Quick Answer: State Farm’s roadside assistance typically covers $100-200 per towing incident with no annual dollar limit, but limits the number of service calls per year. Standard coverage includes 4-6 service calls annually, while enhanced plans may offer unlimited services.
What Your State Farm Towing Coverage Includes
State Farm offers roadside assistance through two main options:
- Basic Roadside Coverage: Usually 4 service calls per year, $100-150 per tow
- Enhanced/Premium Coverage: 6+ service calls per year or unlimited, $150-200+ per tow
The annual limit isn’t a dollar amount. It’s based on service incidents.
What To Do When You Need Towing
- Call State Farm’s roadside number: 1-877-SF-CLAIM (1-877-732-5246)
- Provide your policy number and location
- Specify you need towing service
- Ask for confirmation of your remaining service calls for the year
- Get the tow truck company’s name and estimated arrival time
- Keep all receipts if you pay upfront
Photo: Pexels
Coverage Details That Matter
Distance limits: Most policies cover towing to the nearest qualified repair facility, typically 15-25 miles included.
Excess distance: You pay per-mile charges beyond the included distance, usually $3-5 per mile.
Service call resets: Your annual service calls reset on your policy anniversary date, not January 1st.
What It Might Cost
- Monthly premium: $15-35 added to your auto policy
- Out-of-pocket towing: $75-200+ without coverage
- Excess mileage: $3-5 per mile beyond included distance
When Coverage Doesn’t Apply
State Farm roadside assistance excludes:
- Towing due to accidents (covered under collision/comprehensive)
- Commercial vehicles over certain weight limits
- Off-road recovery in some policies
- Towing to your preferred shop if farther than nearest facility
Photo: Pexels
Stay Safe
• Keep your State Farm app updated with current location services • Store the roadside assistance number in your phone • Know your policy number and have it accessible • Ask about remaining service calls before using coverage • Verify tow destination with the driver matches your choice
Need roadside help? Visit Tow With The Flow for real answers when your car breaks down.