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

Last Updated on September 17, 2023

If you have State Farm car insurance and locked your keys in your car, you could be in luck: State Farm could unlock your car if you have roadside assistance.

State Farm provides 24-hour roadside assistance. This roadside assistance covers locksmith services, towing, vehicle jumpstarts, flat tire changes, and other emergencies.

Your service call is free if you subscribe to State Farm’s Coverage H (Emergency Road Service). If you don’t have that coverage, you’ll pay a fixed rate for that service, which may still be cheaper than calling a locksmith on your own.

Keep reading to discover how State Farm may help if you lock your keys in your car.

Key Takeaways:

1. State Farm offers 24-hour emergency roadside assistance, including locksmith services, to all members. You can access this service by contacting State Farm’s 24/7 roadside assistance hotline.
2. If you have State Farm’s Coverage H or Emergency Road Service, the locksmith service for unlocking your car is complimentary. State Farm pays the locksmith directly; you don’t have to pay anything, including a deductible.
3. If you don’t have State Farm’s Coverage H, you’ll have to pay for the locksmith service out of pocket. However, State Farm claims to negotiate competitive rates with locksmiths, so you may still pay a lower fee than calling a locksmith directly. It’s recommended to contact State Farm to inquire about the coverage you have and the cost of the locksmith service.

State Farm Provides 24-Hour Emergency Roadside Service to All Members

If you have car insurance with State Farm, you can access State Farm’s 24-hour emergency roadside assistance coverage – regardless of whether you subscribe to State Farm’s roadside assistance plan (State Farm’s Coverage H or Emergency Road Service).

Simply contact State Farm’s 24/7 roadside assistance hotline at 877-627-5757. Explain the situation, then request roadside assistance at your location.

If you have State Farm’s Coverage H / Emergency Road Service, this roadside assistance visit is complimentary, and you pay nothing. You’ll pay a fee if you don’t have Coverage H.

Here’s how pricing works:

You Have State Farm’s Coverage H / Emergency Road Service: Many State Farm customers pay a few extra dollars per month for roadside assistance. If you subscribe to State Farm’s Coverage H / Emergency Road Service, then State Farm will dispatch a locksmith to your location at no charge to you. State Farm pays the locksmith behind the scenes, then sends you an invoice. You should not need to pay anything – not even a deductible.

You Do Not Have State Farm’s Coverage H / Emergency Road Service: If you don’t subscribe to State Farm’s Coverage H / Emergency Road Service, then you’ll pay for services out of pocket. However, according to State Farm, you’ll generally pay a lower rate than what you would pay on the market if you called a locksmith yourself. State Farm claims you’ll pay “a competitive rate negotiated by State Farm” for locksmith services. Instead of paying $250 for a service call, you could pay $75 to $125.

If you’re unsure about coverage, then contact State Farm. State Farm can explain what coverage you have, then tell you how much you’ll pay for your locksmith service.

How to Check for State Farm Roadside Assistance Coverage

Before contacting State Farm, you may want to check if you have roadside assistance via State Farm’s Coverage H / Emergency Road Service.

Here’s how to check for coverage:

• Check the back of your insurance ID card and look for “Coverage H.”
• Or, contact your insurance agent or log into your State Farm account and check your coverage.

Even if you don’t have Coverage H, it may be best to contact roadside assistance through State Farm regardless. State Farm negotiates discount rates with roadside assistance providers, and you could pay less for your locksmith appointment than you would pay out of pocket.

What Does State Farm’s Roadside Assistance Cover?

State Farm’s roadside assistance plans may vary slightly between customers and states. However, plans generally cover the following:

Towing to the nearest repair facility if your car cannot be started or driven without causing damage

• Delivery of gas, oil, a battery, or tires
• One hour of locksmith services
• One hour of mechanical labor for battery replacement, electrical problems, transmission issues, fluid leaks, and other mechanical issues

Your State Farm roadside assistance plan should cover 3 to 5 complimentary emergency visits annually.

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

Depending on the coverage, you could pay anywhere from nothing to hundreds of dollars to unlock your vehicle.

As a State Farm policyholder, you could pay nothing with roadside assistance coverage, a discounted rate without roadside assistance coverage, or full price if you are not working with State Farm at all:

Pay Nothing with Roadside Assistance: If you have Coverage H with State Farm, you should pay nothing for a standard vehicle unlock. In most cases, the locksmith bills State Farm behind the scenes. State Farm doesn’t charge a deductible, and you don’t pay the locksmith anything. You could, however, pay extra for certain situations – like if you also needed tires, gas, batteries, or similar items delivered to your vehicle.

Pay a Discounted Rate with State Farm Even Without Roadside Assistance: Even if you don’t have State Farm’s Coverage H, it may be best to call State Farm and order roadside assistance through State Farm. State Farm negotiates a discount rate with locksmiths, and you could save money compared to paying for service out of pocket.

Pay Full Price by Contacting the Locksmith Directly: Finally, you could pay full price to unlock your vehicle if you call a local locksmith directly and avoid working with State Farm whatsoever. A locksmith will arrive at your location, and you either pay for the service at the time of service or receive a bill.

Final Word

Yes, State Farm will help you if you lock your keys in your car.

State Farm provides Coverage H, or Emergency Road Service, to many policyholders for a few extra dollars per month.

Even if you don’t have Coverage H with State Farm, you could pay a discounted rate by ordering roadside assistance through State Farm. State Farm negotiates discounts with locksmiths, which means you get a cheaper price than you would if calling a locksmith directly.

Contact State Farm today for help unlocking your vehicle.