If you have State farm auto insurance and if your insurance includes Roadside Assistance coverage then your auto insurance will cover towing. If your vehicle breaks down or becomes disabled in the middle of a road then your Stat Farm auto insurance will provide a reasonable, and emergency services including towing to the nearest repair shop if the vehicle is not drivable. Moreover, State Farm will also provide towing if your vehicle is stuck on or next to a public road.
What is Towing?
Towing is a method that is used to pull a broke vehicle behind another vehicle. The vehicle that pulls the other vehicle is called a tow vehicle and the vehicle which is being pulled is known as a trailer or dinghy. Some common types of towing are recovery towing, trailer towing and dinghy towing. State Farm Roadside Assistance includes one tow for up to 200 miles and up to three tows for 100 miles each. You have to pay $150 for a vehicle lockout service, up to $100 for a home lockout service. Moreover, you can avail a free one-day car rental with qualifying non-collision tow and car travel interruption for up to $1,500.
Average Towing Costs of a Vehicle
Usually, the total towing cost depends on how far a vehicle needs to be towed. In the USA, the average towing cost is around $109 but you should understand that the actual towing cost will vary and you might have to pay between $2.50 and $7.00 per mile. Below is an estimate for a tow truck per kilometer –
| Kilometers | Average Cost |
| Under 10km | $40 – $130 |
| 10 – 50km | $130 – $300 |
| 50 – 100km | $175 – $400 |
| Over 100km | $400 and up |
State Farm Reimburse for Towing
The Roadside Assistance policy of State Farm stated that it will pay for the tow to the nearest repair facility and the distance won’t matter hare. But, you should keep in mind that if you choose State farm then you won’t be able to take your vehicle to your preferred mechanic. On the other hand, if you take your vehicle to your preferred mechanic then you have to pay for the towing service out of your pocket. The total cost will vary depending on your location, how far you want to be towed, and other factors. So, it is wiser to use the State Farm towing service.
What is Included in State Farm Roadside Coverage?
Before including the Roadside Assistance in your insurance policy you should keep in mind that this coverage is only available in the USA and Canada. So, if you frequently visit outside of these two countries then the coverage won’t work. Usually, the State Farm Roadside Coverage includes the following benefits –
- Towing: If your vehicle needs towing then you can do it to your nearest gas station, or auto repair shop
- Flat Tire Service: If your tire goes flat then you can easily get your tire inflated or changed on request
- Emergency Fuel Delivery: If you run out of fuel and are stuck in the middle of nowhere then you will get a fuel delivery. State farm will provide enough fuel that will get you to the nearest gas station.
- Car Battery Service: If your vehicle’s battery becomes dead while driving your car, then you can ask for an emergency battery replacement.
- Mechanical First-aid: If your vehicle is not running and you are not sure about the reason then you can ask for mechanical first-aid help from State Farm. Here, you are covered for a maximum of one hour.
- Locksmith Service: If you lock your car keys inside the car then locksmith service will be very handy for you. The State Farm Roadside Coverage will help you gain access inside your vehicle.
- Winching Services: If your vehicle is stuck in mud, snow, or a ditch then the winching service will get your vehicle out of the trouble.
How Many State Farm Tows Can You Get Per Year?
If you have State Farm Roadside Assistance then you can get an unlimited number of emergency roadside calls. But you should keep in mind that different states might have different rules. For example, California, Texas, and Florida don’t have any limit on the number of tows you can get. Therefore, you should ask your State Farm agent to know more about the Roadside Assistance coverage.
How to Get a Towing Coverage from State Farm?
In order to get towing coverage from State Farm, you have to include roadside assistance for a fee when you purchase auto insurance. Now follow the below steps to buy the coverage online –
- First, open a browser on your computer
- Now, go to the State Farm official website
- Now click on the “Get a quote” option on the home page
- Next select Auto
- After that enter your ZIP code
- Next, provide all the required information:
- Personal information
- Driving history
- Model of the car
- Making year of the car
- Nominated drivers, etc.
- Next, go to the policy add-on page and add Emergency Road Service/ Roadside Assistance to your policy
On the other hand, if you already have a State Farm auto insurance then you should contact your State Farm agent and tell her that you want Roadside Assistance included in your auto insurance. You can also call State Farm 24/7 at 877-627-5757 and ask the customer care agent to add Roadside Assistance coverage to your policy.
How to Use Roadside Assistance from State Farm?
There are many ways you can use Roadside Assistance from State Farm. You can call 877-627-5757 and ask for a Roadside Assistance service or you can use the State Farm app to avail of the Roadside Assistance service. Follow the below steps –
- First, open the State Farm app
- Next, log in to your State Farm account
- Next click Get Roadside Assistance from the available option
- Then from the available option, select the service that you need:
- Tow
- Jumpstart
- Flat Tire
- Gas/Oil
- Locksmith
- Stuck Car
- Other
- After that enter your location
- Then choose the driver and vehicle
- Add your Preferred Contact (if applicable)
- Finally, tap on the “Submit Request” to complete the process
FAQs about Does State Farm Cover Towing
What isn’t covered by State Farm towing?
Like any other insurance company State farm also put limits on its Roadside Assistance coverage. Some limits of State Farm towing are –
- You have to pay the total cost of towing outside State Farm’s limits
- You have to provide labor costs after the first hour including the mechanical and locksmith labor
- You have to pay for replacement items like tires, gas, and batteries
Does car insurance cover tow?
Usually, car insurance doesn’t cover towing because most car insurance is a liability-only policy. However, if your car insurance includes all the coverage then your car insurance will cover towing.
Can I use my roadside assistance for someone else?
No, you won’t be able to use your State Farm roadside assistance for someone else. However, if the person is driving your car that is covered under your State Farm roadside assistance policy then you will be able to use the roadside assistance coverage. You should keep in mind that State Farm’s roadside assistance follows the car, not the driver. So, it means you won’t be able to use the coverage for a car that is not listed on your policy.
Does State Farm cover tires?
Yes, State Farm covers flat tires if your auto insurance includes roadside assistance coverage. Apart from that roadside assistance also covers towing lockout services, delivery of gas, oil, or a battery, etc.