My auto insurance covers tows up to 200 miles, so you need to contact them and verify.
The thing is, even if they only cover 50 miles, they will pay the 50, then you only pay the extra, so I would get some quotes. If you have AAA, then like others said, they never check for id… but I understand why you don’t want to worry about risking it, so just drive out there and then call AAA and tell them you were driving their car. Then drive them home in your car while AAA tows thiers.