Does auto insurance cover locksmiths?

Does auto insurance cover locksmiths? While liability auto insurance generally doesn't cover locksmiths, there are still options to get help paying for the service. Roadside assistance auto insurance does cover locksmiths at an affordable rate as low as $25 a month. If you don't want to get coverage through insurance, some private companies offer networks where you can get roadside assistance at a separate cost.

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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: Dec 1, 2021

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A Concise Overview

  • Roadside assistance coverage covers locksmiths
  • Roadside assistance is an add-on that can cost about $25 a month
  • Some private companies offer other options

Does auto insurance cover locksmiths? While basic auto insurance may not cover a locksmith, there are options available to you. For example, roadside assistance coverage on your personal or commercial auto insurance policy is an affordable way to get back into your vehicle.

Since you know some auto insurance does cover locksmiths, enter your ZIP code to see rates from multiple auto insurance companies.

Does auto insurance cover locksmiths?

Locking your keys in your car is stressful, especially if you don’t have a spare nearby. In this situation, you would benefit from having auto insurance with roadside assistance.

Luckily, some auto insurance companies offer coverage for locksmiths with some coverage options. However, even if you have coverage, you may have to pay for the locksmith and be reimbursed by your insurance company.

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What kind of auto insurance do I need for a locksmith?

If you want a locksmith to be covered by your auto insurance company, you’ll need to look for one that offers roadside assistance. This coverage can be an add-on to your policy or an individual agreement between you and the company.

What is roadside assistance coverage?

Roadside assistance coverage is great because it can help you in various situations that your traditional insurance might not extend to. 

When you have roadside assistance, you can get help with the following issues:

  • Tire changes
  • Jump starting your car’s battery
  • Delivering a new battery or fluids
  • Locksmith services
  • Towing

Most simple issues that the mechanic can fix quickly will be handled by the professional while you wait safely. If the assistant cannot help you on the road, they may be able to tow your car home or to a local mechanic to get the necessary repairs.

Can I get an auto insurance add-on for a locksmith?

According to Allstate, if you decide to get roadside assistance as an add-on to your existing coverage, you can expect to pay an additional $25. This isn’t a significant increase but may not be an affordable solution for some customers.

What if I don’t have auto insurance coverage for a locksmith?

There are options outside of getting roadside assistance on your auto insurance policy. While they will vary in cost, some of your other options for unlocking your car include:

  • AAA – This federation of motor clubs is a private not-for-profit organization that connects its customers with local professionals.
  • Out of pocket – If you need help immediately and don’t have insurance, you will likely have to pay out of pocket for the locksmith’s service.

Even if you don’t have auto insurance that provides roadside assistance, you can get help paying for the coverage. That being said, a little preparation can prevent you from having to worry about the costs later.

According to the General Services Administration, you can call your car’s manufacturer if it’s still under warranty. The operator will dispatch someone to help you change a tire, unlock your door, or tow you to your destination.

How much do locksmiths cost?

The cost for the locksmith’s services will depend on the age and type of car you drive, as different locks require different levels of work. For example, a simple electric lock might be easier than a mechanical lock the locksmith has to fiddle with.

According to Forbes, a locksmith can cost anywhere from $100 on the low end to $225 on the higher side. The average cost for a locksmith is around $160 per incident. So while you might easily afford one instance, it’s a good idea to have a plan in place for next time.

How do insurance companies pay for locksmiths?

The insurance company will pay for your locksmith in one of two ways, and it will likely depend on your specific coverage. When the locksmith has you safely back in your vehicle, you might:

  • Be billed by the locksmith immediately and reimbursed by your insurance
  • Be covered by an insurance company that pays the locksmith directly and immediately

Since you’ll need the available funds for the locksmith’s services, you should ask your insurance company how they handle this situation.

What insurance companies cover locksmiths?

If you’re looking for roadside assistance coverage, you have many options. So, which companies cover locksmiths?

  • Does Progressive cover locksmiths? Yes
  • Does GEICO cover locksmiths? Yes
  • Does Allstate cover locksmiths? Yes

Now that you know in what cases GEICO covers you locking your keys in your car, you can find the coverage you need.

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Auto Insurance and Locksmiths: The Bottom Line

As you’ve read, getting back into your car once you’re locked out can be achieved easily. However, if you want to keep from paying the expenses when it happens, an insurance policy with roadside assistance will be your best bet.

Enter your ZIP code into our free quote tool to see what you could pay for roadside assistance coverage today.

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