Quick Answer: Allstate roadside assistance covers towing costs up to $100 per incident with standard coverage, or up to $200 with enhanced coverage. You get up to 15 miles of towing distance included. If your tow costs more or goes farther, you pay the difference out of pocket.
What Allstate Covers for Towing
Allstate offers two levels of roadside assistance towing coverage:
Standard Coverage:
- Up to $100 per towing incident
- Covers towing distance up to 15 miles
- Available 24/7, 365 days per year
Enhanced Coverage:
- Up to $200 per towing incident
- Covers towing distance up to 15 miles
- Includes additional roadside services
The coverage applies whether your car breaks down on the highway, in a parking lot, or at your home. Allstate pays the towing company directly up to your coverage limit.
What You Pay Out of Pocket
You pay the difference if:
- Towing costs exceed your coverage amount ($100 or $200)
- You need to be towed farther than 15 miles
- You use roadside assistance more than your annual limit allows
For example, if your tow costs $150 and you have standard coverage, you pay $50. If you need a 30-mile tow, you typically pay for the extra 15 miles at the towing company’s per-mile rate.
How to Use Your Allstate Towing Benefit
- Call Allstate’s roadside assistance number (found on your insurance card or app)
- Provide your policy number and location
- Confirm which repair shop or destination you want
- Wait for the dispatch confirmation and estimated arrival time
- Show your ID to the tow truck driver when they arrive
Allstate typically arranges for a tow truck to arrive within 30-60 minutes in urban areas, longer in rural locations.
What It Might Cost
If your needs exceed Allstate’s coverage:
- Additional mileage: $3-7 per mile beyond the 15-mil
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e limit - Excess towing fees: You pay anything over your $100 or $200 limit
- Towing costs can vary significantly by location, especially during peak hours or emergencies
When Allstate Won’t Cover Towing
Allstate roadside assistance excludes:
- Vehicles over 10,000 pounds gross vehicle weight
- Motorcycles (unless specifically added to your policy)
- Vehicles used for commercial purposes
- Towing due to accidents covered under your collision coverage
- Vehicles stuck in snow, mud, or sand (winching situations)
For accident-related tows, your collision coverage typically handles the cost differently than roadside assistance.
Comparing Allstate to Other Options
Allstate’s towing coverage is middle-tier compared to competitors. State Farm offers similar distance limits, while some insurers provide unlimited mileage within certain geographic areas.
Before calling Allstate, check if you have other roadside coverage through:
- AAA membership
- Credit card benefits
- Vehicle manufacturer warranty
- Other insurance policies that might offer better coverage
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Stay Safe
- Move your vehicle off the roadway if possible before calling for help
- Turn on hazard lights and set up flares or reflectors if you have them
- Stay inside your vehicle if stopped on a busy highway
- Never accept help from strangers who stop to offer assistance
- Keep your insurance card and roadside assistance number easily accessible
Need roadside help? Visit Tow With The Flow for real answers when your car breaks down.