Does auto insurance cover a locksmith?
Does auto insurance cover a locksmith? That depends on your policy. Often, car insurance does cover a locksmith and insurance companies do not tell their policyholders. Always read the fine print of your policy so you know exactly what your auto insurance coverage entitles you to.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Laura D. Adams
Insurance & Finance Analyst
Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...
Insurance & Finance Analyst
UPDATED: Aug 15, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider 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 auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Aug 15, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider 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.
On This Page
Getting locked out of your vehicle is never fun. Not only do you have to struggle endlessly to find your keys, you also have to eventually admit defeat and call up a locksmith to come and help you out. Depending on which locksmith you use, you might end up paying a pretty penny to simply have somebody come and open your car door for you. Fortunately, in many cases, the cost of the locksmith’s service can be reimbursed by your car insurance policy. You may be able to have your auto insurance cover a locksmith.
Table of Contents
Your Auto Insurance Might Cover A Locksmith With Roadside Assistance
The most popular way to use your insurance company to get back into your locked car is with a roadside assistance program. If you have roadside assistance, a locksmith be deployed to you, you will also be covered for flat tires, towing, battery jumpstarts, emergency fuel delivery, etc. Roadside assistance locksmith coverage is often times very cheap and can be added to an insurance policy quickly and easily.
Read more: Does my auto insurance cover towing and roadside assistance?
State Farm’s Emergency Road Service, for example, will cover you for the cost of your locksmith. There is no State Farm locksmith for them to cover it themselves, but they will reimburse you for however much you paid once you submit an invoice to them. The good thing about State Farm’s Emergency Road Service package is that if you file a claim under this plan, it will not affect your overall premiums.
Locked keys in the car? Geico can cover in with roadside assistance. Roadside assistance with Progressive covers locked keys in the car as well. Other insurance providers with roadside assistance coverage that will assist you in lockouts include American Family, Farmers, and AAA. Please call your insurance company or insurance agent for specific details as to what they cover and what they do not.
If you do not have roadside assistance coverage, your insurance policy still might cover you, you just have to check with them first.
Compare over 200 auto insurance companies at once!
Secured with SHA-256 Encryption
Does auto insurance cover a locksmith without roadside assistance?
Most locksmiths will charge around $50-100 to open your car door. Of course, this all depends on your car’s make and model. Older cars without electric locking systems can be simple feats to get into. Newer vehicles with better security systems will be a bit trickier. You’ll be happy to know, however, that many insurance companies will cover the cost of the locksmith.
It’s important to educate yourself on the ins-and-outs of your car insurance coverage. Be sure to read the fine print of your policy to be sure you are covered for locksmith services. Many insurance companies do not tell their policyholders about this coverage, so many customers do not know that they are entitled to this benefit.
The first thing you should do if you get locked out of your vehicle is to call up your auto insurance provider. While many insurance companies will cover the cost of the locksmith, they also might have some restrictions as to how it’s done. Some insurance companies will require a certified locksmith, or a locksmith approved by them, in order for it to be covered.
In addition, your insurance company will provide you with the contact information of the right locksmith to get in tough with. This will prevent you the headache of having to find a locksmith on your own (especially finding a REPUTABLE locksmith). You can be sure that the locksmith your insurance company connects you with will know how to get you back into your vehicle the proper way.
If you, by any chance, do not call your auto insurance company before you call the locksmith out to your car, make sure you get a detailed invoice of the work that the locksmith does for you. After the work is complete, you can submit the invoice to your car insurance company to see if they will reimburse you.
Getting locked out of your car is always a hassle, but as you can see, you do have options. If you do not have a roadside assistance plan, consider calling up your insurance company today so that you will not be hopelessly locked out in the future. If a roadside assistance plan is not an option for you, check with your insurance agent to see if your current policy covers locksmith costs.
Frequently Asked Questions
Does auto insurance cover a locksmith?
Yes, auto insurance may cover locksmith services, but it depends on your policy. Always review the fine print of your policy to understand your coverage and entitlements.
How can I use my auto insurance to cover a locksmith?
The most common way to use insurance for locksmith services is through a roadside assistance program. Many insurance companies offer this coverage, which includes locksmith services along with other benefits like towing, flat tire assistance, and battery jumpstarts.
Which insurance companies cover locksmith services through roadside assistance?
Some insurance providers that cover locksmith services through their roadside assistance programs include State Farm, Geico, Progressive, American Family, Farmers, and AAA. Contact your insurance company or agent for specific details regarding coverage.
What if I don’t have roadside assistance coverage?
Even if you don’t have roadside assistance, your auto insurance policy may still cover locksmith services. Check with your insurance provider to determine if this coverage is included in your policy.
What should I do if I get locked out of my car?
If you get locked out of your vehicle, the first step is to call your auto insurance provider. They can provide guidance on the coverage available and may offer recommendations for certified locksmiths to contact.
Compare over 200 auto insurance companies at once!
Secured with SHA-256 Encryption
Laura D. Adams
Insurance & Finance Analyst
Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...
Insurance & Finance Analyst
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.