State Farm Auto Insurance: Uncovering The Roadside Assistance Benefits

State Farm offers 24/7 roadside assistance to its auto insurance customers. This service is available as an add-on to an existing policy for an additional cost of around $10 to $24 per year. State Farm's roadside assistance covers towing, gas delivery, locksmith services, and mechanical labour for up to an hour. It is worth noting that while State Farm negotiates lower rates with local service providers, customers are still responsible for the cost of items such as gas, oil, and tires.

State Farm's roadside assistance costs

State Farm offers roadside assistance as a policy add-on for its customers. The exact cost of State Farm's roadside assistance varies based on the state, the type of vehicle, and other factors. However, it typically costs around $10 to $24 per year, or about $2.5 per month. This price can vary depending on your specific circumstances, but most customers find it surprisingly affordable.

State Farm's roadside assistance covers towing, gas delivery, locksmith services, and mechanical labour for up to an hour. It also includes winching if your vehicle is stuck on or next to a public road. The cost of the service items, such as gas, oil, or a new battery, is not included in the coverage.

If you have State Farm insurance and need roadside assistance, you can request help through the State Farm mobile app, on their website, or by calling their service provider.

What does State Farm's roadside assistance cover?

State Farm's roadside assistance provides coverage for a range of common issues that motorists may encounter, offering peace of mind for drivers. The service is available 24/7 and covers various scenarios, including:

Towing

State Farm offers free towing services for over 10 miles or to the nearest repair location if your car is not in a drivable condition. This includes towing your covered vehicle to the nearest repair facility if it's on a public road and can't be driven without causing damage.

Mechanical Labour

The coverage provides up to one hour of mechanical labour at the breakdown site to address issues such as fluid leaks (excluding fuel) and other minor mechanical problems that can be fixed on the spot.

Winching

If your vehicle is stuck on or next to a public road, State Farm's roadside assistance will provide winching services to get you back on the road.

Delivery of Gas, Oil, Battery, or Tires

State Farm will deliver gas, oil, a car battery, or tires to make your car drivable. However, it's important to note that the cost of these items is not included in the coverage, and you will need to pay for them separately.

Locksmith Services

The coverage includes up to one hour of locksmith labour if the key to your covered vehicle is lost, stolen, or locked inside the vehicle.

While State Farm's roadside assistance covers these basic services, it's important to note that there are some limitations. For example, towing and labour costs beyond the first hour may not be covered, and the distance for towing may vary depending on your location. Additionally, the cost of items delivered, such as gas, oil, or tires, is not included in the coverage.

Limitations of State Farm's roadside assistance

State Farm offers roadside assistance as a policy add-on for its customers. This service provides towing and labor services when a customer's vehicle is disabled. However, there are several limitations to State Farm's roadside assistance that potential customers should be aware of:

• Cost of replacement items: State Farm's roadside assistance covers the delivery of fuel, tires, and batteries, but customers are responsible for the cost of purchasing these items. This means that if you need a new tire, battery, or fuel, you will have to pay for it out of your own pocket, even though State Farm will cover the delivery cost.
• Towing costs beyond the policy limit: State Farm's roadside assistance covers towing to the nearest repair facility. However, if you want your vehicle towed to a location further away, you will be responsible for the additional costs. This also applies if you exceed the mileage limit in your policy.
• Labor costs beyond the first hour: State Farm's roadside assistance covers up to one hour of mechanical labor at the breakdown site. If the emergency roadside service exceeds one hour, customers will be responsible for any additional labor costs.
• Coverage limitations: The coverage provided by State Farm's roadside assistance may vary depending on the customer's location and specific policy. For example, the towing distance covered may differ, with some customers reporting coverage of 13 miles in California and only 10 miles in Florida.
• Vehicle-specific coverage: State Farm's roadside assistance is vehicle-specific, meaning it only covers the vehicles listed in the customer's auto policy. If a customer is driving a vehicle not listed in their policy, they will not be covered by State Farm's roadside assistance.
• Limited to State Farm customers: State Farm's roadside assistance is only available to State Farm auto insurance customers who have added this coverage to their policy. It is not a standalone service that anyone can use.

While State Farm's roadside assistance can be a valuable addition to an auto policy, it is important to understand these limitations before purchasing. Customers should carefully review their policies and speak with a State Farm agent to clarify any coverage limitations and ensure they have the protection they need.

How to request State Farm's roadside assistance

State Farm offers 24-hour emergency roadside assistance to its customers. This includes towing and labour services when your vehicle is disabled.

To request roadside assistance, you can either call State Farm's service provider at 877-627-5757, or request assistance through the State Farm mobile app or website. Once you have made the request, a service provider will be dispatched to assist you and take care of your emergency road service needs.

If you have Coverage H (Emergency Road Service), State Farm will be billed directly for basic services, so you will not have to bear the upfront financial burden. However, you may incur out-of-pocket costs for replacement items such as tires, gas, and batteries.

If you do not have Coverage H, 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, you can look at the back of your insurance ID card, which will say "Coverage H" if you are covered. Alternatively, you can log into your account and view your coverages.

State Farm's roadside assistance vs. competitors

State Farm offers 24-hour emergency roadside assistance to its customers. This includes towing and labour services when a vehicle is disabled. Customers can purchase roadside assistance as a policy add-on for around $10 to $24 per year, depending on the state, vehicle type, and other factors. The exact cost varies, but most customers find it surprisingly affordable.

State Farm's roadside assistance covers:

• Towing to the nearest repair facility if the vehicle is on a public road and can't be driven without causing damage.
• Delivery of gas, oil, a battery, or tires to make the vehicle drivable (delivery is covered, but not the cost of the items).
• One hour of locksmith services if the key is lost, stolen, or locked inside the vehicle.
• One hour of mechanical labour for fluid leaks (excluding fuel) and other mechanical issues.

State Farm's roadside assistance ranks 10th out of 22 companies, according to WalletHub. It is budget-friendly and suitable for those who need coverage for small, occasional issues. However, State Farm only offers one plan, so it may not be the best choice for those seeking additional towing miles or perks.

State Farm vs. Competitors

When compared to competitors, State Farm's roadside assistance has both advantages and disadvantages.

AAA

AAA, an auto club federation, offers multiple roadside plans and perks that State Farm does not. AAA has three levels of membership, ranging from $64 to $124 per year, while State Farm's roadside assistance costs about $30 per year. AAA covers you as a driver or passenger in any car, whereas State Farm's coverage follows your car. AAA offers benefits like trip interruption, auto theft rewards, legal defence reimbursement, travel accident insurance, and discounts at various businesses.

Allstate

Allstate offers a comprehensive roadside assistance plan available to both policyholders and non-policyholders. They also provide a pay-per-use plan with no upfront cost.

Better World Club

Better World Club is a carbon-neutral roadside assistance company that offers similar rates to AAA, along with slightly cheaper rates for towing up to 100 miles, trip interruption, and discounts on travel services.

Geico

Geico offers roadside assistance coverage for as low as $14 per year, including towing, battery jump-starts, tire changes, lockout services, fuel delivery, and winching.

Travelers

Travelers offers a Premier Roadside Assistance package that includes towing up to 100 miles, trip interruption, and personal property coverage.

In summary, State Farm's roadside assistance is a good option for those seeking basic, affordable coverage. However, competitors like AAA, Allstate, Better World Club, Geico, and Travelers provide more comprehensive plans with additional perks and services.

Frequently asked questions