Quick Answer: Farmers Insurance typically pays $75-100 per towing incident if you have their roadside assistance coverage. Without it, you pay out of pocket. Coverage varies by policy, so check your declarations page for exact limits.
What To Do
Check your policy first - Look at your declarations page or call Farmers at 1-888-327-6335 to confirm you have roadside assistance coverage
Call Farmers roadside assistance - Use 1-800-435-7764 or their mobile app to request towing service
Stay with your vehicle - Wait for the approved tow truck they dispatch
Show your insurance card - The tow operator will handle billing directly with Farmers up to your coverage limit
Pay any overage - If towing costs exceed your policy limit, you’ll pay the difference on the spot
Keep all receipts - Save documentation for any out-of-pocket expenses
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Coverage Details
Farmers roadside assistance typically includes:
- Basic plan: $75 per towing incident
- Enhanced plan: $100 per towing incident
- Premier plan: $150 per towing incident
Distance limits usually cap at 15-25 miles to the nearest qualified repair facility. Longer distances cost extra.
Coverage also includes jump-starts, lockout service, flat tire changes, and emergency fuel delivery.
What It Might Cost
- Monthly premium: $15-25 added to your auto policy
- Annual cost: $180-300 per year
- Without coverage: $75-200+ per tow, depending on distance and time of day
If You Don’t Have Coverage
Call local tow companies directly and compare rates. AAA membership ($60-120 annually) provides similar benefits if you qualify.
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Stay Safe
- Pull completely off the road if possible
- Turn on hazard lights
- Stay inside your vehicle on busy highways
- Have your policy number and location ready when calling
- Never accept towing from unsolicited operators
Need roadside help? Visit Tow With The Flow for real answers when your car breaks down.