Wondering if your car insurance cover locksmith charges? Read on to know!


Just like your car needs regular maintenance, you also need a locksmith for your car, knowingly or unknowingly, for security purposes or to get out of lockout situations. Whether you lost your car keys or broke the key inside the lock or locked your pet inside the car, you would need an auto locksmith to help you out in such situations. Fortunately, the locksmith charges can be reimbursed by your insurance provider.

Get a Roadside Assistance insurance

Roadside assistance insurance program is one of the easiest ways to gain access to your locked car. If you have a roadside insurance, you can easily get access to a locksmith and you will also be covered for related services like towing the car, flat tires, jumpstart and emergency fuel delivery. This insurance is quite affordable and can be added on top of the current car insurance plan. Check with your locksmith company if they accept your insurance plan.

In case you don’t have a roadside insurance plan, your car insurance policy might still cover for a locksmith, make sure you check with them first.

What if I don’t have Roadside Insurance cover

The fees a locksmith will charge to open a car door will depend on the make of the car. For older brands with no electric locking systems, the cost will be cheaper as compared to newer sophisticated brands with high-tech security gadgets. A locksmith will charge an average of $60 to $120 to open the car. Luckily, many insurance companies will cover for a lockout situation even if you do not have a roadside assistance plan. You must read the policy details carefully in order to know what locksmith services are covered.

If you are in any kind of lockout situation, you should ideally call your insurance provider first to ensure it will be covered and if so, what is the process. Some insurance companies would need a certified locksmith or a locksmith approved by them. It is suggested that you go with the locksmith approved your insurance company.

In case you do not contact your insurance provider, make sure you get a detailed invoice from your locksmith services company which you will need to submit to the car insurance company for reimbursement.

How can Car Keys Guru help

Car lockout situations are never a pleasant one but there is not need to panic as well. You have got options. There are a lot of auto locksmith providers in Houston and other areas who provide reliable and affordable auto locksmith services like car lockout services and many more. Car Keys Guru is one such locksmith services company in Houston which has 30 branches across the country to ensure quick service. We can work with you and your insurance provider so that you do not have to go through all that hassle while getting your car unlocked. We also provide emergency locksmith services where our locksmiths will be at your door within 30 minutes of your call. Call us now at 2817776030 and get a hassle-free car locksmith service experience.