state farm roadside assistance review
As an independent insurance agent with Blake Insurance Group, I’ve seen my fair share of roadside mishaps and stranded drivers. It’s never fun to be stuck on the side of the road, whether in the scorching heat of an Arizona summer or dealing with a New York winter storm. That’s why I always discuss roadside assistance options with my clients.
I want to share my thoughts on State Farm’s roadside assistance program today. I’ve helped numerous clients in Arizona, Alabama, Florida, Georgia, New Mexico, New York, North Carolina, Oklahoma, Ohio, Texas, and Virginia navigate their coverage options, and State Farm’s offering often comes up in conversation.
I’m not here to tell you it’s the best option for everyone – that’s not how insurance works. But I can give you an honest, down-to-earth review based on my experience and the feedback I’ve gathered from real policyholders. Whether you’re considering adding this coverage to your existing State Farm policy or just shopping around, I hope this breakdown helps you make an informed decision.
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Customer Reviews
So, let’s dive into what State Farm’s roadside assistance offers, how it performs in real-world situations, and whether it might fit your needs. Remember, at the end of the day, the best coverage is the one that gives you peace of mind when you’re out on the road.
Coverage Details and Benefits of State Farm Roadside Assistance
State Farm Roadside Assistance provides comprehensive services designed to help drivers in emergencies. Here are the key details and benefits of the program:
**Towing Services**:
– **Distance Limits**: Towing is covered to the nearest repair facility, typically within 10 miles. Additional costs may apply if you choose to have your vehicle towed to a specific repair shop further than the allotted distance.
– **Coverage**: Towing is provided if your vehicle breaks down on a public road and cannot be started or driven without causing damage.
**On-Site Mechanical Labor**:
– **Duration**: Up to one hour of on-scene mechanical labor is covered for minor repairs such as battery replacements, electrical problems, transmission issues, and fluid leaks (excluding fuel).
– **Scope**: This includes services like jump-starts, lockout services, and tire changes.
**Battery Jump-Starts**:
– **Service**: Battery jump-starts are included to help get your vehicle back on the road.
**Lockout Services**:
– **Coverage**: Locksmith services are covered for up to one hour if your keys are lost, stolen, or locked inside the vehicle.
– **Cost**: You are responsible for the cost of a replacement key if needed.
**Fuel and Parts Delivery**:
– **Service**: State Farm offers delivery of fuel, oil, tires, and batteries as needed to make your vehicle drivable.
– **Cost**: The cost of the delivered items (e.g., fuel, tires, batteries) is not covered and must be paid for by the policyholder.
**Flat Tire Changes**:
– **Service**: Professional tire changes are provided using a spare tire you have on hand.
**Access and Cost**:
– **Availability**: Services are available 24/7 and can be accessed through the State Farm mobile app, website, or by calling 1-877-627-5757.
– **Cost**: The cost of adding roadside assistance to your policy varies but is generally between $8 and $30 per year.
**Additional Considerations**:
– **Coverage Limitations**: Roadside assistance only applies to vehicles listed in your auto policy and does not cover additional costs beyond the policy limits.
– **Non-Covered Services**: The cost of purchasing replacement items (e.g., tires, gas, batteries) is not covered, and towing costs beyond the policy limit are the policyholder’s responsibility.
Cost and How to Add State Farm Roadside Assistance to Your Policy
State Farm Roadside Assistance is an additional coverage that can be added to your auto policy, providing essential services like towing, battery jump-starts, fuel delivery, and lockout services. Here’s a breakdown of the cost and how to add it to your policy:
Pricing Structure
– **Cost Range**: Adding State Farm Roadside Assistance to your policy typically ranges from $8 to $24 per year, depending on your vehicle and location.
– **Monthly Cost**: This translates to approximately $1 to $2 monthly.
– **Variability**: The actual cost can vary based on your specific policy and location, so it’s best to check with your local State Farm agent for an accurate quote.
Adding to Your Policy
– **Coverage H**: State Farm Roadside Assistance is known as Coverage H and can be added to your existing auto policy.
– **Requesting Assistance**: Once you have Coverage H, you can request assistance through the State Farm mobile app or website or by calling 1-877-627-5757.
– **Without Coverage**: If you don’t have Coverage H, you can still use State Farm’s roadside services at a competitive rate negotiated by State Farm, usually less than what’s available in the market.
Regional Differences
– **State-Specific Costs**: While the general cost range is $8 to $24 per year, there may be slight variations in cost across different states due to local service provider rates and other factors.
– **Availability**: State Farm Roadside Assistance is available in all 50 states, but the specific services and costs may vary slightly by state.
To get the most accurate pricing and to add State Farm Roadside Assistance to your policy, it’s best to contact your local State Farm agent directly. They can provide you with a personalized quote and help you understand how this coverage fits into your overall auto insurance policy.
Comparing State Farm Roadside Assistance to Other Providers
State Farm Roadside Assistance is a valuable add-on to auto insurance policies, offering services like towing, lockout services, fuel delivery, and battery jump-starts. Here’s how it compares to other providers:
**State Farm vs. AAA**
– **Cost**: State Farm’s roadside assistance costs approximately $8 to $24 per year, while AAA memberships range from around $60 to $120 per year, depending on the level of service.
– **Coverage**: AAA provides more comprehensive services, including travel accident insurance, trip interruption, and auto theft rewards, which are not included in State Farm’s basic roadside assistance.
– **Towing**: State Farm typically covers towing up to 10 miles, while AAA offers more flexible towing options, including 100 miles for Plus members and 200 miles for Premier members.
**State Farm vs. Other Insurance Companies**
– **Cost**: State Farm’s roadside assistance is generally priced competitively, ranging from $8 to $24 per year—insurance companies like GEICO and Progressive charge around $14 to $18 annually.
– **Coverage**: Most insurance companies offer similar roadside assistance services, including towing, lockout services, and fuel delivery. However, the specifics of these services can vary, such as towing distances and coverage for additional costs.
**Key Considerations**
– **Response Time**: While State Farm aims to provide quick response times, actual wait times can vary by location. Some users have reported longer wait times and issues with dispatch services.
– **Coverage Options**: State Farm’s roadside assistance covers a range of services but has limitations, such as towing distances and replacement item costs.
– **Cost**: State Farm Roadside Assistance is relatively low compared to AAA but may not offer as many additional benefits.
Comparison Table: State Farm Roadside Assistance vs. Other Major Competitors
| Provider | Cost | Towing Distance | Services Included | Additional Benefits |
|---|---|---|---|---|
| State Farm | $8-$24/year | Up to 10 miles | Towing, lockout services, gas & parts delivery, jump-starts, battery replacements, mechanical labor (up to 1 hour) | Reduced rates for non-covered services |
| AAA | $60-$120/year | Up to 3 miles (Basic), 100 miles (Plus), 200 miles (Premier) | Towing, lockout services, gas delivery, tire replacements, jump-starts, travel accident insurance, trip interruption, winching services, auto theft reward | Discounts on rental cars, travel planning, and other services |
| Allstate | $14-$18/year | Up to 10 miles (Advantage), 100 miles (Elite) | Towing, lockout services, gas delivery, tire replacements, jump-starts, battery replacements | Multiple membership tiers and insurance add-on options |
| GEICO | $14/year | Up to 10 miles | Towing, lockout services, gas delivery, tire replacements, jump-starts | Competitive pricing and flexible payment options |
| Progressive | $10-$18/year | Up to 10 miles | Towing, lockout services, gas delivery, tire replacements, jump-starts | Comprehensive coverage options and competitive pricing |
| FIMC's Auto Hero | $159.99-$265.99/year | Up to 30 miles | Towing, lockout services, gas delivery, tire replacements, jump-starts, auto repair discounts, insurance deductible reimbursements | Unlimited 24/7 roadside assistance, family coverage, and flexible payment options |
How to Request Roadside Assistance from State Farm: A Step-by-Step Guide
State Farm offers 24/7 roadside assistance to policyholders, providing essential services like towing, lockout services, fuel delivery, and battery jump-starts. Here’s how to request roadside assistance from State Farm:
**Step 1: Choose Your Method**
**Mobile App**: Open the State Farm mobile app and tap on the roadside assistance button on your home screen. You will be quickly connected to a dispatcher who can aid you once your coverage is verified.
**Phone Call**: Call 1-877-627-5757 to speak with a State Farm agent or service provider directly.
**Website**: Log into your online State Farm account and request roadside assistance through the website.
**Step 2: Provide Information**
– **Coverage Verification**: Ensure your coverage is verified to avoid upfront costs. State Farm will be billed directly for basic services if you have Coverage H (Emergency Road Service).
– **Location and Issue**: Provide your location and a description of the issue you are experiencing.
**Step 3: Wait for Assistance**
– **Average Wait Time**: Roadside assistance usually arrives within an hour, although wait times can vary by location.
– **Service Provider**: A service provider will be dispatched to assist you and take care of your emergency road service needs.
**Additional Tips**
– **Check Your Coverage**: Ensure you have Coverage H (Emergency Road Service) by checking the back of your insurance ID card, contacting your agent, or logging into your account.
– **Costs**: If you don’t have Coverage H, you will pay for services at a competitive rate negotiated by State Farm, usually less than what’s available in the market.
– **Safety Precautions**: If you are in a dangerous area or someone is hurt, call 911. Move to a safe distance if your vehicle leaks fluids and keep your phone close and charged.
Customer Experience and Satisfaction with State Farm Roadside Assistance
**Key Points:**
**Ranking and Satisfaction**:
– **Low Ranking**: In a study of providers, State Farm roadside assistance ranked 11th overall, with a score of 8.8 out of 10.0 stars.
– **Variable Satisfaction**: Customer satisfaction can be influenced by response times, service quality, and coverage limitations.
**Service Quality and Limitations**:
– **Basic Services**: State Farm offers towing, lockout services, fuel delivery, battery jump-starts, and tire changes, but with limitations such as towing distance restrictions and additional costs for replacement items.
– **Variable Costs**: The cost of State Farm Roadside Assistance varies by location and vehicle, which can lead to confusion and dissatisfaction among customers.
**Customer Experiences**:
– **Positive Experiences**: Some customers have reported positive experiences with State Farm Roadside Assistance, appreciating its affordability and basic services.
– **Negative Experiences**: Others have expressed dissatisfaction due to excessive use leading to coverage removal, inconsistent information from agents, and higher costs for additional services.
Pros and Cons of State Farm Roadside Assistance
**Advantages:**
**24/7 Service**: State Farm offers 24-hour emergency roadside assistance, ensuring help is available whenever needed.
**Nationwide Coverage**: State Farm provides coverage in all 50 states, although specific services and costs may vary by location.
**Comprehensive Services**: The program includes towing, lockout services, fuel delivery, battery jump-starts, and tire changes, as well as one hour of on-scene mechanical labor.
**No Annual Limit on Service Calls**: State Farm does not disclose a maximum cap on how many times you can call in for roadside service, providing flexibility for frequent users.
**Competitive Pricing**: State Farm Roadside Assistance costs relatively low, ranging from $8 to $24 per year, making it an affordable add-on to your auto policy.
**Negotiated Rates**: State Farm negotiates lower rates with local service providers, saving you money even if you don’t have coverage.
**Disadvantages:**
**Towing Distance Limitations**: Towing is generally limited to 10 miles, and additional costs apply if you have your vehicle towed to a specific repair shop further away.
**Service Availability**: While services are available 24/7, wait times can vary by location, and there may be delays in receiving assistance.
**Cost of Replacement Items**: The cost of purchasing replacement items such as tires, gas, and batteries is not covered and must be paid out-of-pocket.
**Limited Locksmith Services**: Locksmith services are limited to one hour, and additional costs apply beyond that time.
**Variable Coverage**: Coverage options and costs can vary by state and agent, which may affect your coverage if you move to a new area.
**Quote-Based Pricing**: State Farm does not disclose a universal pricing structure online, and you must contact a local agent for an accurate quote.
Frequently Asked Questions about State Farm Roadside Assistance
Is roadside assistance available 24/7?
Yes: State Farm Roadside Assistance is available 24 hours a day, 7 days a week. You can request assistance through the State Farm mobile app, website, or by calling 1-877-627-5757.
What’s the typical response time?
Within an Hour: Roadside assistance usually arrives within an hour, although wait times can vary by location.
How do I request roadside assistance?
Multiple Methods: You can request roadside assistance through the State Farm mobile app, website, or by calling 1-877-627-5757.
What services are included in State Farm Roadside Assistance?
Key Services: State Farm Roadside Assistance includes towing, lockout services, fuel delivery, battery jump-starts, and tire changes. It also covers up to one hour of on-scene mechanical labor.
What are the costs associated with State Farm Roadside Assistance?
Cost Range: The cost of State Farm Roadside Assistance typically ranges from $8 to $24 per year, depending on your vehicle and location. If you don’t have Coverage H, you will pay for services at a competitive rate negotiated by State Farm.
Can I use State Farm Roadside Assistance without adding it to my policy?
Yes: Even if you don’t have emergency roadside assistance coverage through State Farm, you can still use their services. However, you’ll be required to pay for services at a competitive rate negotiated by State Farm.
How do I check if I have State Farm Roadside Assistance?
Check Your Policy: You can check the back of your insurance ID card for "Coverage H," contact your agent, or log into your account to view your coverages.
Can I add State Farm Roadside Assistance to my existing policy?
Yes: You can add State Farm Roadside Assistance to your existing policy by contacting your agent or requesting it online.
What are the limitations of State Farm Roadside Assistance?
Key Limitations: There are limitations to the services provided, such as towing distances, costs for replacement items (e.g., tires, gas, batteries), and one-hour limits on locksmith services and on-scene mechanical labor.
What if I need help beyond the covered services?
Additional Costs: If you need services beyond what is covered, you will be responsible for the additional costs. For example, if towing exceeds the policy limit, you will pay the extra cost.
Can I use State Farm Roadside Assistance for vehicles not listed in my policy?
No: State Farm Roadside Assistance only applies to vehicles listed in your auto policy.
What if I have multiple vehicles?
Separate Coverage: Each vehicle must have its own roadside assistance coverage added to the policy.
Can I use State Farm Roadside Assistance for rental cars?
No: State Farm Roadside Assistance does not cover rental cars unless they are specifically listed in your policy.
What if I need roadside assistance outside of the United States?
Not Covered: State Farm Roadside Assistance is only available within the United States and does not cover international travel.
How do I contact State Farm for roadside assistance?
Contact Information: You can contact State Farm for roadside assistance by calling 1-877-627-5757, using the State Farm mobile app, or requesting assistance online.
Blake Nwosu
Owner & Principal Agent
Blake Insurance Group
Phone: (888) 387-3687
Email: [email protected]
Hours: Mon-Fri 9:00 am to 5:00 pm
Sat-Sun: Closed