State Farm Auto Insurance: Understanding Roadside Towing Coverage

State Farm offers 24-hour roadside assistance and towing services to its customers. This includes towing to the nearest repair facility, delivery of gas, oil, a battery or tyres, and locksmith services. State Farm will cover the cost of towing and labour for up to one hour, but customers will need to pay for any replacement items such as tyres, gas and batteries. The cost of adding roadside assistance to a State Farm auto policy can be as low as $8 per year, depending on the vehicle and location.

Towing to the nearest repair location

State Farm's roadside assistance provides towing services to the nearest repair location if your covered vehicle is not drivable. This service is included in their Emergency Road Service coverage.

State Farm does not impose a distance limit on towing services, unlike other carriers such as Geico. They will pay for the towing costs to the nearest repair facility, regardless of the distance. However, if you want your vehicle to be towed to a preferred location or mechanic, you may have to pay extra.

State Farm offers 24-hour emergency roadside service, and you can request assistance by calling their toll-free number, using their website, or through their mobile app. They will dispatch a service provider to assist you and take care of your towing needs.

If you have verified coverage, State Farm will be billed directly for basic services, and you will not bear the upfront financial burden. However, you may incur out-of-pocket costs for replacement items such as tires, gas, and batteries.

The cost of adding roadside assistance to your State Farm auto policy can range from $8 to $24 per year, depending on your vehicle and location. State Farm's roadside assistance is a good option if you already have car insurance with them, but it's important to note that coverages may vary by state and location.

Towing if stuck on or next to a public road

If your vehicle breaks down and becomes stuck on or immediately next to a public road, State Farm's emergency roadside assistance coverage will cover the cost of towing your vehicle to the nearest repair location. This is included in their emergency road service coverage, which helps to pay for reasonable, emergency services in the event of a vehicle breakdown.

State Farm provides 24-hour emergency roadside service, and will send someone to help you get back on the road. If you have coverage, you will not bear the upfront financial burden as State Farm will be billed directly for basic services. However, you may incur out-of-pocket costs for replacement items such as tires, gas, and batteries.

If you do not have Coverage H (Emergency Road Service), you will pay for the services at a competitive rate negotiated by State Farm, which is usually less than what is available in the market.

To check if you have Emergency Roadside Service coverage, look for "Coverage H" on the back of your insurance ID card, or log into your account and view your coverages.

Delivery of gas, oil, battery or tires

State Farm's roadside assistance coverage includes the delivery of gas, oil, a battery, or a tire change, as required to make your insured vehicle drivable. However, it is important to note that only the delivery of these items is covered, and you will need to pay for the cost of the items themselves.

If you have State Farm's Emergency Roadside Service coverage and your vehicle breaks down due to an empty gas tank, a flat tire, or a dead battery, you can request assistance, and they will dispatch a service provider to deliver the necessary items to get you back on the road. The delivery service is available 24 hours a day, 7 days a week, so you can rest assured that help is always within reach.

State Farm's roadside assistance coverage is designed to help lessen the hassle and stress of a vehicle breakdown. With their coverage, you won't have to worry about bearing the financial burden of emergency services upfront, as State Farm will be billed directly for basic services. However, it's important to remember that you may still incur out-of-pocket costs for replacement items such as gas, oil, batteries, or tires.

In addition to delivering gas, oil, batteries, and tire changes, State Farm's Emergency Roadside Service also covers towing services to the nearest repair facility if your vehicle is on a public road and can't be started or driven without causing damage. They also offer locksmith services for up to one hour if your car key is lost, stolen, or locked inside the vehicle, as well as mechanical labor for fluid leaks (excluding fuel) and other mechanical issues for up to one hour at the breakdown site.

To check if you have Emergency Roadside Service coverage with State Farm, you can look for "Coverage H" on the back of your insurance ID card or log into your account and view your coverages. If you don't have this coverage, you can consider adding it to your policy, especially if you own an older or less reliable car.

Locksmith services

State Farm's roadside assistance covers locksmith services for up to one hour if the keys to the covered vehicle are lost, stolen, or locked inside the vehicle. This is part of their Emergency Road Service coverage, also known as Coverage H.

If you have this coverage, you can call State Farm's roadside assistance toll-free number (877-627-5757) to take advantage of their program, which covers "common and reasonable expenses". State Farm will be billed directly for these basic services, so you won't have to pay anything upfront.

However, it is important to note that insurance companies usually have existing contracts with specific service providers, and reimbursement may not be guaranteed if you choose a locksmith outside their network. Therefore, it is recommended to call State Farm directly instead of assuming you will be reimbursed for using an out-of-network locksmith.

Additionally, if your insurance plan does not include roadside assistance, you can still contact State Farm, as they offer services at a competitive rate that is usually lower than the market price.

Mechanical labor

State Farm's roadside assistance coverage includes mechanical labor at the breakdown site for up to one hour. This covers mechanical issues such as fluid leaks (excluding fuel), battery replacement, electrical problems, transmission issues, and other problems.

State Farm will not cover labor costs beyond the first hour, so any additional time will be billed as out-of-pocket expenses. It is important to note that while the delivery of accessories like gas, oil, or a battery is covered, the cost of these items is not.

If you have State Farm's roadside assistance coverage and your vehicle breaks down, you can request assistance by calling their toll-free number or through their website or mobile app. They will dispatch a service provider to help you get back on the road.

State Farm's roadside assistance coverage is a valuable option for those who want peace of mind while on the road. It covers various mechanical issues and provides assistance when you need it the most.

Frequently asked questions