Yes, State Farm does cover locked keys in a car under the company’s roadside assistance program. State Farm covers locked keys in a car, and lost or stolen keys, by dispatching a contracted roadside service provider, and the first hour is free of charge as long as you have type H coverage (emergency road service).
In addition to locksmith services, State Farm’s roadside assistance coverage will help pay for a tow truck, tire change, gas/oil refill, and other reasonable roadside needs. However, if your insurance plan does not include emergency road service coverage, State Farm won’t cover the retrieval of locked keys in a car. You’ll have to pay for this – and other roadside assistance – at a rate negotiated on your behalf by State Farm. For example, if you need fuel or you lock your keys in the car, but you don’t have emergency roadside service coverage, State Farm will work with local providers to get any service costs you incur below regular market rates. However, there’s no guarantee State Farm will secure a lower rate for you.If you do ultimately find that you’ve locked your keys in your car, you can call State Farm’s roadside assistance department toll free at 877-627-5757.
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