Towing insurance is an often-overlooked aspect of vehicle ownership, but it can save you from costly roadside emergencies. Whether you’re dealing with a breakdown, an accident, or a simple dead battery, having a towing policy can make all the difference. Partnering with a reliable towing company ensures that when trouble strikes, help arrives quickly and efficiently. But is it really necessary? Let’s break down what towing insurance covers, how it works, and whether it’s worth adding to your auto policy.
What Is Towing Insurance?
Towing insurance, sometimes referred to as roadside assistance coverage, is an optional add-on to your auto insurance policy. It covers the cost of towing your vehicle to a repair shop or another location if it becomes undrivable. Some policies also include additional services like battery jumps, flat tire changes, fuel delivery, and lockout assistance.
What Does Towing Insurance Cover?
Depending on your provider, towing insurance may cover:
- Towing services (within a specified mileage or cost limit)
- Battery jump-starts
- Flat tire changes
- Fuel delivery if you run out of gas
- Lockout services if you’re locked out of your car
- Winching and extrication if your car gets stuck in mud, snow, or a ditch
The exact coverage details will vary depending on your insurance provider and policy. Some companies offer towing insurance as a standalone policy, while others bundle it with roadside assistance programs.
Is Towing Insurance Worth It?
To determine whether towing insurance is right for you, consider the following factors:
1. Your Driving Habits
If you frequently drive long distances, commute in heavy traffic, or travel to remote areas, towing insurance can be a valuable safety net. Breaking down in an unfamiliar place can be stressful, and having reliable towing services at your disposal provides peace of mind.
2. Your Vehicle’s Reliability
Older cars or vehicles with a history of mechanical issues are more likely to break down. If your car is prone to overheating, battery failures, or other mechanical problems, having towing coverage can save you from unexpected towing expenses.
3. Cost of Out-of-Pocket Towing
Without towing insurance, calling a tow truck can be expensive. The average towing cost ranges from $75 to $125 for a short distance, while longer tows can cost several hundred dollars. If you experience multiple breakdowns in a year, towing insurance can easily pay for itself.
4. Your Existing Coverage
Some auto insurance policies include limited towing coverage, while others don’t. If you already have a membership with a roadside assistance program like AAA, Good Sam, or a credit card provider, check if towing services are included before purchasing separate towing insurance.
5. Cost of Towing Insurance
Towing insurance is typically an affordable add-on to your existing policy, costing around $10 to $50 per year, depending on the provider and coverage limits. Compared to the high cost of a single tow, it can be a worthwhile investment.
Alternatives to Towing Insurance
If you decide towing insurance isn’t for you, there are other ways to get roadside assistance when needed:
- AAA Membership – Offers towing services along with other benefits like travel discounts and vehicle lockout assistance.
- Credit Card Benefits – Some credit cards include roadside assistance services. Check your card’s perks to see if towing is covered.
- Auto Manufacturer Assistance – Many new cars come with a limited roadside assistance package for a few years.
- Standalone Roadside Assistance Plans – Some companies, like OnStar or Good Sam, offer separate plans that include towing and emergency services.
Final Verdict: Do You Need Towing Insurance?
Towing insurance is a small investment that can save you from unexpected expenses and headaches on the road. If you drive frequently, own an older vehicle, or don’t have access to other roadside assistance options, adding towing insurance to your auto policy is a smart choice. However, if you already have a roadside assistance plan through another provider, you may not need additional coverage.
Before making a decision, review your existing policies, compare costs, and assess your personal driving needs. A little preparation now can save you time, money, and stress in the future.