Does car insurance cover locksmiths?

Car insurance covers locksmith fees under roadside assistance. However, some auto insurance companies require you to have collision insurance and comprehensive insurance to access it. While collision and comprehensive coverage are more expensive, you can get emergency assistance for as low as $5/year. Shop around and compare companies to secure auto insurance coverage for locksmith charges.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Jul 26, 2021

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The Highlights

  • Roadside assistance covers the cost of locksmith services
  • You could pay as little as $5 for roadside assistance each year
  • Motor clubs like AAA offer roadside assistance programs

Have you wondered whether car insurance covers locksmith fees? Auto insurance companies pay locksmith charges through several coverage options.

But which ones? Don’t worry – we’re here to help.

Read through this guide to learn how car insurance covers locksmith services and how much it costs. Also, we’ll compare car insurance companies that provide coverage for locksmith fees.

After you’ve learned everything about car insurance that covers locksmith charges, enter your ZIP code in the free comparison tool above to compare multiple companies near you.

Does car insurance cover locksmiths?

Yes, if you have the right coverage. If you have emergency roadside assistance auto insurance on your policy, your auto insurance company pays for the locksmith costs.

But what companies provide coverage for locksmith services? Does Progressive insurance cover locksmiths?

Continue reading to see which companies provide coverage for locksmith charges and how much it costs per year.

Which car insurance companies cover locksmiths, and how much does it cost?

As you shop for auto insurance, you’ll find that roadside assistance is an option that you can usually choose to add to your quote. It’s rarely included with a basic policy.

The cost of roadside assistance varies from company to company, but it can usually be added for a very small additional cost.

Check out how much roadside assistance costs at some of the top companies in the United States.

Roadside Assistance Cost at the Best Car Insurance Companies
Car Insurance CompanyAdditional CostNeed collision or comprehensive coverage?Roadside Assistance Phone Number
Allstate Towing and Labor Cost$125 per occurrenceNo877-597-3393
Farmers Towing and Road Service$23/yearYes800-435-7764
GEICO Emergency Road Service Coverage$16/yearYes800-424-3426
Progressive Roadside Assistance$16/yearNo830-816-2002
State Farm Emergency Road Service$5/yearNo877-627-5757
USAA Roadside Assistance$24/yearYes800-531-8555
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Some of the best insurance companies require that you get collision car insurance and comprehensive car insurance to get access to roadside assistance.

If you want roadside assistance at GEICO, Farmers, or USAA, for example, you’re required to carry collision insurance and comprehensive insurance to add it.

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Does car insurance cover keys locked in a car?

Yes, it does. It’s a common occurrence that’s easily covered by roadside assistance.

If your vehicle is still on, your car insurance company may send someone to fuel your vehicle in addition to unlocking your car.

Does car insurance cover replacement keys?

It depends on the company and the coverage you have. Auto insurance companies usually cover lost or stolen keys through comprehensive coverage.

If you happen to have a key fob that needs reprogramming, a locksmith can help you with that. Ask your car insurance company if it covers the cost of reprogramming key fobs.

Who can I call to unlock my car door for free?

When you don’t have roadside assistance with a car insurance company or motor club, try using these options to get locksmith services at no charge.

  • Call a friend or family member to bring you the spare key
  • Use your vehicle warranty service to cover locksmith and towing services
  • Call your cell phone carrier for roadside assistance
  • Contact your credit card company to see if they cover locksmith fees

Many of us don’t realize the benefits that some companies provide. Look ito the options that are available to you before you are stuck so you’ll know who to call.

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What are the most common causes of driver lockout?

Here are nine common situations where a driver gets locked out that auto insurance companies usually cover.

  • Locked in the car
  • The key fob battery is dead
  • Lost car keys
  • The key fob battery isn’t working
  • Locked out due to attempted car theft
  • The wrong key is inserted in the lock
  • A worn-out or jammed lock
  • The key or other object is broken inside the lock
  • A worn-down key

Car insurance companies understand that accidents happen more often than we want them to. Therefore, most locksmith charges are covered when you call for roadside assistance.

Roadside assistance is very convenient. But there’s no reason to pay for it on your auto insurance if you already have coverage somewhere else, like a motor club.

Read on to learn how motor clubs can provide roadside assistance and coverage for locksmith services.

Will motor clubs pay for locksmith fees?

You may want to consider joining a motor club rather than adding additional coverage to your policy that you don’t want just to get roadside assistance.

According to the National Association of Insurance Commissioners (NAIC), the average cost of liability coverage is $46 per month.

Let’s examine the cost of roadside assistance at the best motor clubs in the country.

Roadside Assistance Costs from the Top Motor Clubs
Roadside Assistance ServicesAnnual Cost
AAA$38 - $74/year
AARP$84/year
Allstate Motor Club$78/year
Good Sam$80/year
National Motor Club$96/year
Paragon Motor Club$70/year
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Compared to car insurance rates, roadside assistance is cheaper. You may have to pay once per year, but you won’t need to make monthly payments.

Motor club roadside assistance is also known for covering more services, such as recharging a dead battery and changing tires.

Car Insurance and Locksmith Fees: The Bottom Line

Auto insurance covers locksmith charges under roadside assistance. But, some companies require that you carry comprehensive insurance and collision insurance.

As another option, you might want to buy a roadside assistance membership with a motor club.

Now that you know how car insurance covers locksmith fees, use our free online quote tool to compare multiple companies in your area.

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