Yes, car insurance can cover towing, but it is almost never included in a standard policy. You typically need to add it as an endorsement, often bundled into a roadside assistance package. The key is to understand what your specific policy includes before you're stranded on the side of the road.
Coverage usually falls into two categories. First, if your vehicle is disabled due to a covered incident like a car accident, the towing to a repair shop is often included under your collision coverage. Second, for mechanical breakdowns (like a dead alternator or a flat tire), you need a specific roadside assistance add-on. This add-on generally covers towing, jump-starts, lockout service, and fuel delivery.
It's critical to check the details. Most policies have a maximum towing distance per incident (e.g., 10-15 miles) and a set number of service calls per year. If you exceed the distance, you pay the difference. Here’s a quick comparison of typical coverage from major insurers:
| Insurance Provider | Common Towing Distance Limit | Typical Annual Service Call Limit | Typically Included In |
|---|
| State Farm | 15 miles | 3-5 calls | Roadside Assistance Package |
| Geico | 15 miles | 4 calls | Emergency Road Service (ERS) |
| Progressive | 15 miles | 5 calls | Roadside Assistance Add-on |
| Allstate | 10-25 miles (varies) | 4-6 calls | Roadside Help Protection |
| USAA | Up to 50 miles (for military) | 3 calls | Vehicle Towing & Labor |
The cost-benefit is worth considering. Adding roadside assistance usually only costs $5-$15 every six months. Compared to a single tow bill that can easily exceed $100, it's a very cost-effective addition for most drivers, especially if you drive an older vehicle or commute long distances.
