Everything You Need To Know About Liberty Mutual Roadside Assistance

Liberty Mutual customers can add coverage for numerous roadside assistance benefits to their car insurance, including towing, tire changes, minor repairs and more. While some other providers offer more extensive coverage for roadside services, this policy endorsement is an affordable way to access roadside assistance if you are already covered by Liberty Mutual.

Read the rest of our Liberty Mutual roadside assistance review below to learn more about what’s covered and how you can access your benefits in the event of a breakdown.

On This Page

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  Liberty Mutual Roadside Assistance Overview

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  Our Thoughts on Liberty Mutual Roadside Assistance

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  Liberty Mutual Roadside Assistance Cost

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  Liberty Mutual Roadside Assistance Coverage

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  How To Request Liberty Mutual Roadside Assistance

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  How To Add Liberty Mutual Roadside Assistance

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  Pros and Cons of Liberty Mutual Roadside Assistance

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  Liberty Mutual Roadside Assistance vs. the Competition

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  Liberty Mutual Roadside Assistance Review FAQs

Liberty Mutual Roadside Assistance Overview

Our Thoughts on Liberty Mutual Roadside Assistance

It may not be worth switching to Liberty Mutual solely for roadside assistance, as the company does not cover as many roadside support services as some other insurance carriers. Nevertheless, this auto insurance add-on can make for a great addition to any existing Liberty Mutual car insurance policy.

Liberty Mutual offers 24/7 roadside assistance benefits, including substantial coverage for towing.^[1] Additionally, you may be able to track your tow truck or other service provider in real time, giving you a better idea of when help will arrive. That said, not every provider that works with Liberty Mutual will necessarily offer this option.^[2]

Liberty Mutual Roadside Assistance Cost

On average, roadside assistance from Liberty Mutual costs $23 per year, according to Majda Baltic — the founder of Majdas Touch Insurance and winner of Liberty Mutual’s 2020 Agent for the Future Emerging Leader Award. This places it in the middle of the $15 to $30 range that is standard for roadside assistance add-ons to car insurance policies.^[3]

Liberty Mutual Roadside Assistance Coverage

Liberty Mutual covers most roadside assistance services, with only a handful of noteworthy exclusions. The following sections go over what kinds of support you can expect to receive from Liberty Mutual if you find yourself stranded on the side of the road.

What's Included?

These are the main services covered by Liberty Mutual’s roadside assistance program:^[1][4]

• Towing: When you request help through Liberty Mutual, the insurance company will cover the full cost of towing your vehicle to the nearest qualified repair facility after a breakdown.
• Battery jumpstarts: If your trip comes to a halt due to a dead battery, you can ask Liberty Mutual to send someone to jumpstart your car battery and get you back on the road.
• Spare tire installations: Liberty Mutual roadside assistance can come in handy if you don’t know how to change a tire, as the insurer can send a technician to install your spare for you if you end up with a flat tire.
• Locksmith services: You can contact Liberty Mutual for help anytime you can’t get into your vehicle — like if you have locked the keys inside and need someone to unlock your car for you.
• Fuel delivery: In emergency situations where you won’t be able to make it to a gas station, Liberty Mutual can deliver enough gasoline to get you back on the road.
• Onsite repairs: Your roadside assistance plan may also cover minor car repairs at the site of your breakdown if a quick fix is all it takes to get your car up and running again. Of course, you will likely need a tow if your vehicle needs more complex repairs.

What Isn't Included?

Your roadside assistance insurance endorsement from Liberty Mutual excludes coverage for certain services and expenses, such as the following:^[1][5]

• Winching: Winching is not among the covered benefits listed on Liberty Mutual’s website, meaning you may be without coverage if your car gets stuck and needs to be freed.
• Cost of fuel: Though Liberty Mutual can send someone to bring gasoline to you, you will have to pay for the fuel out of pocket.
• Tows after car accidents: Liberty Mutual’s towing coverage only applies to mechanical breakdowns and disablements. As a result, it won’t pay to tow your vehicle if it is totaled in a car accident; however, this may be covered by your physical damage insurance.

How To Request Liberty Mutual Roadside Assistance

You can call 800-426-9898 to access Liberty Mutual’s roadside assistance benefits on an around-the-clock basis.^[1] Alternatively, you can request help through the Liberty Mutual Mobile app whenever you experience a breakdown or any other issue that leaves you stranded on the side of the road.^[6]

How To Add Liberty Mutual Roadside Assistance

Roadside assistance is not automatically included with Liberty Mutual auto insurance policies — you must purchase the optional towing and labor coverage endorsement to obtain it. One of the easiest ways to add roadside assistance coverage to your policy is to log in to Liberty Mutual’s online policy management portal and update your coverage details there.^[1] You can also edit your coverage through the insurer’s mobile app.^[6]

Some carriers let you access roadside support at discounted rates even if you don’t have a policy endorsement, but Liberty Mutual will only send help if you’ve already bought coverage.^[1]

Pros and Cons of Liberty Mutual Roadside Assistance

Below, you’ll see summaries of the most notable pros and cons of Liberty Mutual roadside assistance coverage.

Pros

Some of the biggest upsides to Liberty Mutual roadside assistance include the following:^[1][4][6]

• Extensive coverage for towing: Liberty Mutual provides generous towing coverage, with tows to the closest repair facility approved by the insurance company being fully covered. As a result, you shouldn’t have to worry about incurring out-of-pocket expenses when you need your car towed to an auto shop.
• Convenient mobile app: You can do everything related to roadside assistance through Liberty Mutual Mobile — including adding it to your policy and requesting help after a breakdown — simplifying the process of obtaining and using your coverage.

Cons

There are some weaknesses to Liberty Mutual’s roadside assistance services, such as these:^[1][7]

• Coverage may not be available in all states: As of May 2025, California and Hawaii aren’t listed on Liberty Mutual’s website among the states where the company offers car insurance, so roadside assistance coverage may not extend to these states.
• Not all roadside services are covered: Liberty Mutual doesn’t cover winching, even though it’s a standard benefit covered by many other roadside service providers. In addition, Liberty Mutual doesn’t provide trip interruption coverage, which is an optional benefit offered by many providers that can cover temporary lodging, food and transportation expenses if you experience an accident or breakdown while traveling far from home.

Liberty Mutual Roadside Assistance vs. the Competition

Here’s how Liberty Mutual’s insurance policy endorsement compares to other popular roadside assistance plans: