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Does Auto Insurance Roadside Assistance Cover Keys Locked in a Car?

By Kim Franke-Folstad · September 01, 2022 · 5 minute read

We’re here to help! First and foremost, SoFi Learn strives to be a beneficial resource to you as you navigate your financial journey. Read more We develop content that covers a variety of financial topics. Sometimes, that content may include information about products, features, or services that SoFi does not provide. We aim to break down complicated concepts, loop you in on the latest trends, and keep you up-to-date on the stuff you can use to help get your money right. Read less

Does Auto Insurance Roadside Assistance Cover Keys Locked in a Car?

Roadside assistance coverage is designed to help motorists in trouble get back on the road. That usually includes helping drivers who have locked their keys in their car. Keep in mind that some plans place an annual limit on the number of calls for service or the amount they’ll reimburse you for specific services — including lockout assistance.

Read on for more information about what to expect when you sign up for auto insurance roadside assistance.

How Much Does It Cost to Unlock a Car?

If you don’t have roadside assistance and lock your keys in the car, expect to pay as much as $300 to have a locksmith come to your aid. The price varies depending on several factors, including the time of day, age and model of your car, and how far the locksmith has to drive. If you’re close to where the locksmith is working and your call comes in during normal business hours, the cost could be closer to $75 to $150.

There may be additional fees, however, if you’ve lost your key completely (rather than locking it in the car) and the locksmith has to cut a new one for you.

But if you do have roadside assistance coverage, all or some of the cost could be covered. Some plans cover getting you back into the car, for example, but not the cost of a replacement key, key fob, or repair of a damaged keypad.

Recommended: Ways to Save Money on Car Maintenance

Should You Call Roadside Assistance to Unlock Your Car?

When deciding whether to call roadside assistance to unlock your car, think safety first. If you’ve had an accident, you’ve locked a pet or child in the car, or you feel in danger in some way, make your first call 911.

But if you feel safe, roadside assistance is probably your best bet. You’ll get help quickly and with the least amount of risk to you, any passengers, and your vehicle. (Just remember to program the number into your phone.)

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Common Roadside Assistance Service Benefits

Roadside assistance can be useful when you’re stranded on the side of the road and need a repair or some other type of service. This can be especially important for seniors, first-time drivers, people with a physical disability, and parents of young children.

Here are some of the most common circumstances for which a motorist might use roadside assistance:

Towing

If your car can’t be quickly or safely repaired or restarted where it is, roadside assistance can have it towed to a nearby qualified repair shop.

Battery Jump-start

Roadside assistance can jump-start a dead battery. In some cases, they may be able to install a new battery on site.

Flat Tire Change

Sometimes it just isn’t possible to get out and change your own tire on the roadway. Roadside assistance providers are trained to take care of flats on scene — if you have a spare available — or have your car towed to a location where the tire can be changed.

Emergency Fuel or Electric Car Battery Charge

If you run out of gas, roadside assistance may offer free fuel delivery to your location. And if the battery on your electric vehicle needs a charge, you may be able to have your car towed to the nearest charging station at no cost. (However, expect to pay for the fuel or the battery charge.)

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How to Choose the Right Roadside Service Provider

Before you go shopping for coverage, check to see if it’s already provided by your auto insurance, vehicle manufacturer, credit card company, or an organization with which you’re associated. Customer reviews can indicate how reliable a provider is.

Be aware that some plans that come with a new car cover you for only a limited period of time, from a few months (as with a free trial) to a few years (such as the length of your limited warranty).

Roadside assistance is typically offered for an annual fee. Some plans provide only the basics (which usually includes lockout service), while others offer several tiers of benefits. When choosing your level of coverage, know that cheaper plans often have lower limits on the numbers of calls you can place, or cover only a portion of towing and other services. Read the fine print to make sure you understand what you’re getting.

Has your insurance gone up after an accident? If you’re doing some personal insurance planning, see how a new SoFi auto policy might fit in your overall strategy. You may be able to lower your car insurance premiums by bundling it with other types of insurance coverage.

Recommended: Car Insurance Terms, Explained

Ways To Get Your Car Open If You’re Locked Out

Locking your keys in your car is a maddening experience, especially when you’re running late or alone in a dark parking lot. If you’re stressed out, you may want to call for help right away. But if you’re up for trying a DIY break-in, here are a few tips.

Use a Wire Hanger

If your car has a manual lock, you can try threading a hanger or similar tool through the rubber gasket around the driver’s side window and into the door frame to pull up the lock-pin. Keep in mind that this method can damage your car, which could cost more than waiting for a pro.

Go Through the Trunk

If your trunk is open, you might be able to access the backseat. Check to see if there’s a panel you can push that allows you to crawl through to the car’s main interior.

Turn Your Phone Into a Digital Key

If you’ve already added a digital car key to your smartphone, now is the time to try it out!

Get the Key Code to Make a New Key

After the roadside assistance service person verifies that the car you want to get into is yours, he or she may be able to get the key code from the manufacturer or dealer (or by using decoding tools) and cut you a new metal key.

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The Takeaway

Roadside assistance programs typically cover a wide range of problems that befall motorists for an annual fee. The most common service calls are lockouts, flat tires, battery jump-starts, and emergency fuel delivery when you’ve run out of gas. Most plans consider lockouts a basic service, but you should check the fine print on your plan to verify what’s included.

Did you know that SoFi can help you find the best auto insurance policy for your needs? SoFi offers a true comparison shopping experience, and provides an apples-to-apples comparison against your existing policy to find you a great deal. SoFi can walk you through the whole research process, from explaining about different types of insurance deductibles to offering tips on how to save on car maintenance costs.

SoFi Auto Insurance: Real rates, with no bait and switch.

FAQ

How does roadside assistance open a locked car?

A roadside assistance service provider will likely have several different tools available to pop or pick a car lock, or they may be able to cut a new key for you. If all else fails, your car can be towed to a location where the car can be worked on.

What should you do if your car is locked and the keys are inside?

If you’ve locked in a child or pet, or you feel in danger, call 911 right away. But if you feel safe and you’re looking to get help quickly and with the least amount of risk to you and your vehicle, a call to roadside assistance can be a good choice.

Can 911 help with locked keys in a car?

911 was created to deal with emergencies, and it will be up to the dispatcher to decide how to prioritize your call. If an officer is dispatched, or if one sees you stranded and pulls over to help, you still may have to wait for a locksmith with the proper tools or a tow truck.


Photo credit: iStock/ronstik

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Gabi is a registered service mark of Gabi Personal Insurance Agency, Inc.
SoFi is compensated by Gabi for each customer who completes an application through the SoFi-Gabi partnership.

Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.
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