What to Do When You Lock Your Keys in Your Car
Your immediate options when keys are locked inside
If your keys are locked in the car, you have three practical routes: call a locksmith, contact roadside assistance if you have it, or call a towing service. A locksmith can usually open your car within 30 minutes to an hour. Roadside assistance through your insurance company or an auto club membership often covers lockouts at no cost or a small fee. A tow truck can also unlock the car, though this is typically more expensive than a locksmith.
Before you call anyone, check whether you have a spare key nearby — with a family member, friend, or at home — that someone could bring to you. This is free and often faster than waiting for a service vehicle. If you have roadside assistance through your insurance policy, check your card or policy documents for the phone number; calling them first usually gets you the fastest response because they dispatch directly to their network.
Key Takeaways
- A locksmith is usually the fastest and cheapest option, costing between $50 and $150 depending on your car and location.
- Roadside assistance through your insurance or an auto club membership often covers lockouts at no extra cost beyond your membership fee.
- Check your insurance card or membership documents for the roadside assistance phone number before you need it.
- Having a spare key with someone you trust nearby can save you money and time in a lockout.
- Towing services can unlock your car but typically cost more than locksmiths unless you already have a tow membership.
Finding and calling a locksmith
Search online for "locksmith near me" or "automotive locksmith" in your area. Call at least two locksmiths to compare prices before you commit — costs vary widely based on your car's make and model, the time of day, and your location. Most locksmiths charge between $50 and $150 for a standard lockout. Ask whether the price includes opening the car or if there are additional fees.
When you call, tell the locksmith your car's year, make, and model, and your exact location. Ask how long they typically take to arrive. Legitimate locksmiths will ask for your driver's license when they arrive to confirm you own or have permission to access the vehicle. Avoid locksmiths who cannot give you a price estimate over the phone or who seem unwilling to provide identification.
Using roadside assistance or auto club membership
If you have roadside assistance through your auto insurance, the phone number is usually on the back of your insurance card. Call that number first — they dispatch to their network of service providers and often respond faster than calling a locksmith directly. Most insurance roadside assistance plans cover lockouts at no cost, though some charge a small fee per incident.
Auto club memberships like AAA also cover lockouts. If you are a member, call the number on your membership card. AAA members typically get lockout service covered as part of their membership. The dispatcher will ask your location and vehicle information and send a locksmith or tow truck to you. Response times vary by location and demand, but you can usually expect service within 45 minutes to two hours.
What to expect during the unlock process
When the locksmith or service provider arrives, they will ask to see your driver's license to confirm you have the right to access the vehicle. They may also ask for your vehicle registration or proof of insurance. This is standard practice and protects both you and them. Have these documents ready if possible.
The actual unlock usually takes 15 to 30 minutes. The locksmith will use specialized tools to open the door without damaging the lock or window. Modern cars with electronic locks may take longer than older vehicles. Once the door is open, you can retrieve your keys. Pay the locksmith at that time — most accept cash or card. Ask for a receipt for your records.
Preventing future lockouts
The simplest prevention is to keep a spare key in a secure location outside your car — with a trusted family member or friend, or in a locked box at home. Some people keep a spare in their wallet or purse, though this only works if you are not locked out of your car while carrying your wallet. Never hide a spare key under the car, in the wheel well, or in the bumper; thieves know these spots.
If you have a newer car, check whether the manufacturer offers a remote unlock service through a mobile app or phone call. Some car brands allow you to unlock your vehicle remotely if you have the right subscription or app set up. Review your car's manual or contact the dealership to learn whether this option is available for your model.
If you are locked out in unsafe conditions
If you are locked out on a highway, in a dangerous area, or in extreme heat or cold, call a tow truck instead of waiting for a locksmith. A tow truck can arrive faster in some situations and will also transport you to safety if needed. Call 911 if you are in immediate danger or if someone is trapped in the car — do not wait for a locksmith in these cases.
If a child or pet is locked in the car, call 911 immediately. Police or fire departments can unlock the car quickly in emergencies. Do not attempt to break a window yourself unless the situation is life-threatening, as this can cause injury and will require expensive repairs.
Cost comparison of your options
| Service | Typical Cost | Response Time | Best For |
|---|---|---|---|
| Locksmith | $50–$150 | 30 minutes to 1 hour | Quick, affordable unlock during business hours |
| Roadside Assistance (Insurance) | $0–$50 | 45 minutes to 2 hours | If you have coverage; often free or low-cost |
| Auto Club (AAA) | $0 (included in membership) | 45 minutes to 2 hours | If you are a member; no per-incident fee |
| Tow Truck | $75–$200+ | 30 minutes to 1 hour | Unsafe locations or if you need transportation |
| Spare Key (friend or family) | $0 | Varies | Fastest and cheapest if someone is nearby |
Frequently Asked Questions
Will a locksmith damage my car door or lock?
Professional locksmiths use specialized tools designed to open car doors without damage. However, older locks or certain car models may be more prone to minor cosmetic marks. Ask the locksmith about their damage policy before they begin. If damage does occur, document it with photos and ask the locksmith for a written statement.
What if I locked my keys in the car at night or on a weekend?
Locksmiths work 24 hours a day, seven days a week, though after-hours service may cost more — sometimes 50 percent to 100 percent higher than daytime rates. Roadside assistance through insurance also operates around the clock. Call your insurance roadside assistance line first, as they may have better rates for off-hours service than calling a locksmith directly.
Can I unlock my car myself?
Attempting to unlock your car yourself can damage the door, lock mechanism, or window. Modern cars have complex locking systems that are difficult to open without proper tools. It is safer and usually cheaper to call a professional than to risk damaging your vehicle.
Do I need to call the police if my keys are locked in the car?
No, a lockout is not a police matter unless a child or pet is trapped inside. Call a locksmith or roadside assistance instead. Police have more urgent calls to respond to and will direct you to a locksmith anyway.
What should I do if the locksmith seems suspicious or asks for payment upfront?
Reputable locksmiths ask for payment after the job is complete, not before. If a locksmith demands payment upfront, refuses to show identification, or quotes a price that seems extremely low, do not use them. Hang up and call another locksmith. Scam locksmiths sometimes overcharge after arriving or cause intentional damage to charge more.