State Farm Roadside Assistance Coverage (2024)

Your car will inevitably break down at some point. Whether it’s a flat tire or dead battery, having help on the way gives you peace of mind. State Farm Roadside Assistance offers support to drivers when they need it.

State Farm Roadside Service includes towing, mechanical labor, winching, and locksmith services. Although rates vary, costs are usually inexpensive. Even if you don’t have coverage, State Farm will help you get a lower rate from its service providers.

State Farm has been around for over 100 years and has built a reputation that drivers can trust. Read our State Farm Car Insurance Review to learn more about the company. You can also enter your ZIP code to compare free car insurance quotes from the companies in your area.

What is State Farm Roadside Assistance coverage?

Let’s say you’re on a weekend road trip across your state when you get a flat tire. Who do you call for help if your miles away from anyone you know? That is where roadside assistance comes in.

Does auto insurance cover roadside assistance? Sadly, standard car insurance doesn’t cover roadside assistance, but you can easily add it to your policy.

With State Farm Emergency Road Service, help is available 24 hours a day. You can request service online, through the app, or by calling the State Farm Roadside Assistance number 1-877-627-5757.

Rates for Roadside Assistance from State Farm average less than $30 a year but will vary by driver and vehicle. However, State Farm isn’t the only company that offers roadside assistance.

This table shows average roadside assistance rates from other insurance companies to give you an idea of how State Farm stacks up.

Roadside Assistance Car Insurance Rates

Read more: Root Car Insurance Review

You can see that State Farm isn’t the cheapest, coverages offered will vary by company. So be sure to compare available coverage as well as rates when looking for roadside assistance.

A unique State Farm feature is that you can still save money even if you don’t have Roadside Assistance coverage on your policy. State Farm will still help negotiate with its service providers to lower your costs. So while service won’t be free, it will be much less expensive.

What services are included in State Farm Emergency Road Service?

State Farm provides various services to help keep you on the road. While not every need is covered, State Farm’s Roadside Assistance offers basic services that are used most often.

State Farm Emergency Road Service includes:

• Towing. If your vehicle is not driveable, State Farm towing coverage will take it to the nearest repair shop. However, coverage does not include having the car towed to a shop of your choosing.(For more information, read our “Can your car get towed for no insurance?“).
• Fuel, fluids, and parts delivery. If you run out of gas or oil or need a new battery, State Farm will cover its delivery cost. However, you will have to pay for the fluids or parts.
• Battery jump-start. A service provider will come to jump-start your car if it doesn’t start on its own.
• Mechanical labor. State Farm will cover up to one hour of labor charges to get you back on the road. This includes changing your tire or replacing a battery.
• Locksmith service. A locksmith will come to open your car if you lose your keys or lock them inside. However, you will have to pay for a replacement key if needed.
• Winching. Similar to State Farm towing, a driver will pull you out if your car is stuck either on or adjacent to a public road. Examples include being stuck in the mud or snow.

Remember, coverages offered will vary by provider. In addition, most car insurance companies and car clubs provide some form of roadside assistance. Compare services provided to determine which coverage is best for you.

Who should consider State Farm Roadside Assistance?

To determine if you should buy State Farm Roadside Assistance, look at your vehicle and how you use it.

First, consider your car. If it’s older or unreliable, having Emergency Road Service at your disposal offers peace of mind. However, you may not need additional coverage if your vehicle is new.

According to Consumer Reports, many new car warranties include roadside assistance. If it is included, there’s no reason to get additional coverage.

Next, look at how you use your car. For example, do you have a long commute, love to take road trips, or often drive out of your local area? Or, do you work from home and only shop in your local area?

For drivers who are on the road a lot, roadside assistance can be handy.

Finally, consider how you are as a driver. Can you change your tire and make minor repairs yourself? Do you lose your keys daily and forget to check the gas gauge?

Knowing yourself and your vehicle can help you determine whether or not roadside assistance is right for you. However, rates are so low it doesn’t hurt to add State Farm Roadside Assistance just in case.

State Farm Roadside Assistance Coverage: The Bottom Line

State Farm Roadside Assistance offers various services, including towing, winching, fuel and parts delivery, and mechanical labor. While rates will vary by car and driver, costs are usually under $30 a year.

Drivers can use Emergency Road Service from State Farm by calling, requesting service online, or by using the app.

Consider adding coverage if you drive out of your local area and put a lot of miles on your vehicle. But, remember that most car insurance companies offer roadside assistance, so shop around for the coverage that meets your needs.

You’re ready to think about cheap car insurance now that you know about State Farm Roadside Assistance. Enter your ZIP code now to compare car insurance quotes from companies near you for free.