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

  • Towing through roadside assistance with USAA can take 60 to 90 minutes to arrive
  • Roadside assistance with USAA costs anywhere from $12 to $20 annually and includes a wide variety of services
  • Drivers insured with USAA without roadside assistance coverage can still receive roadside services and negotiate the out-of-pocket costs they are liable for

Knowing which roadside assistance coverage is the best for you can be difficult. Fortunately, roadside assistance in your area and budget are available with many different car insurance companies. USAA offers ideal rates for auto, home, and pet insurance coverage for military members and their dependents. USAA offers several kinds of coverage, including a very inexpensive roadside assistance package that can help you out in the event of a roadside emergency.

USAA is an ideal provider for military members and their families. Not only does USAA offer affordable, discounted prices, but they also have 24/7 customer support and a mobile app for easy access. With a wide range of roadside assistance services available, USAA is perfect for eligible military members.

Many car insurance companies may provide discounts for bundling services, and USAA is no exception. Consider using your ZIP code in our free car insurance comparison tool to see which car insurance company is the best fit for you.

What is covered under roadside assistance with USAA?

Roadside assistance with USAA covers all of the following:

  • Towing services for broken-down vehicles
  • Tire changing services, if you have an appropriate spare
  • Fuel delivery
  • Jump-starts to your battery
  • Lockout services
  • Winching to pull a stuck vehicle out of mud or snow

With roadside assistance coverage, USAA members will not be charged for any of these services upon receiving them. The only charge with roadside assistance via USAA is the cost of fuel that has been delivered to you. Additionally, USAA will reimburse you for any roadside service costs you may have paid for while being covered by their roadside assistance program.

However, you may want to be careful if your car is notoriously unreliable. USAA will not increase your insurance coverage for uncommon emergencies and roadside services rendered. But if your vehicle requires too many claims, you may see your insurance premiums rise as the need for roadside assistance might indicate an unreliable car.

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How does USAA compare to other roadside assistance programs?

When you compare USAA with the other top insurance companies, USAA offers the best roadside services for the lowest annual cost. Like USAA, Progressive and GEICO have roadside assistance coverage for low annual rates, but they have much shorter towing distances and will not winch a vehicle out of mud, sand, or snow.

Roadside assistance with Progressive will have your car towed to the nearest repair facility or up to 15 miles. The cost for roadside assistance with Progressive depends on many factors. like accident history and traffic violations, but generally costs $15 to $30 per year.

Similarly, GEICO will only tow your vehicle 20 miles or bring it to the nearest certified repair location. Roadside assistance with GEICO is $14 annually per car. While inexpensive, GEICO does not offer as many services as USAA. Additionally, GEICO will not tow your vehicle as far as USAA will.

These added services make roadside assistance with USAA a clear choice.

What distance will USAA tow a car with roadside assistance?

USAA towing distance stands apart from other towing services because USAA offers towing services for a larger distance than any other insurance company. USAA will tow a broken-down vehicle up to 50 miles, whereas most other insurance companies will only bring a broken-down car about 25 miles.

You may have your vehicle towed more than 50 miles, but you will be liable for the extra mileage the towing service provides.

In some cases, USAA will tow your vehicle to the nearest repair shop for assistance with specific issues they may not be able to assist with on the spot. USAA will also tow your car after an auto accident. However, the first step after an car accident is to file an auto claim with them. While discussing the details of the incident with the claims department, you may request assistance with getting your car towed.

Be advised, however, that car insurance premiums can increase after a car accident.

What can you expect when using Roadside Assistance with USAA?

The process for getting roadside services is simple. You can either call or use the free mobile app to input a request for assistance. The mobile app is easy to use and gives you plenty of space to describe your needs, current location, and desired destination.

Here is a what you can expect once you request assistance:

  • The whole process of requesting assistance via the USAA mobile app can take less than five minutes and have a service provider inbound in less than ten minutes. Or you may also call a USAA representative to input a request for help, but this method may take longer, and you may end up waiting longer to speak to a live person.
  • From there, a provider will be alerted to your location within several minutes. Within 60 to 90 minutes, your help will arrive and assist in any issues you may be having. 
  • Furthermore, service for your vehicle typically takes 60 minutes. This amount of time for waiting and service is standard in roadside assistance.
  • A USAA representative will follow up to ensure that you received the best possible experience with your roadside service and help you with any inquiries or trouble you may have. This follow-up call is a perfect opportunity to bring up any reimbursements that must be filed or questions about services rendered.

Roadside assistance with USAA is also incredibly versatile. Not only are customer service representatives available 24/7, but they are also available on holidays. USAA is never closed, and is always ready to help USAA members with their roadside needs.

Additionally, USAA is a nationally operating company, including coverage in Puerto Rico and the Virgin Islands. International coverage with USAA is available in Germany, England, and Italy for members in those areas.

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Roadside Services Are Available for All USAA Members

USAA members who do not have a roadside assistance policy are welcome to use roadside services. These services will be much cheaper than reaching out to local roadside assistance companies. However, members without roadside assistance packages will have to pay for the costs of any services rendered.

Whether lockout services, fuel delivery, or towing is needed, the USAA member will have to pay for the amount. Fortunately, a USAA representative can negotiate the cost of services with you.

While this may cost USAA members some money, it will be less expensive than other services. Most car insurance companies will not offer any roadside services through their providers if a driver has not paid for a roadside assistance policy.

Roadside Assistance Can Be a Lifesaver

With USAA, roadside assistance is available in a pinch. With the USAA mobile app, drivers can request towing services, a battery jump-start, fuel delivery, and lockout services. USAA is a titan of the insurance industry for military members and their families. Drivers who use roadside assistance with USAA can rest assured that all roadside emergencies will have a clear resolution.

Additionally, you will be able to use roadside services with USAA even if you have not purchased roadside assistance coverage with them. While it may still cost you to get your vehicle towed, receive fuel delivery, or receive lockout services, it will likely be less expensive than using third-party services.

With a yearly cost of less than $20, roadside assistance with USAA is worth the price and pays for itself in an emergency.

Use your ZIP code in our free car insurance comparison tool to view your best estimates for roadside assistance, liability, and comprehensive coverage among the top insurance companies on the market.