Is Roadside Assistance Free with Farmers Insurance?
Discover whether Farmers Insurance offers free roadside assistance, its cost, coverage details, and how it compares to competitors. Learn more.
When you’re out on the road, unexpected car troubles can turn an otherwise ordinary day into a stressful situation. This is where having roadside assistance comes in handy. If you’re insured with Farmers Insurance or considering switching, one of the key questions you may ask is, “Is roadside assistance free with Farmers Insurance?”
The short answer is no. Farmers Roadside Assistance is not free; it’s an optional add-on to your auto insurance policy. However, it’s affordable and provides significant peace of mind when you’re dealing with car troubles on the road.
In this article, we’ll dive deeper into what Farmers Roadside Assistance includes, how much it costs, how it compares to other providers, and the process of using it.
What is Farmers Roadside Assistance?
Farmers Roadside Assistance is a service you can add to your auto insurance policy, giving you access to help when you face issues like a dead battery, flat tire, or being locked out of your vehicle. While it’s not automatically included in standard auto insurance policies, adding it can save you a lot of hassle if you frequently travel or want to be prepared for emergencies.
The roadside assistance package is available 24/7, meaning help is always just a phone call away whenever you’re in need.
What Does Farmers Roadside Assistance Cover?
Farmers Roadside Assistance offers several emergency services aimed at getting you back on the road quickly:
- Towing Services : If your vehicle breaks down, Farmers will arrange for your car to be towed to the nearest repair shop.
- Jump-Starting : Whether your battery dies due to cold weather or leaving your lights on, Farmers provides a jumpstart service.
- Lockout Services : Locked your keys inside the car? Roadside assistance covers lockout services.
- Flat Tire Change : If you have a flat tire, roadside assistance will help replace it with your spare (though you’ll need to provide the spare tire yourself).
- Fuel Delivery : If you run out of gas, Farmers will arrange for a fuel delivery to your location, though the cost of the fuel itself is not covered.
- Winching Services : If your car gets stuck in mud, snow, or another tricky situation, a winch service can pull it out.
Farmers Roadside Assistance covers common emergencies that can happen while driving, ensuring you’re never stranded for long.
How Much Does Farmers Roadside Assistance Cost?
While roadside assistance isn’t free with Farmers Insurance, it’s incredibly affordable. On average, it costs about $20 per year to add this coverage to your auto policy. Pricing can vary based on location and other factors, so it’s a good idea to check with a local agent for specific rates in your area.
Considering that a single roadside emergency can cost more than $100 without insurance, this add-on is an economical choice for many drivers.
How Does Farmers Roadside Assistance Work?
If you find yourself in an emergency situation, using Farmers Roadside Assistance is straightforward. You can request help through:
- Farmers Roadside Assistance Phone Number : Call 888-327-6335 to speak to a representative who will arrange the necessary service.
- Online or Mobile App : You can also request assistance via the Farmers website or mobile app, providing your vehicle and policy information.
Once you’ve made the request, a service professional is dispatched to your location. While the average wait time is not guaranteed, it typically takes around an hour for help to arrive. This time can vary depending on your location and the type of service you need.
How Often Can You Use Farmers Roadside Assistance?
Farmers generally allows three to four service calls per year, though the number of service calls may vary based on location. Some regions may not have a limit, but it’s important to check with your local agent to understand the specific terms in your area.
Is Farmers Roadside Assistance Worth It?
If you frequently drive long distances or simply want the peace of mind that comes with knowing help is always available, adding roadside assistance to your Farmers auto policy is likely worth the small additional cost. Here’s a quick comparison of Farmers with other insurance providers:
| Insurance providers | Annual Cost | Number of Service Calls | Towing coverage |
| Farmers | $20 | Varies by location | Nearest repair shop |
| USAA | $18 | Varies | Yes |
| Liberty Mutual | $7-$35 | 6 | $200 |
| AAA (Classic) | $52 | 4 | 7 miles |
As seen in the table, Farmers offers affordable roadside assistance compared to AAA and Liberty Mutual. The services included, such as towing and battery jumpstarts, are standard across most insurers.
How to Add Farmers Roadside Assistance to Your Policy
If you’re already a Farmers policyholder and want to add roadside assistance, here’s how to do it:
- Contact a Local Agent : You can call your local agent or dial the Farmers customer service line at 888-327-6335.
- Use the Farmers Mobile App : Log in to your account and add roadside assistance through the app.
- Go Online : Visit the Farmers website and navigate to your auto insurance policy, where you can add roadside assistance coverage.
The process is simple, and coverage is immediate. You won’t have to wait until your policy renewal to start benefiting from the service.
Pros and Cons of Farmers Roadside Assistance
| Pros | Cons |
| Affordable : Only $20 per year in most locations | Fuel Cost Not Covered : While they deliver the fuel, you’ll need to pay for it |
| 24/7 Availability : Service is available day or night | Service Limits Vary : Some regions may limit the number of service calls you can make |
| Coverage for Multiple Services : Covers common issues like lockouts, flat tires, and dead batteries |
Conclusion
While Farmers Roadside Assistance isn’t free, it’s an affordable and valuable add-on to your auto insurance policy. For just around $20 a year, you can ensure you’re covered in case of common car troubles, such as dead batteries, flat tires, and lockouts. Whether you’re driving cross-country or just commuting to work, having roadside assistance can save you time, money, and a lot of stress.
FAQs
Is Farmers roadside assistance available in all states? No, Farmers does not offer auto insurance in some states, such as Alaska and Hawaii, meaning roadside assistance may not be available in these regions.
Can I use Farmers roadside assistance for a rental car? Yes, roadside assistance can extend to rental vehicles, as long as your personal auto policy includes it.
How do I get reimbursed for roadside assistance with Farmers? If you pay out of pocket for roadside services, you can file a reimbursement claim online by uploading your receipt through the Farmers website or mobile app.
