Everything You Need To Know About Farmers Roadside Assistance

If you’re a Farmers customers seeking roadside assistance, you can add this coverage to your auto policy at an affordable cost. At around $22 per year depending on your location, roadside coverage gives you access to tows, jumpstarts, battery jumpstarts and other emergency roadside assistance services.

One in three drivers has a roadside emergency according to Agero, so it's wise to be prepared. Our Farmers roadside assistance review will help determine if adding roadside coverage to your policy is a good choice.

On This Page

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  Farmers Roadside Assistance Program Overview

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  Our Thoughts on Farmers Roadside Assistance

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  Farmers Roadside Assistance Cost

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  What's Included and What's Not Included?

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  How To Request Farmers Roadside Assistance Services

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  How To Add Farmers Roadside Assistance to Your Policy

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  Pros and Cons of Farmers Towing and Roadside Assistance Plans

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  Farmers Towing and Roadside Service vs. the Competition

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  Farmers Roadside Assistance FAQs

Farmers Roadside Assistance Program Overview

Our Thoughts on Farmers Roadside Assistance

Farmers towing and roadside coverage provides immediate relief for stranded drivers whose automobiles require emergency service. Whether you need a tow, battery jumpstart or an extraction, the Farmers roadside assistance endorsement has you covered.

Farmers roadside assistance is an optional endorsement that costs about $20 per year (less than $2 per month) depending on your location.

Farmers' price is more affordable than AAA’s cheapest plan, which can cost as high as $59 per year.

Consumers should note that coverage will vary by location. SmartFinancial contacted Farmers agents in several states and found differences in how many service calls are included per coverage period. An agent in Arizona informed us that policyholders are covered for three to four service calls per year, while a Florida agent informed us that there is no annual cap. Going from three calls to unlimited calls is quite the jump, so be sure to confirm coverage details with your insurance agent.

Farmers Roadside Assistance Cost

SmartFinancial reached out to several Farmers agents and a Florida agent informed us that it would cost about $20 per year to add roadside assistance to your Farmers auto policy. However, actual pricing can vary by your location.

You can sign up for Farmers roadside assistance online, through the mobile app or by calling an agent at (888) 327-6335. Coverage is immediate and you will not have to wait until you renew your policy for this coverage to apply.

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What's Included and What's Not Included?

Roadside assistance through Farmers gives you access to the most common types of emergency roadside services. However, there are some types of breakdowns and costs that this endorsement will not cover.

What's Included?

• Three service calls per year: Farmers towing and roadside service covers only three service calls annually. You may still call in for roadside emergency services but these services will be paid out of pocket.
• Vehicle towing: Farmers Insurance only covers the first $150 in towing expenses, which can help you get to the nearest repair shop. You'll have to pay the difference if your towing costs exceed this amount.
• Flat-tire changes: Flat tire changes are included but you must supply the spare tire. Otherwise, you will likely need to arrange a tow to the nearest tire shop.
• Battery jump-start: If your vehicle doesn't start, Farmers roadside assistance will send a contractor to jump-start your car's dead battery. New batteries are not included.
• Fuel delivery: A contractor will come to your location with two gallons of gas to get your vehicle to a nearby gas station.
• Lockout service: Farmers will send a service provider to your location if you accidentally lock your keys inside your vehicle.
• Winching/extrication: This service helps to move your vehicle when it's stuck in mud, dirt or another terrain. You'll have to pay extra if it takes more than one contractor to free your car.

What's Not Included?

• Fixes for underlying issues: Your roadside assistance plan doesn't cover fixes for underlying mechanical issues. For instance, your plan will pay for towing to the nearest repair shop, but it won't cover your repair costs.
• Services beyond your claim limit: Farmers towing and roadside assistance caps claim limits at $150. If services exceed your claim's limit, you'll pay out of pocket.
• Roadside services for friends and family members: Farmers roadside service plans only cover cars listed in your policy. These plans follow the vehicle, not the person, so, you can't use your roadside assistance for another person's vehicle under this plan.

How To Request Farmers Roadside Assistance Services

If you're stranded, call Farmers Roadside assistance number at 1 (800) 435-7764 to get help. You can also request services online or through the mobile app. The service request process will require your vehicle and policy information before dispatching a service provider.

How To Add Farmers Roadside Assistance to Your Policy

You don't have to wait until your policy renews to get roadside assistance. Farmers Insurance allows its members to add coverages at any time throughout the year. After making payment, all policy changes take effect immediately.

To get help, you may contact Farmers Roadside Service at (800) 435-7764. You can also add roadside assistance by logging into your online account or Farmers' mobile app.

Pros and Cons of Farmers Towing and Roadside Assistance Plans

Farmers has several upsides but there are some drawbacks you should keep in mind.

Pros

• Affordable: You'll only pay $23 annually ($1.90 per month) for Farmers roadside coverage. Its plan is cheaper than those offered by other roadside assistance providers, like AAA, who may charge as high as $59 for the cheapest membership.
• Available in 42 states: Farmers does not sell any insurance products in Alaska, Delaware, Hawaii, Maine, New Hampshire, Rhode Island, Vermont and West Virginia.
• Includes most basic services: Farmers roadside assistance plan includes many of the basic services, such as towing, flat-tire changes and locksmiths.
• No exclusions from coverage based on your policy: You can purchase a roadside assistance plan as an optional endorsement on your existing Farmers Insurance policy. Farmers doesn't require you to buy comprehensive or collision coverage for roadside service.

Cons

• Roadside assistance plans are limited to current customers: You may only purchase Farmers roadside assistance as an endorsement on top of your existing car insurance plan.
• Doesn't include trip interruption benefit: Farmers won't reimburse you for hotels, meals or other expenses incurred after your vehicle's breakdown.

Farmers Towing and Roadside Service vs. the Competition

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If you're unhappy with your current insurer, SmartFinancial can help you find a better auto policy that best suits your needs. We'll help you compare rates and coverages to find the policy that's right for you. Enter your zip code below and answer a few questions or call 855.214.2291 to get a free car insurance quote.

Sources:

• Agero. “Vehicle Breakdowns Cost US Economy $41B Per Year. Accessed Dec. 5, 2022.
• Farmers. “Farmers Insurance Products By State.” Accessed Dec. 5, 2022.
• Farmers. “Get Towing and Roadside Assistance.” Accessed Dec. 5, 2022.
• Farmers. “Can I Change My Auto Coverage Whenever I Want?.” Accessed Dec. 5, 2022.