Best insurance companies for roadside assistance: customer reviews


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UPDATED: 2021-06-16T18:16:00.025Z
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A man in a green reflective vest fixes a flat tire on the side of the road.

What insurance company is the best for roadside assistance?

Roadside assistance can be a lifesaver in emergency situations, like if you get a flat tire, have a dead battery or if you run out of gas. Roadside assistance is often a 24/7 service that will usually tow your car a certain number of miles for free, and, depending on your coverage, may compensate you if your vehicle is damaged and you have to rent a car. It doesn't cover auto accident-related situations only emergency situations due to mechanical or electrical problems. Most of the largest car insurance companies offer roadside assistance when you purchase a policy, and some still sell it even if you don't have your insurance through them.

It is important to know as much as you can about the company that is providing your roadside assistance policy. A talk with a local insurance agent can help clear up any questions that you might have. Questions to consider asking include, "What does your emergency road service coverage include?" "Is this covered on my auto insurance policy or is it additional coverage?" "What is the average insurance rate cost for roadside assistance?" and "Do you have tiers of membership for roadside assistance?" Most roadside assistance policies cover a flat tire, delivery of gas, locksmith labor, and towing services.

We looked into what customers are saying in reviews about their companies' roadside assistance on Clearsurance to see which insurers have the best programs. Below is a look at the six-car insurance companies with at least 50 reviews on Clearsurance discussing their roadside assistance experience with the company and the average score of the reviews mentioning roadside assistance. Roadside assistance ratings and the number of reviews are updated through Sept. 6, 2018.

Insurance company Rating # of reviews
USAA 4.86 86
AAA 4.56 123
GEICO 4.49 383
Progressive 4.34 184
State Farm 4.33 123
Allstate 4.25 55

USAA Roadside Assistance

USAA partners with Agero, a roadside assistance company, to provide roadside assistance to its auto policyholders. USAA’s roadside assistance program covers its policyholders in the case of a flat tire, a lockout, or if their car runs out of gas and they need fuel delivered. The 24/7 service can be accessed through USAA's website or by calling Agero. USAA also offers a simple online form that allows customers to submit reimbursement claims if they had to pay for their roadside assistance out of pocket.

Many USAA policyholders who reviewed them on Clearsurance talked about the outstanding customer service they received, and the loyalty they have to USAA. One Clearsurance reviewer said, *“My husband and I have been USAA members for about 13 years now and they have been our only auto insurance carrier since we were married in 2004. During that time we have watched our premiums double despite having no accidents or auto claims… Despite the costs, we are very brand loyal to USAA because their customer service is unbeatable. I have needed to call on their roadside assistance 2-3 times over the past decade for a tow and they handled everything start to finish, including contacting a local company and having them come to my rescue… I know that every time I am behind the wheel that USAA has my back and that I am fully covered no matter what happens. That peace of mind is worth the price.”

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AAA Roadside Assistance

AAA stands out because it allows customers to purchase just its roadside assistance services, regardless of what car insurance company they have. AAA is one of only two companies on this list that allows customers to do so, with the other companies requiring their roadside assistance to be an add-on to auto insurance. AAA roadside assistance offers a range of services in its basic plan, including complimentary towing up to 5 miles, battery services, and fuel service delivery. AAA offers three levels of roadside assistance plans, all varying in coverage options. AAA policyholders also enjoy a variety of discounts and rewards at restaurants, hotels, and other places when they show their AAA cards.

Clearsurance users who reviewed their AAA roadside assistance experience had overall positive things to say about the service with many customers talking about how quickly the roadside assistance was available to help them.

One Clearsurance user said, “We're really glad to have AAA car insurance. One of the best perks is their roadside assistance. There's just something to be said for having AAA as a backup if your car breaks down and we know just who to call when that happens, and it is fast.”

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GEICO Emergency Roadside Assistance

GEICO provides roadside assistance as an optional add-on for those who have a car insurance policy with GEICO already. GEICO roadside assistance includes towing services, car lockout services (up to $100), labor to change a flat tire and jump starts for dead batteries. It’s typically a cheap addition to your car insurance policy — GEICO's website says it starts as $14 per year. One Clearsurance user said this about cost, “It's great, I enjoy the policy. I have used roadside assistance once before and even just using it once was a good decision to have added that to my policy. Even with that, it's the cheapest car insurance for me! And I've done several quotes for other companies.”

GEICO's roadside assistance is easily accessible through the company's mobile app. When requesting service from GEICO roadside assistance, users can quickly and easily request help via the app. The app already has your policy information on file and can locate you via GPS tracking. GEICO roadside assistance is available 24/7 to its policyholders.

GEICO’s roadside assistance is the most talked about roadside assistance program of any insurer on Clearsurance. One Clearsurance user said this of their positive experience using GEICO’s roadside assistance, “This is by far the best auto insurance I have ever had. Someone rear-ended me and they took care of everything. They met me at the auto repair shop and took care of every detail. My policy also includes roadside assistance. When my car broke down I just logged in and arranged a tow truck which arrived in less than 30 minutes. My favorite part about GEICO is the fair prices. I've never had a rate increase.”

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Progressive Roadside Assistance

Similar to GEICO, Progressive offers its 24/7 roadside assistance as an add-on coverage to its policyholders. Progressive’s roadside services, which are listed on its website, includes flat tire replacements, fuel delivery service and towing. The insurer also offers a service called ‘winching' where it'll pull your car out with cable or chain if you're stuck in sand, mud, snow, or water within 100 feet of a road.

Progressive’s roadside assistance is very affordable according to many Clearsurance reviews, and one Clearsurance user had this to say about their experience with Progressive roadside assistance, “I have two children, myself and my wife--and our four cars--insured by Progressive. Great company; offers discounts for good students, online bill payment, and loyalty. My favorite part, though, is the roadside assistance... great for lockouts, jumpstart, and even tows. I've used it more than once... they even send text messages when they're on their way with the name of the driver and ETA. I was able to drop AAA because I have them, and it gives me peace of mind with two young drivers on the road!”

While most of Progressive's roadside assistance reviews are positive, a few users complained about confusion or miscommunication when trying to use their roadside assistance service in emergency situations. One Clearsurance user said, “I have been a loyal Progressive customer for over 10 years I have been a loyal Progressive customer for over 10 years I have only had to use my roadside assistance twice. This past was the worst experience I have ever run into with them I'm sitting on the side of a busy freeway needing my car towed I had to call the company over 5 times they argued with me about the location that I was in I was on a North-South Freeway and they kept telling me I was on an East-West freeway I finally got a text message telling me that the tow truck would be there in about two and a half hours I ended up calling a tow truck and paying for it myself and the tow truck was in there and 30 minutes I canceled my Progressive Roadside Assistance truck that was supposed to come out I am filing a claim with them to get my money back because it cost me $120 to have my car towed 10 miles.”

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State Farm Emergency Roadside Service

State Farm’s roadside assistance is available to its car insurance policyholders as an add-on coverage. Its roadside assistance, referred to as State Farm Emergency Roadside Service (ERS), covers emergency situations like getting locked out of your car if you run out of gas and need a fuel delivery or a simple tire change. State Farm will also provide emergency roadside service to those who don't have roadside assistance coverage and will negotiate a competitive rate for its policyholders.

Many consumers on Clearsurance have talked about the helpfulness of State Farm’s roadside assistance. One Clearsurance user called State Farm a great company to deal with, and said this, “I came out the other morning to find a flat tire on my car. Needless to say I was not happy. But a quick phone call to the 800 number for roadside assistance had some dispatched to my house within minutes. Within the hour my car was back up and running on all 4 tires and the gentleman who came out even offered to help me find a decent used tire so I didn't have to drive on spare for long. Overall State Farm turned a bad day around.”

One reviewer did warn others that, although generally happy with State Farm, they had a long wait when trying to get roadside assistance service, saying, “I had to use State Farm a year or two ago for auto, and was covered for Roadside Assistance completely. Well, in the middle of nowhere, my car began to break down and I had to pull over to the snow area. I was sitting there for about 10 minutes calling everyone I know when I ended up calling State Farm. They said they could be over in 30 minutes. An hour later, they called and said they would NOT be coming over. I had to leave my car exactly where it was, and it was towed. Resulting a hefty fee. For some reason, they only [paid] for the tow, not the storage fee? This never had happened [previously] and I'm still left [with] no explanation as to why this happened. Overall State Farm provides a lovely service, but they aren't 100% foolproof and could work on some consistency. “

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Allstate Roadside Assistance

Allstate offers three different types of roadside assistance to drivers. One way is to add Allstate roadside assistance to your existing car insurance policy with Allstate. The next is to purchase a roadside assistance membership to the Allstate Motor Club, regardless of what car insurance company you have. Additionally, Allstate offers a pay-per-use program called Good Hands rescue, which you can call in your time of need even if you don't have Allstate roadside assistance and pay for that single-use.

Allstate’s roadside assistance covers towing, lockouts, jumpstart, and tire changes. The Allstate motor club also comes with perks like a concierge to make alternative travel plans if your car is undrivable, and a higher towing mileage limit. You can easily access Allstate roadside assistance through its mobile app or by calling its roadside assistance line.

Allstate roadside assistance customers talked about the great customer service and short wait times when reviewing their roadside assistance experiences, with one user saying, “We bought the roadside assistance to go along with our auto insurance and it has been worth every dime and then some! I was so relieved to remember that I could have my car towed when it broke down!! The next time I called, they were so helpful and understanding when I locked my keys in my car!”

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While roadside assistance often comes at an added cost, it's typically cheap when compared to having to call a third-party towing company in the event of a roadside emergency. Plus, knowing you have someone to call when the unexpected happens can provide important peace of mind, especially on long road trips. Have you had a roadside assistance experience with your insurance company?

It is important to understand what is and is not covered by your roadside assistance policy. Talk to your local insurance agent to clear up any confusion that you might have. Make sure you understand what the basic services are, and ask if you have to pay extra for the coverage.

Write a review to help other consumers learn from your experience.


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