Car Key Replacement Cost: Locksmith vs. Dealer (2026)
Lost your car keys? Find out why calling a mobile locksmith is faster and 50% cheaper than the dealership.
The biggest question we get is: “Should I go to the dealer or call a locksmith?”
Price Comparison: Locksmith vs. Dealership
Here is a real-world breakdown of the costs for a standard transponder key replacement.
- Key Cost: $150 – $400
- Labor/Programming: $100 – $200
- Towing Required: YES ($100+)
- Wait Time: 1-3 Days
- Total: $350 – $700+
- Key Cost: $90 – $250
- Labor/Programming: Included
- Towing Required: NO (We come to you)
- Wait Time: Same Day (1-2 Hours)
- Total: $180 – $400
Cost by Key Type
Not all keys are the same. The price depends heavily on the technology in your hand.
| Key Type | Description | Est. Cost |
|---|---|---|
| Basic Metal Key | Older cars (Pre-1998). No chip. | $100 – $150 |
| Transponder Key | Plastic head with a chip. Starts the car. | $140 – $225 |
| Remote Head Key | Key with buttons (Lock/Unlock) built-in. | $180 – $280 |
| Smart Key / Fob | Push-to-Start button. Proximity sensor. | $250 – $450 |
Car Key Replacement Costs by Key Type & TechnologyCommon Questions
What if I lost ALL my keys?
If you have no spare, the dealer requires you to tow the car to them to prove ownership and program the computer. A locksmith does not need a tow. We drive to your car, use your VIN number to cut a new key on-site, and plug our computer into your dashboard to program it.
Can I buy a cheap key on Amazon/eBay?
Does my insurance cover lost keys?
Standard liability insurance does not. However, if you have comprehensive coverage or a specific “Roadside Assistance” add-on, they may reimburse you for a portion of the cost.
Lost Your Car Keys?
Don’t pay for a tow truck. We come to you and make a new key on the spot.