Best Roadside Assistance Plans in 2025 (10 Standout Companies)

The best roadside assistance plans start at $70 per month, with AAA, Allstate, and Geico among the leading providers. AAA ranks at the top for 100-mile towing, DMV services, and exclusive hotel discounts.

Allstate includes lockout coverage up to $100 and emergency labor for tire changes. Geico offers mechanical first aid and fuel delivery without extra fees.

Our Top 10 Company Picks: Best Auto Insurance for Roadside Assistance Plans

AAA also provides identity theft monitoring, while Allstate includes personalized trip routing for members.

Geico further stands out with coverage that extends to rental cars during travel.

Enter your ZIP code to compare affordable roadside assistance plans bundled with top-rated auto insurance policies from providers in your area.

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#1 – AAA: Top Overall Pick

Pros

• 15% Bundling Discount: Policyholders save 15% when combining auto insurance with roadside assistance plans. See how coverage compares in our AAA auto insurance review.
• Classic Plan Benefits: All plans include 100-mile towing, trip planning, and DMV services.
• A-Rated Financial Backing: A.M. Best gives AAA an “A” rating, ensuring dependable claims funding and service response.

Cons

• No Online Claims for Roadside: AAA requires phone-based service requests instead of streamlined app-based claims for roadside assistance plans.
• Tier-Locked Features: Hotel discounts, identity protection, and extended tows are only available in Plus or Premier plans.

#2 – Allstate: Best for Claims Service

Pros

• 25% Multi-Policy Discount: Bundling Allstate auto and roadside assistance plans gives a 25% rate cut. See what drivers are saying in our Allstate auto insurance review.
• Trip Interruption Coverage: Allstate pays up to $1,500 for meals, lodging, and travel delays under Premium Roadside Assist.
• Road Hazard Add-On: Allstate offers optional tire protection with roadside assistance plans, covering flat repairs and replacement assistance.

Cons

• Limited Towing Radius: Basic roadside assistance plans only tow to the nearest facility, regardless of distance.
• App Functionality Gaps: Allstate’s app lacks real-time roadside tracking and request updates compared to competitors like Geico.

#3 – Geico: Best for Low-Cost Insurance

Pros

• 25% Auto Bundle Discount: Roadside assistance plans are 25% cheaper when bundled with Geico auto insurance.
• Fastest Dispatch Time: Geico’s average roadside assistance response time is under 30 minutes nationwide.
• Highest Financial Strength: A.M. Best Rating A++ ensures strong policyholder support and low service interruption risk.

Cons

• No Standalone Access: Drivers must purchase Geico auto insurance to unlock roadside assistance plans.
• 15-Mile Tow Cap: Coverage for towing is limited to 15 miles under standard roadside assistance plans. Compare features and pricing with our Geico auto insurance review.

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#4 – Nationwide: Best for Reliable Coverage

Pros

• 20% Discount With Auto Bundling: Customers save 20% on premiums when combining roadside and auto coverage.
• Roadside Emergency Coverage: Flat tire service, fuel delivery, battery jump-starts, and towing to the nearest repair facility are included.
• Tire Hazard Protection: Nationwide offers optional roadside coverage, including reimbursement for tire repairs and replacement due to road hazards.

Cons

• Full Coverage Requirement: Roadside assistance plans are available only with full coverage auto policies.
• ZIP Code-Based Limitations: Service features like locksmith help may vary by state or region. See how it compares in our in-depth Nationwide auto insurance review.

#5 – Progressive: Best for Coverage Options

Pros

• 10% Bundling Discount: Customers receive 10% off premiums when pairing roadside assistance plans with Progressive auto insurance.
• Emergency Coverage Details: Towing, fuel delivery (up to 2 gallons), battery jump, lockout service, and flat tire changes included.
• Mobile Claims Access: Progressive’s roadside assistance plans can be requested and tracked entirely through the Progressive mobile app.

Cons

• Tow Distance Restriction: All basic roadside assistance plans have a 15-mile towing limit unless upgraded. Explore service features and claims support in our Progressive auto insurance review.
• Excludes Off-Road Winching: Standard roadside coverage does not cover winching vehicles off paved roads.

#6 – State Farm: Best for Customer Service

Pros

• 17% Auto and Roadside Discount: Bundling State Farm’s auto and roadside assistance plan qualifies customers for a 17% premium reduction.
• Covered Services: Towing to the nearest repair shop, up to 1 hour of mechanical labor, battery jump-start, and flat tire changes.
• Real-Time Service Requests: Roadside assistance requests can be submitted directly through the State Farm mobile app with GPS tracking.

Cons

• No Legal or Trip Protection: Roadside assistance plans exclude trip interruption, legal aid, or hotel coverage. Find full roadside details in our State Farm auto insurance review.
• Limited Coverage Structure: Only essential roadside services are included; travel perks and concierge tools are absent.

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#7 – Farmers: Best for Custom Options

Pros

• 20% Discount on Auto-Roadside Bundles: Farmers rewards bundled policyholders with a 20% premium cut.
• Lockout Reimbursement: Roadside assistance plans cover locksmith services up to $150 per incident.
• Rental Car Benefit: Certain Farmers roadside assistance plans include rental car reimbursement when your vehicle is disabled.

Cons

• Service Call Limits: Roadside assistance plans restrict usage to three claims per 6-month term.
• No Travel Benefits: Missing features like trip interruption, identity protection, or hotel discount coverage. Get a full coverage breakdown in our Farmers auto insurance review.

#8 – Liberty Mutual: Best for Extensive Coverage

Pros

• 25% Savings When Bundled: Combining auto and roadside assistance plans results in a 25% rate reduction. See what sets it apart in the Liberty Mutual auto insurance review.
• Specialized Coverage Add-Ons: Liberty Mutual offers optional roadside coverage for trailers and motorcycles that are not typically included in standard plans.
• Roadside Claim Integration: Liberty Mutual allows roadside assistance claims to be filed directly through its mobile app for faster response.

Cons

• Auto Policy Required: Roadside assistance plans can only be purchased as an add-on to Liberty Mutual auto policies.
• Basic Plan Limits: Entry-level plans lack legal expense protection and rental car reimbursement features.

#9 – USAA: Best for Military Families

Pros

• 10% Military Bundle Discount: Roadside assistance plans are 10% cheaper when added to a USAA auto policy. Explore roadside features and discounts in our USAA auto insurance review.
• Included Roadside Services: Battery jumps, towing, gas delivery, and lockout services, even on military bases.
• Mobile-Friendly Access: USAA roadside assistance requests can be submitted and tracked directly through the USAA app with real-time updates.

Cons

• Restricted Membership: Only military personnel, veterans, and their families qualify for roadside assistance plans.
• No Civilian Extras: Plans do not include travel discounts, concierge tools, or roadside support during leisure travel.

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#10 – Travelers: Best for Comprehensive Plans

Pros

• 13% Combined Coverage Discount: Travelers offers a 13% discount on premiums for bundling auto and roadside assistance plans.
• Included Services: Locksmith services, jump-starts, towing, tire changes, and emergency travel support.
• Dedicated Roadside Hotline: Travelers provides a 24/7 roadside assistance hotline separate from claims to streamline urgent requests.

Cons

• App Usability Drawback: Travelers’ mobile platform offers limited functionality for roadside requests.
• Incident Caps: Roadside assistance plans to restrict usage to four service calls annually before fees apply. Explore policy perks and pricing in the Travelers auto insurance review.

Monthly Costs Reflect Roadside Value and Service Depth

Monthly rates for the best roadside assistance plans range from $70 to $172, but what you pay directly affects what you get. Geico offers the lowest entry point at $70, covering basics like towing and jump-starts—ideal for drivers who want simple, dependable help without extra perks. Geico insurance roadside assistance is a solid choice for budget-conscious drivers looking for reliable, no-frills coverage that includes essential services.

Roadside Assistance Auto Insurance Monthly Rates by Provider & Coverage

USAA’s rates are nearly as low, offering great value for military families who qualify. On the other hand, Allstate charges more but backs it up with benefits like trip interruption and legal support. Liberty Mutual’s higher full coverage rate reflects its wider options, including coverage for trailers and motorcycles.

AAA is priced above average but offers DMV services, hotel discounts, and long-distance towing, making it worth it for frequent travelers. These monthly roadside assistance plans give drivers the flexibility to choose a provider that matches their driving habits without committing to a large annual payment.

Choosing the right provider depends on how much roadside help you expect to need and whether added travel perks justify a higher rate. It’s also a smart move to compare auto insurance rates alongside roadside benefits to ensure you’re getting the best overall value.

Best Combined Discount Structures for Roadside Plans

Auto insurance discounts can really help lower what you end up paying for roadside assistance. Nationwide offers a standout 40% discount through its usage-based program, which rewards safe, low-mileage driving. USAA provides the most generous military savings at 30%, making it a solid option for service members who already benefit from competitive base rates.

Auto Insurance Discounts From the Top Providers for Roadside Assistance Plans

If you’re bundling policies, Allstate and Geico each offer 25% off when you combine roadside assistance with auto insurance, which helps stretch your monthly budget. Progressive takes a different approach by offering drivers an average of $231 in annual savings through its Snapshot program, which tracks and rewards good driving behavior.

Green vehicle owners also benefit—Travelers, USAA, and Nationwide each offer up to 10% in eco-friendly car discounts. Farmers and Liberty Mutual hold steady with strong bundling and military discounts while maintaining up to 30% off through usage-based insurance programs, adding value to their roadside assistance plans without inflating premiums.

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Roadside Assistance Explained

What is roadside assistance? Roadside assistance helps drivers when their vehicle breaks down. The service will typically provide fuel, change a flat tire, jump a dead battery, or tow the vehicle to a repair shop if the fix isn’t simple. However, there are other roadside assistance services they may provide as well, such as unlocking a car or winching a vehicle out of snow or mud.

Roadside assistance also helps reduce your breakdown costs, as services are included in your annual fee. While the amount of roadside assistance coverage depends on what level of service you purchase, services are free as long as they are under your coverage.

So, if you have a car prone to breakdowns, roadside assistance can more than pay itself off after a year. For example, while tows are expensive, a tow may be free of charge under your roadside assistance coverage, saving you a few hundred dollars. This can help significantly reduce your car breakdown costs over time.

Many drivers explore auto insurance companies for roadside assistance, as some providers include or offer it as an optional add-on—giving you extra peace of mind without needing a separate service provider. Since what roadside assistance covers isn’t always clear, read on for the basics of which types of breakdowns and mishaps roadside assistance will help with.

What Roadside Assistance Covers

While coverage varies by provider and plan level, most roadside service plans include the following core services:

• Fuel Delivery: A driver brings gas to your location when you run out. Some plans include the fuel cost, while others don’t.
• Jump-Start Service: If your battery dies, a technician can restart your vehicle on the spot.
• Lockout Help: If your keys are locked inside, a pro will unlock your car or call a locksmith.
• Flat Tire Change: A roadside tech installs your spare so you can safely drive to a repair shop.
• Towing Service: If your car can’t be fixed on-site, it’s towed to the nearest repair facility within a mileage limit. Some towing plans offer 15-mile limits, while others—like AAA Plus—cover up to 100 miles.

Additional services may include winching if your vehicle is stuck in mud, snow, or a ditch, and transportation assistance to help you reach your destination if your car becomes inoperable. Some roadside assistance plans also offer discounts on travel, entertainment, and partner services, adding extra value beyond breakdown help.

Roadside assistance is usually available around the clock, so help’s there whenever you need it. Just keep in mind that response times can vary depending on where you are and how close a service provider is.

Learn more: Do you need auto insurance to be towed?

What Roadside Assistance Doesn’t Cover

Roadside assistance is great for handling common breakdowns, but it doesn’t cover everything. Most plans come with limits on how far they’ll tow your car, how often you can use the service, and what they’ll pay for. Knowing these limits can save you from surprise charges later on.

For example, many plans offer free towing, but only up to a certain number of miles, usually between 15 and 100. Anything beyond that can come with a per-mile fee. Some providers also limit how many times you can use roadside help yearly. If your plan only includes two or three calls and you go over, you’ll have to pay out of pocket.

Also, the service itself is covered, but not the parts. So, if you get a flat and don’t have a good spare, you’ll still need to pay for a new tire. The same goes for gas or a new battery—they’ll help deliver it or get you started, but the cost is yours to cover. These costs can add up, especially for low-mileage drivers, which is why pairing roadside assistance with pay-per-mile insurance might offer better long-term value.

A few common limitations to expect:

• Towing covers a set number of miles per call
• Service calls may be capped per year, especially with basic plans
• You’ll pay for replacement items, like fuel, batteries, or new tires

Being aware of what’s not included helps you pick the right plan—and avoid added stress when dealing with car trouble.

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Where to Get Roadside Assistance

Many people wonder if their auto insurance covers roadside assistance, but roadside assistance is only available as an add-on with some insurance companies. While a car insurance company is often the popular choice to purchase plans from, such as State Farm roadside assistance or Geico roadside assistance, there are other places to get roadside assistance.

Options like Geico roadside help are especially appealing for drivers looking for affordable, essential coverage without unnecessary extras. When shopping around for a roadside assistance plan, consider the cost and what extra features and services are offered.

It’s also helpful to understand the types of auto insurance you already have, as roadside assistance is often bundled with full coverage or higher-tier policies. We’ve outlined where you can find roadside assistance, from your auto insurance company to credit card companies, so you can decide which type of plan and provider is right for you.

Membership Organizations That Offer Roadside Assistance

Some common membership organizations you may have heard of include AAA roadside assistance and Better World Club. If your insurance provider doesn’t offer roadside assistance, choosing a membership organization is usually the second most popular option.

While joining a membership organization is more expensive than adding roadside assistance to your car insurance plan, there is often a wider range of services offered. While insurance companies may not offer winching or locksmith services, a membership usually offers all of these in addition to the basics of roadside assistance, such as gas delivery and jumpstarts.

In addition, membership organizations often offer numerous perks and discounts. If customers take advantage of these perks and discounts on everything from plane tickets to movie tickets, the price is higher tickets will.

See more: Best AAA Auto Insurance Discounts

Car Manufacturers That Offer Roadside Assistance

A lesser-known option is roadside assistance plans through your car’s manufacturer. A few car manufacturers will throw in roadside assistance as a perk when you purchase a new vehicle from them.

Car Manufacturers That Offer Roadside Assistance Plans

The free roadside assistance is often limited to within a few years of purchase, but you may receive other benefits like free oil changes for the duration of your car’s life. While it’s not always the cheapest roadside assistance in the long run, it can offer great short-term value, especially if bundled with other maintenance perks during the vehicle’s warranty period.

GM also makes the most of its OnStar technology by using its telematics for the usage-based insurance option of its OnStar Insurance. See our GM auto insurance review for more.

What to Do Without Roadside Assistance

If you don’t have roadside assistance and your car breaks down, don’t panic. If the issue is something simple like a dead battery or an empty gas tank, a friend or family member may be able to help you out.

If it’s more serious, you can call a towing company or local mechanic to check your car and tow it if needed. Without a roadside assistance plan, expect to pay around $100 for the service. That’s why many drivers choose to get coverage through one of the best auto insurance companies, where roadside help is often available as an affordable add-on.

Before signing up, it’s a good idea to explore roadside assistance comparisons to see which plan gives you the best value for your driving needs. When getting help without roadside assistance, ensure you don’t fall prey to common tow truck scams. Unsolicited tow truck drivers will try to tow your car and charge you an astronomical amount.

If a tow truck driver shows up whom you haven’t called, don’t accept their services. You should always get a copy of the estimated charges for your tow before a tow truck company takes your car. Watch out for unnecessary costs or high prices.

Roadside Assistance Plans That Work for Your Budget

Roadside assistance programs aren’t for everyone, but they can be a smart move if you drive long distances, own an older car, or often find yourself in areas where a breakdown could leave you stranded. Without a plan, a single tow can cost $100 or more, sometimes much higher, depending on how far you need to go. That’s why having coverage from one of the best roadside assistance plans can quickly pay for itself.

The easiest and often most affordable way to get roadside coverage is by adding it to your auto insurance policy. Many of the cheapest auto insurance companies, such as Geico, Progressive, and State Farm, offer roadside assistance as a low-cost add-on, sometimes for as little as $10 to $20 per year. These roadside assistance packages usually include services like towing, fuel delivery, battery jumps, and lockout help.

You can also look into membership options like AAA, which cost more but include perks like 100-mile towing, travel discounts, and DMV services. Some car manufacturers even include roadside help for a few years when you buy a new or certified pre-owned vehicle.

If you’re comparing options, be sure to look at both the price and what’s actually included in the plan. Use our free comparison tool to compare roadside assistance plans side by side and find the one that best fits your needs and budget.

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