Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

Full Bio →

Written by

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Full Bio →

Reviewed by Jeffrey Johnson
Insurance Lawyer

UPDATED: Jan 12, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance related. We update our site regularly, and all content is reviewed by car insurance experts.

Just the Basics

  • Comprehensive policies will cover a lost key, and roadside assistance may as well
  • Not all comprehensive policies will cover key replacement as standard
  • It may be better to pay for a replacement key out of pocket when you take your deductible into account

There are not many situations more inconvenient for a driver than losing their car keys. As well as being annoying, it can also be costly. That’s when you’re going to want the answer to: does car insurance cover key replacement?

It can be even more complicated if your key is an electronic one, as these are more expensive than traditional keys. This car insurance guide is here to help and answer common questions about popular car insurance companies, like does GEICO cover key replacement.

Plus, you don’t have to wait to find affordable car insurance that will cover key replacement. Use our free tool by entering your ZIP code now to find car insurance rates from companies that cover key replacement.

Will my insurance company cover a car key replacement?

Your insurance company will generally pay for a new key if you have comprehensive coverage or roadside assistance.

However, you will need to look at your policy to see the maximum amount of coverage for replacement. It makes more sense for car owners to balance the cost of making a claim with any deductible that they may have to pay.

If your car has a smart key or electronic key, the cost to replace it can be high. In this case, it’s best to have a policy that has a key fob rider.

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

Does it make a difference if my keys are lost or stolen?

In most cases, your insurance company is more likely to cover the cost of replacing stolen keys as opposed to lost ones. Comprehensive insurance will cover the cost of replacement. This can be especially helpful for electronic or smart keys that have high costs for recoding the key.

How much does car insurance that will cover key replacement cost?

Comprehensive insurance coverage covers not only keys but also a variety of other situations. It includes the repair and replacement of your vehicle if it is stolen or damaged.

Here are some average car insurance rates for different types of coverage, including comprehensive.

Average National Car Insurance Rates: Comprehensive, Collision, and Liability
Coverage TypeAnnual Car Insurance RateMonthly Car Insurance Rate
Comprehensive Coverage$148$12
Collision Coverage$323$27
Liability Coverage$539$45

Compare RatesStart Now →

Since comprehensive car insurance can be affordable, it is an excellent choice for protecting you in unexpected circumstances.

Car Insurance Covering Key Replacement: The Bottom Line

Now that you know how to find a car insurance company that covers key replacement, you can compare rates right now. Our free tool makes it easy to buy car insurance from top companies in your area. Just enter your ZIP code now.

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

Frequently Asked Questions: Car Insurance Covering Key Replacement

Have more questions about car key replacement and car insurance? Here are answers to the most frequently asked ones.

#1 – Does Progressive cover key replacement?

Progressive car insurance will usually not cover the cost of replacing a key. One exception is if you have a comprehensive policy and the car was stolen, with the key inside.

#2 – Does USAA cover key replacement?

If you have roadside assistance with USAA, it will not cover the cost of the key, but it will pay for the labor cost associated with replacement. The company will send a locksmith to replace the key if it is locked in your car.

#3– Does Farmers Insurance cover lost keys?

If you have Towing & Roadside Assistance, Farmers will cover any reasonable and necessary services up to $150, including getting you back into your car if you are locked out.