Quick Answer: USAA roadside assistance covers towing up to 25 miles for basic coverage and 100 miles for premium plans. Military members get reimbursement up to $100 per incident for basic plans, $150 for premium. You’re covered for 4-6 service calls per year depending on your plan level.
What To Do When You Need USAA Towing
Call USAA roadside assistance at 1-800-531-USAA (8722) before calling a tow truck. Using their network saves money and counts toward your coverage limits.
Know your coverage level. Basic USAA roadside assistance covers 25-mile tows with $100 reimbursement per incident. Premium plans extend to 100 miles with $150 reimbursement.
Stay with your vehicle if safe while waiting for the tow truck. USAA dispatch will give you an estimated arrival time, usually 30-60 minutes in urban areas.
Keep your receipts if you pay out of pocket first. USAA reimburses up to your plan limits when you submit claims through their app or website.
Verify the towing destination with the driver before they hook up your car. Coverage applies to the nearest qualified repair shop or destination within your distance limits.
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USAA Military Towing Coverage Details
USAA offers different towing coverage levels specifically for military families:
Basic Roadside Coverage:
- Towing distance: 25 miles
- Reimbursement: Up to $100 per incident
- Service calls: 4 per membership year
- Coverage area: United States and Canada
Premium Plus Coverage:
- Towing distance: 100 miles
- Reimbursement: Up to $150 per incident
- Service calls: 6 per membership year
- Additional coverage for RVs and motorcycles
Military Deployment Benefits: USAA suspends roadside assistance fees during qualifying deployments and extends coverage for 30 days after return. Your spouse keeps full access to services while you’re deployed.
Distance limits reset with each incident. If your car needs a 30-mile tow on basic coverage, you pay the extra 5 miles out of pocket. Progressive roadside assistance covers how much towing operates similarly with different distance limits.
What It Might Cost
If you stay within USAA limits: Free after annual membership fee ($25-45 depending on coverage level).
If you exceed distance limits: $3-7 per mile beyond your coverage limit, paid directly to the tow truck driver.
Out-of-network towing: Full tow cost upfront (typically $75-200), then USAA reimburses up to your plan limits.
Emergency situations: USAA covers towing from accident scenes to the nearest facility, similar to other insurance companies’ policies when police reports are required.
Military-Specific Coverage Notes
USAA recognizes that military families move frequently and face unique challenges:
- Coverage transfers automatically when you PCS to new duty stations
- No geographic restrictions within the continental US
- Overseas coverage available for military stationed abroad
- Family members on orders get the same coverage levels
- No pre-existing vehicle restrictions for older military vehicles
Your coverage follows you whether you’re stationed in Hawaii, Alaska, or overseas bases where USAA operates.
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Stay Safe
- Never accept rides from strangers while waiting for your tow truck
- Keep your USAA membership card and policy number in your phone
- Download the USAA mobile app before you need roadside help
- Program USAA’s roadside number into your emergency contacts
- Keep a phone charger in your car for emergencies
Need roadside help? Visit Tow With The Flow for real answers when your car breaks down.