Ever locked out of your car with keys inside? You’re not alone. Car unlock costs vary, but most locksmiths charge between $50 and $250. High-end or emergency calls could reach $300. But did you know many insurance plans and roadside services cover these expenses? This article breaks down prices and shows how to save using policies like Geico’s $14 yearly plan or AAA membership. Your keys stuck? Let’s find out what you’ll pay—and what you might avoid paying.
Insurance coverage for locksmith services depends on your plan. Roadside assistance often includes lockouts, but some policies exclude key replacements. Read on to learn how to check your coverage and reduce out-of-pocket costs.
The Average Cost of a Car Lockout Service
Costs change based on where you are and when you need help. Most locksmiths start at $60 to $90 for simple unlocks. Luxury cars might cost up to $120. Nighttime or holidays can be as high as $300.
Big cities like NYC cost more than small towns. Mike in Ohio paid $65 during the day. Sarah in New York paid $120 late at night.
Emergency fees can add up. But some services don’t charge extra if you have insurance. Nationwide’s roadside plan covers up to $100 for key locks. It costs just $1.90 a month.
Always ask for a price quote first. Look at different locksmith prices before choosing. Simple locks are cheaper than smart keys. Don’t wait until you’re locked out to plan.
Factors That Affect Pricing
Locksmith prices can go up by 100% because of four main things. Let’s look at them so you know what to expect next time.
Location & Time of Day
Getting locked out in Chicago at 2 PM on a Tuesday might cost $75. But, the same service at midnight on New Year’s Eve could be $150 or more. Cities like downtown Chicago have lower prices because there are more locksmiths.
In small towns, you might pay $20–$50 extra for travel. Nights and holidays also cost more. Remember, 24/7 service isn’t free!
Type of Car Lock System
Luxury cars like Mercedes or Tesla have high-tech locks. These need special tools. Basic cars with standard locks cost $75–$120.
But, a Lamborghini owner might pay $180+. Dealerships charge even more for keys. Always ask if they have the right tools for your car.
Emergency Fees
Emergency fees start at $50 for calls after hours. Weekend rates can add 30%. Some shops charge extra for damaged keys or broken windows.
Our partners reach you in 60 minutes. But delays can increase costs. Always ask for a price quote before agreeing to work.
Does Car Insurance Cover Lockouts?
Imagine you’re locked out and the locksmith bill looms. Does your insurance help? Basic auto policies rarely cover lockouts. But many insurers offer roadside assistance add-ons that include this service. Let’s break down what works.
Companies like Geico sell roadside assistance for just $16 yearly. Their plan pays up to $100 for locksmiths and includes jumpstarts or tire changes. To use it, call their 24/7 line at 1 (800) 424-3426. AAA members get up to $150 depending on their membership level. USAA covers unlocking costs but not new keys. Progressive and Allstate require proof of damage from a crash to pay for keys.
- Geico: $100 max per lockout
- AAA: Limits range $50–$150 by membership tier
- USAA: No key replacement costs
Read your policy carefully. Some insurers reimburse you after paying upfront. Others pay directly. Always confirm details before a crisis. Ask: “Does my insurance coverage include locksmiths?” Most roadside add-ons cost $10–$20 yearly—a small price for peace of mind.
Alternatives to Paying Out of Pocket
Want to save on car unlock costs? Check your insurance first. GEICO’s Emergency Roadside Service covers lockouts up to $100 for just $14 a year. They have a wide network, so help comes fast without extra fees if you’re a policyholder.
Also, look at your auto insurance. Companies like Allstate have pay-per-use plans. These are perfect for when you need help only sometimes.
Credit cards can also help. Many offer roadside perks. Just call customer service to see if they can help for free.
New car buyers, listen up. Brands like Toyota or Ford give free roadside assistance for 3–5 years. This includes help for lockouts and more.
AAA offers full coverage but costs more. Compare their $200+ annual fee to cheaper options first. Even telecom companies like Verizon might offer roadside benefits with cell plans.
Prevention is key. Keep a spare key in a magnetic box or use a smart key fob. Many cars now have digital access apps too.
Shopping around can save you hundreds. GEICO’s plans, credit card perks, and manufacturer programs all help reduce the cost. Pick what works best for you.