Does GEICO Auto Insurance Cover Towing?

What GEICO Covers When Your Car Stalls

GEICO's standard liability policies do not include towing. However, many drivers purchase the optional Roadside Assistance add‑on, which does cover towing under specific conditions. The coverage limits, mileage, and exclusions differ by plan, so reviewing your policy documents or the GEICO app is essential.

Roadside Assistance Overview

Roadside Assistance is available as a standalone add‑on or bundled with certain GEICO plans. It typically covers:

• Minor mechanical breakdowns (e.g., flat tire, dead battery)
• Emergency towing to the nearest repair facility or your chosen destination
• Lock‑out assistance, fuel delivery, and jump‑start services

The plan limits towing to 15–30 miles in most cases, but some tiers extend this distance. If you need to go further, you may have to pay the extra mileage yourself or rely on a third‑party tow service.

How to Check Your Coverage

To confirm whether you have towing included:

• Log into the GEICO website or mobile app and view your policy summary.
• Look for a section labeled "Roadside Assistance" or "Optional Coverages."
• Review the limits and conditions; if no mention of towing, you likely only have liability coverage.

You can also call GEICO's 24‑hour customer service line. The representative will pull up your policy and explain the roadside options available to you.

What Happens if You're Towed Without Coverage

Without the Roadside Assistance add‑on, GEICO will not reimburse towing expenses. In that case, you are responsible for the full cost. Some credit cards or auto clubs (e.g., AAA) provide towing coverage independently, so consider those alternatives if you travel frequently.

Adding Towing to Your Policy

Adding the Roadside Assistance add‑on is straightforward. From the GEICO app, select "Add Coverage" and choose the roadside plan that fits your needs. The additional premium is usually a modest monthly increase, and the service is active immediately after purchase.

Key Takeaways

• GEICO liability insurance does not cover towing. • The optional Roadside Assistance add‑on typically includes towing up to a mileage limit. • Verify your coverage by checking the policy summary or calling customer service. • If towing is not covered, you can add the roadside plan or use a credit‑card or club benefit. • Keep the roadside assistance number handy for quick access when stranded.