Quick Answer: When AAA towing coverage runs out, you pay the remaining towing costs directly to the tow truck driver. AAA covers their limit, you pay the rest. No advance notice required. Expect $3-7 per mile beyond your coverage limit, plus any additional service fees.
What To Do When Your AAA Coverage Runs Out
Tell the tow truck driver upfront that you have AAA coverage with specific limits. Most drivers know exactly how this works.
Let AAA dispatch the tow truck even if you know it will exceed your limit. AAA rates are often better than calling a private company directly.
Confirm the overage amount before the tow begins. The driver should tell you exactly what you’ll owe beyond AAA’s coverage.
Pay the driver directly for costs exceeding your limit. Cash, card, or check. No billing through AAA.
Keep all receipts for insurance reimbursement if your auto policy covers additional towing costs.
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Coverage Limits by AAA Membership Level
AAA Classic: 4 tows per year, $100 per tow (roughly 20 miles) AAA Plus: 4 tows per year, $100 per tow plus 3 additional tows up to 100 miles AAA Premier: 4 tows per year up to 200 miles each
When you exceed these limits, you’re responsible for the difference. If your Plus membership covers 100 miles but you need a 150-mile tow, you pay for the extra 50 miles.
What It Might Cost
Beyond AAA limits, expect these rates:
- Local towing: $3-7 per mile
- Hook-up fee: $75-150 (AAA usually covers this)
- After-hours surcharge: $50-100 additional
- Specialty equipment: Extra $100-300 for flatbed or heavy-duty trucks
A 20-mile overage typically costs $60-140 out of pocket. Compare this to AAA towing vs private tow truck costs to see why using AAA first still saves money even when you exceed limits.
Your auto insurance might reimburse towing costs if you carry comprehensive coverage. Check with GEICO, Progressive, or your current insurer about additional towing reimbursement.
Annual Limits Reset
AAA towing limits reset on your membership anniversary date, not January 1st. If you’ve used all your tows in March, you wait until your renewal month for the counter to reset.
Some members upgrade mid-year when they anticipate needing longer tows. The upgrade takes effect immediately, giving you higher limits for future breakdowns.
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Stay Safe
- Never refuse a needed tow because of cost concerns
- Confirm overage charges before the truck moves your car
- Ask the driver for a written estimate if the overage seems excessive
- Remember that roadside assistance vs calling a tow truck direct often favors using AAA first, even with overages
Need roadside help? Visit Tow With The Flow for real answers when your car breaks down.