Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Feb 12, 2022

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The Lowdown

  • Traditional auto insurance doesn’t cover locking your keys in your car
  • Roadside assistance will usually unlock your car for free at least once a year
  • You can attempt to unlock your car yourself by using a string, a wedge, or other devices

If you’ve ever had your keys locked in a car before, you know that it can be frustrating and time-consuming. On top of that, traditional auto insurance doesn’t pay for your car to be unlocked.

If you are concerned about locking your keys in your car, adding roadside assistance will give you peace of mind. While many auto insurance companies offer the service, you can also obtain it from auto clubs.

Before you purchase roadside assistance, shop around. Each company will offer different coverages and rates.

Continue reading to find out what type of auto insurance will cover keys locked in a car. Enter your ZIP code now to compare free auto insurance quotes from companies that offer roadside assistance in your area.

What auto insurance covers keys locked in a car?

Full coverage auto insurance will cover damages to your vehicle, but it won’t unlock your car for you. Unfortunately, you are limited regarding who to call when keys are locked in the car.

While traditional auto insurance doesn’t cover a locksmith to unlock your car, roadside assistance can help. If you have roadside assistance on your policy, your insurance company can send a service out to assist you.

Most auto insurance companies offer roadside assistance, and you can also acquire coverage from auto clubs like AAA.

Which auto insurance companies offer the best roadside assistance? That depends on the coverage you want. Every company will offer different coverages, and most plans will include a locksmith and towing.

Rates will also vary. For example, GEICO offers roadside assistance for as low as $14. However, rates can be as high as several hundred dollars a year for services like OnStar.

Keep in mind that each policy will have a limit of how many service calls you are allowed. For example, with AAA, keys locked in the car — or other service calls more than four times a year — will cost you extra.

If you often lock your keys in your car, consider other methods for getting back on the road again. While it’s a good idea to have roadside assistance for emergencies, you don’t want to depend on it often.

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How can you get in your car if the keys are locked inside?

You were in a hurry and wound up locking your keys in the car. Now what should you do? There are several things you can do to get your doors unlocked.

First, ensure that all of your doors are locked. There may be a door that didn’t lock properly or a window that’s rolled down. Be sure to check your vehicle before you do anything else.

If you are in a safe location, you can call roadside assistance to unlock your car. However, you should be prepared to wait, as it can take a while to get a service technician to your vehicle.

You can also call a locksmith yourself if you don’t have roadside assistance. However, a service call can be as much as $250.

If you have a service like OnStar, it can unlock your vehicle remotely. Having a friend or family member bring a spare key is also an option if you are close by.

Although learning how to get keys out of a locked car with automatic locks can be difficult, you can also try to unlock your door yourself. There are several methods out there on how to unlock a car without keys.

You can use a shoelace, a wedge, a bobby pin, a coat hanger, or even a spatula in an attempt to unlock your door. However, these items can damage your paint or your vehicle since many methods involve trying to pry your window down or your door open.

Calling the police for assistance should only be an option if you are unsafe or have locked a child or pet in the car. Otherwise, the police will not open your car for you.

How can you avoid locking your keys in a car?

If you’re concerned about locking your keys in your car — or you do so often — there are some steps you can take to avoid calling roadside assistance or trying to unlock the door yourself.

Follow these steps to avoid having your keys locked in a car:

  • Consider buying a vehicle with an exterior keypad that unlocks the door. You can simply type in your code and the doors unlock.
  • Hide a key on your vehicle using a magnetic box that requires a code. This protects your car from theft if the box is found by someone else.
  • Have multiple extra keys made. Leave a copy at home, at work, and with family members and trusted friends.
  • Some vehicles now come with an app that lets you perform certain functions remotely, such as unlocking the doors.

Perhaps the best way to avoid locking your keys in your car is to simply take your time. Most people forget their keys because they are in a rush. Before you shut your door, make sure that your keys are in hand.

Auto Insurance that Covers Keys Locked in a Car: The Bottom Line

Standard auto insurance doesn’t cover you if your keys are locked in the car. You will need roadside assistance for a locksmith to be covered, but there is a limit to how many times you can use it.

You can also attempt to open the car door yourself using a variety of items such as a string, a wedge, or a screwdriver. However, those items can damage your vehicle in the process.

Consider adding a hidden key, having extra copies of your key made, or purchasing a car with an exterior keypad that unlocks your door.

Finding affordable auto insurance that covers your keys locked in a car isn’t difficult since most companies offer roadside assistance. Enter your ZIP code now to obtain free quotes from auto insurance companies near you.

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