State Farm’s Emergency Road Service covers up to one hour of mechanical labor where your car breaks down, a tow to the nearest repair facility if the car can’t be driven, a tow out if you’re stuck on or next to a public road, delivery of gas, oil, a battery or a tire change, and up to one hour of locksmith labor. You pay for the items themselves, such as the gas or a new battery.
It’s an optional coverage on your State Farm auto policy. If you have it, the back of your insurance ID card will say “Coverage H.”
Key Takeaways
- Emergency Road Service pays for roadside labor and towing, not parts. Gas, oil, batteries and tires are on you.
- Towing goes to the nearest repair facility where the work can be done. If you want the car taken to your own mechanic farther away, you pay the extra cost.
- State Farm says the average cost is $10 to $20 a year, and that using the coverage will likely result in a claim being filed.
- To get help, call State Farm’s roadside provider at 877-627-5757 or request help online. If your coverage is verified, the provider bills State Farm directly for basic services.
What State Farm Emergency Road Service Covers
State Farm’s Emergency Road Service page lists five services. Here’s what each one pays for and what stays your responsibility:
| Service | What the coverage pays for | What you pay |
|---|---|---|
| Mechanical labor | Up to one hour of labor at the breakdown site | Labor beyond the first hour, and any parts |
| Towing | A tow to the nearest repair location if your car isn’t drivable | The extra cost of towing farther, such as to your preferred mechanic |
| Getting unstuck | Towing your car out if it’s stuck on or immediately next to a public road | Help if the car is stuck somewhere that isn’t on or right next to a public road |
| Delivery | Delivery of gas, oil or a battery, or a tire change, to get the car running again | The gas, oil, battery or tire itself |
| Lockout | Up to one hour of locksmith labor if your key is lost, stolen or locked inside | The cost of a new key and labor past one hour |
State Farm says that with this coverage, “you typically may request help as many times as needed.” It also notes that coverage options may vary by state. State Farm’s Texas policy form, for example, describes the coverage as paying “the fair cost incurred by an insured” for the same labor, towing and delivery services.
What It Doesn’t Cover
- Towing past the nearest repair facility. State Farm says you pay the difference if you’d rather have the car towed to your favorite mechanic.
- Labor beyond the first hour, if the problem turns out to be more than a minor fix.
- Replacement items. Delivery is covered, but the fuel, oil, battery or tire isn’t.
- Repairs at the shop. Once your car is towed, the repair bill isn’t part of Emergency Road Service.
How to Request State Farm Roadside Help
- Get safe first. If you’re in danger or anyone is hurt, call 911.
- Request service. Call State Farm’s roadside service provider at 877-627-5757, or use the “Get Roadside Assistance” option on State Farm’s roadside help page to request help online.
- Confirm your coverage. Look for “Coverage H” on the back of your ID card. You can also check your coverages online or ask your agent.
- Pay only for items you need. State Farm says most of the time the provider bills State Farm directly for basic services, so you may not have to pay upfront. You may still pay for replacement items like tires, gas and batteries.
If you don’t have Emergency Road Service, State Farm says you can still get help, but “you will pay for the services at a competitive rate negotiated by State Farm.”
How Much Does State Farm Emergency Road Service Cost?
In an October 2025 article, State Farm said, “The average cost for roadside assistance from State Farm is $10-$20 per year.” Another State Farm article from the same month describes roadside coverage in general as typically costing $10 to $60 a year. Your price depends on your policy and state, so ask your agent for a quote.
Does Using Emergency Road Service Count as a Claim?
Probably. State Farm’s roadside coverage article says, “When you use this coverage, a claim will likely be filed,” and suggests talking to your insurance company about how that may affect your policy. State Farm doesn’t say on its website whether roadside claims raise premiums. If you expect to call for help often, ask your agent how those claims are recorded.
Is Emergency Road Service Worth Adding?
Whether it’s worth it depends on what you already have. If you have no other roadside plan, a low-cost add-on can spare you from paying for a tow or lockout out of pocket. It makes less sense if you already have roadside help from somewhere else, such as an auto club membership or a new car’s roadside program, since you could end up paying twice for the same service. RateFrog’s roadside assistance guide compares insurer coverage with motor club memberships.
If you’re comparing insurers, Progressive’s roadside coverage tows within a 15-mile radius, and our article on what Progressive roadside assistance covers explains its limits. RateFrog also covers GEICO’s roadside coverage in detail.
Frequently Asked Questions
Does State Farm Emergency Road Service Cover a Flat Tire?
It covers changing the tire, typically by putting on your spare. It doesn’t pay for the cost of a new tire.
Will State Farm Tow My Car to My Own Mechanic?
Only up to the cost of towing it to the nearest repair facility where the work can be done. If your mechanic is farther away, you pay the difference.
How Do I Know If I Have State Farm Roadside Coverage?
Check the back of your State Farm insurance ID card for “Coverage H.” You can also log in to view your coverages or ask your agent.
What Is State Farm’s Roadside Assistance Phone Number?
State Farm lists 877-627-5757 for its roadside service provider. In an emergency where anyone is hurt or in danger, call 911 first.