2024 Farmers Roadside Assistance Review

secure Editorial Standards

SmartFinancial Offers Unbiased, Fact-based Information. Our fact-checked articles are intended to educate insurance shoppers so they can make the right buying decisions. Learn More

If you’re a Farmers customer seeking roadside assistance, you can add this coverage to your auto policy at an affordable cost. At around $20 per year depending on your location, roadside coverage gives you access to tows, 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.[1] Our Farmers roadside assistance review will help determine if adding roadside coverage to your policy is a good choice.

Key Takeaways

  • Farmers sells roadside assistance as an optional endorsement for about $20 per year.
  • Farmers roadside assistance services include tows, battery jumpstarts and locksmith services.
  • Fuel delivery is not advertised as a covered benefit.
  • Roadside assistance is not available in Alaska, Delaware, Hawaii, Maine, New Hampshire, Rhode Island, Vermont and West Virginia.



42 states[2]

Annual Pricing

$20 (but can vary by location)

Service Calls Per Year


Tow Truck




Battery Jumpstart




Flat Tire


Fuel Delivery



Our Thoughts on Farmers Roadside Assistance

Farmers roadside assistance towing and other services provides relief for stranded drivers, whether you need a tow, battery jumpstart or an extraction.

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

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.

How Does Farmers Roadside Assistance Work?

Assuming you’ve added roadside assistance to your Farmers auto policy, roadside emergency services will be available 24/7. If you experience some type of mechanical breakdown, you can contact Farmers and a professional will be dispatched to service your vehicle. This might involve jumpstarting a dead battery, extracting your stuck vehicle from mud or towing it to the nearest repair shop.

How Often Can I Use Farmers Roadside Assistance?

According to a Farmers agent in Arizona, you may be covered for three to four service calls per year. However, a Florida Farmers agent reported that there was no cap on the number of claims you can file. As a result, the number of covered service calls will likely vary by location and you should confirm with your local agent.

Can I Use My Farmers Roadside Assistance for Someone Else?

Roadside assistance coverage would follow the insured vehicle so if it experienced a breakdown, then you should be covered whether it’s you or a friend borrowing your car.[3] However, do not expect Farmers to cover roadside services if you’re driving a friend’s car.

How Long Does Farmers Roadside Assistance Take?

The Farmers website does not provide an estimate on the average wait time after requesting roadside emergency services. On average, it can take up to an hour for a tow truck to arrive but this can vary based on your location and the service you request.[4]

What Does Farmers Roadside Assistance Include?

Roadside assistance through Farmers gives you access to the most common types of emergency roadside services:[5]

  • Towing services to the nearest repair facility
  • Winches if your vehicle is stuck in mud, sand, snow, water or another terrain
  • Battery jumpstarts
  • Fuel delivery (cost of fuel not covered)
  • Lockout services
  • Flat tire changes (cost of tire not covered)

What Isn’t Included With Farmers Roadside Assistance?

The Farmers website does not advertise fuel delivery as a service included in your roadside assistance plan. In addition, you will not be covered for spare tires. Your coverage will cover the cost of labor required to replace your tire but you will need to buy and supply the spare tire itself.

How Much Does 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.

How Do I Request Farmers Roadside Assistance?

If you're stranded, you can call the Farmers roadside assistance phone number at 888-327-6335.[6] 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.

If you’ve already received roadside assistance and want to get reimbursed, you can file a claim online to get reimbursed. You will need to upload your receipt.[5]

How Do I Add Farmers Roadside Assistance to My Existing Policy?

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.[7]

Pros & Cons of Farmers Roadside Assistance




Limited availability

Most roadside services covered

Fuel delivery not included

Covers rental vehicles



  • Affordable: Roadside coverage can potentially cost less than $2 per month.
  • Most roadside services covered: Farmers customers are covered for tows, tire changes, battery jumpstarts and more.
  • Covers rental vehicles: Any coverages you have in your personal auto insurance policy will transfer to a rental car that you drive.[8]


  • Limited availability: Farmers does not sell auto insurance products in Alaska, Delaware, Hawaii, Maine, New Hampshire, Rhode Island, Vermont and West Virginia.[2]
  • Fuel delivery not included: If your vehicle is stranded because it ran out of fuel, Farmers may not cover the cost of delivering fuel to your location.

Farmers vs. The Competition


Annual Cost

Service Calls

All Basic Services Covered?

Towing Coverage




Fuel delivery not covered







Liberty Mutual





Travelers (Basic)




15 miles

Nationwide (Basic)




15 miles




Winching not covered


AAA (Classic)




7 miles

*Free if you purchased collision and comprehensive coverage

Get a Free Quote for Auto Insurance With Roadside Assistance


Does Farmers offer 24/7 roadside assistance?

Yes, Farmers representatives are available 24/7 and you can call in at any time to request roadside emergency services.[9]

Does Farmers offer roadside assistance when I’m traveling?

Farmers coverage is available if you’re traveling through the United States or in Puerto Rico or Canada.[8]

Is Farmers roadside assistance free?

No, Farmers roadside assistance is an optional benefit that you must purchase. It may cost as low as $20 per year but it can vary by location.


  1. Agero. “Vehicle Breakdowns Cost U.S. Economy $41B Per Year.” Accessed Feb. 27, 2024.
  2. Farmers. “Farmers Coverage by State.” Accessed Feb. 27, 2024.
  3. Farmers. “Auto Insurance FAQ.” Accessed Feb. 27, 2024.
  4. NEXGEN Auto Transport. “How Long Does It Take To Tow a Car [Ultimate Guide 2023].” Accessed Feb. 27, 2024.
  5. Farmers. “Roadside Assistance.” Accessed Feb. 27, 2024.
  6. Farmers. “Contact Us.” Accessed Feb. 27, 2024.
  7. Farmers. “Can I Change My Auto Coverage Whenever I Want?” Accessed Feb. 27, 2024.
  8. Farmers. “Does My Auto Policy Cover Rental Vehicles?” Accessed Feb. 27, 2024.
  9. Farmers. “Car Insurance Options.” Accessed Feb. 27, 2024.

Get a Free Auto Insurance Quote Online Now.