What Insurance Covers Towing in Missouri?

Car trouble can strike at any time—flat tires, dead batteries, or unexpected breakdowns. In moments like these, having towing coverage on your auto insurance can make all the difference. But not all policies include it by default. So, what insurance covers towing in Missouri? Let’s break it down.

Does My Car Insurance Automatically Cover Towing?

In most cases, standard auto insurance policies in Missouri do not include towing unless you’ve added roadside assistance coverage or opted into a towing and labor endorsement. This means you may be responsible for out-of-pocket costs unless you’ve taken steps to include this protection.

What Types of Insurance Typically Include Towing?

1. Roadside Assistance Coverage
   This is the most common option for towing coverage. It often includes:

   • Towing (usually within a mileage limit)

   • Jump starts

   • Flat tire changes

   • Lockout service

   • Fuel delivery

2. Towing and Labor Endorsement
   Offered by many insurance companies, this add-on reimburses towing expenses and basic roadside labor (like battery jump-starts or tire changes).

3. Full-Coverage Plans with Add-ons
   Comprehensive or collision policies sometimes bundle towing with broader protection plans—but you must verify it’s included in your coverage.

How Much Does Towing Coverage Cost?

In Missouri, adding roadside or towing coverage is relatively inexpensive—usually around $10 to $20 per year. Costs vary based on:

• Provider (e.g., State Farm, Progressive, GEICO)

• Towing distance limits

• Number of covered events per year

Which Insurance Companies in Missouri Offer Towing Coverage?

Most major carriers provide towing coverage as an optional add-on. Here’s a quick overview:

How to Know if You’re Covered

Not sure if your plan includes towing? Here’s what to do:

• Check your policy details or declaration page

• Call your insurance provider and ask about towing or roadside assistance

• Look for third-party coverage (some credit cards, new vehicle warranties, or even cell providers like Verizon offer towing benefits)

What If You’re Not Covered?

If you don’t have towing coverage and need help, you can always call a trusted local provider like Lano Emergency Road Services. We offer:

• Affordable towing in the St. Louis and Metro East area

• Flatbed towing, lockout assistance, jump starts, and more

• Transparent pricing—no surprise bills

Contact Lano Today!

Towing coverage might not seem important until you’re stuck on the side of I-64 or broken down in downtown St. Louis. For just a few extra dollars a year, you can avoid high out-of-pocket costs and get back on the road quickly. Check your insurance policy today—and if you’re ever in need, Lano Emergency Road Services is just a call away.