Is Farmers Roadside Assistance Worth It?

How does Farmers roadside assistance measure up to competition like AAA? Let’s find out.
Written by Katherine Duffy
Reviewed by Kathleen Flear
Current Farmers
car insurance
policyholders can add roadside assistance to their current plan for just $23 per year. You can access these services by calling
1-800-435-7764 or submitting a request through the Farmers app. 
  • Farmers roadside assistance is available 24/7 under all vehicles insured with Farmers. 
  • Roadside assistance with Farmers only costs $23, but you may have to pay extra for labor-intensive services. 
  • Farmers does not require you to carry a minimum level of coverage to add roadside assistance to your current policy.
While many drivers choose to get roadside assistance through auto clubs such as AAA, this kind of coverage can be affordably added onto your current Farmers auto policy. Which option is right for you? We have all the information you need to make the choice that’s right for you. 

What does Farmers roadside assistance cover?

Farmers roadside insurance coverage provides essential roadside services such as fuel delivery, towing services, lockout assistance, and more. 
  • Towing:
    Farmers will cover towing to the nearest certified repair facility up to $100 of coverage. 
  • Dead battery service:
    If your battery is dead, you can get a jump-start or an emergency battery replacement to get you on the road again. (battery replacement not included). 
  • Winching service:
    If your car gets stuck in mud, snow, or a ditch, Farmers can send a professional to pull it out. However, your car needs to be within 100 feet of a legal, paved road.
  • Flat tire change:
    If you get a flat tire while driving and you’re unsure about how to change it, Farmers can send a professional to do it for you.  (If you don’t have your own spare, you’ll need to pay for the replacement.)  
  • Lockout assistance:
    If you’ve accidentally locked your keys inside your car, a professional can open your door and unlock it for you. But if you’ve lost your keys, you’ll have to purchase a new set yourself. 
You must be a current Farmers auto insurance policy holder to add this type of coverage onto your plan
. It’s also available
under all vehicles insured with Farmers,
whether you’re the passenger or the driver
. Plus, this coverage is still available if you’re traveling with your car through Canada.  
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How to use Farmers roadside assistance program 

The simplest way to use Farmers roadside assistance program is by calling
This roadside assistance line is open 24/7. If you’d prefer not to speak to anyone over the phone, you can submit a roadside assistance request through the Farmers mobile app. 
The app provides you with real-time notifications, updates, and even displays a live progress map so you can track your dispatched help. 
You should be aware that roadside assistance isn’t applicable if you’ve gotten into a collision with another vehicle. Recovery towing is included as part of your
collision coverage
or the at-fault driver’s
property damage liability
. If you are at fault for the accident, you may have to pay for the tow yourself. 

How much does Farmers roadside assistance cost? 

Adding roadside assistance to your current Farmers auto insurance policy costs
$23 per year
, but keep in mind that you may have to pay extra for labor-intensive services, such as extra towing miles on a particularly long trip or a battery replacement that takes over an hour to complete. 
Farmers roadside insurance is fairly affordable compared to average industry costs for roadside insurance coverage. While
’s competitively-priced $14-per-year roadside assistance takes the cake for the most affordable plan, other insurance companies charge
an average of about $80 per year
—about four times as much as Farmers. Furthermore, AAA memberships start at $59.99 per year. 
Bottom line: Farmers roadside assistance is an affordable option that provides basic services. But is it worth it—and are you better off with
a AAA membership

Farmers roadside assistance vs. AAA

Farmers roadside assistance offers most of the services included in AAA’s basic plan, but there are a few significant differences between these two options. 
The most important difference is that
Farmers roadside assistance only covers vehicles that are covered by your auto insurance policy,
AAA covers any vehicle you’re driving or are a passenger of. 
AAA also
offers coverage beyond its basic plan
, such as the Plus and Premier plans, and offers benefits such as 100 miles of towing, free one-day rental cars, and free passport photos. Members even benefit from travel and hotel discounts. 
The biggest advantage of getting roadside assistance with Farmers instead of AAA is
. Farmers roadside assistance costs you much less than AAA’s, and you can manage your coverage under your insurance account, rather than balancing multiple accounts at once. 
“I would 11/10 recommend
. I was originally quoted $700+ for insurance for my new car, but by using Jerry I got my payments down to $320 a month. They also have a great support team ready to answer any questions!” —Tobias F. 


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