Choose Your Coverage
Simple Plans. Serious Peace of Mind.
Select the protection length that fits your needs:
What's Included in Your Coverage
Comprehensive protection for modern car keys -
Including replacement, lockout assistance, and emergency roadside service.
One plan, full peace of mind.
Key & Remote Replacement - Covers lost, stolen, or destroyed keys and remotes up to $800 per incident
Home Lockout Assistance - Up to $100 per occurrence
Emergency Roadside Help - 24/7 towing, jumpstarts, tire changes, fluid delivery, and more
One Replacement Per Year - No deductible, no hassle
Nationwide Coverage - U.S. and Canada
Note: Prior authorization is required for all claims. Coverage applies only to the original key issued at vehicle delivery.
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Why It Matters
Losing your car key isn't just annoying - It can cost you hundreds and throw off your entire day. With modern keys and smart fobs, even simple mistakes can come with serious price tags.
Modern car keys can cost $300-$800+ to replace. Most drivers don't realize that a lost or damaged key can leave them stranded - or stuck with a huge bill.
Key replacement coverage helps you avoid:
Replacement Costs
Service Fees
Downtime
Surprises
How It Works
Fast, simple, and stress-free. Here's how to get back on the road without missing a beat.
Key Replacement Coverage: What Drivers Like You Need to Know
What is key replacement coverage and how does it work?
Key replacement coverage is a protection plan that reimburses you for lost, stolen, or damaged car keys and remotes. It typically includes locksmith service, key fob replacement, and even home lockout help. With NobleQuote, you're covered up to $800 per incident with zero deductible.
How much does it cost to replace a car key or remote?
Replacing a modern car key or fob can cost between $300 and $800 depending on the make and model. Smart keys, push-to-start fobs, and laser-cut keys are often the most expensive to replace.
Does this coverage include smart keys, push-to-start, and remotes?
Yes, NobleQuote's Key Replacement Coverage includes standard keys, smart keys, remotes, and push-to-start fobs. You're protected for the full value of your key system — up to $800 per incident.
How many times can I use my key replacement coverage?
You can get one key replacement per year during your coverage term. Emergency roadside assistance and home lockout help are available year-round.
What should I do if I lose my keys on a weekend or after hours?
If your key is lost outside of business hours, you can still proceed with the replacement and submit a claim for reimbursement the next business day. Just follow the instructions provided in your contract.
Does key replacement coverage include lockout service?
Yes. If you're locked out of your car or home, NobleQuote provides locksmith assistance — up to $100 per home lockout occurrence.
Is there a deductible for key replacement claims?
No. NobleQuote's key replacement protection includes no deductible. You're reimbursed for covered services up to your annual benefit limit.
Can I cancel the key replacement plan if I change my mind?
Yes. You can cancel within 30 days for a full refund if no claim has been made. After that, you're eligible for a prorated refund based on time remaining, minus any paid claims and a small cancellation fee.
How do I file a key replacement claim?
Just call our 24/7 claims line at (855) 248-5700 before getting your key replaced. You'll need prior authorization for reimbursement.
Can I transfer my key replacement coverage to a new vehicle owner?
Yes — one-time transfers are allowed if you sell your vehicle privately (not to a dealership). A small transfer fee and documentation are required.