Quick Answer: Farmers Insurance roadside assistance typically covers up to $100 per towing incident with no mileage restrictions through their standard plan. Premium coverage may offer higher limits. You’ll need to pay upfront and submit receipts for reimbursement in most cases.
What To Do When You Need Farmers Insurance Towing
Call Farmers roadside assistance first at 1-800-435-7764 before calling any tow truck. This ensures you follow their process correctly.
Ask the dispatcher about your specific coverage limits when you call. Coverage amounts can vary based on your policy type and add-ons you’ve purchased.
Get the tow truck cost estimate upfront from the driver before they hook up your vehicle. If it exceeds your coverage, you’ll pay the difference.
Keep all receipts if you arrange your own towing. Farmers typically requires receipts for reimbursement claims.
Submit your claim within 30 days through the Farmers app, website, or by calling customer service. Late submissions may be denied.
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What It Might Cost
Standard Farmers roadside assistance covers up to $100 per towing incident. If your tow costs $150, you pay $50 out of pocket. Premium plans may offer $150 or $200 limits, but check your specific policy documents.
Unlike State Farm’s distance-based limits, Farmers doesn’t restrict coverage by mileage. A 5-mile tow and a 50-mile tow both get the same dollar amount coverage. This matters most if you break down in a rural area where the nearest qualified repair shop is 30 or 40 miles out. With a dollar-cap system, you’re not penalized for distance the way you would be under a mileage-cap policy. A rural tow of 40 miles can run $180 or more depending on the region and the towing company’s base hookup fee, which typically starts around $50-$75 before per-mile charges kick in.
If you don’t have roadside coverage, expect to pay full price for towing, which typically ranges from $75-$200 for local distances. Heavy-duty tows for trucks or SUVs often run higher, sometimes $250 or more. Compare this to similar coverage from Progressive or Allstate when shopping for insurance.
One thing to keep in mind: if you call a tow truck on your own without going through Farmers first, you risk the claim being reduced or denied entirely. Always use their dispatch process unless you’re in a genuine safety emergency and can’t reach them.
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Additional Coverage Details
Farmers roadside assistance usually includes up to four service calls per year. This covers towing, jump-starts, lockout service, and flat tire changes. Each service call counts against that annual limit regardless of type, so if you use three jump-starts in a bad winter, you have one towing call left for the rest of the policy year.
The coverage follows your vehicle, not the driver. If someone else is driving your car when it breaks down, they can still use your Farmers roadside benefits. This is worth knowing if you lend your car to a family member on a road trip.
Some Farmers policies automatically include basic roadside assistance, while others require you to add it as an optional coverage. The add-on is usually inexpensive, often just a few dollars per month, but it is not always bundled in by default. Check your declarations page or call Farmers to verify what’s included in your current policy before you assume you’re covered.
If you frequently drive long distances or own an older vehicle prone to breakdowns, consider whether the $100 limit meets your needs. A newer vehicle with a warranty may also have separate roadside coverage through the manufacturer for the first few years, which could supplement or even replace what Farmers offers during that window. Getting reimbursement after paying upfront is common with Farmers, so budget accordingly for initial out-of-pocket costs. Keep a credit card accessible specifically for roadside emergencies so a $150 tow bill doesn’t strand you financially while you wait for reimbursement.
Common Questions
Q: Does Farmers roadside assistance cover towing to any shop I choose? A: Generally yes, as long as you go through their dispatch process. The dollar limit applies regardless of destination, so you can direct the tow to your preferred mechanic rather than the nearest shop.
Q: What happens if I use all four service calls before the year is up? A: You’re responsible for the full cost of any additional calls. At that point, you’d pay the towing company directly out of pocket, typically $75-$200 or more depending on distance and vehicle type.
Q: Does the $100 towing limit reset every policy renewal? A: Yes. Your service call count and dollar limits reset when your policy renews, typically annually. If you’re close to your limit late in the year, it’s worth knowing your renewal date before your next call.
Need roadside help? Visit Tow With The Flow for real answers when your car breaks down.