---
title: "State Farm Roadside Assistance: What Coverage H Pays For"
description: "State Farm roadside help is Emergency Road Service, Coverage H on its car policy. What the policy pays for, the nearest-shop tow rule, who pays and claims."
url: "https://baronauto1.com/car-care/state-farm-roadside-assistance/"
type: "article"
published: "2026-10-26"
modified: "2026-10-26"
site: "Baron Auto"
disclaimer: "This site is under new ownership and is not affiliated with Baron Auto Emporium dealership."
---

# State Farm Roadside Assistance: What Coverage H Pays For

> State Farm roadside help is Emergency Road Service, Coverage H on its car policy. What the policy pays for, the nearest-shop tow rule, who pays and claims.

*Detailing & Maintenance · 22 min read · 4,958 words*

## The short version

- State Farm roadside assistance is Emergency Road Service coverage, listed as “Coverage H” on a State Farm car policy. It is not a motor-club membership. State Farm says the back of your insurance ID card will say “Coverage H” if you have it.
- The policy pays “the fair cost” of five things: up to one hour of labor where the car broke down, a tow to the nearest repair facility where the repairs can be made, pulling a stuck car out if it is on or right next to a public road, delivery of gas, oil, a battery or a tire, and up to one hour of locksmith labor.
- State Farm does not pay for the gas, oil, battery or tire itself, labor past the first hour, or the extra distance if you want the car taken to your own mechanic. The policy booklets we read print no dollar limit and no mileage figure for this coverage.
- Usually you pay nothing at the roadside: once coverage is verified, “State Farm will be billed directly for basic services.” The policy also lets State Farm pay you back instead. Without Coverage H you can still ask State Farm for help and pay a rate it negotiated.
- Using it is likely a claim. State Farm’s own article says “a claim will likely be filed” and to ask how that may affect your policy. No State Farm page we read says whether it changes your premium.
- State Farm puts the average cost at $10-$20 per year; only a quote gives your price. A breakdown far from home does not trigger State Farm’s travel expense coverage, which pays only after a comprehensive or collision loss.

State Farm roadside assistance is a coverage you add to a State Farm car policy, called Emergency Road Service or “Coverage H,” and it pays for a short list of jobs at the roadside. On 26 October 2026 we read State Farm’s [Emergency Road Service page](https://www.statefarm.com/insurance/auto/coverage-options/emergency-road-service-coverage), its [Get Roadside Assistance page](https://www.statefarm.com/claims/get-roadside-assistance), its coverage, rental, rideshare and app pages, four of its roadside articles and its Terms of Use, then the policy wording itself in State Farm’s Illinois and Texas car policy booklets, a Maine booklet posted by the Maine Bureau of Insurance, and two North Carolina market conduct reports. We also reuse what this site recorded on 17 October 2026 from a help center Agero runs for State Farm agents. This site has no commercial relationship with State Farm, Agero or any insurer or roadside company, and we print no phone numbers.

**Figure: What State Farm's Emergency Road Service (Coverage H) does in eight roadside situations**

Eight situations a State Farm driver can be in, each answered from the Emergency Road Service clause in State Farm's Illinois and Texas policy booklets and from statefarm.com's coverage, request, rental and rideshare pages, read on 26 October 2026.

Read from State Farm's policy booklets and statefarm.com on 26 October 2026. Your own policy and endorsements decide; wording can vary by state.

## What State Farm roadside assistance is: Coverage H on your car policy

Some companies sell roadside help as a membership you buy on its own. On the State Farm pages we read, there is no such product. Roadside help is one of the four “physical damage coverages” in State Farm’s car policy, next to comprehensive, collision, and car rental and travel expenses. The Illinois booklet puts it plainly: “This policy provides ... Emergency Road Service Coverage if a premium is shown under ‘Coverage Symbol H’” on the Declarations, the page that lists your cars and coverages. The Maine booklet says the same in fewer words: “Emergency Road Service Coverage if ‘H’.”

So Coverage H is optional: State Farm’s coverage page says roadside assistance “may be added to your existing insurance policy.” To check whether you have it, the request page says “The back of your insurance ID card will say ‘Coverage H’ if you have Emergency Roadside Service coverage,” or you can ask your agent or log in and view your coverages.

The coverage comes from the State Farm insurer that issued your policy. The booklet defines “Our” and “We” as “the Company issuing this policy as shown on the Declarations,” and the roadside pages list three companies at the foot: State Farm Mutual Automobile Insurance Company and State Farm Indemnity Company in Bloomington, Illinois, and State Farm County Mutual Insurance Company of Texas in Richardson, Texas. State Farm’s Terms of Use say State Farm Mutual is “licensed in all 50 states” and “principally engaged in writing automobile insurance,” and give its NAIC number, the code regulators file it under, as 25178.

The dispatch is run by a service provider. State Farm’s pages say only “our service provider” and “our roadside partner.” The help center Agero runs for State Farm agents, as this site recorded it on 17 October 2026, says: “This program is serviced by Agero.” Our page on [Agero roadside assistance](https://baronauto1.com/car-care/agero-roadside-assistance/) explains what Agero is and how its texts and calls look. For membership plans sold by other companies, see our pages on [Allstate roadside assistance](https://baronauto1.com/car-care/allstate-roadside-assistance/) and [Progressive roadside assistance](https://baronauto1.com/car-care/progressive-roadside-assistance/).

## What Coverage H pays for, in the policy’s own words

The web pages are summaries. State Farm’s coverage page ends by saying its descriptions are “not a statement of contract,” and its Terms of Use say the same of every coverage description on the site. The contract is the policy. The Illinois booklet says it “consists of: a. the most recently issued Declarations; b. the policy booklet version shown on that Declarations; and c. any applicable endorsements shown on that Declarations.” Here is its Emergency Road Service clause in full:

> “We will pay the fair cost incurred by an insured for: a. up to one hour of labor to repair a covered vehicle at the place of its breakdown; b. towing to the nearest repair facility where necessary repairs can be made if a covered vehicle is not drivable; c. towing a covered vehicle out of a location where it is stuck if the vehicle is on or immediately next to a public road; d. delivery of gas, oil, battery, or tire necessary to return a covered vehicle to driving condition. We do not pay the cost of the gas, oil, battery, or tire; and e. up to one hour of labor for locksmith services to unlock a covered vehicle if its key is lost, stolen, or locked inside the vehicle.”

That wording is identical in three booklets we read: the [Illinois Personal Car Policy Booklet, form 9813C](https://www.statefarm.com/content/dam/sf-library/en-us/pca-endorsement/auto/9813C.pdf) (copyright 2022), the [Texas booklet, form 9843C](https://www.statefarm.com/content/dam/sf-library/en-us/pca-endorsement/auto/9843C.pdf) (copyright 2024), and a Maine booklet, form 9819B, that State Farm produced for a 2019 data call from the Maine Bureau of Insurance. That is 5 years of booklets with the same five items, by our arithmetic. Other states have their own forms, which we did not read, so check yours: the booklet version is named on your Declarations.

“Fair cost” is State Farm’s measure of what it pays; the phrase appears once in the Illinois booklet and is not defined there.

### Item by item: the policy, State Farm’s pages and the agent help center

State Farm describes the same coverage in three places in slightly different words, and Agero’s agent help center adds a fourth version. Where they differ, the policy is the contract.

**Coverage H item by item: State Farm booklets and statefarm.com read 26 October 2026; Agero’s agent help center as recorded 17 October 2026**

| Item | Policy booklet (Illinois 9813C, Texas 9843C) | statefarm.com coverage and request pages | Agero help center for State Farm agents |
| --- | --- | --- | --- |
| Labor at the breakdown | “up to one hour of labor to repair a covered vehicle at the place of its breakdown” | “Mechanical labor at the breakdown site (up to one hour)”; the request page lists battery replacement, electrical problems, transmission issues, fluid leaks (excluding fuel) and other mechanical issues | “Jump starts, tire changes and other onsite mechanical fixes (1 hour labor)” |
| Tow when the car cannot be driven | “towing to the nearest repair facility where necessary repairs can be made if a covered vehicle is not drivable” | Coverage page: “to the nearest repair location”; request page: “if it’s on a public road and can’t be started or driven without causing damage” | “Towing to the nearest qualified repair facility (plus 20 miles)” |
| Stuck car | “towing a covered vehicle out of a location where it is stuck if the vehicle is on or immediately next to a public road” | “such as in a ditch on a snowy road” | “Winching (if service can be performed safely within 10 feet from paved road)” |
| Gas, oil, battery, tire | Delivery is paid; “We do not pay the cost of the gas, oil, battery, or tire” | Coverage page: “change of tire (but not the cost of these or similar items)”; request page: “delivery is covered, not the cost of the items themselves” | Not in the answer we recorded |
| Lockout | “up to one hour of labor for locksmith services” if the key is lost, stolen or locked inside | “Locksmith labor ... (up to one hour)” | Not in the answer we recorded |

Three differences matter. The request page puts a public-road condition on the ordinary tow; the booklets put it only on pulling a stuck car out (item c). State Farm’s pages never say winching; the help center does, with a 10-foot distance no State Farm document prints. And the help center’s “plus 20 miles” appears nowhere on statefarm.com or in the booklets, which say only “nearest.” The help center describes how Agero runs the program; the policy says what the insurer promises.

Jump starts are not a separate policy item. The request page offers “Jumpstart” as a request type, State Farm’s article says roadside help “can provide a jump-start,” and the request page puts battery replacement inside the hour of mechanical labor. A battery that keeps going flat is a different problem; our page on [symptoms of a bad battery](https://baronauto1.com/car-care/symptoms-of-a-bad-battery/) explains why, and [how to jump-start a car](https://baronauto1.com/car-care/how-to-jump-start-a-car/) covers doing it yourself when that is safe.

## What Coverage H does not pay for

State Farm’s coverage page names two limits outright. It does not pay “Towing costs beyond what it would cost to tow your vehicle to the nearest repair facility if you prefer that your car be taken to your favorite mechanic,” or “Labor costs beyond the first hour, if your issue is more than a minor fix at the breakdown site.” For the rest it says to “check your policy for additional coverage limitations.”

**The parts themselves.** Gas, oil, a battery or a tire are delivered, but “We do not pay the cost” of any of them. If the battery has to be replaced, it is yours to buy; our page on [car battery warranties](https://baronauto1.com/car-care/car-battery-warranty/) explains when a store or maker replaces one free.

**The repair.** Beyond the first hour of labor at the roadside, nothing in the clause pays to fix what failed. The exclusions for the physical damage coverages, the group that includes Emergency Road Service, also list “ANY PART OR EQUIPMENT OF A COVERED VEHICLE IF THAT PART OR EQUIPMENT: a. FAILS OR IS DEFECTIVE” or is damaged by wear and tear, freezing, or mechanical, electrical or electronic breakdown (exclusion 13). Paying for breakdown repairs is a different product; see our page on [mechanical breakdown insurance](https://baronauto1.com/financing/mechanical-breakdown-insurance/#what-it-is).

**Figure: Annotated photograph**

Three numbered callouts over the photograph mark the spare tire, the jack and the open trunk, each with one fact from State Farm’s Emergency Road Service page and policy booklets.

State Farm’s Emergency Road Service page and policy booklets, read on 26 October 2026: A flat gets a tire change or delivery under Coverage H; the tire itself is not paid for (callout 1); Coverage H pays for up to one hour of labor where the car broke down (callout 2); The tow goes to the nearest repair facility where necessary repairs can be made (callout 3). The photograph is illustrative.

**Cars carrying paying passengers, or rented out.** The physical damage exclusions start with “THERE IS NO COVERAGE FOR” any covered vehicle “WHILE IT IS RENTED TO OR LEASED TO OTHERS, BY AN INSURED, INCLUDING PERSONAL VEHICLE SHARING, PEER-TO-PEER CAR SHARING OR OTHER SIMILAR PROGRAM,” or while it is “MADE AVAILABLE” or “BEING USED TO CARRY PERSONS FOR A CHARGE,” except “a private passenger car on a share-the-expense basis.” State Farm’s rideshare driver coverage, “the same as the 6015 TNC endorsement,” extends Emergency Road Service “if you selected these options on your personal auto policy.”

**Racing, and double payment.** Exclusion 19 removes cover in “ANY PREARRANGED OR ORGANIZED RACING CONTEST, SPEED CONTEST” and similar events. The booklet also will not pay an expense the insured “has already received payment” for from a party who is legally liable, and if another source’s “similar coverage” applies as primary to the same expense, State Farm pays only a proportion.

**Check the shop before you agree to the tow.** Coverage H pays the tow to “the nearest repair facility where necessary repairs can be made.” If you ask for your own mechanic farther away, State Farm’s page says the extra cost is not covered, and Agero’s agent help center says the most common reason a customer is charged is “selecting a tow destination that exceeds their policy’s coverage limit.”

## The towing rule: nearest repair facility, and who pays for extra miles

Everything in Coverage H’s tow turns on one phrase: “the nearest repair facility where necessary repairs can be made.” The destination is set by distance and by whether the shop can do the repair, not by your preference. State Farm’s coverage page gives its own example: “Say your car breaks down on the highway and can’t be repaired right away. The coverage helps pay to tow it to the nearest garage for inspection.” If you want it taken somewhere else, the page excludes the difference.

How the difference is collected comes from Agero’s help center for State Farm agents, which this site read on 17 October 2026. It describes the tow as “Towing to the nearest qualified repair facility (plus 20 miles),” and says that when payment is needed “a hold is placed on their credit card for the overage,” charged only when the job is completed; on a cancelled job the hold “will typically fall off within 3-7 business days.” It also mentions “rare instances where we may be unable to confirm coverage at the time of the request.” Since no State Farm document prints a mileage figure, ask before the truck leaves which shop counts as nearest and what will be held on your card.

A crash is handled differently. After a loss that comprehensive or collision coverage pays for, the booklet’s supplementary payments cover a tow “for a reasonable distance from the location of the loss to any one repair facility chosen by an insured or the owner.” That is a shop you choose, not the nearest one. When one expense is payable under more than one physical damage coverage, “only the one coverage that pays the most for that loss or expense applies.”

## Who Coverage H covers, and in which cars

The booklet’s physical damage section has its own definitions. “Insured means you and resident relatives.” A resident relative is a person “who resides primarily with the first person shown as a named insured on the Declarations” and is related “by blood, marriage, or adoption,” including “your unmarried and unemancipated child who is away at school,” or is “a ward or a foster child.”

The coverage follows covered vehicles. The ones that matter at the roadside:

- **Your car**, but only “for those coverages for which a premium for that your car is shown” under the matching coverage symbol. Check the line for each car on your Declarations.
- **A newly acquired car** or a **temporary substitute car**, again “if a premium is shown under the corresponding ‘Coverage Symbol’.” A temporary substitute is a car that replaces yours “for a short time while that car is out of use due to its: a. breakdown; b. repair; c. servicing; d. damage; or e. theft,” and that neither you nor the driver own or have registered.
- **A non-owned car**, such as a car you borrow, “while it is: (1) being driven by an insured; or (2) in the custody of an insured” under the conditions printed. A car does not count as non-owned if you or a resident relative had it “during any part of each of the 31 or more consecutive days” before the breakdown, or if it is owned by you, a resident relative, anyone else who lives primarily in your household, or an employer of any of them.

“Car” itself means “a land motor vehicle with four or more wheels, designed for use primarily on public roads.” State Farm’s coverage page says the help applies whether your vehicle is “a car, truck, or electric vehicle.” Neither the booklets nor the pages we read mention charging an electric car at the roadside; the delivery item lists gas, oil, a battery and a tire. If you drive an electric car, ask your agent how a flat traction battery is handled before you need it.

## How a roadside request works, as State Farm describes it

State Farm gives three ways in. Its coverage page says “Either request roadside assistance from State Farm online or call” a number it prints; the request page says “Contact our service provider” at a number. We do not reproduce either. The third route is the State Farm app, which its FAQ says works without registering on statefarm.com, with Roadside Assistance among the features open that way. The coverage page says “Over 500,000 State Farm customers have used our app to request roadside assistance,” and Agero’s agent help center calls the app the route “For the best service.”

The request page sorts jobs into six types: Tow, Locksmith, Gas or Oil, Jumpstart, Change Tire and Other. Then, it says, “a service provider will be dispatched to assist you and take care of your Emergency Road Service need.” The coverage page says help is “available 24/7 for towing and labor services.” On waiting times, State Farm’s pages print no figure; Agero’s agent help center says State Farm has had “a national average of 48 minutes consistently since the start of 2025,” and that State Farm customers wait “two minutes faster than other comparable carriers.” It puts the complaint rate “less than 1%.” Those are the help center’s claims; we found nothing from State Farm to check them against.

The help center also lists a “One-time, pre-paid Lyft voucher - up to $30 and valid for 24 hours,” offered by text once a job is accepted, and says a tow operator you already know can be added to the network “If your preferred service provider qualifies.” Neither detail appears on statefarm.com.

## Do you pay first? Direct billing, overages and being paid back

Usually not. The request page says: “If your coverage is verified, you will not bear the up-front financial burden as State Farm will be billed directly for basic services.” Its FAQ is softer: “Most of the time, the provider will bill State Farm directly.” You may still pay for “replacement items such as tires, gas, and batteries.”

The policy keeps both routes open. In its payment options, the Illinois booklet says that for Emergency Road Service “We may, at our option, make payment to one or more of the following: a. You; b. The insured who incurred the expense; or c. Any party that provided the service for which payment is owed.” The Texas booklet adds a qualifier to the last option: “unless directed otherwise by the insured.” So State Farm can pay the tow company or pay back the insured who paid. No State Farm page we read describes a reimbursement form or deadline. The booklet’s general duty applies: “Any person or organization making claim under this policy must, when we require, give us proof of loss on forms we furnish.” If you ever pay a tow yourself, keep the itemized receipt and ask your agent how to submit it.

**Who pays for a roadside call (State Farm documents read 26 October 2026; Agero help center recorded 17 October 2026)**

| Situation | What the document says | Where |
| --- | --- | --- |
| Coverage H verified, basic service | “State Farm will be billed directly for basic services” | Get Roadside Assistance page |
| Gas, oil, battery or tire | “We do not pay the cost of the gas, oil, battery, or tire” | Policy booklets |
| Tow past the nearest facility | Excludes “Towing costs beyond what it would cost to tow your vehicle to the nearest repair facility” | Emergency Road Service page |
| Labor past one hour | Excludes “Labor costs beyond the first hour” | Emergency Road Service page |
| An overage at dispatch | “a hold is placed on their credit card for the overage,” charged only when the job is completed | Agero help center for State Farm agents |
| No Coverage H | “you will pay for the services at a competitive rate negotiated by State Farm” | Get Roadside Assistance page |
| Who the insurer may pay | “You,” “The insured who incurred the expense,” or “Any party that provided the service” | Policy booklets (Texas adds “unless directed otherwise by the insured”) |

## Does using State Farm roadside assistance count as a claim?

State Farm’s own article on the cost of roadside help answers this: “When you use this coverage, a claim will likely be filed. Talk to your insurance company about how this may impact your policy.” The request page sits in the Claims section of statefarm.com. What we could not find is any State Farm statement on whether a roadside claim changes your premium; no page, article or booklet section we read says it does or that it does not. Ask your agent before you need the coverage, and note the answer.

On how often you can use it, the coverage page says: “With roadside assistance from State Farm, you typically may request help as many times as needed.” The booklets print no count or dollar limit for this coverage: their physical damage contents have “Limit” headings for comprehensive and collision and for car rental and travel expenses, and none for Emergency Road Service. The limits are inside the clause itself.

## What it costs, and what happens if you do not have Coverage H

State Farm prints one figure. Its Simple Insights article says: “The average cost for roadside assistance from State Farm is $10-$20 per year.” By our arithmetic that is about 83 cents to $1.67 a month. It is an average, not a price: the request page says “we can’t tell you what you’ll pay before giving you a quote.” We did not start a quote, and state rate filings sit behind search forms this site does not use.

Without Coverage H you can still ask State Farm for help. The request page says: “If you do not have Coverage H (Emergency Road Service), you will pay for the services at a competitive rate negotiated by State Farm. This rate will usually be less than what is available in the market.” State Farm prints none of those rates, and the pages do not say whether you must hold a State Farm policy to use this.

A breakdown far from home is where drivers often expect more. State Farm’s travel expenses coverage pays for “meals, lodging, and transportation home or to your destination - up to $500 per loss” only for damage “done more than 50 miles from home that’s covered by your comprehensive or collision insurance.” The booklet agrees: the loss must be one “which would be payable under Comprehensive Coverage or Collision Coverage.” A mechanical breakdown is neither, and the rental page lists a vehicle “disabled in an incident that isn’t covered by either your comprehensive or collision insurance” as not covered. Coverage H gets the car to a shop; it does not pay for the wait.

## Regulator records, and where State Farm’s own pages disagree

Insurance is regulated state by state, so the public record for a coverage like this is mostly the policy forms insurers file. The Maine Bureau of Insurance posts a [State Farm Car Policy Booklet, form 9819B](https://www.maine.gov/pfr/insurance/themes/insurance/pdf/pdf2/statefarm_companies/statefarm_mutual_auto/auto_081419.pdf), marked “Produced pursuant to data call from Maine Bureau of Insurance regarding automobile insurance dated July 30, 2019.” Its Emergency Road Service clause matches the Illinois and Texas booklets word for word, and its payment options match Illinois. We also read two North Carolina Department of Insurance market conduct reports on State Farm Mutual and State Farm Fire and Casualty, as of May 2, 2014 and March 10, 2022 (the second a claims examination covering 2019 and 2020). A text search of both found no mention of road service, roadside help or towing. Delaware’s insurance site rejected our request. Our searches found no court record or regulator action about State Farm’s Emergency Road Service; that is a search result, not a clearance.

Reading State Farm’s pages against each other turned up nine places where they disagree, or where the agent help center says more than State Farm does. The item table above shows four: the tow’s road condition, its distance, the stuck car and tires. The other five:

**Where State Farm’s documents disagree, read 26 October 2026 (Agero help center as recorded 17 October 2026)**

| Topic | One document | Another |
| --- | --- | --- |
| Claims handled each day | Emergency Road Service page: “24,400 claims daily” | Rental and rideshare pages: “28,000+ claims daily” (a gap of 3,600 a day, our arithmetic) |
| The coverage’s name | Policy and coverage page: Emergency Road Service | Request page FAQ: Emergency Roadside Service; Agero: Emergency Roadside Services |
| Paying up front | Request page: “you will not bear the up-front financial burden” | Booklets: State Farm may pay you, the insured who paid, or the provider; Agero: a card hold for any overage |
| Travel expenses | Coverage options page: “if you’re in an accident more than 50 miles from home” | Booklet and rental page: a comprehensive or collision loss more than 50 miles from home |
| Cost | Article: “$10-$20 per year” on average | Request page: “we can’t tell you what you’ll pay before giving you a quote” |

## Before you need it: a checklist, and what to do at the roadside

State Farm’s breakdown article puts safety first: if you cannot reach a shoulder, “turn on your hazard lights and stay inside your vehicle. It’s generally safer to remain in your car than to attempt crossing a high-speed highway.” Its request page adds: “If you’re in a dangerous area or someone is hurt, call 911,” and keep your phone charged because State Farm “or our roadside partner” may call or text. If your car has [run-flat tires](https://baronauto1.com/car-care/run-flat-tires/), our page explains why it may carry no spare to change.

- **Look for “Coverage H” on each car.** Check the back of the ID card, your online account, or ask your agent.
- **Find your booklet.** Its version is on your Declarations; other states’ wording can differ from the booklets we read.
- **Save the request route now.** The State Farm app offers roadside help without registering; the coverage and request pages print the phone line.
- **Know which shop counts as nearest.** Ask before the truck leaves what a tow to your own mechanic would add.
- **Carry a way to pay.** Fuel, a battery or a tire are yours to buy, and an overage can be held on a card until the job is done.
- **Ask about claims and premium.** State Farm says a claim will likely be filed; ask your agent what that means for your policy.
- **Driving for a rideshare app?** Check that the rideshare endorsement is on your policy and that you chose Emergency Road Service.
- **Keep receipts.** If you pay a provider yourself, the policy lets State Farm pay you back and ask for proof of loss.

## Common questions

### Do I have roadside assistance with State Farm?

Only if Emergency Road Service, Coverage H, is on your policy for that car. State Farm says the back of your insurance ID card will say “Coverage H” if you have it. Without it, you can still request help and pay a rate State Farm negotiated.

### What does State Farm roadside assistance cover?

“The fair cost” of up to one hour of labor at the breakdown, a tow to the nearest repair facility that can do the repair, pulling a stuck car out if it is on or immediately next to a public road, delivery of gas, oil, a battery or a tire (not the item itself), and up to one hour of locksmith labor.

### Does State Farm roadside assistance count as a claim?

State Farm’s own article says “When you use this coverage, a claim will likely be filed” and to talk to your insurer about how this may affect your policy. We found no State Farm statement on whether it changes your premium.

### How far will State Farm tow my car?

The policy says to “the nearest repair facility where necessary repairs can be made.” No State Farm document we read prints a mileage figure; Agero’s agent help center (recorded 17 October 2026) says “plus 20 miles.” A longer tow to a shop you prefer is not covered.

### How much does State Farm roadside assistance cost?

State Farm’s article gives an average of $10-$20 per year; only a quote gives your price. At the roadside, basic services are billed to State Farm once coverage is verified; fuel, a battery or a tire, and any tow or labor past the limits, are yours.

### How do I call State Farm roadside assistance?

Use the State Farm app, the online request page, or the phone line printed on State Farm’s Emergency Road Service and Get Roadside Assistance pages. We do not print phone numbers. If you are in a dangerous area or someone is hurt, State Farm says to call 911.

## Sources and further reading

- [FTC: auto service contracts and warranties](https://consumer.ftc.gov/articles/auto-warranties-and-auto-service-contracts)

Recall, complaint and safety-rating figures on this page were retrieved from the federal databases above on August 19, 2026. Federal data changes — re-check any VIN before you rely on it.

---

*This site is under new ownership and is not affiliated with Baron Auto Emporium dealership.*

Canonical source: https://baronauto1.com/car-care/state-farm-roadside-assistance/