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Does State Farm Insurance Cover Lost Car Keys

When it comes to our personal belongings, we tend to take them for granted. After all, they’re just things we use every day. But what happens if those things are stolen? For many of us, the answer is probably “State Farm doesn’t cover that.” But is that really the case? In this blog post, we will explore whether or not State Farm insurance covers lost car keys. ###

What is State Farm Insurance?

State Farm Insurance is a provider of insurance products and services in the United States. It was founded in 1906 as Farmers Mutual Auto Insurance Company, and later changed its name to State Farm Mutual Automobile Insurance Company. In 2016, State Farm ranked first among all U.S. insurance companies in terms of market share. The company operates through a network of more than 900 offices across the country.

Lost Car Keys Coverage

If you lose your car keys, you may be able to get coverage from your state insurance company. Many companies will cover a car key loss if the key is lost within the territorial limits of the company’s policy. If the key is lost outside of those limits, you may need to purchase extra insurance to cover the cost of a new key.

How much will State Farm charge me to cover a lost car key?

If you lose your car key, you’ll likely have to pay out-of-pocket for a replacement. State Farm has different rates for lost car keys depending on the age of your vehicle. For vehicles under 10 years old, State Farm will charge $50 for a new key and $25 for a replacement key. For vehicles over 10 years old, State Farm charges $100 for a new key and $50 for a replacement key.


If you have misplaced your car keys and are worried about whether or not State Farm Insurance will cover the cost of a new ignition key, fear not! The company does offer coverage for lost car keys, as long as you can prove that the keys were actually stolen. Just contact State Farm and provide them with your proof of theft (such as an official police report), and they should be able to work out a payment plan or give you a replacement ignition key free of charge.

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