Does car insurance cover towing?

While your basic liability car insurance does not cover towing your own vehicle, an at-fault driver’s liability coverage may assist with any towing fees resulting from an accident they cause. Fortunately, you can usually secure affordable car insurance that covers towing from most national companies as a policy add-on, typically in a roadside assistance package. Even if you buy car insurance that covers towing, most companies do not pay for impound or lot fees.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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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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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Dec 14, 2021

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The Highlights

  • Your basic liability car insurance does not cover towing for your own vehicle 
  • An at-fault driver’s liability insurance might cover your towing fees resulting from an accident
  • Many insurance companies offer policy coverage add-ons that assist with towing costs, like roadside assistance

Many drivers want to know, “Does car insurance cover towing?” Most of the best insurance companies offer some kind of policy add-on that includes towing coverage.

However, your basic liability policy does not cover towing for your own vehicle. Instead, it covers towing another person’s car if you’re deemed responsible for causing an accident.

Below, learn how to secure car insurance coverage that assists with towing.

After learning about affordable car insurance that covers towing, remember to enter your ZIP code into our free rate tool above to compare quotes from the best companies near you.

Does car insurance cover towing?

Does car insurance cover towing after an accident? Only certain types of car insurance coverages pay for towing fees.

Plus, each insurance company offers unique policy add-ons that may include towing assistance.

However, towing is not part of most states’ minimum coverage requirements, as reported by the Insurance Information Institute (III).

Those coverages include liability, medical payments, personal injury protection, and uninsured motorist coverage.

So, unfortunately, your liability insurance never pays towing expenses for your own vehicle. But it may cover another driver’s towing expenses if you’re found responsible for causing an accident.

What if you’re not at fault? In tort states, the third-party’s liability insurance may cover your towing fees resulting from an accident you did not cause.

Does full-coverage insurance cover towing? It depends on what company you use and the details of your comprehensive and collision policies.

Usually, towing resulting from a collision is reimbursed by your collision coverage. But collision and comprehensive coverage typically only kick in once you meet your deductible.

So if your vehicle simply breaks down, your insurance most likely won’t pay for a tow unless you invested in some kind of roadside assistance or other available towing insurance.

Most insurance companies offer unique roadside assistance packages with varying levels of coverages, costs, and services.

Ultimately, you should ask your company for more details about what towing assistance is available to you.

Or, if you’re shopping around for new coverage, compare car insurance and ask an agent from each company about available towing insurance options.

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What are my towing insurance options?

Each insurance company typically offers some kind of towing coverage option. So check with your insurance company for more details about how it handles towing.

However, roadside assistance, sometimes also called towing and labor coverage, is the most common available policy add-on that usually includes towing costs.

What is roadside assistance? It typically covers you if you’re stranded on the road. So it often assists with flat tires, running out of gas, battery jumpstart or replacement, locksmith needs, and towing expenses.

Roadside assistance car insurance quotes that cover towing are usually affordable, costing as little as $5 to $15 per month through some companies.

But does car insurance cover towing a boat? That depends on the property that’s damaged and the company you use.

Depending on the situation, car, homeowners, or umbrella coverage may assist with covering a boat damaged in a car accident. In addition, some car insurance companies also offer specific boat coverage as a policy add-on.

You may own a camper or recreational vehicle. So does car insurance cover towing a trailer?

This also depends on what company you use, but sometimes additional trailer coverage is available.

Plus, your liability coverage may extend to the trailer if it damages anything, but it does not pay for repairs to your trailer.

Does car insurance cover towing a caravan? A caravan is a trailer towed behind a passenger vehicle. So yes, some companies offer additional coverage that may protect your caravan or trailer.

Finally, you can invest in third-party roadside assistance separate from your car insurance policy if your company does not provide this option.

Does car insurance cover impound fees?

You may be wondering, “Does car insurance cover towing fees if your vehicle is impounded?” No, most insurance companies do not cover lot or impound fees.

So ensure you retrieve your vehicle quickly from the impound lot. Some facilities provide you with a few days to recover your car before charging any fees.

If you can’t pay the fees, most tow yards give you between 20 days to three months before the vehicle gets impounded.

The city may then reward the title to the tow company to salvage the car.

To find your vehicle that has been towed, contact the police department if an officer towed your car at the accident scene. Or contact the specific company that towed your vehicle.

The Bottom Line: Does car insurance cover towing?

You can usually find a car insurance company that covers towing through a roadside assistance package or some other policy add-on.

Many roadside assistance car insurance rates that cover towing are relatively inexpensive.

However, your basic liability policy does not pay for your own towing fees.

Similarly, some full-coverage car insurance policies might not assist with towing expenses. So check with your insurance company for more details.

Now you know how to buy car insurance that covers towing. Secure the best coverage for you by entering your ZIP code into our free quote comparison tool below to receive rates from the top companies in your region.

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