Will State Farm Help Me If I Lock My Keys In My Car?

Last Updated on February 5, 2026

If you have State Farm car insurance and lock your keys in your car, State Farm can usually help by dispatching roadside lockout service (typically a locksmith) through its emergency roadside network.

Whether it’s covered depends on your policy. If you carry Emergency Road Service (often shown as Coverage H on your ID card), State Farm typically helps pay for lockout service (generally up to one hour of locksmith labor). If you don’t have Coverage H, you can still request help through State Farm, but you’ll usually pay the service provider at a rate State Farm negotiates.

Quick tip: If you’re locked out in an unsafe spot (busy highway shoulder, bad weather, or you feel threatened), prioritize safety first—move to a safe place and call 911 if needed.

State Farm Can Dispatch Lockout Help: If you lock your keys in the car, State Farm roadside assistance can typically send a locksmith or provider to unlock the vehicle.
Coverage H Is The Difference Maker: With Emergency Road Service (Coverage H), the provider often bills State Farm directly for covered services (locksmith labor is commonly time-limited).
No Coverage H Still Doesn’t Mean “No Help”: You can usually request service through State Farm and pay the negotiated provider rate, which may be lower than calling a locksmith on your own.
Expect Limits And Exclusions: Roadside assistance is for quick fixes—replacement keys, parts, and extended labor/towing can still be out-of-pocket.

Table Of Contents

Does State Farm Help If You Lock Your Keys in Your Car?
How to Request Lockout Help Through State Farm
How to Check Whether You Have Coverage H
What State Farm Roadside Assistance Typically Covers
What Roadside Assistance Usually Doesn’t Cover
How Much Will It Cost for State Farm to Unlock My Car?
Final Word
FAQs on State Farm Key Lockout Help

Does State Farm Help If You Lock Your Keys in Your Car?

Yes—State Farm’s emergency roadside service can send lockout help. This falls under roadside assistance (also called Emergency Road Service), which may cover locksmith labor to unlock a covered vehicle when the key is lost, stolen, or locked inside.

Situation	What State Farm Can Do	What You Usually Pay
You Have Coverage H (Emergency Road Service)	Dispatches a provider for lockout help; provider often bills State Farm directly for basic services.	Often $0 upfront for the unlock labor (you may still pay for replacement items or non-covered extras).
You Don’t Have Coverage H	Still dispatches a provider if you request service through State Farm.	You pay for the service, typically at a rate negotiated by State Farm.
You Don’t Use State Farm Roadside	You arrange a locksmith yourself.	You pay the market rate directly to the locksmith.

How to Request Lockout Help Through State Farm

You can request roadside assistance online or by phone. One option is to order service through State Farm’s roadside page here: Get Roadside Assistance.

When you request help, have these details ready to speed things up:

Your exact location (address, cross streets, or GPS pin)
Vehicle details (year/make/model and license plate if available)
Whether a child or pet is inside the vehicle (urgent situations may require emergency services)
A callback number and any access instructions (gates, parking garages, etc.)

How to Check Whether You Have Coverage H

Before you call, it helps to confirm whether you already carry roadside assistance on your policy. If you’re not sure, this guide explains the basics of emergency roadside assistance coverage.

Check your insurance ID card: State Farm notes the back of the card may show “Coverage H” if you have Emergency Road Service.
Log in to your account: Review your coverages and endorsements.
Ask your agent or State Farm support: Use the contact options here: State Farm Customer Service Contact Number.

What State Farm Roadside Assistance Typically Covers

Coverage details vary by state and policy, but Emergency Road Service generally helps with common breakdown scenarios—like towing, vehicle jumpstarts, and flat tire changes.

Service	What’s Typically Included	Common Out-of-Pocket Costs
Lockout / Locksmith	Labor to unlock a covered vehicle (often time-limited, such as up to one hour).	Replacement keys/fobs and any time beyond the covered limit.
Towing	Tow to the nearest repair facility when the vehicle isn’t drivable.	Extra distance if you choose a farther destination.
Fuel Delivery	Delivery service may be covered (not the fuel itself). See: Will Auto Insurance Deliver Gas?	The cost of gas (and other replacement items).
Minor Mechanical Labor	Basic labor at the breakdown site may be included up to a time limit.	Parts, major repairs, and labor beyond the limit.

What Roadside Assistance Usually Doesn’t Cover

Roadside assistance is meant for quick, on-the-spot help—not major repairs. You may still pay out of pocket for:

Key replacement: Emergency Road Service may help pay for unlocking labor, but replacing a lost key or programming a key fob is often separate.
Parts and replacement items: Delivered items (gas, batteries, tires) typically aren’t free—just the delivery service may be covered.
Extended labor or long-distance towing: Many policies limit roadside labor time and towing destination.
Mechanical breakdown coverage: Roadside assistance is not the same as mechanical breakdown insurance, which (when available) is designed for certain repair costs under specific terms.

Quick tip: If you lock your keys in the car more than once a year, consider keeping a spare key accessible (not in the vehicle) or using a manufacturer app/roadside program for backup.

How Much Will It Cost for State Farm to Unlock My Car?

The cost depends on whether you carry Emergency Road Service (Coverage H) and what the provider has to do. With Coverage H, you often won’t pay upfront for the covered locksmith labor. Without Coverage H, you’ll generally pay for the service—but requesting help through State Farm may still be cheaper than calling a locksmith directly because State Farm negotiates rates with providers.

If you’re comparing add-ons, this guide can help you decide whether State Farm’s roadside assistance coverage is worth it for your driving habits and budget.

Final Word

Yes, State Farm can help if you lock your keys in your car—especially if your policy includes Emergency Road Service (Coverage H). If you don’t have Coverage H, you can still request assistance through State Farm and pay the negotiated provider rate.

Coverage details and limits vary by state and policy form, so always rely on your declarations page and policy language for the final word on what’s covered.

FAQs on State Farm Key Lockout Help

Will State Farm send a locksmith if I lock my keys in my car?

In many cases, yes. State Farm roadside assistance can dispatch a provider for lockout help. Whether the cost is covered depends on whether your policy includes Emergency Road Service (often shown as Coverage H).

Do I need Coverage H for lockout service to be covered?

Usually, yes. Coverage H (Emergency Road Service) is the add-on that typically pays for covered roadside services like lockout labor. Without Coverage H, you can often still request help through State Farm, but you’ll generally pay for the service.

How do I request roadside assistance from State Farm?

You can request help online through State Farm’s roadside assistance page or by phone. Be ready to share your location, vehicle details, and a callback number so the provider can find you quickly.

Is there a limit on locksmith services?

Often, yes. Many Emergency Road Service benefits are time-limited (for example, covering locksmith labor up to a set amount of time). Check your declarations page and policy language for the exact limit in your state.

Does roadside assistance cover replacing a lost key or key fob?

Roadside assistance commonly helps with the labor to unlock your vehicle, but replacement keys or key fob programming is often not included and can be expensive. Confirm what your policy covers before assuming replacements are paid.

Will using roadside assistance affect my rates?

Roadside assistance is often handled as a type of claim/service request. Whether it impacts your premium or renewal depends on your state, insurer rules, and usage history. If you’re concerned, ask your agent how roadside events are treated on your policy.

Can I use Emergency Road Service for any vehicle?

Typically, Emergency Road Service applies to covered vehicles listed on your policy (and sometimes certain temporary substitutes, depending on the policy form). Always confirm eligibility before assuming a non-owned or borrowed vehicle is covered.