Gianetta Palmer is a writer, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Nov 3, 2020

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The last thing you want as a driver is to have your car break down while you are on the road.

That is why emergency roadside assistance is one of the most popular premium services sold by auto insurers.

It gives drivers peace of mind when they need it most.

It protects you from unexpected roadside events.

A roadside assistance program added to your auto insurance policy from a provider like Progressive Auto Insurance can help you in so many ways, like towing your car to a local qualified repair shop and helping you with a battery jumpstart.

The Progressive roadside assistance program provides you 24-hour protection, 7 days a week, so that you can drive stress-free.

Roadside ServiceBenefits
Vehicle towingCan have your vehicle towed anywhere within a 15-mile radius.
Winching servicePull your vehicle out of snow, mud, or sand within 100 feet of a road or highway.
Battery jump-startJump your car on scene to get back on the road.
Fuel deliveryFuel delivery is free; you pay only for the fuel.
Battery charge for electric carsIf your electric car runs out of charge, you can have it towed to the nearest charging facility.
Locksmith serviceIf your keys are lost, stolen, or lock in your car, a professional locksmith will help. You pay only for the key and the cost to replace it.
Flat tire changesNo fee flat tire change as long as you have the spare tire.
On-scene laborOne hour of free labor on scene. For more than an hour, you can have it towed to the nearest qualified repair shop.
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What does Progressive’s 24-hour roadside assistance cover?

Progressive’s roadside service offers you protection with a variety of covered services if you experience any of the following situations:

Your car breaks down from a mechanical or electrical failure

If a roadside emergency leaves you stranded with your car on the side of the road, they will send out a scene labor service technician to fix the issue.

If the problem can’t be fixed in an hour, a Progressive towing affiliate will bring your vehicle to the nearest repair shop within a 15-mile radius.

Your car gets a flat tire

With emergency roadside assistance from Progressive Insurance, you’ll never have to worry about replacing a flat on the road ever again.

A qualified service technician will replace the flat with your spare tire.

No spare tire? No worries!

A Progressive towing affiliate will bring your vehicle to any qualified repair facility within a 15-mile radius.

That means that if your tire can’t be replaced on the road, then emergency road service coverage from Progressive covers bringing it to a qualified repair shop where it can be replaced.

Progressive's service compared to Allstate, GEICO, Farmers and Auto Clubs like AAA.Illustrated above are the road service prices of insurers and auto clubs compared to Progressive’s. Auto clubs come with added perks, one of the reasons it costs more. All prices are the lowest offered by each insurer and club. For example, most policyholders pay from $18 to $25 per year for road service coverage with most insurers. AAA’s prices are high as $400+ per year.

Your car runs out of fuel

If you run out of gas on the road, you can count on your emergency road service coverage will take care of you.

With a quick service call, you’ll get gas delivered to you. Because fuel delivery is one of the covered services, you will only need to pay for the gas’s cost and nothing else!

Your car battery dies

Never worry about a dead car battery again.

Battery jumpstarts are one of the covered services offered through Progressive’s roadside assistance service.

When you place a service call or use the emergency roadside app, a certified technician will be sent to you to do a battery jump-start.

If your car doesn’t start after the technician’s attempted jump starts, then you can use the towing coverage option to have your car brought to the nearest repair shop free of charge within 15 miles.

You lock your keys in your car

If you lock your keys in the car, you can use Progressive’s lockout service to have a technician help you get back into your car safely.

Since lockout service is considered one of the covered services, you won’t have to pay a dime in this situation.

In fact, the only time you’ll have to pay for anything locksmith related is to replace a stolen or lost key.

Your car gets stuck in the snow, mud, or a ditch

If you get caught in the snow or accidentally back yourself into a ditch, Progressive has you covered.

Using their roadside assistance plan, a winching service professional will be sent out to help you get back on the road.

How much does Progressive roadside assistance cost?

This add-on premium feature to your car insurance policy costs just $16/year on average.

That’s less than $2/month!

The cost is just a fraction of what you’d pay to get similar coverage with a service provider like AAA.

Below are the prices of popular auto clubs offering the coverage:

Roadside assistance clubsPrice
AARP$49.00
AAA$79.00
Good Sam $79.95
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The additional cost of a roadside plan to your auto insurance premium is significantly lower than what you would pay for similar services without a plan.

For example, a one-time emergency fuel delivery could cost you as much as 4 times the yearly cost of Progressive’s roadside coverage.

The average cost for an emergency jump-start is anywhere from 3 to 10 times the cost of the insurance company’s roadside service.

DistanceCost to tow
5 miles or less$35 – $125
10 to 20 miles$55 - $175
40 miles$125 – $275
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Using a vehicle towing company to bring your car to a local repair shop in a roadside emergency will set you back 6 to 7 times the cost of Progressive’s roadside coverage.

For just $16/year, their roadside plan offers peace of mind and amazing savings compared to using these services without coverage.

How do I add a roadside assistance program to my current insurance policy?

You can add roadside coverage to your existing Progressive auto insurance plan by calling the policy service center.

You can also add the premium optional coverage when you log in to view your vehicle policy on Progressive’s website.

How does Progressive roadside assistance compare to other emergency roadside service plans?

Progressive’s plan offers many of the same roadside services as its competitors.

These services include vehicle towing, replacing a flat tire, and more.

As for price, the additional premium for roadside assistance coverage is similar to what you’d pay with other auto insurance providers like State Farm, Allstate, GEICO, and Liberty Mutual.

Here is a comparison by insurance company: 

Insurance CompanyCostPhone Number
State Farm $12 / year877-627-5757
GEICO $16 / year800-424-3426
Progressive $16 / year800-776-2778
Farmers$23 / year800-255-7828
USAA$24 / year800-531-8555
Allstate$12 / year or $125 per Occurrence800-255-7828
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It is quite a bit cheaper than an annual membership with AAA.

That makes it a solid option if you already have an insurance policy with Progressive.

The low-cost of the add-on coverage makes it a no-brainer if you don’t already have emergency roadside assistance through another provider.

Progressive roadside assistance review and other things to consider

What Are the Policy Limits of the Coverage?

With that said, there are some limitations to Progressive’s roadside assistance coverage.

It only extends to the vehicles your car insurance covers.

That means you won’t be able to use it if you’re driving a rental vehicle.

You also can’t make use of it if you’re a passenger in a friend’s vehicle.

Depending on your state, you may be required to have comprehensive and collision coverage options to add roadside services to your auto insurance policy.

Policy Limits 
Usage of serviceThere may be a limit to the number of roadside events your policy covers. In some states, such as North Carolina and Virginia, Roadside Assistance coverage is subject to limits stated on your policy.
Coverage requirementsYou may need comprehensive, collision, medical payments coverage before use or loss.
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Check with your local insurance agent, Progressive customer service, or visit Progressive.com if you aren’t sure if your state requires comprehensive or collision coverage as part of their auto insurance requirements.

It also isn’t a bad idea to check the fine print of your Progressive policy.

In summary, Progressive’s roadside emergency coverage is worth it if you have an existing auto policy with the company.

If you have coverage from one of the other insurance providers like Liberty Mutual or GEICO, it may not be worth making the switch.

I recommend getting a car insurance quote first to see if changing insurance companies would save you money.

It is worth reading roadside assistance reviews from auto clubs like AAA to see if you would benefit from their added services.

Although the coverage they provide is more expensive than what Progressive will quote you, it does include additional perks.