Roadside assistance is an inexpensive optional coverage that pays for towing, battery jump-starts, flat-tire changes, lockout service, and fuel delivery when your car breaks down.
Optional Add-On
By the Home & Dime Editorial Team · Updated 2026
What it covers
- Towing to a repair shop.
- Jump-starts and battery service.
- Flat-tire changes and lockout help.
- Emergency fuel delivery.
Common exclusions
- Repair costs at the shop
- Pre-existing breakdowns
- Non-emergency towing
State considerations
Availability and pricing are consistent across states; it’s usually a few dollars a month.
Claim tips
- Add it before you need it.
- Know your policy’s towing distance limit.
- Keep your insurer’s roadside number handy.
Frequently asked questions
Is it worth it?
For a few dollars a month, usually yes if you don’t have another auto club.
Does it cover repairs?
No — only the roadside service, not the repair.
Related guides
Sources: Insurance Information Institute (iii.org); Consumer Financial Protection Bureau; FEMA; state Departments of Insurance. General information, not insurance advice.
Part of our Auto Insurance guide
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