Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager Chris Harrigan

UPDATED: Apr 13, 2022

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Key Takeaways

  • Farmers offers roadside assistance to drivers with an existing Farmers insurance policy
  • Farmers roadside assistance costs $23 annually and includes coverage for most standard roadside services, including towing, fuel delivery, tire changes, battery jump-starts, and winching (where a stuck car is pulled back onto the road)
  • Farmers roadside assistance is a competitive roadside assistance option that offers a good amount of coverage for its price when compared to similar offerings from other insurance companies. Drivers willing to pay a higher annual rate for more comprehensive roadside assistance coverage — and additional perks — should compare Farmers to AAA before deciding the best option for them

Roadside assistance coverage can be a lifesaver if you ever find yourself stranded on the side of the road without fuel or with holes in your tires. But is it better to purchase roadside assistance from an insurance company like Farmers or an alternative such as AAA roadside assistance? If you’re a current Farmers customer, Farmers roadside assistance may be the best choice for you.

We want to help you find out everything you need to know about Farmers roadside assistance. We’ll look at what Farmers roadside assistance offers, the advantages and disadvantages of Farmers’ roadside services, and how it measures up to similar roadside assistance programs.

Looking for ways to save on car insurance? Enter your ZIP code in our free online tool to compare rates and find coverage that’s right for you.

What is Farmers roadside assistance?

Farmers roadside assistance coverage is available to any Farmers customer with a home or car insurance policy through the company. Farmers roadside assistance helps you pay for most standard services like towing or flat tire changes on the road. If you’re a current Farmers customer, Farmers roadside assistance may be the best roadside service plan for you.

When compared to similar services, Farmers offers more or less standard coverage. Again, if you’re already a Farmers customer, it may be an affordable option for saving on roadside assistance. Even if you are a Farmers customer, it’s worth comparing Farmers coverage in your area with other similar services like those offered by AAA.

What’s included with Farmers roadside assistance?

Farmers roadside assistance includes coverage for most services that you’ll find with standard roadside assistance programs:

  • Up to $150 in towing expenses
  • Up to two gallons of fuel delivery
  • Jump-starts
  • Changing flat tires
  • Lockout services if you lock keys in your car
  • Emergency winching

Farmers roadside assistance does not cover on-site mechanical adjustments, nor does it provide any sort of trip interruption coverage. So, if your car breaks down before you reach your travel destination, your hotel payment and other travel expenses will not be covered by your roadside assistance policy.

Farmers roadside assistance covers up to three service calls each year. You can sign up through the Farmers mobile app or on the company’s website.

How much does Farmers roadside assistance cost?

While it costs only $23 per year, Farmers towing and roadside assistance plan is only available as an add-on to an existing Farmers insurance policy. This is on the cheaper side as far as roadside assistance plans go, but keep in mind that only $150 of towing expenses are covered, and on-site mechanical adjustments aren’t covered at all.

Cost of Roadside Assistance Programs from Insurance Companies

Insurance companyCost of roadside assistance program (annual)Number of annual service calls
Esurance$123 - 6 (based on location)
USAA$12 - $15Varies based on policyholder
GEICO$14No limit (policy may be reviewed if service calls are frequent)
Nationwide (basic plan)$236
Progressive$233 - 6 (3 calls every six months)
State Farm$483
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How does Farmers roadside assistance compare to similar services?

Farmers roadside assistance helps pay for virtually all of the basic services you could end up needing in the event of an accident or flat tire on the road. For the competitive price of $23 per year for existing Farmers customers, this roadside assistance program is an option that anyone with Farmers insurance should consider.

In comparison to similar roadside assistance offerings from other car insurance companies, Farmers roadside assistance is an affordable option that provides a good range of services for its relatively low cost. That said, if you’re looking for roadside assistance that provides the widest range of coverage, AAA may be the best option for you.

Basic/Classic AAA memberships range from $40 to $74 annually, depending on your location. While this is more than Farmers’ service, AAA also includes perks like discounts on car rentals and member savings at numerous stores (online and in-person) across the United States.

According to Kelley Blue Book, Farmers car insurance ranks just above average in customer service based on a 2021 J.D. Power study. Farmers also received above-average ratings for their claim satisfaction in a separate J.D. Power study from the same year.

Whether Farmers or AAA is a better option for you boils down to how important perks are to you. If you would take advantage of the many discounts AAA provides members, one of their plans is your best choice. If you’d prefer more affordable roadside assistance coverage and are already a Farmers customer, Farmers’ program is the right pick.

What to Remember About Farmers Roadside Assistance

Farmers offers roadside assistance to drivers with existing Farmers policies for $23 annually, which includes towing, fuel delivery, tire changes, battery jump-starts, and winching. This plan is a competitive roadside assistance option that provides a great value for drivers looking for affordable roadside assistance that covers all standard services.

If you’re looking for a roadside assistance service that provides coverage for a greater range of services and/or perks for membership, compare AAA’s options to Farmers before deciding which is the best choice for you.

Whether you’re a current Farmers customer or are simply considering their coverage, taking the time to compare their rates to those of other insurance companies can give you a better idea of how much value you’re getting for the amount you spend. Looking for the best insurance coverage? Find out how much you could save on insurance by entering your ZIP code in our free online quote tool.