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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 has an MBA from the University of South Florida. Joel...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Aug 20, 2021

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The Allstate Insurance Company offers two basic roadside assistance programs: Roadside Advantage and Platinum Elite. The former is the basic plan and the latter offers more coverage at a higher price. Allstate roadside assistance is available in all states except California for most passenger vehicles and light trucks. The company also offers the Pay-Per-Use (formerly known as Good Hands) roadside assistance program, and you do not have to be an Allstate policyholder to get help with this plan. Our Allstate Roadside Assistance review will break down the differences between these programs to help you decide which one might be best for you.

Allstate Insurance is one of the biggest names in the auto insurance industry, and it offers a wide variety of coverage options to meet customers’ needs. Its national roadside assistance programs are designed to ensure no one is ever stuck by the side of the road with no one to call.

There are three different programs available, and we’re going to break each one down in detail so you can choose the best fit.

What do you get with the Allstate Roadside Advantage plan?

The Roadside Advantage plan is the basic roadside assistance option from Allstate. This plan costs $79 for the first year and it offers the following emergency roadside assistance coverage:

• Towing
• Tire Changes
• Jump Starts
• Lockouts
• Refueling

You also get trip interruption coverage, which can pay for hotels and meals if you end stuck on the road somewhere 100 miles or more from home, road hazard reimbursement, and discounts on oil changes.

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What do you get with the Allstate Platinum Elite roadside plan?

With the Platinum Elite plan, you get everything offered in the Roadside Advantage plan, and you can add one additional member for no extra cost. There are no additional benefits to this plan, but your coverage limits are higher.

With Platinum Elite, you get a maximum of five “rescues” per year, whereas the Roadside Advantage plan only provides three. Your roadside emergency coverage limit is $250, compared to the $150 limit of Roadside Advantage.

The Platinum Elite plan costs $149 for the first year.

What is Allstate’s Pay-Per-Use Roadside Assistance?

With Pay-Per-Use, you don’t have to be an Allstate Insurance policyholder. There are no membership fees, you simply contact Allstate when you need roadside assistance and someone will be sent to your location.

You can get the same roadside assistance benefits listed above in the Roadside Advantage section, but you will be paying for them in full rather than having Allstate foot some of the bill.

What else do you need to know about Allstate roadside assistance?

The services are available in all 50 states for most passenger vehicles and light trucks. Don’t expect to use this service for your commercial vehicles. Only private passenger cars and trucks under 10,000 lbs gross vehicle weight qualify at the prices above.

That’s not to say you can’t get coverage for those vehicles. Higher priced programs are available for heavier duty trucks, motorcycles and recreational vehicles. You will need to contact Allstate for those programs.

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What’s the bottom line?

If you haven’t figured it out already, this isn’t insurance.

Allstate is simply offering discounted roadside assistance services via their vast national network of providers. The fact that you don’t have to be a member to use the Allstate roadside service Pay-Per-Use plan means you can save money on a membership to an auto club like AAA and simply pay for roadside assistance when you actually need it.

If you’re stuck on the side of the road in the middle of nowhere, would you rather find the closest unendorsed “local service shop” and take your chances or call (800) ALL-STATE and have the situation resolved by a service provider who is ultimately accountable to one of the largest insurance companies in the United States?

If you are an Allstate policyholder, you can use the Pay-Per-Use program, or you can sign up for Roadside Advantage or Premium Elite. The choice is yours, but it’s hard to justify paying almost double the cost for the Elite plan when you don’t get any extra benefits beyond the higher coverage limits.