Losing your car keys can feel like a disaster. Whether they’ve vanished into the abyss of your couch or disappeared into thin air, the panic is real. But before you start retracing every step or considering a life of public transport, take a deep breath. You have options.
This guide walks you through the costs of replacing lost car keys, what to do when you have no spare, how to handle push-to-start vehicles, and whether insurance covers the replacement.
Lost Car Keys Replacement Cost
How much it costs to replace lost car keys depends on the type of key and your car’s make and model. Prices range widely based on complexity. Here’s a rough estimate:
Traditional Keys
- Basic car keys (no chip) cost around $10 to $50 to duplicate at a hardware store or locksmith.
Transponder Keys
- If your key has a chip inside, expect to pay $75 to $250 for a new one.
- You may need programming, which adds to the cost.
Remote Key Fobs
- Key fobs range from $100 to $300, depending on your car’s security system.
- Dealerships tend to charge more than locksmiths.
Push-to-Start Key Fobs
- The most expensive to replace, costing $200 to $600 or more.
- Programming is required, meaning you’ll likely need a dealership or a specialized locksmith.
Additional Costs
- Towing Fees: If your car needs to be towed to a dealer, add another $50 to $150.
- Emergency Locksmith Services: After-hours services could tack on an extra $50 to $200.
If you’ve lost your only key, costs will be higher, especially for high-end vehicles.
What to Do If You Lose Your Car Keys and Have No Spare
Lost all your car keys? Here’s what to do next:
1. Stay Calm and Retrace Your Steps
It may sound obvious, but check everywhere—pockets, under seats, and even odd places like the fridge (it happens). Sometimes, they show up in the least expected spots.
2. Check If You Have Key Replacement Coverage
Some car warranties, roadside assistance plans, or insurance policies offer car key replacement. Call and ask—this could save you a lot of money.
3. Call a Locksmith or Dealership
- Local Locksmith: Generally the cheapest and fastest option.
- Dealership: More expensive but necessary for some newer models requiring specialized programming.
4. Provide Proof of Ownership
Before you get a replacement, you’ll need to verify you own the car. Have your driver’s license, vehicle registration, and VIN ready.
5. Consider a Spare Key Moving Forward
Once you have a new key, make a duplicate. It’ll save you stress (and money) if this ever happens again.

What to Do If You Lose Your Car Keys Push to Start
Losing a push-to-start key fob is frustrating, but here’s how to handle it:
1. Check for a Backup Key
Some vehicles come with a valet key hidden inside the fob. Look in your glove box or owner’s manual to see if you have a spare.
2. See If Your Car Has an Emergency Start Feature
Many push-to-start cars have a backup method to start the engine. Try:
- Holding the dead fob against the start button—some vehicles allow this.
- Checking your owner’s manual—it may have a special trick for starting the car without a functioning fob.
3. Call a Locksmith Before a Dealership
- Some auto locksmiths can reprogram a new key fob for far less than a dealership.
- If your car is high-end, you may be stuck going to the dealership.
4. Prepare for a Higher Cost
Push-to-start fobs can cost hundreds of dollars. If your car needs dealer-exclusive programming, you’ll be at their mercy for pricing.
Are Lost Car Keys Covered by Insurance?
Insurance might cover lost keys—but don’t assume. Policies vary. Here’s what you need to check:
1. Comprehensive Car Insurance
Some comprehensive policies cover lost keys, but you’ll have to pay your deductible. If your deductible is high, it may not be worth filing a claim.
2. Roadside Assistance or Key Protection Plans
- Some roadside assistance programs offer key replacement as an add-on.
- Check with AAA, your car manufacturer’s roadside assistance, or even credit card benefits.
3. Extended Warranties
Some extended warranties include key replacement. Check your coverage details.
4. Homeowners or Renters Insurance
If your keys were stolen, some homeowners or renters insurance policies may cover replacement costs—especially if they were taken during a burglary.
5. Employer or Fleet Vehicle Coverage
If you drive a company car, your employer’s insurance or fleet coverage may handle key replacement.
Additional Tips to Avoid Losing Your Car Keys Again
Now that you’ve been through the stress, let’s avoid a repeat:
1. Use a Key Tracker
Attach a Bluetooth tracker (like Tile or Apple AirTag) to your keyring. You’ll always know where your keys are.
2. Have a Designated Spot
Always place your keys in the same spot when you get home. A key hook, dish, or drawer can save you time and frustration.
3. Get a Spare Key Now
Even if it costs a bit, a spare key is much cheaper than a full replacement.
4. Consider a Lockbox
If you frequently lose things, a lockbox in your car with a spare key inside could be a lifesaver.
5. Save a Locksmith’s Number
Finding a reputable locksmith when you’re not panicked is a smart move. Save their number in your phone so you don’t end up overpaying in a hurry.
Losing your car keys is frustrating, but it’s not the end of the world. Whether you need a quick replacement or a high-tech reprogramming, there are solutions. Costs vary based on your car type, and insurance may cover some of the expense.
Take this as a learning experience. Get a spare key, use a key tracker, and have a plan in place. That way, next time (hopefully, there won’t be a next time), you’ll be ready.
Now, go check the couch cushions—just in case.