Does auto insurance cover key replacement?

If you need auto insurance to cover key replacement, comprehensive coverage is the coverage you want. The good news is the average rate for comprehensive is only about $222. Find affordable key replacement with your car insurance now. Our guide teaches you how to find car insurance quotes with key replacements.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 15, 2021

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A Concise Overview

  • Comprehensive coverage may pay for key replacement if your keys are stolen
  • Other services, like AAA, may offer some key replacement benefits
  • Things like built-in security and remote access make today’s keys and key fobs expensive to replace

When it comes to owning an automobile, there are many inconveniences, chief among them the age-old hassle of losing one’s keys.

You’re probably wondering, “Does car insurance cover key replacement?” With some insurers, you may be able to get a key replaced with standard coverage, depending on what coverage you have. Collision insurance, for example, wouldn’t cover a lost key. With other insurers, a key replacement won’t be on standard policies; rather, they will be on an upgraded policy.

Does auto insurance cover key replacement? Before reading on to find out, type your ZIP code into our helpful tool above to get reasonable car insurance rates with key replacement in your area.

Lost Keys & Insurance

How much does it cost to replace car keys? Replacing the key without any coverage could actually be quite expensive. For example, a Hyundai’s car key replacement could cost up to $490.

Are keys covered under insurance? In truth, it depends on what happened to them. Keys are not necessarily covered by auto insurance. However, many insurers will provide some coverage in the event that your keys are stolen. This would fall under Comprehensive Coverage. We’ll now go into detail explaining auto insurance coverage types.

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Let’s take a look at a video further explaining Comprehensive Coverage.

Do you have comprehensive coverage already? What is your cost of auto insurance? Here is a table showing state averages throughout the country.

Average Annual Comprehensive Auto Insurance Coverage Rates by State
StatesAverage Annual Comprehensive Coverage Rates
Oregon$93.87
California$100.54
Hawaii$101.56
Maine$104.98
Washington$106.38
Utah$109.50
New Hampshire$110.77
Florida$116.53
Idaho$116.55
Nevada$117.63
Ohio$121.61
Indiana$122.06
Delaware$122.49
Vermont$125.48
Illinois$128.13
New Jersey$131.35
Connecticut$131.62
Rhode Island$132.19
Massachusetts$134.96
North Carolina$136.08
Virginia$136.54
Wisconsin$136.81
Alaska$137.26
Kentucky$141.39
Pennsylvania$144.21
Tennessee$148.45
Maryland$152.72
Michigan$154.85
Alabama$156.31
Georgia$159.18
New York$171.12
New Mexico$172.57
Colorado$174.61
South Carolina$180.94
Missouri$181.27
Iowa$183.53
Minnesota$184.27
Arizona$186.12
Arkansas$190.41
West Virginia$204.28
Texas$206.42
Mississippi$210.33
Montana$211.91
Louisiana$215.17
Oklahoma$225.84
Nebraska$229.25
North Dakota$231.04
District of Columbia$233.24
Wyoming$247.57
South Dakota$258.11
Kansas$267.91
U.S. Average$148.04
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Comprehensive Coverage helps you in non-collision situations where something out of your control happens to your car. This could be vandalism, theft (pretty likely in a lost key situation), or an act of God, or Force Majeure.

In general, you will most likely want to have Full Coverage auto insurance. This includes not just Comprehensive, but also liability auto insurance, collision insurance, and sometimes optional coverages such as Personal Injury Protection and MedPay.

Let’s take a look at a table showing average annual auto insurance rates across the U.S.

Annual Average Auto Insurance Rates by State and Company
StatesAverage Annual Rates by StateAnnual Average Allstate RatesAnnual Average American Family RatesAnnual Average Farmers RatesAnnual Average Geico RatesAnnual Average Liberty Mutual RatesAnnual Average Nationwide RatesAnnual Average Progressive RatesAnnual Average State Farm RatesAnnual Average Travelers RatesAnnual Average USAA Rates
Virginia$2,357.87$3,386.80Data Not AvailableData Not Available$2,061.53Data Not Available$2,073.00$2,498.58$2,268.95Data Not Available$1,858.38
Hawaii$2,555.64$2,173.49Data Not Available$4,763.82$3,358.86$3,189.55$2,551.83$2,177.93$1,040.28Data Not Available$1,189.35
West Virginia$2,595.36$3,820.68Data Not AvailableData Not Available$2,120.80$2,924.39Data Not AvailableData Not Available$2,126.32Data Not Available$1,984.62
Massachusetts$2,678.85$2,708.53Data Not AvailableData Not Available$1,510.17$4,339.35Data Not Available$3,835.11$1,361.86$3,537.94$1,458.99
Ohio$2,709.71$3,197.22$1,515.17$3,423.01$1,867.19$4,429.74$3,300.89$3,436.96$2,507.88$3,135.16$1,478.46
Maine$2,953.28$3,675.59Data Not Available$2,770.15$2,823.05$4,331.39Data Not Available$3,643.59$2,198.68$2,252.97$1,930.79
Idaho$2,979.09$4,088.76$3,728.79$3,168.28$2,770.68$2,301.51$3,032.19Data Not Available$1,867.96$3,226.29$1,877.61
Iowa$2,981.28$2,965.86$3,021.81$2,435.72$2,296.16$4,415.28$2,735.44$2,395.50$2,224.51$5,429.38$1,852.57
Washington$3,059.32$3,540.52$3,713.02$2,962.00$2,568.65$3,994.73$2,129.84$3,209.52$2,499.78Data Not Available$2,262.16
New Hampshire$3,151.77$2,725.01Data Not AvailableData Not Available$1,615.02$8,444.41$2,491.10$2,694.45$2,185.46Data Not Available$1,906.96
Wyoming$3,200.08$4,373.93Data Not Available$3,069.35$3,496.56$1,989.36$3,187.20$4,401.17$2,303.55Data Not Available$2,779.53
Montana$3,220.84$4,672.10Data Not Available$3,907.55$3,602.35$1,326.11$3,478.26$4,330.76$2,417.74Data Not Available$2,031.89
Vermont$3,234.13$3,190.38Data Not AvailableData Not Available$2,195.71$3,621.08$2,128.21$5,217.14$4,382.84Data Not Available$1,903.55
Kansas$3,279.62$4,010.23$2,146.40$3,703.77$3,220.65$4,784.42$2,475.59$4,144.38$2,720.00$4,341.43$2,382.61
Nebraska$3,283.68$3,198.83$2,215.13$3,997.29$3,837.49$6,241.52$2,603.94$3,758.01$2,438.71Data Not Available$2,330.78
Illinois$3,305.48$5,204.41$3,815.31$4,605.20$2,779.16$2,277.65$2,711.81$3,536.65$2,344.88$2,499.76$2,770.21
Missouri$3,328.93$4,096.15$3,286.90$4,312.19$2,885.33$4,518.67$2,265.35$3,419.14$2,692.91Data Not Available$2,525.78
North Carolina$3,393.11$7,190.43Data Not AvailableData Not Available$2,936.69$2,182.71$2,848.03$2,382.61$3,078.65$3,132.66Data Not Available
Indiana$3,414.97$3,978.81$3,679.68$3,437.55$2,261.07$5,781.35Data Not Available$3,898.00$2,408.94$3,393.75$1,630.86
Alaska$3,421.51$3,145.31$4,153.07Data Not Available$2,879.96$5,295.55Data Not Available$3,062.85$2,228.12Data Not Available$2,454.21
New Mexico$3,463.64$4,200.65Data Not Available$4,315.53$4,458.30Data Not Available$3,514.38$3,119.18$2,340.66Data Not Available$2,296.77
Oregon$3,467.77$4,765.95$3,527.28$3,753.52$3,220.12$4,334.55$3,176.83$3,629.13$2,731.48$2,892.19$2,587.15
Alabama$3,566.96$3,311.52Data Not Available$4,185.80$2,866.60$4,005.48$2,662.66$4,450.52$4,798.15$3,697.80$2,124.09
Wisconsin$3,606.06$4,854.41$1,513.27$3,777.49$3,926.20$6,758.85$5,224.99$3,128.91$2,387.53Data Not Available$2,975.74
Utah$3,611.89$3,566.42$3,698.77$3,907.99$2,965.57$4,327.76$2,986.57$3,830.10$4,645.83Data Not Available$2,491.10
Tennessee$3,660.89$4,828.85Data Not Available$3,430.07$3,283.42$6,206.69$3,424.96$3,656.91$2,639.30$2,738.52$2,739.28
Mississippi$3,664.57$4,942.11Data Not AvailableData Not Available$4,087.21$4,455.94$2,756.53$4,308.85$2,980.48$3,729.32$2,056.13
California$3,688.93$4,532.96Data Not Available$4,998.78$2,885.65$3,034.42$4,653.19$2,849.67$4,202.28$3,349.54$2,693.87
Arizona$3,770.97$4,904.10Data Not Available$5,000.08$2,264.71Data Not Available$3,496.08$3,577.50$4,756.25$3,084.74$3,084.29
South Carolina$3,781.14$3,903.43Data Not Available$4,691.85$3,178.01Data Not Available$3,625.49$4,573.08$3,071.34Data Not Available$3,424.77
Colorado$3,876.39$5,537.17$3,733.02$5,290.24$3,091.69$2,797.74$3,739.47$4,231.92$3,270.77Data Not Available$3,338.87
South Dakota$3,982.27$4,723.72$4,047.47$3,768.80$2,940.29$7,515.99$2,737.66$3,752.81$2,306.23Data Not AvailableData Not Available
Pennsylvania$4,034.50$3,984.12Data Not AvailableData Not Available$2,605.22$6,055.20$2,800.37$4,451.00$2,744.23$7,842.47$1,793.37
Texas$4,043.28$5,485.44$4,848.72Data Not Available$3,263.28Data Not Available$3,867.55$4,664.69$2,879.94Data Not Available$2,487.89
Arkansas$4,124.98$5,150.03Data Not Available$4,257.87$3,484.63Data Not Available$3,861.79$5,312.09$2,789.03$5,973.33$2,171.06
Oklahoma$4,142.33$3,718.62Data Not Available$4,142.40$3,437.34$6,874.62Data Not Available$4,832.35$2,816.80Data Not Available$3,174.15
North Dakota$4,165.84$4,669.31$3,812.40$3,092.49$2,668.24$12,852.83$2,560.35$3,623.06$2,560.53Data Not Available$2,006.80
New York$4,289.88$4,740.97Data Not AvailableData Not Available$2,428.24$6,540.73$4,012.93$3,771.15$4,484.58$4,578.79$3,761.69
Minnesota$4,403.25$4,532.01$3,521.29$3,137.45$3,498.54$13,563.61$2,926.49Data Not Available$2,066.99Data Not Available$2,861.60
District of Columbia$4,439.24$6,468.92Data Not AvailableData Not Available$3,692.81Data Not Available$4,848.98$4,970.26$4,074.05Data Not Available$2,580.44
Maryland$4,582.70$5,233.17Data Not AvailableData Not Available$3,832.63$9,297.55$2,915.69$4,094.86$3,960.87Data Not Available$2,744.14
Connecticut$4,618.92$5,831.60Data Not AvailableData Not Available$3,073.66$7,282.87$3,672.34$4,920.35$2,976.24$6,004.29$3,190.00
Florida$4,680.46$7,440.46Data Not AvailableData Not Available$3,783.63$5,368.15$4,339.60$5,583.30$3,397.67Data Not Available$2,850.41
Nevada$4,861.70$5,371.62$5,441.18$5,595.56$3,662.09$6,201.55$3,477.14$4,062.57$5,796.34$5,360.41$3,069.07
Georgia$4,966.83$4,210.70Data Not AvailableData Not Available$2,977.20$10,053.44$6,484.90$4,499.22$3,384.88Data Not Available$3,157.46
Rhode Island$5,003.36$4,959.45Data Not AvailableData Not Available$5,602.63$6,184.12$4,409.63$5,231.09$2,406.51$6,909.45$4,323.98
Kentucky$5,195.40$7,143.92Data Not AvailableData Not Available$4,633.59$5,930.97$5,503.23$5,547.63$3,354.32$6,551.68$2,897.89
New Jersey$5,515.21$5,713.58Data Not Available$7,617.00$2,754.94$6,766.62Data Not Available$3,972.72$7,527.16$4,254.49Data Not Available
Louisiana$5,711.34$5,998.79Data Not AvailableData Not Available$6,154.60Data Not AvailableData Not Available$7,471.10$4,579.12Data Not Available$4,353.12
Delaware$5,986.32$6,316.06Data Not AvailableData Not Available$3,727.29$18,360.02$4,330.21$4,181.83$4,466.85$4,182.36$2,325.98
Michigan$10,498.64$22,902.59Data Not Available$8,503.60$6,430.11$20,000.04$6,327.38$5,364.55$12,565.52$8,773.97$3,620.00
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Take a look at this video for more on full coverage car insurance

Hopefully, we have answered all of the questions in may arise in these unfortunate situations. If not, perhaps your answer will be found in the FAQ section coming up next. If there is a term you need to look up, you can also check out our glossary.

Are you ready to buy auto insurance? Now that you know if auto insurance covers key replacement, feel free to type in your ZIP code into our helpful tool below to find reasonable rates in your area. Which car insurance company is for you? Find out now.

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Frequently Asked Questions: Does auto insurance cover key replacement?

Hopefully we covered everything, but just in case, check out some common question about key replacement below.

#1 – Does AAA cover key replacement?

Should a locksmith be required, services with a value up to $50 are covered for Classic members.

#2 – Does State Farm cover key replacement or lost car keys?

If you have a comprehensive policy, yes, they would be covered under emergency road service coverage.

#3 – Does car warranty cover key fob?

Your auto warranty, auto insurance policy, and auto club membership will state whether or not they will pay for a replacement.

#4 – How do I get a spare key for my car?

A locksmith can help you procure a spare key.

#5 – What do I do if I lost my car keys and have no spare?

You should call a locksmith to come out and make you a new key right then and there.

#6 – Can you get a car key made with VIN number?

As long as you can prove that you are the owner of your vehicle, yes, the VIN number can be used to make a car key.

#7 – Does USAA cover lost car keys?

They will send out a locksmith, but if you lost a key, you’re going to have to pay for the service.

#8 – Does Progressive cover lost keys?

With their 24/7 Roadside Assistance program, they’ll send out a locksmith if your keys are lost or stolen.

#9 – Does Geico cover lost keys?

Their Emergency Lockout Service will help you by sending out a locksmith. Coverage is limited to $100 total for labor and supplies.

#10 – Is there key fob replacement insurance?

Although it is not an insurance company, EasyCare specializes in lost or stolen keys and key fobs.

#11 – Is there Nationwide insurance car key replacement coverage?

Yes, and they will replace your key, key fob, and programming should it be lost, stolen, or destroyed. There are plans with coverage amounts of either $400 or $800 per year.

References:

  1. https://law.lis.virginia.gov/vacode/title15.2/chapter21/section15.2-2108.19/

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