Imagine this: you’re driving home late at night, and suddenly your tire bursts. Or maybe your car battery dies when you’re far from home. In these stressful moments, having roadside assistance included in your car insurance can be a lifesaver.
In 2025, many insurance companies are offering car insurance policies with built-in roadside assistance or as an affordable add-on. This service ensures that you’re never stranded—help is just a phone call away.
In this post, we’ll cover the best car insurance providers with roadside assistance in 2025, what roadside assistance usually includes, and how to choose the right plan for your needs.
What is Roadside Assistance?
Roadside assistance is a support service for drivers when their car breaks down unexpectedly. Depending on the policy, it may include:
- Towing services – if your car can’t be fixed on the spot, it will be towed to the nearest repair shop.
- Flat tire change – professionals can replace your tire with your spare.
- Jump-start service – if your battery dies, they’ll get you back on the road.
- Fuel delivery – in case you run out of gas.
- Lockout service – if you accidentally lock your keys inside the car.
- Winching – pulling your car out if it’s stuck in mud, snow, or a ditch.
Having roadside assistance in your insurance plan gives peace of mind—especially for new drivers, families, or anyone who travels often.
Why Choose Car Insurance with Roadside Assistance in 2025?
In today’s world, roadside help is more important than ever:
- Cars are more complex – Modern vehicles require professional handling when they break down.
- 24/7 support – No matter where you are, help is always available.
- Cost savings – Standalone roadside assistance memberships (like AAA) can be expensive, but adding it to your insurance is often cheaper.
- Convenience – You don’t need multiple providers—your insurance handles both coverage and emergencies.
Best Car Insurance Providers with Roadside Assistance in 2025
Here are some of the top-rated car insurance companies in 2025 that offer roadside assistance:
1. GEICO
- Roadside assistance cost: Affordable add-on starting at a few dollars per month.
- Coverage includes: Towing, lockout service, jump-starts, tire changes, and fuel delivery.
- Why it’s great: The GEICO mobile app makes it easy to request help and track assistance in real time.
2. State Farm
- Roadside assistance cost: Available as an optional add-on.
- Coverage includes: Towing to the nearest repair shop, lockout service, and emergency fuel delivery.
- Why it’s great: State Farm has a large network of agents and repair shops, ensuring quick response times.
3. Progressive
- Roadside assistance cost: Low monthly add-on.
- Coverage includes: Towing, flat tires, battery jump-starts, and fuel delivery.
- Why it’s great: Progressive offers bundle discounts, so you can save if you combine car insurance with other policies.
4. Allstate
- Roadside assistance options: Available as part of car insurance OR as a standalone plan.
- Coverage includes: 24/7 roadside service, towing, flat tires, and lockouts.
- Why it’s great: Flexible options—you don’t have to be an Allstate customer to get their roadside plan.
5. USAA (for military members & families)
- Roadside assistance cost: Affordable add-on for USAA members.
- Coverage includes: Towing, fuel delivery, lockouts, and jump-starts.
- Why it’s great: Excellent customer service and discounted rates for military families.
6. Nationwide
- Roadside assistance cost: Available as Basic or Plus coverage.
- Coverage includes: Basic covers towing up to 15 miles, lockout service, and jump-starts. Plus covers longer tows and trip interruption benefits.
- Why it’s great: Extra travel protection in the Plus plan makes it ideal for long-distance drivers.
7. Farmers Insurance
- Roadside assistance cost: Optional add-on.
- Coverage includes: Towing, lockouts, battery jump-starts, and fuel delivery.
- Why it’s great: Farmers allows customization, so you only pay for the coverage you need.
Things to Consider Before Choosing a Policy
Not all roadside assistance plans are the same. Here’s what to check before buying:
- Distance Limit for Towing – Some plans only tow up to 5–15 miles, while others cover up to 100 miles.
- Number of Service Calls Allowed – Check if the plan limits how many times you can use roadside help per year.
- Availability – Some rural areas may have slower service times.
- Vehicle Type – Make sure your plan covers all your vehicles (cars, trucks, or motorcycles).
- Add-On vs Included – Some insurance companies include roadside assistance automatically, while others charge extra.
Who Should Get Car Insurance with Roadside Assistance?
Roadside assistance is valuable for almost everyone, but it’s especially useful for:
- Young or new drivers – Less experience means more chances of making simple mistakes like running out of gas or locking keys in the car.
- Families – If multiple people share the car, roadside help ensures safety for everyone.
- Long-distance commuters – Frequent highway driving increases the chances of unexpected breakdowns.
- Elderly drivers – Provides safety and reassurance when driving alone.
Tips for Saving Money on Car Insurance with Roadside Assistance
- Bundle your insurance – Combine auto, home, or renters’ insurance for discounts.
- Compare multiple providers – Rates vary, so shop around.
- Ask about usage limits – Choose a plan that matches your driving habits.
- Check if your credit card offers it – Some premium cards (like Chase Sapphire or Amex Platinum) include roadside help.
Final Thoughts
In 2025, car insurance with roadside assistance is more than just a convenience—it’s peace of mind on the road. Whether it’s a flat tire, dead battery, or getting locked out, roadside assistance ensures you’re never left stranded.
If you’re looking for the best options, GEICO, State Farm, Progressive, Allstate, USAA, Nationwide, and Farmers all offer solid roadside assistance programs. The right choice depends on your budget, driving habits, and coverage needs.
👉 Pro tip: Always read the fine print before choosing a policy. Look at towing distance, number of calls allowed, and service coverage areas.
With the right plan, you’ll save money, protect your car, and drive with confidence knowing help is just a phone call away.