While losing your car key can ruin your day, you can replace it and get back on the road in a few simple steps. The process of replacing that key can vary widely, depending on the type of key your car uses and the make and model of your vehicle.
Knowing what steps to take if you have to replace your key can help alleviate some of that frustration and make the process run more smoothly so you can get back on the road as soon as possible. In this article, we’ll help you gather the necessary information and figure out your next steps if you need to replace your car key.
Find Out What Type of Key You Need
If you realize you’ve lost your car key, the first step is determining what type of key you need to replace. Knowing which type of car key your vehicle needs is crucial since it influences your replacement options and costs. Here is an overview of the most common key types:
Traditional Metal Keys: These are the simplest type of keys to replace, often used in older vehicles. You can typically visit a locksmith or a hardware store that offers a key duplication service. Just provide them with the original key (if you lost the spare) or the vehicle identification number (VIN) to get a new one made.
Transponder Keys: Many modern vehicles come equipped with transponder keys, with a chip that communicates with the car's ignition system. If you lose a transponder key, you’ll need a replacement from a dealership or a qualified locksmith who can program the new key and chip to match your vehicle’s system.
Key Fobs and Smart Keys: Key fobs and smart keys offer added convenience and security features, such as remote locking and unlocking. If you lose a key fob, you’ll likely need to contact your dealership for a replacement since these keys often require programming. Some locksmiths can assist with key fob replacements, but ensure they have the necessary equipment before having them come out.
Knowing the type of key you need can help streamline the replacement process and avoid unnecessary delays or expenses. Consult your vehicle’s owner manual or contact your dealership for specific guidance tailored to your model.
How much does it cost to replace a lost car key?
The cost to replace your key can vary significantly depending on the vehicle type and the key that needs replacing. A traditional metal key could be as low as $5, while a luxury model smart key could cost about $500 to replace. A key fob’s complexity and the level of programming it requires could also impact the price.
Whether you’re purchasing a spare key in case of an emergency or you’ve already lost your key, here are some of the factors that can affect how much it’ll cost:
Vehicle Make and Model: Luxury vehicles often have more sophisticated key systems, leading to higher replacement costs.
Programming Requirements: Some keys require specialized programming equipment, which can add to the overall expense.
Location and Service Provider: Costs can vary between dealerships and locksmiths, with dealerships generally being more expensive. Unfortunately, there are times when the dealership is your only option to get a replacement.
Does auto insurance cover the cost of lost car keys?
Your auto insurance won’t typically cover the cost of lost car keys. Most standard policies, including collision and comprehensive coverage, exclude personal property like keys. This means you’ll likely be responsible for handling the replacement costs.
However, there are always some exceptions. For example, if your keys are stolen with your car, comprehensive coverage might apply. Also, if you have roadside assistance, it might give you access to a locksmith or provide services if you lock your keys in your car, though it typically still won’t cover the replacement cost for lost keys.
Secure the Auto Insurance Coverage That’s Right for You With SelectQuote
Whether you’re looking to upgrade your current policy to something with roadside assistance or searching for comprehensive coverage, SelectQuote’s licensed insurance agents are here to help. With nearly 40 years of industry experience, they’ll get quotes from several of the nation’s highest-rated carriers in just minutes. We’ll find you coverage at a rate that fits your budget so you can get back on the road.
