Everything You Need To Know About Liberty Mutual Roadside Assistance

With an average of 69 million vehicle breakdowns occurring each year, will your insurance company come to your rescue when you're stranded at the roadside? Fortunately, national insurance carrier Liberty Mutual offers auto insurance plus roadside services, including lockout services, fuel delivery 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.

Liberty Mutual Roadside Assistance Overview

Available

All 50 states

Pricing

Quote-based

Tow truck

Yes

Winching

No

Battery Jump-Start

Yes

Lockout

Yes

Flat Tire

Yes

Fuel Delivery

Yes

On-scene Labor

1 hour

Contact

  • 800-290-8711 (customer service)

  • 1-800-426-9898 (roadside assistance)

  • Send a text to 80361

  • Online portal

  • Mobile app

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; Their brand and track record have carried them through the decades. 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.

While Liberty Mutual provides most of your basic roadside services, winching is not included. Winching involves using specialized equipment to extricate your vehicle when it's stuck in certain terrain. Based on your driving routes and local weather, winching may or may not be a priority. 

Towing services function a little differently for Liberty Mutual. Instead of flat mileage coverage, you're covered for tows within a 15-mile proximity and Liberty Mutual will cover up to $200 in tow-related 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

Liberty Mutual could not provide an average or baseline cost of assistance when we spoke with a representative on the phone. You would need to answer a series of questions about your car and background to get an accurate quote. The cost will vary per car model, driving history and mileage, among other factors (similar to standard car insurance). 

With that said, roadside coverage generally costs less than $10 monthly, so the cost of Liberty Mutual roadside assistance is somewhere in this ballpark. The cost of car insurance typically ranges between $110 and $130 per month, according to Liberty Mutual. Using that as a benchmark, you may be paying around $120 to $140 monthly for car insurance with roadside coverage.

(Of course, these figures are only estimates. Your auto insurance policy's actual cost depends on your driving and claims history, coverages, personal information, car model and more.)

Liberty Mutual Roadside Assistance Coverage

What's Included

What's NOT Included

Vehicle towing

Winching

Winching

Services for friends and family

Battery jump-start

Services beyond the claim limit

Fuel delivery


Lockout service


Flat tire change


On-scene labor


What's Included

  • Vehicle towing: Get your car towed to the nearest qualified repair shop. Tow service costs up to $200 are covered. 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.

  • 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

  • Winching: Liberty Mutual did not include winching services on their website, a roadside service that would extract your vehicle when stuck in mud, snow, sand or another terrain. This is likely due to their roadside coverage applying to "mechanical breakdowns and disablements" and driving into mud may not qualify.

  • 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.

Get Affordable Insurance with Roadside Assistance Plan

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 on the optional "Towing and Labor coverage" to your Liberty Mutual policy. Existing Liberty Mutual policyholders can add this policy by editing their coverages online.

Pros and Cons of Liberty Mutual Roadside Assistance 

Pros

Cons

Nearly all basic services offered

No winching

Tons of discounts


Pros

  • 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 winching: Roadside service would not be available if your vehicle is stuck in terrain. Depending on your location (e.g., snow- and rain-heavy states), this may be a concern and is worth noting.

Liberty Mutual vs. the Competition


Liberty Mutual

Allstate

USAA

Nationwide

AAA

Annual Cost

Quote-based

$79

$18

$23

$53

Service Calls

6/year

3/year

Varies

Varies

4/year

Tow truck

$200*

$150*

50 miles

15 miles

7 miles

Winching

No

Yes

Yes

Yes

Yes

Battery Jump-Start

Yes

Yes

Yes

Yes

Yes

Lockout

Yes

Yes

Yes

Yes

Yes

Flat Tire

Yes

Yes

Yes

Yes

Yes

Fuel Delivery

Yes

Yes

Yes

Yes

Yes

On-scene Labor

1 hour

n/a

1 hour

n/a

1 hour

Response

n/a

30 mins

60-90 mins

n/a

21 mins**

*Covers tow truck costs up to that amount
**Based on requests from California drivers

Liberty Mutual Roadside Assistance FAQs

How many tows do you get with Liberty Mutual?

With Liberty Mutual roadside assistance, you can make up to six service calls during your policy period. You will likely not be covered or reimbursed if your car breaks down after the sixth claim. Some insurance carriers may raise premiums or terminate your roadside coverage if you're found filing claims excessively.

Does Liberty Mutual cover tows?

Yes, Liberty Mutual's roadside assistance plan will cover towing expenses up to $200. Based on the national average of $7.00 per mile, this can equate to about 29 miles of tow truck mileage (excluding other tow truck-related expenses).

Does Liberty Mutual have 24/7 customer service?

Liberty Mutual's roadside assistance support is available 24/7 and can be reached at 1-800-426-9898.

What is Liberty Mutual's phone number?

To request emergency roadside assistance, dial 1-800-426-9898. For general inquiries, dial 1-800-290-8711 to speak with customer service. You can also contact a Liberty Mutual representative by sending a text to 80631 (standard messaging rates apply).

Can I use my roadside assistance for someone else?

No. Other people cannot use your Liberty Mutual roadside coverage even if you are a passenger in their vehicle. The only way to receive service is to drive the vehicles listed in your auto insurance policy.

Shopping for a Roadside Assistance Plan 

Liberty Mutual is an established carrier within the insurance industry, so you might be curious how they stack up next to other top car insurance companies. After all, auto insurance is critical for protecting your car against damages and you against liability, so you want to get the best coverage at the best value. 

SmartFinancial can help you compare coverages and prices from 200+ insurance partners that include Liberty Mutual. Just enter your zip code below and answer a few questions for a free quote.

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