My current charges for comprehensive with a $500 deductible are $31/year + $18/year for emergency road service. That's with Geico. You can specify how much comp you want to carry -- my rate dropped recently because I dropped my limit from what it was when I bought the car new ($25k) to what it is worth now (closer to $12k -- I think I dropped it to $10k coverage since that would buy me a comparable replacement if current car was totaled). $31/year for that seems worth it to me.
From what I recall you have to have had the AAA membership for at least 24 or 48 hours prior to your first roadside assistance call -- a measure to prevent people from signing up for it only right when they need it.
This was my experience in 2017 or 2018. (Checked the website, and it's 48 hours). I was able to pay an extra fee of around $75 (on top of the annual membership) to be towed right away. Trying to save money on AAA ended up costing money.
I do have some kind of road service through my insurance, but it requires me to pay out of pocket, and they will reimburse only up to $75 per disablement. That's probably fine in town, but I frequently take road trips and so I want coverage for more mileage. As I recall, even the basic AAA membership will tow 5 miles or the nearest safe place/auto repair shop. So if you break down a million miles from nowhere, they will not charge you for 999,995 miles of towing. I'm trying to confirm this, but the website is stuck on the login page.
Back in 2017 or 2018 (I can't remember which), I decided to risk having no AAA coverage and programed the phone number of a family friend, who runs his own towing company, into my phone. Between the insurance coverage and this friend, I should have been set. Now, I think of myself as an extremely level-headed and calm person under pressure, but when my car inexplicably died, I panicked. Totally forgot about the friend
and the insurance coverage. I guess I've just been conditioned to call AAA when things go wrong with the car.