What to do if you lose your car keys

It’s something you never want to think about – misplacing your car keys. No matter how careful you are, just one moment of forgetfulness to send yourself into a spiral of panic and anxiety. Use our guide to help you decide what to do if you lose your car keys, who to call and how to prevent it from happening in the future.

1. Retrace your steps

The first step in finding lost keys is retracing your steps. When retracing your steps, try to remember the last time you remember seeing your keys. Where were you? What were you doing? What did you do next? This can help you find your starting point.

2. Check your house or car

After retracing your steps, start looking for your keys in the common areas of your house and your car. Don’t forget to look inside drawers, pockets, laundry baskets and on top of shelves and countertops. If your car is unlocked, check inside..

3. Call a locksmith or contact your car dealership

If you truly have lost your keys, it’s time to call in a locksmith or dealership. Depending on the type of key your car uses, either specialist can help you get back on the road.

When to call a locksmith

If your car has a traditional metal key, the easiest way to unlock your car could be to just call a locksmith and have them make keys for you on the spot.

When to contact your dealership

If your car has a transponder key, key fob or smart key, it might be time to call the car dealership. Make sure you know the make, model and year of your car, along with your VIN, before you call.

• Transponder key: A transponder key is similar to a traditional key, but at the top of the key is an electrical element (a security chip) that emits a signal to lock and unlock your car, open the trunk, set off the alarm and start the vehicle.[1]
• Key fob and/or switchblade key: These keys include remote fobs that lock and unlock the vehicle. A switchblade key, however, includes a spring-loaded key mechanism that folds into the fob like a switchblade. This dual system allows for remote access to the vehicle and a sleeker, minimal key design that folds into itself for easier transport. If you lost your key fob but still have the metal key, you can typically still get into your car and start it.[1]
• Smart key: Smart keys are used in place of actual keys. When used, drivers can unlock their cars remotely and use a push-start button system to start the car, not needing to insert a key into the ignition to get the engine running.

How to prevent losing your car keys

1. Get a car key tracker

Key trackers are a modern way to keep track of your keys, wallet and more. These devices work via a signal that’s transmitted across devices and often connects to an application on your phone. Choose between a Bluetooth or a GPS tracker to always know where your keys are. Bluetooth is more ideal for short-range tracking, whereas GPS trackers are better suited for tracking over long distances.

2. Create a designated spot for your keys

Use a hanging key holder or a key bowl can be a quick and easy way to avoid misplacing your keys. Form a habit of always putting your keys in a secure and convenient place so you don’t have to remember where you left them.

3. Buy a lanyard, key ring or chain

A lanyard or other transportable key holder is another simple fix to help you keep track of your keys. A long lanyard, chain or trinket on your keys can make them harder to lose because of the noise it makes and the length of the attachment. Adding weight to your key chain will also make it harder to lose when you’re out, as you’ll be more likely to miss the feel of the keys in your purse or pocket.

4. Get a spare key

Another great way to ensure that a lost key doesn’t slow you down is by creating a duplicate or requesting a spare. With a spare key, you can be sure that you don’t lose valuable time, money and energy retracing your steps and contacting a locksmith or your car dealership.

Get the proper insurance with roadside assistance

Using a roadside assistance service is another way you can get back on the road if you’ve lost your car keys. Many roadside assistance trucks have equipment to make replacement keys. This can be an option if you’re in a pinch.

Losing your car keys can be stressful, but knowing you’re prepared makes all the difference. Having the lifeline of roadside assistance, which can often be purchased along with your car insurance, can provide peace of mind while on the road. If you haven’t already, take a moment to review your policy to learn what’s covered and, if needed, explore adding roadside assistance. Being prepared today can save you hassle tomorrow.

Frequently asked questions

Can a locksmith make a car key without the original?

An experienced locksmith may be able to make you a car key without the original as long as it’s a traditional key. If your vehicle utilizes a fob, transponder or smart key, you may need to contact the dealership to get a new device created.

How much does it cost to replace a car key?

There is no standard price for a replacement car key, especially considering the many types of car keys available today. There are a number of factors that can influence the cost of replacing car keys, such as the level of technology in the key (e.g., smart keys and transponder keys), the materials used to manufacture the key and more. Here’s an idea of the general amount various car keys can cost to replace:

• Traditional keys: $25 to $100
• Transponder keys: $100 to $250
• Smart keys: $200 to $500+ [2]

Sources

[1] “Replacing a Lost Car Key or Fob,” carfax.com/maintenance/lost-car-key-fob-replacement (accessed June 2025).
[2] “How Much Does a New Car Key Cost?” autozone.com/diy/electrical/how-much-does-a-new-car-key-cost (accessed June 2025).