How Much Does State Farm Reimburse For Towing?

How much State Farm reimburses depends on the location and how far you want to be towed. State Farm’s roadside assistance policy states that State Farm will pay for your tow to the nearest repair facility regardless of the distance.

However, they will only pay for towing what it would cost to tow your vehicle to the nearest repair facility. So if you want your vehicle to be towed to a preferred place or your preferred mechanic, you may have to pay extra.

If you contact State Farm directly for assistance, they will dispatch a service provider to take care of the service needed. In that case, you will not incur the cost up-front, as State Farm will be billed directly by the service provider. If you don’t have State Farm’s roadside assistance coverage, the company will still dispatch a service provider to assist you, but you will have to pay for services out of your pocket.

What’s State Farm’s Emergency Roadside Service?

State Farm's 24-hour roadside service typically covers the following:

• Towing your vehicle to the nearest repair facility if your car is on a public road and is not drivable.
• Delivery of gas, oil, battery or tires, and other accessories required to make your car drivable. Note that only the delivery of the required accessories is covered, so you will incur out-of-pocket expenses for any accessories used.
• Up to 1 hour of paid locksmith service if your car key is lost, stolen, or locked inside the vehicle.
• Up to 1 hour of paid mechanical labor at the breakdown site. Services covered include replacement of the battery, fixing electrical problems, transmission issues, fluid leakages, and other mechanical issues.

Again, it is worth noting that State Farm will not pay for labor costs beyond the first hour. Anytime beyond the first hour will be out-of-pocket expenses.

How Much Does State Farm’s Roadside Service Cost?

Several factors determine the cost of State Farm’s roadside assistance coverage. However, you can expect to pay about $48 per year. If you already have insurance with State Farm, then you can opt for roadside coverage as an add-on to your policy. However, if you don’t, you will be required to switch your entire auto insurance policy to State Farm to access their roadside coverage.

How Do You Request State Farm’s Roadside Assistance?

Depending on which one will be easier, you can contact State Farm through a toll-free number at 877-627-5757. Alternatively, you can request assistance online through their website or mobile app. 

Here are a few things State Farm recommends that you remember when your vehicle breaks down.

• Call 911 immediately if you’re in a dangerous area, or someone is injured.
• Maintain a safe distance from your vehicle if it’s leaking fluids.
• Keep your phone close and in working condition so that either State Farm or their roadside partners can know your status and make yourself available if they want to reach you.

Should You Get An Emergency Roadside Assistance Coverage?

No car is immune to problems like flat tires, dead batteries, fuel shortages, or lost or stolen keys. Having roadside assistance coverage will help you get back on the road as soon as possible should you encounter such problems, and you can be reimbursed for some of the costs you incur from vehicle breakdowns.

Depending on your coverage, other benefits you can have include:

• Trip interruption coverage which you get reimbursed for certain lodging and traveling expenses if your vehicle breaks down during a road trip.
• Legal defense reimbursement, which you will be reimbursed for your legal expenses should you need an attorney to defend you due to a traffic violation.
• Guaranteed arrest bond where your insurer will pay the fines up to a specific limit should you be charged with a traffic violation.

With that being said, roadside assistance coverage may not be for everyone. You should consider getting a roadside assistance plan if you:

• Own an older car
• Make longer daily commutes
• Go on frequent road trips
• Find it challenging to fix mechanical issues, such as changing a flat tire
• Don’t want to incur the extra costs that come with emergency services
• Want to avoid the inconveniences of finding an emergency service during a vehicle breakdown

Even though emergency roadside assistance offers several benefits, it is vital to check with your insurer to know what’s included in your plan and the limits involved.

Can You Use Your Roadside Assistance Coverage For Someone Else?

Roadside assistance plans are vehicle specific. It means they apply only to your vehicle and cannot be extended to cover someone else’s car. So if you’re driving another person’s car or driving with them, and their car breaks down, they may not be able to use your roadside assistance benefits.

Summary

State Farm will reimburse you for what it will cost to tow your vehicle to the nearest repair facility. Even so, you may only be reimbursed for towing at this point.

In addition to towing services, State Farm provides up to 1 hour of paid labor, locksmith services, and free delivery of accessories should your vehicle run into trouble down the road.

That said, consider your needs and what State Farm offers in their roadside assistance coverage to see if it's right for you.

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