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Everything You Need To Know About USAA Roadside Assistance

If you or a family served in the military, then USAA has a car insurance and roadside assistance solution for you. USAA has a lot of love for active military and veterans, especially if you're stranded roadside. Whether you need help replacing a tire or need to extract your vehicle from snow, USAA has you covered with their roadside assistance policy.

USAA has a lot of love for active military and veterans, especially if you’re stranded roadside.

In our USAA roadside assistance review, we'll share our thoughts about the coverage you get and how much it costs to add roadside assistance to your auto insurance policy.

Table of Contents:

USAA Roadside Assistance Overview

Available

All 50 states

Pricing

$1.50-$2.00/month

Tow truck

50 miles

Winching

Yes

Battery Jump-Start

Yes

Lockout

Yes

Flat Tire

Yes

Fuel Delivery

Yes

On-cene Labor

1 hour

Contact

  • Call 210-531-USAA (8722)

Our Thoughts on USAA Roadside Assistance

USAA is available only to drivers who are active or veteran military members. Spouses, children and grandchildren of military personnel also qualify. USAA insurance — and their roadside coverage — will not cover other non-military drivers.

USAA is available only to drivers who are active or veteran military members. Spouses, children and grandchildren of military personnel also qualify.

USAA's roadside assistance offers towing services within a 50-mile radius, far exceeding the towing mileage limits of other insurance companies. It is also easy on your wallet, costing only about $1.50 to $2.00 per month. At an annual cost of about $24, this beats the price of calling a tow truck yourself and potentially spending, on average, $109.

Bottom line: If you qualify for USAA auto insurance, then the low cost of roadside coverage can be of benefit to you and your family.

USAA Roadside Assistance Cost

Premium

Policy*

Roadside Assistance**

Total

Monthly

$145

$1.50-$2.00

$146.50-$147

Six-month

$870

$9-$12

$879-$882

*Source: USAA.com (Based on average monthly cost for car insurance on USAA-issued policies in 2020 in Arizona, California, Hawaii, Kansas, Kentucky, Virginia and Washington)

The cost to add USAA roadside assistance to your auto insurance policy will typically increase your premium by $1.50 to $2.00 per month, according to our phone call with a USAA representative. Considering the range of services available to you — towing, winching, lockout and more — spending just $24 per year can be worth the cost for many drivers.

We compiled the average cost of USAA auto insurance policies in 2020 for Arizona, California, Hawaii, Kansas, Kentucky, Virginia and Washington. Based on those numbers, you could be spending about $146.50 to $147 monthly on car insurance after adding roadside assistance. Actual pricing will vary per policyholder.

USAA Roadside Assistance Coverage

What's Included

What's NOT Included

Vehicle towing

Services for friends and family

Winching

Services beyond the claim limit

Battery jump-start


Fuel delivery


Lockout service


Flat tire change


On-scene labor


What's Included

  • Vehicle towing: USAA can dispatch a tow truck to haul your vehicle to the nearest repair facility or electric vehicle charging station within a 50-mile radius. While the distance is already extensive, you may be subject to additional charges if you exceed 50 miles.

  • Winching: If your vehicle is stuck in mud, sand, snow, water or another terrain, then USAA will send a professional to extricate your vehicle with specialized equipment. Your car must be situated near a public roadway. Service may not be available if you're in an off-road location.

  • Battery jump-start: Dead batteries commonly occur when you leave your lights on or don't turn on your vehicle — if you need a jumpstart, USAA has you covered.

  • Fuel delivery: If your vehicle gas tank is empty, you can arrange to have fuel delivered to your location. You will need to pay for the cost of fuel though.

  • Lockout service: Whether you left your keys inside or they were lost or stolen, USAA can dispatch a locksmith to help you regain access to your vehicle. You are typically responsible for the cost of a new key, if needed.

  • Flat tire change: If you popped a tire, USAA can arrange for a service provider to replace it with a spare tire that you have on hand.

  • On-scene labor: Roadside assistance includes one hour of on-side, mechanical labor. Otherwise, you will likely need to have your car towed to a qualified nearby repair shop.

What's Not Included

  • Roadside services for friends and family: USAA roadside coverage will not be available if you are in a vehicle that is not listed in your auto policy (e.g., you're the driver or passenger in a friend's or cousin's vehicle). However, coverage does extend to a rental car according to our phone call with a USAA representative.

  • Services beyond claim limit: The number of claims you can file within a given period will vary by the policyholder. However, your roadside coverage may be terminated and barred from renewal if you're found making too many service calls.

Affordable Insurance with Roadside Assistance Plan

How To Request Roadside Assistance

USAA roadside assistance includes 24/7 service across the country. When you need help, there are a couple of ways to receive service:

  1. Call 800-531-855 and speak with an agent.

  2. Submit an online claim.

  3. Submit a claim through the mobile app. USAA says this takes less than five minutes and you can map your location through the app.

Reimbursement

If you've already paid for roadside services outside your policy, you can get reimbursed for any "reasonable fees and charges." Your request for reimbursement can be submitted online, through the mobile app or by calling 210-531-8722. Be sure to have your policy number ready.

How To Add Roadside Assistance to Your Policy

If you're an existing USAA policyholder, you can get roadside assistance through your online account. When you access your online portal, you can review and edit your existing coverages. You can also call 800-531-8722 to speak with an insurance agent.

Pros and Cons of USAA Roadside Assistance

Pros

Cons

Generous tow distance

Limit on number of claims

Affordable


Rental car covered


Pros

  • Generous tow distance: USAA customers can have covered vehicles towed to the nearest repair shop that is qualified within 50-mile proximity — this is quite generous compared to insurance carriers that cover only up to 20 miles.

  • Affordable: At only about $1.50 to $2.00 per month, towing, lockout services and more are available without needing to break the bank.

  • Rental car coverage: Unlike some carriers that strictly cover only vehicles listed in your car insurance policy, coverage extends to when you need roadside assistance while driving a rental vehicle.

Cons

  • Limited number of claims: Like many insurance companies, there is a limit on how many roadside assistance claims you can file within a period. The actual number will vary per policyholder. If you're filing claims excessively, your roadside coverage may be terminated and you may not be able to renew it for another term.

USAA vs. the Competition 


USAA

Liberty Mutual

AAA**

Annual Cost

$18

Quote-based

$53

Service Calls

Varies

6/year

4/year

Tow truck

50 miles

$200*

7 miles

Winching

Yes

No

Yes

Battery Jump-Start

Yes

Yes

Yes

Lockout

Yes

Yes

Yes

Flat Tire

Yes

Yes

Yes

Fuel Delivery

Yes

Yes

Yes

On-scene Labor

1 hour

1 hour

1 hour

Response

60 to 90 min

n/a

21 minutes***

*Covers tow truck costs up to $200
**Based on Classic plan
***Based on requests from California customers

USAA Roadside Assistance FAQs

How do I contact USAA roadside assistance?

USAA allows policyholders to request roadside assistance by submitting a claim either online or through the USAA mobile app. You can also call 210-531-USAA (8722) to speak with a representative.

Do I get free roadside assistance with USAA?

USAA is an optional coverage that you must purchase and add on to your car insurance policy. 

How much does USAA charge for roadside assistance?

USAA roadside assistance costs an additional $1.50 to $2.00 per month on top of your regular auto insurance policy.

Does USAA cover flat tires?

Yes. With roadside coverage, USAA will dispatch a professional for flat tire changes. However, you must have a spare tire at the scene or you may need to request a tow instead.

Can I use my roadside assistance for someone else?

No, other people cannot use your USAA roadside service even if you are a passenger in their vehicle.

Do I have USAA roadside assistance? 

You can review if you have USAA roadside service and other existing coverages by signing into your online account.

How long does USAA roadside assistance take?

USAA reported that service providers typically arrive at the location within 60 to 90 minutes.

How often can I use USAA roadside assistance?

USAA sets a limit on how many roadside service calls you can make within a period, which will vary by the policyholder's coverages and state. Review your policy or speak with an insurance agent to understand your policy's exact limits. USAA may terminate your roadside coverage if you're found filing claims excessively.

How do I get reimbursed for towing with USAA?

Any requests for reimbursement can be submitted through your online account, the mobile app or by calling 210-531-8722. 

Shopping for a Roadside Assistance Plan

If you're a military member or the spouse, child or grandchild of one, USAA roadside assistance has some great advantages for you. However, if you can't qualify for USAA car insurance, we have good news. There are tons of car insurance carriers that offer the roadside coverages you're seeking. But don't make the arduous mistake of shopping for coverage one insurance company at a time. With SmartFinancial, you can compare the lowest auto insurance rates and coverages that include roadside assistance from our 200+ insurance partners with just a few button clicks. Enter your zip below to start your free quote.

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