When your car breaks down, the peace of mind that comes with having roadside assistance can be invaluable. Whether it’s a flat tire, a dead battery, or a breakdown on a remote highway, knowing help is on the way is reassuring. However, one of the most common questions people ask is: how much does roadside assistance cost?
This comprehensive guide explores everything you need to know about roadside assistance costs, including pricing factors, service types, providers, and tips on choosing the best plan for your needs. By the end of this article, you’ll be equipped to make an informed decision that aligns with both your driving habits and your budget.
Understanding Roadside Assistance: What It Covers
Before diving into cost, it’s essential to understand what roadside assistance typically includes. This service is designed to help drivers in emergency situations when they can’t continue driving to a safe location. Key services usually covered are:
- Flat tire changes – Including the use of a spare tire.
- Battery jump-starts – When your car won’t start due to a dead battery.
- Fuel delivery – If you run out of gas, providers may deliver a few gallons to get you to the nearest station.
- Lockout service – If you’re locked out of your vehicle, assistance can help gain access, though this may have limitations.
- Towing services – Includes towing to the nearest repair facility, though maximum distance may vary by provider.
- Winching services – In case your vehicle is stuck in snow, mud, or dirt.
The availability and extent of these services can affect pricing, so it’s crucial to consider what’s included when comparing different plans.
Factors That Affect Roadside Assistance Costs
There’s no one-size-fits-all answer when it comes to roadside assistance costs. Several factors influence the final price you’ll pay. Here’s a closer look at the main ones:
Type of Service Plan
Different providers offer varying types of roadside assistance plans, ranging from basic to premium coverage. Basic plans typically cover the essentials and cost significantly less than comprehensive ones that include additional features like trip interruption insurance or concierge services.
Individual vs. Family Plans
Providers often offer plans tailored for single users and separate ones for families or multiple vehicles. Naturally, family plans will cost more but offer greater flexibility and support for multiple drivers and cars.
Number of Service Calls
Most plans come with a limit on the number of times you can request assistance per year. Plans with more calls or unlimited service tend to be more expensive. Some providers also offer a “per-use” payment option, which can be cost-effective if you don’t need frequent help.
Geographic Coverage
Cost can also be influenced by where you live or travel. If you frequently drive through rural or remote areas, especially in regions prone to winter storms or rough terrain, you might require services that are more expensive to deploy, such as long-distance towing or winching.
Membership vs. Pay-per-Use Models
Some companies sell annual memberships with unlimited service, while others charge each time you request help. The average pay-per-use fee for a single service call ranges between $50 and $150, depending on the service provided. In contrast, membership plans typically run from $25 to $200 per year, depending on the level of coverage.
Comparing Roadside Assistance Providers and Their Costs
Several companies offer roadside assistance services. Here’s a breakdown of some popular providers, along with their average pricing:
| Company | Basic Plan | Premium Plan | Family Plan | Notes |
|---|---|---|---|---|
| AAA | $59/year | $89/year | $129/year | Includes travel discounts and exclusive benefits. |
| Allstate Motor Club | $35/year | $60/year | N/A | Also offers travel insurance features. |
| Good Sam Roadside Assistance | $19.95/year | $39.95/year | $59.95/year | Popular with RV and trailer owners. |
| Verizon Hum | $14.99/month | N/A | N/A | Includes GPS tracking and vehicle diagnostics. |
| Champion | From $18.95/year | $24.95/year | $34.95/year | Offers coverage for motorcycles, boats, and ATVs. |
This table provides a general overview of pricing structures. Keep in mind that these figures can vary based on geographic location and specific plan features.
Additional Costs to Consider
While the base cost of roadside assistance coverage might seem straightforward, there are a few hidden or additional expenses you should consider when evaluating your options.
Excess Towing Fees
Most basic plans include a limited amount of free towing—typically between 5 and 10 miles. If your vehicle needs to be towed further, most providers charge an additional fee per mile. For example, towing beyond 5 miles might cost $5 to $10 per mile. Always check your policy for these limits.
Parts and Labor
Roadside assistance usually covers the labor to make basic roadside fixes, like changing a tire or jump-starting a battery. However, if you need replacement parts (e.g., a new battery or tire), those costs are generally not included and must be paid separately.
Private Property Service Fees
Services rendered in non-public areas, such as parking lots or private driveways, might incur additional charges. Always verify whether your provider covers service in these locations.
Hourly Charges for Extended Assistance
Some companies charge by the hour if a technician needs to spend more time resolving your issue. For instance, if your engine overheats and takes longer than expected to cool down, the extra wait time could result in a fee.
How to Choose the Right Roadside Assistance Plan
With so many options available, selecting the best roadside assistance plan can feel overwhelming. To make the best decision, consider the following factors:
Identify Your Specific Needs
Are you a daily commuter? Do you take long road trips or drive infrequently? If you’re a high-mileage driver, you may need comprehensive coverage. Conversely, if you drive less often but in remote areas, prioritize quick response times and extended towing distances.
Check Your Current Insurance Coverage
Many auto insurance companies offer roadside assistance as an optional add-on. Check your current policy—sometimes it’s more cost-effective to add it to your insurance rather than buy a separate plan.
Compare Plans and Features
Evaluate each plan not only based on price but also on what’s included. A more expensive plan might include higher towing limits or better coverage in distant areas, which could save you money in the long run.
Read Reviews
Customer reviews can give you valuable insight into the reliability of a provider. Look for reviews about response times, service quality, and ease of use, especially in real-world breakdown situations.
Ask About Membership Perks
Some roadside assistance programs offer additional benefits beyond emergency help, such as travel discounts, hotel deals, and exclusive roadside amenities. Determine if these perks add value for your lifestyle.
Check Availability of Mobile App Features
Providers like Allstate Motor Club and Verizon Hum offer apps that allow you to request help with the press of a button, track your service vehicle, and manage claims digitally. These features can significantly enhance your user experience and efficiency during an emergency.
Different Roadside Assistance Models: Paid vs. Free Options
While most comprehensive roadside assistance plans require payment, some basic and limited services might be offered for free. Here’s a breakdown of free versus paid models:
Free Roadside Assistance Through Auto Insurance
Some auto insurance companies offer limited roadside assistance coverage as a standard feature for policyholders. While helpful, this coverage may be insufficient compared to paid plans—for example, it might cover only battery jump-starts and tire changes without towing.
Free Assistance from Franchised Auto Dealerships
Certain new car dealerships provide a short period of free roadside assistance as part of purchasing a new vehicle—typically between 90 days and 3 years. This coverage is often restricted to vehicles still within their factory warranty.
Free Smartphone App Services
Some companies offer mobile apps with limited free assistance or discounts. For example, app-based car service platforms might provide a coupon for a single free battery jump-start if you’re a new user.
However, for reliable, year-round service, investing in a paid plan is often the better choice, especially if you drive regularly or in unpredictable conditions.
Roadside Assistance for Specialty Vehicles
Not all roadside assistance plans are tailored for regular passenger vehicles. If you own a motorcycle, boat, ATV, or a recreational vehicle (RV), the costs and coverage may vary.
Motorcycle Roadside Assistance
Because handling motorcycles is different from cars, motorcycle-specific roadside assistance plans are often necessary. These plans can range from $20 to $100 annually and include coverage for tire changes, battery jumps, and towing specific to two-wheelers.
Roadside Assistance for RV Owners
RVs and motorhomes have unique service needs due to their size and systems. Plans dedicated to RV owners often cost between $50 and $150 per year and may cover systems like generators, water tanks, and propane.
Boat and Trailer Assistance
Certain providers extend coverage to watercraft and trailers. These services typically offer support in situations like trailer tire changes or launching help for boat trailers. Annual plans range from $30 to $90, depending on the provider and coverage type.
Real-Life Cost Examples and Scenarios
Let’s explore some real-world examples to better understand how roadside assistance costs work:
Example 1: Battery Failure Downtown
John, a city commuter, experiences a dead battery on a snowy morning. He has basic roadside assistance from his insurance. A technician arrives and jump-starts the battery. No additional fees are incurred because the service was covered under his package.
Example 2: Flat Tire on a Rural Highway
Sarah is traveling through a remote area when she gets a flat tire. She has a premium plan with AAA. She receives a tire change and a short tow to the nearest tire shop. Her membership covers the service with no out-of-pocket costs.
Example 3: Frequent Traveler with Limited Coverage
Mark drives long distances weekly but has a limited, paid-per-use roadside assistance. On a road trip across three states, he experiences three breakdown events—battery failure twice and fuel run-out once. He pays $75 per service call, totaling $225 for the year. If he had opted for a $75 annual plan, he’d have saved $150.
These scenarios show how frequency, location, and coverage details can influence the true cost of roadside assistance.
Ways to Save on Roadside Assistance
You don’t have to sacrifice quality service to stay within your budget. Here are some tips to help you reduce the cost of roadside assistance:
Bundle with Existing Insurance or Services
Many insurers offer roadside assistance as an add-on for a nominal fee. It’s often cheaper than a standalone plan, especially if you already have policies like auto, home, or life insurance.
Use Discount Aggregator Services
Services like Amazon Prime members may access exclusive deals, or credit unions may provide discounted rates for roadside help to their members.
Compare Multi-Year Membership Plans
Some providers offer discounts if you commit to multi-year memberships rather than annual ones. For example, a two-year plan could reduce the yearly cost by 15-20%.
Opt for Annual Plans Over Pay-per-Use
If you find yourself calling for assistance more than once a year, switching from pay-per-use to an annual plan will usually provide better value.
Read the Fine Print Before Committing
Always review service contracts thoroughly. Some plans might advertise a low cost but exclude services you may need or apply surcharges for common procedures.
Is Roadside Assistance Worth the Cost?
The answer to this question depends on your driving habits, confidence in your vehicle, and budget.
If you’re a daily driver in a city with easy access to towing companies and emergency services, the financial value of roadside assistance might not seem as essential. However, for those who drive older vehicles, travel long distances, or frequently navigate remote areas, the peace of mind is worth every penny.
In worst-case scenarios, like being stranded on a cold winter night, having immediate assistance can be lifesaving. The average cost of roadside assistance is minimal compared to the cost of emergency repairs if your car breaks down due to lack of timely service.
Conclusion
Roadside assistance is a service that protects against the unexpected and offers valuable peace of mind. Costs can range from less than $20 to over $200 annually, but the right plan tailored to your driving lifestyle can provide excellent value.
Understanding the key pricing factors, comparing providers, and considering additional costs will help you make an informed decision about your roadside assistance plan. Whether you choose a membership-based service, a pay-per-use model, or a specialized plan for an RV or motorcycle, the benefits of having reliable assistance on the road are clear.
Ultimately, preparing for the road’s unknowns ensures you’re always ready, whenever—and wherever—trouble strikes.
What factors determine the cost of roadside assistance?
The cost of roadside assistance is influenced by several factors including the provider, the type of service needed, and the location. Major auto clubs like AAA, insurance companies, and independent roadside assistance services set their own pricing structures based on the scope of coverage and member benefits. For example, services offered through insurance may be tied to policy tiers, whereas auto clubs often base their pricing on membership levels, which can range from basic to premium.
Geographical location also plays a significant role in determining cost. Urban areas with greater competition and accessibility may offer lower rates, while rural or remote areas can incur higher fees due to increased travel time and logistical challenges. Additionally, the time of day and demand during peak hours or bad weather can affect pricing. Some providers offer flat-rate services, while others charge based on distance or the complexity of the job, such as tire changes, jump starts, or towing.
How much does a typical roadside assistance membership cost?
Roadside assistance memberships typically range from $50 to $200 annually, depending on the provider and the coverage included. Basic memberships usually cover essentials like towing up to a certain distance, battery jump-starts, flat tire changes, and fuel delivery. AAA, for instance, offers several tiers—AAA Classic, Plus, and Premier—with increasing levels of service and cost. These memberships often provide benefits beyond roadside help, such as travel discounts, trip-booking tools, and vehicle inspections.
Some providers, particularly insurance companies, may bundle roadside assistance with other services like auto or home insurance. This bundled approach can result in a lower overall cost compared to purchasing roadside help separately. Independent roadside assistance companies may offer similar or more flexible plans, sometimes even monthly payment options, which can be attractive to those looking for short-term coverage without annual commitments.
Is it cheaper to get roadside assistance through insurance or a third-party provider?
When comparing roadside assistance through insurance versus third-party providers, the best options depend on individual needs and current coverage. Insurance companies may include roadside assistance as an optional feature in their auto insurance policies, often for an additional monthly fee ranging from $3 to $10. It’s typically more cost-effective than standalone policies if the driver already has a bundle of insurance services and uses them regularly.
On the other hand, third-party providers like AAA, Good Sam, or A Better Tow offer standalone membership plans that may include broader service area or additional perks. These providers sometimes offer 24/7 coverage and flexible membership terms, including monthly or yearly plans. The choice between insurance coverage and third-party services often comes down to how frequently someone expects to need roadside assistance and whether other insurance or auto club benefits justify the cost.
What additional fees might I encounter with roadside assistance services?
While many roadside assistance memberships cover standard services such as towing, lockout help, and jump starts, additional fees may apply depending on service limitations and specific circumstances. For example, some programs cap the towing distance at 5 or 10 miles; beyond that limit, a per-mile fee will apply. In the case of after-hours or holiday service, certain providers may charge a premium for the labor or dispatch costs.
Other potential fees include charges for services not covered under standard memberships, such as off-road towing, winching, or vehicle extrication. Providers might also charge based on the type of vehicle, with higher fees for motorcycles, trucks, or RVs. It’s important for users to carefully read the fine print of their membership agreement and ask about conditions or service limits to avoid unexpected costs when assistance is needed most.
Can I pay for roadside assistance without being a member?
Yes, it is possible to pay for roadside assistance without having a membership, but the cost can be significantly higher. On-demand services like Urgent.ly or local towing companies often provide pay-per-use options for drivers who don’t have coverage through insurance, an auto club, or a vehicle manufacturer. These one-time use plans typically range from $50 to $200 per service, depending on type, location, and time of day, which makes them less economical for frequent drivers.
While the non-member option offers flexibility for occasional emergencies, it lacks the convenience and peace of mind provided by having automatic coverage at the point of need. Those who don’t want to commit to a membership might consider temporary passes or trial memberships offered by some roadside assistance organizations. These can provide limited-time service for a month or more, allowing drivers to experience the benefits without long-term commitment.
Do car manufacturers offer complimentary roadside assistance?
Yes, many car manufacturers include complimentary roadside assistance as part of their vehicle purchase packages. Typically, this coverage lasts between two to six years, depending on the brand. Luxury automakers like BMW, Audi, and Lexus often include a longer period of assistance as part of their premium customer service. The service usually covers essentials such as towing, flat tire changes, battery jump starts, fuel delivery, and lockout help.
However, the period of free service varies by brand and vehicle model, so it’s important to check with a dealer or owner’s manual for specific details. Once the free period expires, owners often have the option to renew the service for an additional cost. This renewal could be more affordable than third-party programs since it’s directly integrated into the car manufacturer’s system and may offer faster or more tailored assistance for certain vehicle types.
How can I reduce the cost of roadside assistance?
There are several effective strategies to reduce the cost of roadside assistance. One of the most common is bundling it with other insurance policies, such as auto or homeowners insurance, which often results in a lower overall rate. Many insurers offer roadside assistance at a discounted rate or even free with eligible policies. Another option is to look for employer-sponsored or group memberships that provide special rates for organizations or associations.
Additionally, maintaining a personal network of contacts, such as a trusted local tow truck service or mechanic, can provide alternative solutions outside of formal memberships. Proactively maintaining one’s vehicle can also minimize the need for roadside assistance, thereby reducing its long-term value. Finally, regularly reviewing available plans and providers ensures that customers aren’t paying more than necessary, especially when their circumstances or driving habits change.