Will my auto insurance cover locksmiths?

Does auto insurance cover locksmiths? Auto insurance covers locksmith fees if you have roadside assistance. However, some auto insurance companies require you to have collision and comprehensive insurance to add it. While collision and comprehensive auto insurance 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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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati.com. ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Nov 25, 2021

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Can't-Miss Facts

  • You can add roadside assistance to most insurance policies
  • You can pay as little as $5 a year for roadside assistance
  • Motor clubs also provide roadside assistance

Does auto insurance cover locksmith fees? Auto insurance companies pay locksmith charges if you have the right coverage.

But which insurance coverages pay for locksmiths? Don’t worry – we’re here to answer your questions.

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

After you’ve learned how auto insurance covers locksmith fees, enter your ZIP code in the free comparison tool above to compare multiple companies in your area.

Will my auto insurance cover locksmiths?

Yes, if you have the right auto insurance coverage. Emergency roadside assistance is an extra coverage that can be added to most auto insurance policies. It will cover locksmit fees.

Some auto insurance companies provide roadside assistance automatically with your policy, but with most it’s an option.

Emergency roadside assistance (also known as roadside assistance) covers a variety of issues in addition to locksmith fees, like a dead battery.

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

You’ll find that roadside assistance is an option that you can usually choose to add to your quote.

The cost of emergency roadside assistance varies from company to company, but you can add it to your insurance policy for a few dollars per year.

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

Roadside Assistance Cost at the Best Car Insurance Companies
Auto 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 top auto insurance companies require collision and comprehensive insurance to get access to roadside assistance.

GEICO, Farmers, or USAA require customers to carry collision and comprehensive insurance if they want emergency roadside assistance.

Will motor clubs pay for locksmith fees?

You can join a motor club rather than add more coverage to your auto insurance policy. Emergency roadside assistance isn’t expensive in most cases, but adding more coverage drives up monthly rates.

According to the National Association of Insurance Commissioners (NAIC), the average cost of liability auto insurance is $48 per month.

Let’s compare emergency roadside assistance costs from the top motor clubs in the nation.

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 auto insurance rates, roadside assistance is more affordable. In most cases, you’ll  pay once per year rather than in monthly installments.

Motor club roadside assistance is also known for covering services like recharging a dead battery and changing tires.

What are the most common causes of driver lockout?

Here are eight common locksmith situations that auto insurance companies cover:

  • 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

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

Do auto insurance companies cover keys locked in a car?

Yes, they do. It’s a common incident that’s usually covered by emergency roadside assistance.

Additionally, if your vehicle is still running, your auto insurance company may send someone to add fuel to your car in addition to unlocking your vehicle.

Does auto insurance cover replacement keys?

It depends on the auto insurance company. Insurance companies usually cover lost or stolen keys through comprehensive auto insurance.

However, a locksmith can help reprogram a key fob. Use your roadside assistance coverage to help cover the cost.

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Who can I call to unlock my vehicle for free?

If you don’t have roadside assistance with an auto insurance company or motor club, use these options to get locksmith services at no charge.

  • Call a friend or family member to bring you the spare key
  • Use your car’s 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 charges

Gather as much information as you can and keep a memo on your phone just in case your auto insurance company doesn’t provide roadside assistance.

Auto Insurance Cover Locksmiths: The Bottom Line

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

Buy emergency roadside assistance at a motor club if you can’t secure cheap auto insurance with roadside assistance at an insurance company.

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

Frequently Asked Questions: Do Auto Insurance Cover Locksmiths?

Do you want to know more about auto insurance coverage for locksmiths? Read these answers to frequently asked questions to learn more.

#1 – Does Progressive insurance cover locksmith fees?

Yes, it does. Progressive provides emergency roadside assistance for customers who have liability insurance. Full coverage isn’t required.

#2 – Does GEICO insurance cover keys locked in a car?

The answer is yes. GEICO covers keys locked in your vehicle under its roadside assistance coverage.

#3 – Does GEICO cover locksmith fees?

Yes, it does. However, GEICO customers must have full coverage auto insurance.

#4 – Does Allstate cover locksmith fees?

Yes. Allstate provides roadside assistance for its customers with liability coverage and beyond.

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