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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Car Insurance Agent Daniel Walker

UPDATED: Apr 11, 2022

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The Short of It

  • GEICO auto insurance does not cover towing under typical insurance coverage but is available with roadside assistance packages
  • Roadside assistance coverage with GEICO auto insurance costs about $14 per year for each vehicle
  • GEICO offers discounts for bundling coverage with auto, motorcycle, and boat insurance

Car insurance is by no means inexpensive, but getting coverage that includes all challenging circumstances is ideal for most drivers. Roadside assistance and towing coverage may interest drivers who don’t want to be stranded in a vehicular emergency.

It can be challenging to find coverage that includes a broad spectrum of emergency roadside assistance. However, GEICO roadside assistance offers that coverage to drivers.

Though GEICO does not cover towing services on typical auto insurance coverage packages, it has a well-rounded roadside assistance package that includes several services and incentives for only $14 annually. This cost is remarkably inexpensive, considering the many deals available with GEICO, such as bundling coverage and a safe driver auto insurance discount.

GEICO Auto Insurance Covers Towing

GEICO will tow your vehicle to the nearest service location within 20 miles of your vehicle’s location under their roadside assistance coverage. GEICO’s emergency roadside assistance package is available at the inexpensive rate of $14 per year for each vehicle.

From towing services to fuel delivery, GEICO auto insurance has plenty of incentives in its roadside assistance coverage. Roadside assistance with GEICO also includes battery jump-starts, tire changes for drivers who have a working spare, help for those locked out of their vehicle, and vehicle winching for stuck vehicles beside accessible roadways.

Roadside assistance services are easy to access with the GEICO Mobile app, allowing customers to request a tow in minutes. Agents are available 24/7 to help customers with their roadside assistance needs. Additionally, GPS tracking and servicing monitors are enabled to ensure that drivers are safe and have the necessary medical care.

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Types of Towing Covered by GEICO

Whether on land or sea, GEICO has all emergencies covered. Not only does GEICO offer a broad range of services in the emergency roadside assistance package for automobiles, but they also have towing options for boats.

Boat insurance with GEICO can help tow your boat out of any sticky situation. This boat coverage includes 24/7 service hours, fuel delivery, and jump-starts for the boat motor.

The difference between GEICO’s marine emergency assistance and GEICO’s auto roadside assistance is that GEICO has collaborated with a boat towing company to cut consumer costs and eliminate the need for any reimbursements. A towed boat will cost policyholders nothing when they request assistance from the app or over the phone.

Like GEICO auto insurance’s packages with towed cars, boat-towing services can have no out-of-pocket costs and can bundle with other GEICO insurance packages for a discount. Additional discounts may be available for making consistent on-time payments.

GEICO motorcycle insurance packages also come with different categories of coverage, including towing and labor. This part of a motorcyclist’s coverage provides a jump-start to their vehicle and towing, among other services. Unlike GEICO’s roadside assistance package for cars, motorcycle coverage includes towing costs in the monthly rate.

An Overview of GEICO Coverage Types

GEICO is a titan of insurance coverage. With countless offerings for auto insurance, GEICO has policies for every situation and need.

The car insurance coverage types that GEICO offers include liability coverage, medical coverage, uninsured motorist coverage, and vehicle coverage. Other policies can be added to your auto insurance package, like emergency roadside assistance, rental reimbursement, and mechanical breakdown insurance.

Deciding how much car insurance you require or which package to choose depends on your needs, state stipulations, and the amount you’re willing to spend on monthly insurance costs. The first step in deciding which coverage is right for you is knowing what each type of car insurance coverage covers.

Liability Coverage

Auto insurance plans that cover bodily injury liability and property damage liability are essential for many drivers. Bodily injury liability pays for injuries or death sustained in an accident in which you are determined to be at fault.

Property damage liability will pay for any damage caused to surrounding property that resulted from an accident in which you are declared at fault.

Whether a minor or severe accident, you don’t want to be without enough insurance to pay for any lawsuits and legal fees you may incur.

Also, umbrella policies give you extra coverage for severe accidents and legal proceedings from an accident in which you were declared at fault. An umbrella policy is one policy that covers dozens of situations where you may have to pay large sums of money.

Medical Payments Coverage and Personal Injury Protection

GEICO offers coverage for medical payments and personal injury protection. Medical payments coverage pays for medical expenses you may suffer from a car accident.

Personal injury protection coverage is a policy that pays for medical attention, missed work opportunities, and other costs from the accident. Personal injury protection is paid regardless of who is at fault in the accident.

Uninsured and Underinsured Motorist Coverage

Uninsured motorist coverage helps you pay for your injuries and vehicle damage from a driver who is not insured and cannot pay out to fix your vehicle.

Underinsured motorist coverage helps protect you from drivers at fault in an auto accident but do not have enough insurance to pay for injuries or damages.

Vehicle Coverage

Vehicle coverage includes collision coverage and comprehensive coverage. Collision coverage will help pay for your own car’s damage if you’re in a collision. Comprehensive coverage protects you in the event of a weather-related incident, theft, or vehicle vandalism. Comprehensive coverage is ideal when a car part is stolen, like a catalytic converter.

What to Expect From Your Policy and What To Do if You Get a Claim for Towing Services

Emergency roadside assistance with GEICO auto insurance is straightforward. You can access your services and policy information from the GEICO mobile app. With roadside assistance, you can expect access to services like fuel delivery and lockout assistance. You can expect to receive a tow within 60 minutes of your request in the case of a vehicle breakdown.

Even owners of newer vehicles can benefit from the services provided in the emergency roadside assistance packages. While an owner of a newer car may not experience large-scale issues, they may want help with fuel delivery or tire changes offered through GEICO’s roadside assistance.

If you receive a bill for towing services, you may submit a claim for reimbursement online. All requests can be emailed or faxed to GEICO. From there, the insurance company will review the claim and reimburse you based on the confines of your insurance package.

It can be hard to tell how long it takes for an insurance company claim to reach approval. It can take several weeks to approve a towing service reimbursement with GEICO.

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How does GEICO auto insurance cover other services and expenses?

All services provided by GEICO start with filing a claim. A driver may submit a claim for an auto incident, glass damage, or roadside assistance. Then, a claim investigation will begin, and GEICO may request that the driver bring their vehicle to an Auto Repair Xpress location for repair. Alternatively, the insurance company totals a car if repairs are not possible.

Auto Repair Xpress locations handle collision repair services and other assistance. The driver will bring their vehicle to the shop, and the representative will process the claim. The driver can then pick up the car when it is ready.

Rental reimbursement is also available with GEICO and can cover rental car costs of up to $25 per day or $750 per claim. However, rental reimbursement is not the same as GEICO full coverage, which covers rental cars.

Roadside Assistance Is a Small Yearly Cost

Knowing what coverage options are available to you through GEICO can help when a roadside emergency arises. GEICO is the clear choice to cover emergency assistance, costing only $14 per vehicle annually. Drivers can also call customer service to cancel GEICO auto insurance if the coverage is not meeting their needs.

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