2024 Liberty Mutual Roadside Assistance Review

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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.[1] For an extra $7 to $35 per car per year, this add-on will pay toward emergency roadside services, like tows, fuel delivery, battery jumpstarts and more.

Curious if Liberty Mutual roadside assistance is the right provider to help you with a tow service or tire change? We’ve spoken with Liberty Mutual representatives to answer your questions about how it works, its strengths, drawbacks and more.

Key Takeaways

  • Liberty Mutual roadside assistance includes coverage for most emergency services, including tows, battery jumpstarts, winches and fuel delivery.
  • It costs $7 to $35 per car per year to add roadside assistance coverage to your Liberty Mutual auto policy.
  • Liberty Mutual roadside assistance will cover up to $200 in towing expenses.

Overview

Availability

40 states[2]

Annual Pricing

$7-$35 per car

Service Calls Per Year

6

Tow Truck

Up to $200

Winching

Yes

Battery Jumpstart

Yes

Lockout

Yes

Flat Tire

Yes

Fuel Delivery

Yes

Contact

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.[3] With Liberty Mutual roadside assistance, drivers can cruise the road knowing help is on standby after accidents or if they have to pull over due to mechanical breakdowns or a tire blowout.

We’ve spoken with Liberty Mutual agents and found that instead of flat mileage coverage, Liberty Mutual will cover up to $200 in tow-related and other roadside service expenses. Costing $35 per year on the higher end, getting up to $200 in coverage per service call can be a good deal.

How Does Liberty Mutual Roadside Assistance Work?

Roadside assistance through Liberty Mutual is available after adding “Towing & Labor Coverage” to your auto policy. After buying this add-on, you can request roadside assistance 24/7, whether it's for a tow, fuel delivery or a battery jumpstart.

What Does Liberty Mutual Roadside Assistance Include?

Liberty Mutual customers gain access to a wide range of emergency roadside services by adding this coverage to this auto policy:[4]

  • Up to $200 in towing costs
  • Battery jump-start
  • Fuel delivery
  • Lockout service
  • Flat tire change
  • Winching

How Often Can I Use Liberty Mutual Roadside Assistance?

According to a Liberty Mutual representative, 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 surprise out-of-pocket expenses.

Can I Use My Liberty Mutual Roadside Assistance for Someone Else?

Roadside coverage is available only to the vehicles listed in your car insurance policy.[5] 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’s vehicle.

How Long Does Liberty Mutual Roadside Assistance Take?

Liberty Mutual does not advertise online an average response time for when a roadside service professional will arrive. That said, drivers can generally wait for up to an hour for help to arrive.[6]

How Much Does 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 cost can vary by state and how much coverage you buy.

Liberty Mutual will cover the first $50, $75, $150 or $200 of roadside service costs depending on what coverage you buy.

Higher coverage limits result in higher costs. In addition, the type of car you drive can affect your rate.

How Do I Request Liberty Mutual 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 the Liberty Mutual roadside assistance phone number at 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 service.[7]

Reimbursement is available if you arranged for roadside assistance yourself and you will need to file a claim to get that money returned, according to our call with a Liberty Mutual representative.

How Do I Add Liberty Mutual Roadside Assistance to My Existing 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.[4]

Pros & Cons of Liberty Mutual Roadside Assistance

Pros

Cons

Affordable

Limited availability

All basic roadside emergency services covered

 

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.
  • All basic roadside emergency services covered: Liberty Mutual roadside assistance towing coverage will pay up to $200 in towing costs. You’re also covered if you need fuel delivered to you, a professional to replace your tire, a locksmith to help you regain access to your car and more.

Cons

  • Limited availability: Liberty Mutual does not have dedicated auto insurance pages for California, Connecticut, Florida, Georgia, Hawaii, Nevada, New Jersey, New York, Rhode Island and Washington. As a result, roadside assistance may be unavailable if you live in one of these states.[2]

Liberty Mutual vs. The Competition

 

Annual Cost

Service Calls

All Basic Services Covered?

Liberty Mutual

$7-$35 

6

Yes

USAA

$18-$24

Varies

Yes

Farmers

$20

Varies

Fuel delivery not covered

Travelers

$10-$20

8

Yes

Nationwide

$22-$42

4-6

Yes

Get a Free Quote for Auto Insurance With Roadside Assistance

FAQs

Does Liberty Mutual offer 24/7 roadside assistance?

Yes, Liberty Mutual offers 24/7 roadside assistance.[4]

Does Liberty Mutual offer roadside assistance when I’m traveling?

It is unlikely that your U.S. roadside assistance coverage will follow you in Mexico. Liberty Mutual has partnered with MexPro to sell coverage specifically for when you're driving beyond the U.S.and Mexico border.[8]

Is Liberty Mutual roadside assistance free?

No, you must pay to add roadside assistance to your Liberty Mutual auto policy. It generally costs $7 to $35 per car per year.

Sources

  1. Agero. “Vehicle Breakdowns Cost U.S. Economy $41B Per Year.” Accessed Feb. 27, 2024.
  2. Liberty Mutual. “Site Map.” Accessed Feb. 27, 2024.
  3. Liberty Mutual. “Car Insurance for Teens.” Accessed Feb. 27, 2024.
  4. Liberty Mutual. “24-Hour Roadside Assistance.” Accessed Feb. 27, 2024.
  5. Liberty Mutual. “Does Car Insurance Cover the Car or Driver?” Accessed Feb. 27, 2024.
  6. NEXGEN Auto Transport. “How Long Does It Take To Tow a Car [Ultimate Guide 2023].” Accessed Feb. 27, 2024.
  7. Liberty Mutual. “Contact Us.” Accessed Feb. 27, 2024.
  8. Liberty Mutual. “Mexico Car Insurance.” Accessed Feb. 27, 2024.

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