Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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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: Feb 2, 2022

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

At a Glance

  • USAA roadside assistance is less than $2 a month
  • Roadside assistance through USAA includes services like towing, jumpstarts, and unlocking your vehicle
  • Drivers can request roadside assistance 24 hours a day either online, through the app, or by calling customer service

Unfortunately, there will come a time when your car won’t start, you have a flat tire, or you just run out of gas. Thankfully, USAA roadside assistance can help with those problems and more.

Roadside assistance can quickly and easily be added to your USAA auto insurance policy to help when you have a problem with your vehicle. And, since USAA is a respected auto insurance company, you can expect service when you need it.

However, even though you can find affordable USAA roadside assistance, it doesn’t offer quite as much coverage as some other roadside assistance plans. Be sure to compare offerings from other insurance companies and other companies to find the coverage you need.

To learn more about the company, read our review of USAA car insurance. Keep in mind that USAA and all of its coverages are only available to members of the military, veterans, and family members.

If roadside assistance is a must for your peace of mind, shop around for the best rates. Enter your ZIP code now to compare free auto insurance quotes that include roadside assistance from companies in your area.

What is USAA roadside assistance?

As a driver, you know that sometimes you aren’t prepared to handle problems with your vehicle yourself. This is when roadside assistance comes in. It’s important to know that there is someone available when you need a hand.

Is USAA roadside assistance free? No, but USAA roadside assistance rates are very cheap at around $1.50 a month. However, you do have to be a USAA member in order to take advantage of the service.

You can simply add roadside assistance to your USAA policy at any time. To see the average rates you can expect from USAA, take a look at this table. Although rates will vary by driver, you can see average rates are low and adding an extra $1.50 a month won’t make a huge impact.

USAA Average Auto Insurance Rates Based on Coverage Type
Type of CoverageAnnual RatesMonthly Rates
Low Coverage$2,404.11$200.34
Medium Coverage$2,539.87$211.66
High Coverage$2,667.92$222.33
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Is USAA roadside assistance 24 hours? Yes, you can reach someone 24/7 to help you in your time of need.

You can also add roadside assistance at any time. In fact, if you need help but don’t have the coverage already on your policy, USAA can still help you. They can offer you the same contracted prices that USAA will pay for service. While this doesn’t make the service free, it will lower your costs.

When should you add roadside assistance to your car insurance policy?

If you regularly drive your car, roadside assistance is a great service. While no one plans on having a dead battery or flat tire, the peace of mind knowing you have help available is worth it.

What is covered under USAA roadside assistance?

Not all roadside assistance plans are created equal. Each company will offer various services at different rates. Pay special attention as you compare USAA roadside assistance quotes with other companies to see who offers the service you need with the lowest rates.

There isn’t actually a USAA roadside assistance company, and USAA contracts with local service providers for a multitude of services.

USAA roadside assistance includes:

  • Towing
  • Flat tire service
  • Fuel delivery
  • Jumpstart
  • Lockout service
  • Winching

Although these services are helpful, there are some restrictions you need to be aware of.

With USAA towing, there is a limit to how far you can have your car towed. The USAA roadside assistance towing distance is only 50 miles. So if you are out of town, you probably can’t get your car towed back to your house for free. However, they will tow it to a gas station or repair facility within 50 miles.

Also, you will have to pay for the fuel that you have delivered if you run out of gas. You will also have to pay to have your keys replaced if you lose them and are locked out.

If you get your vehicle stuck in the mud or snow and need to be winched out, you can only take advantage of the service if you are near a public road.

You also can’t use your roadside assistance from USAA if you aren’t in your insured vehicle. This means that if you are with a friend or driving a borrowed car, you can’t use your roadside assistance. The only exception is if you have a rental car.

There is also a limit on how many times you can use the coverage. While there is no set limit, your availability will vary by state and policy.

While USAA does limit what its roadside assistance will handle, the price can’t be beaten.

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How do you contact USAA roadside assistance?

If you do find yourself in need of help, contacting USAA roadside assistance is easy.

There are three ways to get USAA roadside assistance:

  • Website – You can submit a request online through the USAA website.
  • App – Use your USAA app to request service. The process takes less than five minutes, and the app can even track your location to send help.
  • Call – For USAA roadside assistance, call 1-800-531-8555.

However, know that you can wait 60-90 minutes for a service provider to reach you. Although this may seem like a long time to wait, remember that paying for service yourself will be much more expensive even if your wait is shorter.

USAA Roadside Assistance: The Bottom Line

USAA roadside assistance is inexpensive, but it’s only available to drivers who have USAA auto insurance. You also have to be a member of the military, a veteran, or a family member in order to get USAA coverage.

While roadside assistance with USAA will offer services like towing, jump starting your vehicle, and unlocking your doors, you may be charged extra for some needs like having an extra key made. You also can’t use your coverage if you are in a vehicle not listed on your policy.

Shop around before you buy USAA roadside assistance. Other companies may offer better coverage, but their rates will also be higher. You will need to decide how much coverage you need for the rate you want to pay.

Enter your ZIP code now to compare free auto insurance quotes that include roadside assistance to see which company near you offers the better deal.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.