Marissa Hayes is a technical editor and contributing writer. She holds a Bachelor’s Degree in history, and she was the editor of the literary magazine, The Bluestone Review.

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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

  • Farmers Insurance Roadside Assistance offers emergency, 24-hour service to insured drivers in the U.S. and Canada
  • Farmers’ emergency assistance covers flat tires, dead batteries, towing, and fuel refilling, among other services
  • Farmers Roadside Assistance is an affordable add-on to conventional auto insurance, but it does require a full or comprehensive coverage policy

Farmers Insurance began as a simple car insurance company for farmers. The insurance provider has grown into a multi-line, multi-company insurer and financial services group with a solid reputation. As the seventh-largest auto insurer in the country, Farmers Insurance is well known and insures millions of vehicles nationwide.

A key feature of a Farmers auto insurance policy is the ability to add roadside assistance. Let’s have a look at this benefit program to see if Farmers Roadside Assistance is worth the added cost.

What is Farmers Roadside Assistance?

Roadside assistance is an extra feature available to add to most basic auto insurance coverage policies. Emergency assistance can get you out of trouble should you have an issue with your vehicle. With Farmers Roadside Assistance, you have access to a large network of service and technical professionals to help you in an emergency.

According to the Farmers Insurance website, the company partners with more than 20,000 towing and service companies and 10,000 locksmiths in the U.S. and Canada. These resources can help get you out of trouble whether you have a flat tire, vehicle breakdown, an accident, or just lock your keys in the car.

Farmers Roadside Assistance stands out from the crowd by letting you use the service provider of your choice. Once you have been rescued roadside, you can submit receipts online and be reimbursed by Farmers Insurance. This can come in handy if you have a preferred repair shop or a vehicle with parts that are hard to find.

To receive reimbursement, visit the Farmers Roadside Assistance page of the company website and file a claim. You will need your service receipts, policy number, vehicle and personal contact information, as well as the details of the service provided. You can also submit your Farmers Roadside Assistance claim via fax or email.

Before you decide to enroll in Farmers Roadside Assistance, it is useful to know when emergency assistance is necessary. Have a look at some of the most used roadside assistance services.

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What are the most common types of roadside assistance?

24-hour roadside assistance is available from several insurance providers at an additional cost. Farmers emergency roadside assistance program is no different, so you need to determine if the benefits outweigh the costs. Traditional roadside assistance will cover several situations you may face while driving. These plans will usually cover you whether you are the driver or passenger of the insured vehicle.

There are several possible issues you may face while out on the roads. A few of these issues are among the most common causes of a car breakdown that might require 24-hour roadside assistance. Each of these is covered by Farmers Towing and Roadside Assistance.

If you need a tow truck, you can usually count on your roadside assistance plan to get you to the nearest gas station or repair shop. Farmers 24-hour roadside assistance will cover you for up to $100 worth of towing.

We’ve all had a flat tire. They are difficult to change on the side of the road, and sometimes you need some help. Farmers emergency roadside technicians can inflate, patch, or change a tire on request and get you on your way again.

If your car battery dies or breaks down, you can count on Farmers 24-hour roadside assistance to give you a jump-start or even replace your battery if necessary.

These days many cars use remote locking and keyless entry systems. Still, you may sometimes find you have locked yourself out of your vehicle. If so, Farmers Roadside Assistance can help get you back inside your car.

Using 24-hour emergency roadside assistance is helpful, but is it worth the added cost? We’ve examined Farmers Roadside Assistance to see if the benefits are worth the expense.

What are the benefits of using a Farmers roadside assistance service?

One out of every three drivers in the U.S. has a roadside emergency each year, so it’s wise to be prepared. Depending on your driving habits, the local climate, road conditions in your area, and the type of car you drive, you could need roadside assistance sooner than you think.

If you use your car for daily commuting, business trips, and leisure excursions, then Farmers Insurance Roadside Assistance may be a necessary component of your auto insurance plan.

Farmers Roadside Assistance allows you to travel confidently knowing you have protection against emergencies and breakdowns. This security is available 24 hours a day. Without roadside service, you may be vulnerable to hazardous situations and unwanted extra expenses.

When it comes to the most common types of roadside assistance needed, most providers offer the same emergency service. However, in addition to providing the usual emergency services, Farmers Roadside Assistance includes some unique benefits.

If you run out of gas, you can get a fuel delivery from a Farmers emergency service provider to get you to the nearest service station. And, if your car gets stuck on the side of the road, you can usually call Farmers to get a mechanic to winch you out.

Of course, the benefits of using a Farmers Roadside Assistance service are not unlimited. There is a $150 cap for all emergency services provided per incident. If your particular circumstance should require a more expensive solution, you may be paying out-of-pocket. This can include tows longer than 50 miles or any service that requires more than an hour of work.

Also of note is the three-incident-per-year restriction that Farmers Insurance places on emergency service. This limit is common among the top auto insurance companies, but it’s more restrictive than private motor clubs.

How Farmers Roadside Assistance Can Save You Money

Farmers Insurance does not offer a roadside assistance auto insurance discount, but the program can save you money in other ways. Roadside assistance with Farmers auto insurance is generally quite affordable and can save you money in the long run. If you ever have to pay for a tow or other emergency repair, you will likely find it is more expensive than having Farmers Roadside Assistance.

At only a couple of dollars a month, adding Farmers Roadside Assistance will not break the bank. You will be required to have comprehensive or collision insurance to add the service, so if you carry liability, keep that in mind. Of course, these expanded coverage policies can also save you money in the event of an accident. Farmers also offers a slew of discounts to help you save money with Farmers car insurance coverage.

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How do I get Farmers Roadside Assistance?

If you find yourself in need of emergency assistance, give Farmers an emergency call at 1-800-435-7764. This will put you in touch with a dispatcher who can send help to your location. No matter your location, a provider from Farmers will be on the way with the service you need.

You can also visit Farmers Insurance online and find the page for Farmers Towing and Roadside Assistance. From there you can use the “Get Help Now” feature to get emergency service.

You can also choose to wait for your preferred mechanic or technician. If you do so, you will need to file a claim with Farmers to be reimbursed. Call the Farmers claims phone number, send a fax, or write an email to get the claims process underway.

The Bottom Line on Farmers Roadside Assistance

Having car trouble can be scary and intimidating. It is comforting to know you have support. Farmers Roadside Assistance is available 24/7 for a nominal fee. There are some restrictions and policy requirements, but Farmers Roadside Assistance can save the day if you have an emergency. If you are a Farmers Insurance customer who likes to hit the open road, you might consider adding this feature.