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.

Farmers Roadside Assistance Program Overview

 

Standard Plan*

Availability

Available in 42 states

Annual Pricing

$20 (varies by location)

Service Calls

3

Tow truck

Up to $150

Battery Jump-Start

Yes

Flat Tire

Yes

Fuel Delivery

No

On-Scene Labor

No

Winching/Extrication

Yes

Trip Interruption Service

Not offered

Contact Information:

  • Customer Service: (888) 327-6335
  • Roadside Assistance: (800) 435-7764
  • Online
  • Mobile app

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.

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.

Included

Not Included

  • Three service calls per year
  • Services that exceed your policy limit
  • Up to $150 in towing costs
  • Mechanical labor
  • Flat-tire changes
  • Trip interruption service
  • Battery jumpstarts
 
  • Up to two gallons in fuel delivery
 
  • Locksmith services
 
  • Winching
 

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.
Affordable Insurance with Roadside Assistance 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

Cons

  • Affordable
  • Roadside assistance plans limited to current customers
  • Available in 42 states 
  • Doesn't include a trip interruption benefit
  • Includes most basic services
 
  • No exclusions from coverage based on your policy
 
  • Towing services 
 

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

 

Farmers

Nationwide Basic

AAA Classic

State Farm

Annual Cost

$20

$22-$24

$59

$8-$24

Service Calls

3

4-6

4

N/A

Towing

Up to $150

15 miles

3-5 miles

Varies

Winching

Yes

Yes

Yes

Yes

Locksmith

Yes

Yes

Yes

Yes

On-Site Labor

No

No

Yes

Yes

Fuel Delivery

Yes

Yes

Yes

Yes

Jumpstart

Yes

Yes

Yes

Yes

Flat Tire

Yes

Yes

Yes

Yes

Farmers Roadside Assistance FAQs

How much does Farmers Roadside Assistance cost?

You'll only pay about $20 per year for Farmers towing and roadside Assistance on top of your existing Farmers car insurance. Actual pricing will vary by location.

Can I use my Farmers Roadside Assistance plan for someone else?

Farmers towing and roadside assistance plan doesn't cover vehicles that are not listed on the policy. This coverage follows the vehicle and not the driver so you cannot request roadside assistance for a friend’s car.

Do I have a Farmers Roadside Assistance plan?

You can contact Farmers' customer service line at (888) 327-6335 to see if you have a roadside assistance plan. Additionally, you can log into your Farmers account online or using its mobile app.

How often can I use Farmers Roadside Assistance?

Farmers limits the number of roadside service calls to three per year. You can still call in for road assistance but you are responsible for paying for these services out of pocket.

How can I get reimbursed for towing?

To get reimbursed for towing costs, You will need to file a claim online to get reimbursed for towing costs. To get started, you will need your name, policy number, receipt and the date and time of the incident.

Key Takeaways

  • Farmers sells roadside assistance as an optional endorsement for about $20 per year.
  • Farmers roadside assistance services include tows, battery jumpstarts, locksmith services and fuel delivery.
  • Towing coverage will cover up to $150 in costs.
  • Roadside assistance is not available in Alaska, Delaware, Hawaii, Maine, New Hampshire, Rhode Island, Vermont and West Virginia.

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:

Get a Free Auto Insurance Quote Online Now.