Everything You Need To Know About Liberty Mutual Roadside Assistance

With an average of 69 million vehicle breakdowns occurring each year, Liberty Mutual has its customers covered if they add roadside courage to their auto policy. For an extra $7 to $35 per car per year, this add-on will provide emergency roadside services, like tows, fuel delivery, battery jumpstarts and more.

Curious if Liberty Mutual is the right car insurance company to help you with a tow service or tire change? Our Liberty Mutual roadside assistance review will answer any questions you have about coverages, strengths, drawbacks and more.

On This Page

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  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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  What’s Included and Not Included

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  How To Request Roadside Assistance

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  How To Add Roadside Assistance to Your Policy

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  Pros and Cons of Liberty Mutual Roadside Assistance

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  Liberty Mutual vs. the Competition

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  FAQs

Overview

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Our Thoughts on Liberty Mutual Roadside Assistance

Serving customers since 1912, Liberty Mutual has remained a pillar in the insurance industry for over a century. With Liberty Mutual roadside assistance, drivers can cruise the road knowing help is on standby if they have to pull over due to mechanical failure or a tire blowout.

Towing services function a little differently for Liberty Mutual. Instead of flat mileage coverage, Liberty Mutual will cover up to $200 in tow-related and other roadside service expenses. 

We break down the national average costs of towing below, but you may still want to research the general costs of tow services in your area to determine how much you save.

Liberty Mutual Roadside Assistance Cost

SmartFinancial reached out to several agents and found that it costs $7 to $35 per car per year to add roadside coverage to your Liberty Mutual auto policy. The wide variance is due to the different coverage limit options. Liberty Mutual will cover the first $50, $75, $150 or $200 of roadside service costs. Higher coverage limits result in higher costs.

What’s Included and Not Included

Liberty Mutual customers gain access to a wide range of emergency roadside services by adding this coverage to this auto policy. However, there are some coverage exclusions to keep in mind.

What’s Included

Adding roadside assistance to your Liberty Mutual auto policy will include the following services:

• Vehicle towing: Get your car towed to the nearest qualified repair shop. Tow service costs of up to $200 are covered if you buy the maximum coverage. Based on the national average cost of tow rates of up to $7.00 per mile, this is about 29 miles of coverage (excluding other tow truck-related expenses).
• Battery jump-start: With Liberty Mutual roadside coverage, a professional can jumpstart your dead battery to help get you back on the road.
• Fuel delivery: If your tank runs dry, Liberty Mutual can dispatch somebody to deliver fuel to your location. You are responsible for the cost of fuel.
• Lockout service: Whether you’re locked out of your car because your keys are sitting on the passenger seat or they were lost or stolen, Liberty Mutual can arrange locksmith services to help you regain access to your vehicle. Keep in mind that you are typically responsible for the cost of obtaining replacement keys if needed.
• Flat tire change: While knowing how to change a tire is always useful, Liberty Mutual can help if you don’t. If your tire is flat, a professional can arrive to replace it for you — although, you need to supply the spare tire.
• Winching: This roadside service extracts your vehicle when it’s stuck in mud, snow, sand or another terrain.
• On-scene labor: Liberty Mutual will dispatch a roadside professional to do any labor, such as mechanical repairs, for up to one hour. If the service is expected to exceed one hour, you may need to opt for a tow to the nearest repair facility.

What’s Not Included

Liberty Mutual roadside assistance will not provide coverage for the following scenarios:

• Roadside services for friends and family: Roadside coverage is available only to the vehicles listed in your car insurance policy. Since coverage follows the car and not the driver, you would not qualify to receive emergency roadside assistance when you’re the driver or passenger in a friend or family member’s vehicle or a rental car.

• Services beyond claim limit: Six service calls are available when you add roadside coverage to your auto policy. While these coverage limits are not new — many other insurance carriers have them — you should be aware of how many service calls you have in your pocket to avoid any surprises.

How To Request Roadside Assistance

Liberty Mutual roadside assistance is available 24/7 with somebody always on standby to send help when you need it. You can call 1-800-426-9898 when you want a tow to the nearest repair facility, require a locksmith service or need some other type of roadside assistance.

Reimbursement is available if you arranged for roadside assistance yourself, according to our call with a Liberty Mutual representative. You can call the number above to get more information about the reimbursement process.

How To Add Roadside Assistance to Your Policy

Roadside assistance is available when you add the optional “Towing and Labor coverage” to your Liberty Mutual policy. Existing Liberty Mutual policyholders can add this policy by editing their coverages online or calling their insurance agent.

Pros and Cons of Liberty Mutual Roadside Assistance

Pros

• Affordable: Drivers can expect to pay $7 to $35 per car per year depending on how much roadside coverage they purchase. At less than $3 per month, Liberty Mutual customers can access emergency roadside services without breaking the bank.
• Nearly all basic services offered: With Liberty Mutual roadside coverage, drivers can receive service for nearly any type of mechanical failure. Whether you have a flat tire, you ran out of gas or need a tow, Liberty Mutual can help.
• Tons of discounts: While there is no official discount that applies to roadside coverage specifically, Liberty Mutual offers multiple car insurance discounts to their auto policyholders. As a Liberty Mutual customer, you can save by bundling with another policy, registering multiple vehicles under your auto insurance policy, earning good grades, installing car safety features and more.

Cons

• No trip interruption benefit: Liberty Mutual roadside coverage will not cover costs, like hotel fares and vehicle repairs, if your car breaks down in the middle of your road trip.

Liberty Mutual vs. the Competition

Liberty Mutual’s roadside assistance coverage is similar to what other insurance providers offer but can cost slightly more depending on how much coverage you buy.

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SmartFinancial can help you compare coverages and prices from 200+ insurance partners that include Liberty Mutual. Auto insurance is critical for protecting your car against damages and for liability, so you want to get the best coverage at the best value. Just enter your zip code below and answer a few questions for a free quote.

Sources:

• Agero. “Vehicle Breakdowns Cost US Economy $41B Per Year.” Accessed Dec. 9, 2022.
• Liberty Mutual. “Contact Us.” Accessed Dec. 9, 2022.
• Liberty Mutual. “24-Hour Roadside Assistance.” Accessed Dec. 9, 2022.