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.
If you don’t have roadside coverage, expect to pay full price for towing, which typically ranges from $75-$200 for local distances. Compare this to similar coverage from Progressive or Allstate when shopping for insurance.
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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.
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.
Some Farmers policies automatically include basic roadside assistance, while others require you to add it as an optional coverage. Check your declarations page or call Farmers to verify what’s included in your current policy.
If you frequently drive long distances or own an older vehicle prone to breakdowns, consider whether the $100 limit meets your needs. Getting reimbursement after paying upfront is common with Farmers, so budget accordingly for initial out-of-pocket costs.
Need roadside help? Visit Tow With The Flow for real answers when your car breaks down.