State Farm customers can get Roadside Assistance from the company for a few dollars per month. But is it the best option out there? We at the Guides Auto Team will review State Farm roadside assistance to help you decide if it’s right for you. We’ll also list some of our picks for the best roadside assistance plans to compare.

Key Takeaways:

• State Farm roadside assistance is an add-on option for car insurance policies.
• Drivers pay about $30 per year for roadside assistance depending on the vehicle.
• State Farm roadside assistance covers towing, fuel delivery, battery jump-starts, mechanical labor, locksmith services and spare tire installation.

After a thorough State Farm roadside assistance review we rate the coverage 8.8 out of 10.0 overall and rank it in 11th place compared to other options on the market. State Farm offers basic roadside assistance, but we found some companies offer more perks with better coverage.

There are a handful of State Farm roadside assistance reviews on the insurance provider’s Better Business Bureau (BBB) profile. Customer satisfaction is mixed. In one case, a customer had to wait an hour for a tow on a busy highway because of a miscommunication on State Farm’s side. In another case, a State Farm roadside assistance reviewer said they had been turned down for service several times.

These reviews account for a small fraction of State Farm’s total policyholders since it’s the largest car insurance company in the country according to the National Association of Insurance Commissioners (NAIC).

Our team reached out to State Farm for a comment on its negative roadside assistance reviews and received the following response:

“State Farm utilizes a third-party vendor to provide roadside assistance to our customers, servicing approximately 2.5 million requests annually. While there have been instances when an individual customer has a negative experience with a towing need, it is not the norm. It is our intention that all our customers have a favorable towing and roadside assistance experience.”

It’s important to know how most roadside assistance companies work. When you call the number for roadside assistance, you’re calling a center that contacts independent service trucks in its network. In other words, you won’t see a tow truck with the State Farm logo. It will be a local tow service, instead. Service times can vary greatly depending on tow truck availability in your area and the companies State Farm has in its network to contact.

State Farm roadside assistance covers a variety of services including towing, fluid delivery and mechanical labor. Roadside assistance is available for people with State Farm car insurance policies. These coverage options apply to your insured vehicle only, not any vehicle you happen to be driving or riding in at the time of a breakdown.

In our State Farm roadside assistance review, we found there are a few things the coverage doesn’t provide. It doesn’t come with trip interruption coverage, for example, which would reimburse you for food and lodging if you had a breakdown far from home. State Farm offers this type of coverage separately on auto insurance policies. 

Other companies offer perks like personal item coverage or tire repair with roadside assistance. Progressive can tow electric vehicles to a charging station, and some auto clubs like AAA offer discounts on travel services or identity theft protection as well.

You can request emergency roadside assistance in the State Farm mobile app or through the provider’s website. You can also call 1-877-627-5757 to get service. State Farm roadside assistance is available 24/7 anywhere in the U.S. or Canada.

If you’re wondering whether you have roadside assistance included in your State Farm policy, you can check in a few ways. Your State Farm auto insurance card will list a “Coverage H” endorsement on the back if you have it. You can also log in to your State Farm account online or call your local agent to see if you have coverage. 

Even if you don’t have coverage, State Farm can still send someone to get your car started or tow it to a repair shop. You’ll pay for costs out of pocket in this case. According to the auto insurance company, State Farm negotiates rate discounts with roadside providers, so it can be cheaper to use State Farm than a local company.

According to our State Farm roadside assistance review, a roadside plan add-on costs about $30 per year. This is similar to add-on roadside assistance costs from other insurance companies. You will also pay for extra items like gas, batteries and tires if you request them through roadside assistance. State Farm will bill you for these after the roadside event.

State Farm also offers a towing and labor add-on that can reimburse you up to $100 for a roadside event. This is cheaper than roadside assistance and costs under $10 per year. However, you’ll have to find a roadside provider on your own and submit receipts for reimbursement. This option isn’t a full roadside assistance program.

State Farm roadside assistance is a good option if you already have car insurance coverage from the company. You can call your State Farm agent to upgrade your plan. However, other providers like Allstate and Travelers offer more roadside service options for drivers. Insurance rates vary widely by company and depend on your location, driving record, deductible and more. Compare multiple car insurance quotes to find a good deal on emergency road service.

Top Alternatives to State Farm Roadside Assistance

State Farm offers basic coverage, but we’ve found there are better options out there if you want more perks and services included with your roadside assistance. 

• Better World Club: Better World Club is a carbon-neutral roadside assistance membership company that serves all 50 states. It offers towing up to 100 miles, trip interruption and discounts on various travel services.
• Allstate: Allstate roadside assistance is one of the more comprehensive options from an insurance company. Allstate offers two options — the higher plan covers towing up to 100 miles, trip interruption and road hazard tire repair.
• Travelers: Travelers roadside assistance is another good option for comprehensive coverage. Its Premier Roadside Assistance® package includes towing up to 100 miles, trip interruption and personal property coverage.

Our Methodology

Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best roadside assistance providers. We collected data on several companies to grade them on five key ranking factors. The end result was an overall rating for each provider, with the companies that scored the most points topping the list.

Here are the factors our ratings take into account:

• Industry standing: Our research team considers years of experience and BBB ratings when giving this score.
• Availability: Roadside assistance companies with fewer membership exclusions that offer coverage nationwide are more likely to meet consumer needs.
• Coverage: This score is based on the number of services covered under a provider’s roadside assistance plan as well as the limits for each.
• Cost: Providers that offer affordable plan costs and discount opportunities receive the highest ratings. We also consider whether companies offer stand-alone plans or coverage add-ons.
• Customer experience: We take a thorough look at customer reviews on the BBB and Trustpilot to learn about each provider’s customer experience.