My local automobile club's slogan is "wouldn't be without it", and I wouldn't. It's under $100 here, but given that includes flat tires (I can't physically change them if they've been attached with air-powered tools, and know of too many fatalities of people changing tires beside busy roads), unlocks, tows, jump starts, inexpensive batteries, enough fuel to get to a petrol station, etc, it's a very worthwhile form of insurance. The one I've used most.
Plus they have cheap travel, movie tickets, etc for members, cash back at certain restaurants, and discounts if you insure through them as well.