Farmers Roadside Assistance (2022)

Farmers Roadside Assistance is only around $2 a month and is available 24 hours a day. Services include towing, winching, changing a flat tire, and unlocking your car. However, drivers can only use Roadside Assistance from Farmers three times a year and must be in a vehicle listed on their policy. Consider adding Farmers Towing and Roadside Service coverage if you have an unreliable vehicle or travel often.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent Brad Larsen

UPDATED: Feb 24, 2022

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Things to Know

  • Farmers Insurance Roadside Assistance covers towing, winching, and locksmith services
  • Farmers Towing and Roadside Service coverage is around $2 a month
  • Consider adding roadside assistance if your car is unreliable or you can’t make minor repairs yourself

Being stranded on the side of the road is stressful, but you can have help on the way quickly with Farmers Roadside Assistance. Farmers offers service 24 hours a day for around $2 a month.

Although rates are low, the services covered are less than usual. In addition, you can only use Farmers Towing and Roadside Service if you are in a vehicle listed on your policy. So, for example, you won’t be covered if you borrow a friend’s car.

Farmers Insurance has been around for almost 100 years and provides many types of coverage, including car, homeowners, and renters insurance. To learn more about the company, read our Farmers car insurance review.

Most car insurance companies and car clubs offer roadside assistance. Since coverages and rates vary, shop around to find a program that fits your needs.

Keep reading to learn more about Farmers Roadside Assistance. Before you begin, enter your ZIP code to compare free car insurance quotes from companies in your area.

What is Farmers Roadside Assistance?

Chances are you will break down at some point if you drive a car often. The question is, what happens next.

Does auto insurance cover roadside assistance? Unfortunately, your standard car insurance doesn’t cover roadside assistance. You have to add the coverage to your policy.

Farmers Towing and Roadside Service is easy to add and use. Call Farmers’ customer service at 1-888-327-6335 to add coverage to your policy at any time.

If you have Roadside Assistance from Farmers and need service, there are three ways to request help. You can go online to the website, use the mobile app, or call 1-800-435-7764.

Farmers Roadside Assistance is only around $2 a month. For comparison, this table shows roadside assistance rates from other top insurance companies.

Roadside Assistance Car Insurance Rates
CompanyCost Per Month
Liberty Mutual$2-$10
The General$10-$11
Root$0
Farmers$2
Progressive$2
Allstate$2
State Farm$3
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Roadside Assistance from Farmers offers coverage 24 hours a day, so service is always available. However, your wait time will vary based on your location and the time you need service.

For example, if you are on a road trip for a busy holiday weekend, you may have a longer-than-usual wait time. How long you wait will also depend on how close you are to a service provider.

If you have a service provider you want to use, you can pay out of pocket and submit the costs to Farmers for reimbursement.

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What services are offered with Farmers Roadside Assistance?

Although you may have an idea of services offered by roadside assistance, every company is different. Additionally, not all coverages are provided by all companies.

Farmers Roadside Assistance includes:

  • Towing coverage. However, only up to $150 of towing costs are covered. While that should get you to the closest repair shop, it probably won’t get your vehicle home or to the shop of your choosing.
  • Battery jump-start. A service provider will come to jump-start your car if it doesn’t start. However, you will have to pay for a new battery if needed.
  • Flat-tire service. If you get a flat or blowout, your tire can be changed, but your coverage doesn’t pay for a new tire if yours has to be replaced or repaired.
  • Locksmith service. If you lock your keys in your car, Farmers will pay to get your door unlocked. However, you will have to pay to replace your keys if you lose them.
  • Winching. A service provider will pull your car out if you’re stuck in the mud, ice, or snow within 10 feet of a public road.

While those coverages are helpful, there are some things to consider.

First, Farmers only allows you to use Roadside Assistance three times a year. You will be responsible for any charges for more than three service calls.

In addition, your coverage only extends to vehicles listed on your policy. So, if you borrow a friend’s car, Farmers Roadside Assistance won’t help.

However, the coverage rates are low, so adding Roadside Service from Farmers isn’t costly and can help with minor issues.

If you’re trying to decide if Farmers Towing and Roadside Service program is right for you, consider your vehicle and personal characteristics.

Consider adding Farmers Roadside Assistance if:

  • Your vehicle is unreliable.
  • You have a long commute, take road trips often, or drive out of your local area.
  • You can’t make minor repairs yourself, such as changing a tire.
  • You lose your keys often.
  • You ignore your gas gauge.

If you have a new car, you may not need to add roadside assistance. According to Edmunds, new car warranties may already come with roadside assistance. So check your paperwork closely before adding coverage.

Remember, most insurance companies and car clubs offer roadside assistance, so be sure to compare rates and coverages to find your best option.

What should you do when you need roadside assistance?

If you spend much time behind the wheel, you’re going to have a problem with your car at some point. But, when issues arise, do you know what to do?

First, move to the side of the road as soon as possible. If there is a large shoulder or grass area, pull as far away from moving traffic as possible to avoid causing an accident. In addition, turn on your emergency flashers to make your car visible.

Next, figure out where you are. If you aren’t sure of your location, use GPS to determine your exact location. You will need to tell a service provider or police exactly where you are.

Then, call 911 or Roadside Assistance, depending on your situation. For example, if you can’t get out of the road, call 911 and let the police know. Then, call Roadside Assistance for a local service provider.

Finally, stay in your car. Standing on the side of the road puts yourself in danger from passing vehicles that may not be paying attention.

Farmers Roadside Assistance: The Bottom Line

Farmers Roadside Assistance is available 24/7 and is only around $2 a month. However, while towing, winching, and other services are provided, Farmers only allows three service calls per year on vehicles listed on your auto insurance policy.

Add Roadside Assistance from Farmers if your vehicle is unreliable or if you are unable to make minor repairs yourself.

Since other car insurance companies offer roadside assistance, consider comparing multiple companies to find the coverage and rates you need.

Now that you know about Farmers Roadside Assistance, it’s an excellent time to shop for auto insurance. Before you go, enter your ZIP code to compare car insurance quotes from companies near you for free.

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