The exception is if you have comprehensive coverage, which covers a stolen car, including your keys. Other types of insurance, such as homeowners or renters. Car insurance with roadside assistance coverage can make things easier if your keys are lost or stolen, but the cost of replacing them usually falls on you. Other types of insurance, such as homeowners or renters insurance with coverage for personal property, can also cover car keys in the event of theft.
Even so, you must weigh the costs and benefits to decide if it's worth filing a claim for the theft of the keys. Liability-only car insurance is an affordable option for low-income drivers who need car insurance but are limited by their budget. Gap insurance generally covers the difference between the value of your car and the balance of your loan if your vehicle is full. How much car insurance you need and how much car insurance is required are two very different questions.
Drivers who can afford the cost of replacing their car out of pocket may not want to spend the extra money on car insurance with full coverage. If the locksmith can't create a duplicate key, roadside assistance coverage can pay for towing the car to a dealer or other qualified service workshop to manufacture a new key, but you'll still have to pay for the replacement key. This prevents you from having to pay a loan to buy a car you can't drive, and lenders often require it if you apply for a loan to buy a car. If your vehicle is stolen with the key inside, comprehensive insurance may cover the cost of replacing the key (if the car is found but the key is not), minus any car insurance deductibles.
You may be able to get a replacement part (including the remote control) and have it programmed by a locksmith or auto repair shop. The process of re-entering the key normally requires the vehicle to be present, so you may have to tow the car to the dealer for a new electronic key.