited range.
- Cost: Compare the cost of adding roadside assistance coverage to your policy and any deductibles or additional fees associated with the service.
- Customer reviews: Research customer feedback and ratings to gauge the quality and reliability of the company’s roadside assistance program.
Can I add roadside assistance coverage to my existing auto insurance policy?
In most cases, yes. Many auto insurance companies allow you to add roadside assistance coverage to your existing policy for an additional premium. Contact your insurance provider to inquire about adding this coverage and to understand the associated costs and terms.
Is roadside assistance coverage worth the cost?
Whether roadside assistance coverage is worth the cost depends on your individual needs, preferences, and the potential risks you may encounter while driving. If you frequently travel long distances, have an older vehicle, or want the convenience of professional assistance in case of breakdowns, then roadside assistance coverage can be valuable.
How do I use roadside assistance coverage if I need help?
If you require roadside assistance, contact your insurance company’s designated helpline or emergency assistance number. Provide them with details about your location, the issue you’re facing, and any other relevant information they may require. They will dispatch a service provider to assist you based on the terms and coverage of your policy.
Will using roadside assistance affect my insurance rates?
In general, using roadside assistance coverage provided by your insurance company should not directly impact your insurance rates. Roadside assistance claims are typically classified separately from traditional auto insurance claims, and they are not typically considered when determining your premium. However, it’s always a good idea to consult with your insurance provider to understand their specific policies regarding this matter.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
