Your Guide to GEICO Roadside Assistance

GEICO offers roadside assistance for around $14 a year, but the coverage pales in comparison with what AAA’s plan covers.
Written by Kornelia Drianovski
Edited by Jessica Barrett
Reviewed by Brice Regling
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GEICO offers Emergency Roadside Service (ERS) as an add-on to your
car insurance
policy for $14 per car per year. To get a quote, call (800) 424-3426 or log in to your online GEICO account.

Here’s what GEICO roadside assistance covers

GEICO offers one level of emergency roadside assistance—also called
towing and labor coverage
—as an add-on to your car insurance policy. Here’s a list of what will be covered:
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Towing: This service will get your car to the nearest repair shop.
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Battery jump starts:
If you have a dead battery
, roadside assistance will be there to give you a boost! Note that GEICO doesn’t offer battery charging for electric vehicles (EVs).
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Tire changes: If you get a
flat tire
, GEICO will change it for you as long as you have a functioning spare.
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Lockout services:
Keys locked in your car
? No problem! GEICO will cover up to $100 of locksmith services.
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Winching: If your vehicle gets stuck on or immediately next to a publicly maintained roadway, roadside assistance will help pull you free.
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Fuel delivery: If you run out of gas, roadside assistance will provide enough fuel to get you on your way.
GEICO policyholders can add roadside assistance coverage to their existing
comprehensive insurance
(i.e. full coverage insurance) plan. 
Unlike other providers, you’ll have to pay the annual rate per car—not per policy. So if you and your partner and teenager all have vehicles on the same plan, you’ll have to pay for roadside assistance for three cars.

How to get service from GEICO roadside assistance

You should expect GEICO roadside assistance to arrive within an hour. There are multiple ways to request the service:
  • Use the
    mobile app
    : The app can connect you with 24/7 towing services and takes less than two minutes to use. There’s also a tracker to let you know how close your tow truck is and a GPS locator so that roadside assistance knows exactly where to find you.
  • Call: GEICO’s 24/7 roadside assistance phone number is 1 (800) 424-3426. 
If for some reason you cannot contact GEICO through the app or by phone, you can claim reimbursement for using a local tow service—as long as you already have roadside assistance on your plan.
Keep in mind: If you’re in a car accident, your tow will generally be covered through your collision insurance or the at-fault driver’s
liability coverage
—not your roadside assistance.
app screenshot
If you ever need emergency roadside assistance, you’ll need to have easy access to important documents related to your roadside membership.
With
Jerry
, you can upload and access important info—such as your roadside assistance files, photos, service receipts, and expense receipts—right into the app, ensuring they’re readily available when you need to call for help.

GEICO roadside assistance costs around $14

GEICO offers roadside assistance as an add-on to your insurance policy for around $14 a year per vehicle. You’ll see a slight increase in your premium once you opt for roadside assistance. 
If you have a multi-vehicle policy, be prepared to pay the annual rate for each car on your GEICO policy. Even though GEICO’s roadside assistance is affordable, it doesn’t have as many services or perks as an auto club membership. 

GEICO roadside assistance vs. AAA: How does it stack up?

Wen you think of roadside assistance,
AAA
will likely come to mind. Joining AAA for roadside assistance will give you access to towing and labor services, as well as discounts with businesses and other perks. 
Here are some of the main differences between GEICO and AAA roadside assistance:
iconGEICO
Has one of the lowest rates for roadside assistance
Provides one level of coverage that is available as an add-on to your policy
iconAAA
Starts at $59.99 and other providers charge as much as $150 a year
Offers travel and hotel discounts, plus up to 200 miles of towing, free one-day car rentals, and free passport photos, depending on your tier
The verdict? It’s usually cheaper and more convenient to have your roadside assistance through your insurance company, but you’ll forgo the bonuses that come with an auto club membership.

Is GEICO roadside assistance worth it? 

If you’re a frequent traveler or drive long distances, GEICO’s roadside assistance could be a valuable addition to your current GEICO policy and provide you with peace of mind.

FAQs

What does GEICO roadside assistance cover? 

GEICO roadside assistance covers towing to the nearest repair facility, battery jump starts, tire changes (if you have a spare), lockout services (up to $100), winching your vehicle if it’s stuck on a publicly maintained roadway, and fuel delivery.

How much is GEICO roadside assistance?

GEICO roadside assistance costs $14 per year per car.

How does GEICO roadside assistance work?

If your car breaks down or you run out of fuel, you can request help via the GEICO
mobile app
. There’s also a tracker to show you how close your tow truck is and a GPS locator so that roadside assistance knows your location. Alternatively, you can also call GEICO’s 24/7 roadside assistance phone number at 1 (800) 424-3426. 

How long does GEICO roadside assistance take?

GEICO roadside assistance services should take around 60 minutes to arrive on site.

What's the 1 800 number to GEICO?

The phone number is 1 (800) 424-3426. 

Can you call AAA for roadside assistance?

If you’re an AAA member, you can call them 24 hours a day, seven days a week in any car. The phone number is 1 (800) 222-4357.

Does GEICO have a customer service chat?

Yes, GEICO has a
customer service chat
.

How can I check my claim status for GEICO?

To check your claim status at GEICO, you can use the GEICO mobile app. Alternatively, you can also visit the GEICO “Claims Express'' page. Make sure to have your claim number ready. 

Do GEICO roadside assistance agents have a tow truck?

GEICO does not have their own tow trucks; instead, they have contracts with tow providers. When you need roadside assistance, GEICO ERS agents facilitate the process by calling their contracted providers.

When and how do I get a refund from GEICO?

If you end up calling another towing company but have GEICO roadside assistance on your policy, you can get your money back from GEICO by
submitting a claim for reimbursement
. Submit the original copy of the road service bill and GEICO will reimburse you based on your coverage limits.

Does GEICO offer roadside assistance to motorcycles?

GEICO's roadside assistance covers cars, trucks, and other standard vehicles. That said, you can purchase extra roadside coverage for motorcycles, boats, and RVs separately.

Does using GEICO roadside assistance count as a claim?

GEICO’s roadside assistance is an add-on to your policy so it will generate a claim number, but it’s classified as an ERS-only claim. It’s unlikely that your premiums will be much affected by using roadside assistance but it’s best to talk to a GEICO agent if you’re concerned about this.

Do I need to be a GEICO customer to use their roadside assistance?

Yes, you have to have a car GEICO auto insurance policy with GEICO to add roadside assistance coverage to your plan.

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