Is State Farm Roadside Assistance Worth It?

Wondering how State Farm’s roadside assistance compares to competition like AAA? Let’s dig into the details and find out!
Written by Andrea Barrett
Reviewed by Kathleen Flear
State Farm policyholders can purchase roadside assistance as a policy add-on for as little as $25 per year. To access State Farm’s emergency roadside assistance services, contact a service provider at 1-877-627-5757 or request assistance online from your computer or mobile phone.
  • Roadside assistance coverage from State Farm is basic compared to offerings from other providers.
  • You can purchase roadside assistance for less than $30 per year.
  • Access State Farm’s roadside assistance coverage by phone or online.

What does State Farm roadside assistance cover?

State Farm’s roadside assistance will cover reasonable emergency services if your vehicle breaks down on the road. Here’s what is covered: 
  • Towing services: If your car breaks down on a public road and can’t be started or driven, State Farm will cover the towing costs to the nearest repair facility within 10+ miles. You may have to pay additional costs if you choose to have it towed to a specific location further than the allotted distance. 
  • Gas delivery: Whether you run out of gas or need another part to make your vehicle drivable, State Farm offers free delivery—but the cost of the fuel or parts is not covered. 
  • Locksmith services: One hour of locksmith services are covered under State Farm roadside assistance if the key to your vehicle is lost, stolen, or locked in the car. 
  • Mechanical labor: One hour of mechanical labor is covered for: 
Battery replacement
Electrical problems
Transmission issues
Fluid leaks (excluding fuel)
Other mechanical issues
State Farm’s roadside assistance coverage is an affordable policy add-on, which means you don’t have to have a
full-coverage insurance
policy to access the services. 
And even if you don’t have emergency roadside assistance coverage through State Farm, you can still utilize their services. You’ll pay for the required services at a competitive rate negotiated by State Farm—usually less than what’s available in the market. 
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How to use State Farm’s roadside assistance program

If you’re on the road and your car breaks down, the simplest way to use State Farm’s roadside assistance coverage is to contact a service provider at 1-877-627-5757. 
Alternatively, you can
request assistance online
from your computer or mobile phone. Just log on to State Farm’s website or mobile app and start your claim. When you contact emergency services, the provider will usually bill State Farm directly, so you don’t incur any upfront costs. However, depending on the required service, you may still be liable for out-of-pocket costs for tires, gas, batteries, and similar items.
Be mindful that State Farm’s roadside assistance doesn’t cover you in the event of an accident—that’s where having
comprehensive coverage
is needed. If you’re responsible for an at-fault accident and your car cannot be driven, tow costs will likely be out of pocket.

How much does State Farm roadside assistance cost?

Adding roadside assistance to your State Farm policy is surprisingly affordable—most policyholders pay around $15 for six months of access, but you could pay as little as $25 per year
Roadside assistance from State Farm doesn’t require a full coverage policy—it is a policy add-on accessible to all customers. 
Compared to roadside assistance, sometimes called
towing and labor coverage
, from other providers, State Farm is affordable at less than $30 per year.
offers slightly cheaper roadside assistance with costs as low as $14 per year, but depending on the insurance provider, it could exceed $100 per year. For example, AAA memberships start at $59.99 per year
Bottom line: State Farm’s roadside assistance coverage is fairly basic and limited compared to what competitors may offer, so if you want to maximize coverage in the event of a vehicle breakdown, it’s recommended to compare policies before you buy. 

State Farm roadside assistance vs. AAA

As we mentioned, State Farm’s roadside assistance coverage is basic, but it’s similar to the coverage offered in AAA’s Basic plan.
One of the significant benefits of State Farm’s roadside assistance coverage is that you don’t have to have roadside assistance coverage to benefit from the services. While you will have to pay out-of-pocket for the services you use, you'll pay a lower rate than you would if you didn’t go through State Farm. 
That said, if you add roadside assistance to your current policy, it will only cover vehicles listed on that—it doesn’t follow the driver, unlike some other roadside assistance plans.
Comparatively, AAA provides roadside assistance services to any vehicle you are a driver or passenger in. They also offer three types of coverage—AAA Plan A, B, or C—with varying degrees of coverage. AAA members also receive travel and hotel discounts, which is not an option with State Farm.
But the primary advantage of buying roadside assistance with State Farm is cost—it’s significantly cheaper than AAA, although you do compromise some services for savings. And because it’s a policy add-on, you don’t have to worry about having multiple memberships or monthly payments.  
blew my mind, honestly. From start to finish, using the app took me 10 minutes and I ended up with $100 of savings a month. Best of all, customer service answered all my questions about rental car reimbursement and roadside assistance.” —Savanna R. 
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State Farm doesn’t disclose if using their roadside assistance coverage counts towards your regular insurance claims, but in most cases, it shouldn’t affect your rate.
Yes—State Farm’s roadside assistance coverage is only available to State Farm policyholders, but you don’t have to have a roadside assistance policy to benefit from their services. You can still benefit from discounted rates, which can still result in some savings.
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