WalletHub, Financial Company
Yes, car insurance covers a locksmith for policyholders who have roadside assistance through their car insurance company. Roadside assistance is an optional car insurance policy add-on that covers a locksmith along with things like towing, jump starts, tire changes, and gas deliveries.
Membership with a motor club such as AAA or Better World Club will also pay for a locksmith. However, drivers without a motor club subscription or roadside assistance on their car insurance policy will likely have to pay out of pocket for a locksmith, since it’s not covered by other types of insurance. And if you do have roadside assistance but need a service that is outside of your plan's limits, you will have to pay for it out of pocket. For instance, basic roadside assistance plans usually cover an hour of locksmith labor.
For more information, check out WalletHub’s guide to the best roadside assistance plans.
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