Motor Club of America Car Insurance (Roadside Assistance Guide)

Is MCA Car insurance? No, Motor Club of America is not car insurance. Motor Club of America car insurance is actually a roadside assistance program similar to AAA with rates starting at $9.95/month. The benefits of a Motor Club of America membership do not include any liability or collision coverage.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jan 20, 2021

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Key Facts About Motor Club of America
Year Founded:
Current Executives: Mr. David Kircher is the current President of Motor Club of
Number of Employees: 5,001-10,
HQ Address: 3200 W. Wilshire Blvd. OKC, OK
Phone Number: (800)
Company Website:
Best For: Cheap roadside assistance plans with unlimited towing for members in the US and Canada
Founder: Mr. William W.
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You’ve probably heard of the Motor Club of America (MCA) car insurance but is that accurate?

MCA is not a car insurance policy, so what is MCA insurance? What do motor clubs provide? Is MCA real?

The thought of being stranded on the side of the road in a remote or dangerous location can seem frightening and stressful. The Motor Club of America benefits may have caught your attention.

Motor Club of America has been in business since 1926. It is an established company that offers roadside assistance plans as well as other great benefits to its members. A closer look will reveal why you still need to purchase auto insurance if you become a member of Motor Club of America.

Is MCA real? Is Motor Club of America a pyramid scheme? Motor Club of America is a legitimate company and NOT a pyramid scheme. With that being said, it is not a car insurance company. In fact, it is closer to AAA.

Find the coverage you need, including roadside assistance, by comparing auto insurance quotes today. Just enter your ZIP code above to begin.

Car Insurance Is Still Necessary With MCA

How to choose the right car insurance? A Motor Club of America membership plan seemingly includes many of the same services and benefits that you may enjoy through a standard auto insurance policy.

If you are shopping for a new auto policy today, you may be wondering if you can simply use your Motor Club of America membership plan in place of auto insurance to save money each month.

How to find out the required auto insurance coverage for your state? State law in all states indicates that drivers are legally responsible for damages they cause behind the wheel, and most states have liability insurance requirements that drivers must meet.

The benefits of a Motor Club of America membership do not include any liability coverage.

In addition, many drivers opt for a collision or comprehensive policy that will pay for repairs to their own car after an accident or for a full replacement in certain situations. This membership does not pay for any vehicle-related repairs or for a replacement. Knowing the difference between collision and comprehensive car insurance claims will help you make the right decision when choosing the right policy for you.

Therefore, auto insurance is still needed in conjunction with an MCA membership.

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What does the Motor Club of America offer?

What is roadside assistance insurance from MCA? Motor Club of America offers roadside assistance and other benefits to its members throughout the United States and Canada, and it has more than seven million active members. This is a broad network that gives you around-the-clock support on the road.

What is the best roadside assistance program? As listed by Consumer Reports AAA, National General Motor Club, and Better World Club are seen as reputable options when considering buying a roadside assistance plan. If there are multiple driving members of your family, Good Sam Roadside Assistance is a reputable option. All of these companies, though, offer what MCA offers.

The next table shows some details on what MCA offers its clients.

Motor Club of America Roadside Assistance Frequently Asked Questions
Question Details
How do I get roadside assistance with Motor Club of America?Join the Security plan.
How much roadside assistance will I get?It is unlimited, with one service call per day throughout the entire year.
How do they help?Either they will get your four wheel passenger vehicle back on the road or it will be towed to the nearest service facility.
What else will I get?Unlimited lockout service, unlimited fuel delivery, unlimited tire changing, and unlimited battery boosting.
Is only my vehicle covered?You are covered, not your vehicle, so no matter who's vehicle you're driving, you can call Motor Club of America.
Is there more than one plan?With the Total Security plan, MCA will pay up to $100.00 for Emergency Road Service on RVs, motorcycles, trailers, and vehicle's with a load capacity of one ton or more.
Any other benefits to the Total Security plan?Your four wheel passenger vehicle can be towed to anywhere you choose, as opposed to just the nearest service facility.
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As you can see, the U.S. General Services Administration shows that roadside assistance means a bit more in terms of services offered. Also, there are tiers to their offerings. Their more basic plan only tows your vehicle to the closest service facility, whereas the upper-tier program allows you to choose the service facility. Motor Club of America doesn’t store your car after towing on either plan.

While the company is well established, its services have evolved over the years to give its members truly cost-effective benefits that may pay for more than just the cost of membership over the years.

Furthermore, many benefits can help you to minimize the stress associated with a vehicular issue when you are away from home.

Motor Club of America has an A+ rating with the Better Business Bureau (BBB).

Other Services Available Through Motor Club of America

What is an MCA membership and what can it offer you?

In addition to providing you with 24-hour roadside assistance, the Motor Club of America may also give you access to other benefits. For example, you will get travel assistance if you are stranded far from home when you have a car issue.

The following table shows further benefits offered by MCA.

Additional Motor Club of America Benefits
Travel Assistance ReimbursementReimbursement up to $500 for a rental car, meals, or lodging should the collision happen more than 50 miles away from registered home address.
Planning and Travel ReservationsFree, easy, step-by-step mapping services.
Arrest Bonds Your membership card be be used in lieu of cash bail up to $500 when involved in a traffic violation. Only in states where arrest bond certificates are acceptable.
Arrest Bonds ContinuedIn Maryland, the certificate is valid up to $1,000.00. In some states they are accepted for amounts less than $500.
Bail Bonds MCA will arrange a bond valued up to $25,000 in the case where you are charged with a violation such as vehicular manslaughter or auto-related negligent homicide.
Attorney FeesMCA will pay up to $2,000 for an attorney to defend you against police charges.
Stolen Vehicle Reward$5,000 reward to law enforcement agency or individual responsible for information leading to arrest of the person(s) who stole your vehicle.
Credit Card ProtectionShould you be a victim of identity theft, MCA will cover financial losses of up to $1,000. Not available in Texas
Free WellCard Health ProgramCan reduce the cost of health care upon visiting pharmacies, vision care providers, hearing specialists, prepaid lab test, etc.
Emergency Reimbursement Benefits Receive up to $500 for Emergency Room or Trauma Center treatment. Only covers injuries due to covered accidents. Also includes up to $100 for: cast or splints, ambulance service, anesthetics, X-Rays, ER Facility
Daily Hospital BenefitReceive up to $54,750 in hospital cash benefits. This means $150 per day beginning the first day of hospitalization up to 365 consecutive days. Once discharged, you have 90 days to file a claim.
Accidental Death BenefitMembers may enroll in $10,000 Accidental Death Coverage for free or upgrade to Total Security package to receive additional coverage up to $50,000.
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As you can see, membership offers incredible benefits that can save you thousands.

Additionally, MCA health insurance is offered to members in the form of a free WellCard Health Program card to assist them and their family members with medical expenses. Furthermore, it allows discounts on the member’s prescriptions, vision, and dental costs.

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Affordable MCA Membership Plans

You may be wondering how much you would have to pay to enjoy all of these benefits through a Motor Club of America membership. MCA plans vary in price and offerings.

So, what is an MCA membership? A standard Motor Club of America membership that includes all of the benefits listed above is only $9.95 per month. An upgraded or premium membership called the Total Security Plan is available for $19.95 per month.

The upgraded membership also includes towing service up to 100 miles with your ability to choose the destination where the vehicle is towed to. You also benefit from coverage for RVs, trailers, and motorcycles.

Premium members also may receive an $80 referral gift for each new member they send to Motor Club of America, and there is no limit on the number of new members you may refer.

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Other Options for Getting Roadside Assistance

Before you make the decision to purchase a membership from Motor Club of America, you should be aware that there may be some other options available that provide you with most or all of these same benefits.
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For example, your current auto insurance policy may provide you with coverage for:

If you plan to shop for a new policy, you can compare rates for policies that include these coverages to determine if this is a more cost-effective option to consider.

You may also have roadside assistance available through a credit card that you have or through the warranty you purchased with your vehicle. The last thing you want is to pay for coverage or benefits that you already have access to. Essentially, purchasing an MCA membership could be doubling down unnecessarily.

Therefore, review all current memberships and services already available to you before you purchase a membership for Motor Club of America.

While nobody wants to be in a rough situation, nobody wants to pay more than necessary for roadside assistance and other benefits.

If you are thinking about buying a membership with Motor Club of America, it may be worthwhile to talk to your current insurer about adding towing and roadside assistance to your existing coverage. You may also want to compare Motor Club of America vs AAA. Be careful where you get your information. Motor Club of America Wiki, for example, is not an official page.

If you want to speak directly with them, the MCA insurance phone number is 1-800-621-9001. Furthermore, existing customers can use their Motor Club of America login via the tab of the same name on MCA’s webpage.

If you are interested in further involvement, Motor Club of America has work from home options through the Motor Club of America affiliate program.

To ensure that you do not pay more than necessary for your coverage, take the time to get several new quotes from different insurers. Enter your ZIP code below to find policies that include roadside assistance.

By taking these steps, you can rest easy knowing that you have the full level of coverage you need and that you are getting the best deal possible on it.

Frequently Asked Questions: Motor Club of America

If you still have questions, we will answer some of them here.

#1 – How does Motor Club of America make money?

Like all insurance companies, they make money by taking in more in fees than they pay out in claims.

#2 – What is MCA work from home?

MCA offers opportunities for sales agents to work from home. The Motor Club of America compensation plan for work at home contractors varies.

#3 – Is United Motor Club of America the same company?

No, they are a separate roadside assistance company.

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