© 2026, Goosehead Insurance Agency, LLC. All rights reserved. Goosehead is a full service property and casualty insurance agency. Coverages may not be available in all states or for all insurance companies. The description of coverage is for informational purposes only. Actual coverages will vary based on local laws, product availability, and the terms of the policy issued. Click here to see a list of our corporate office license numbers.
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There is nothing more frustrating than getting in your car, turning the key, and hearing the telltale click of a dead battery. What are you supposed to do now? If your car won’t start or you are stuck on the side of the road with a flat tire, roadside assistance insurance can help solve your problem.
Roadside assistance typically covers a number of things, including:
Goosehead finds the best coverage and cost options to fit your needs.
A declarations page, also sometimes referred to as a “dec page,” is a page from your insurance policy that sums up your policy coverage.
Each roadside assistance plan is unique, so check the details of your plan carefully. Some plans may offer only a few of these services, while other plans may offer all of this plus additional coverage.
If you have a roadside assistance program, either through your insurance policy or through a third party company, they will likely help you put your spare tire on your car. But what do you do if you don’t have a spare?
Most roadside assistance programs do not cover the cost of replacing a tire, so if you find yourself with a flat tire and no spare you might be stuck getting a tow rather than changing a tire. Check the details of your policy carefully — it is possible that your company may bring a spare to you for an additional fee, or they may only offer towing if you are in a situation where you don’t have access to a spare tire.
Most roadside assistance policies will bring you a few gallons of gasoline if your tank is empty. There is a limit to how much gas your roadside assistance company will bring, so check the specifics of your policy to see how much gas you can expect to get if you run out on the side of the road.
Keep in mind that your roadside assistance plan will likely charge you for the cost of the fuel, so don’t be surprised if the gas isn’t free as part of their gas delivery service.
Many insurance companies offer roadside assistance as an optional coverage, which means it is possible to add roadside assistance to your insurance policy. Not every insurance company offers this type of coverage, however, so it is important to check with the insurance experts at Goosehead Insurance to see which plans offer the type of coverage you need, including roadside assistance.
Roadside assistance is also available as a separate policy. AAA is the most popular roadside assistance company, but they aren’t the only place to purchase a roadside assistance plan. Many areas have local companies that offer roadside assistance, while other organizations offer roadside assistance coverage. AARP, for example, offers roadside assistance coverage to their members.
Roadside assistance policies cover towing, typically up to a certain distance. Many roadside assistance plans have requirements or limitations regarding where they will tow your vehicle. For instance, some plans offer towing to the nearest repair shop, while other plans offer towing to any repair shop within a few mile radius. Review the details of your plan to know exactly what is covered under your policy.
Generally speaking, using roadside assistance does not count as a claim. This means it doesn’t impact your insurance rates and it won’t cause you to lose any discounts you may have that are based on a claim-free history with the company.
However, there are sometimes limits to how many times you can use your roadside assistance coverage in a given year. You may also find that there are other limitations to your policy, so it is important to review your coverage carefully.
It can be tempting to go without roadside coverage. After all, how often do you really find yourself in need of the service? If you choose to go without roadside assistance coverage, you may be able to sign up for a policy at the time of your emergency, but keep in mind that there is typically a sizable fee added to the cost of your service if you wait to sign up until you need it. Signing up for roadside assistance as part of your annual insurance renewal or electing a standalone plan when you aren’t in need of service can prevent you from being charged an emergency fee.
The contents of this article are meant as general information to help you understand personal lines insurance and not specific to a particular policy. Policies, coverages and discounts can vary by state and insurance carrier. To understand your coverage, you should speak directly with a licensed insurance agent or read your full policy contract. Call your agent or contact us at (833) 779-4090.
Summer is here, and while it's the season for road trips and beach outings, it's also a time when certain misconceptions about driving can lead to unnecessary risks. To help you stay safe and informed, we've collaborated with insurance experts to debunk five common myths about summer driving. Myth 1: Cars Don't Overheat in Summer Anymore.