Lost Keys? Noble Quote Has You Covered (and More!)

If you’ve ever lost your car keys, you know the stress, cost, and chaos it can cause. Whether you’re stranded in a parking lot, locked out of your own driveway, or just dreading the $800 bill from the dealership, one thing’s for sure: car key replacement isn’t what it used to be.

The good news? Noble Quote’s Key Replacement Coverage is here to help you avoid all of that — and more.

From lost key protection to emergency car key replacement, roadside assistance, and even home lockout coverage, we’ve got your back. In this guide, we’ll break down everything you need to know about key replacement coverage, how it works, and why thousands of drivers are switching to Noble Quote.

Why Modern Car Keys Are So Expensive

Today’s car keys are more than just metal and plastic. They’re high-tech, security-enhanced devices with chips, transponders, and programming that make them incredibly expensive to replace. According to Consumer Reports, some smart keys can cost upwards of $800.

Here’s a breakdown of car key replacement costs:

When you lose a key, it’s not just the key itself — it's also the programming that adds cost. You might also need to tow your car to the dealership just to get a replacement.

That’s where auto key replacement coverage from Noble Quote comes in.

What Is Key Replacement Coverage?

Key replacement coverage is a service contract that protects you against the cost of losing, damaging, or destroying your vehicle keys or remote fobs. It also includes services like locksmith coverage, emergency roadside help, and in Noble Quote’s case, even home lockout coverage.

➕ Key Benefits of Noble Quote Key Replacement Coverage:

• Up to $800 per incident for car key/remote replacement
• One covered replacement per year
• 24/7 emergency roadside assistance included
• Home lockout assistance up to $100
• No deductible
• Works with any make or model
• Nationwide coverage across the U.S. and Canada
• Plans from 1 to 8 years, starting at just $159/year

How Much Does It Cost to Replace Car Keys Without Coverage?

Without key replacement insurance, you could be stuck with:

• A $500–$800 dealership invoice
• $100–$200 in locksmith service charges
• Towing costs if your car won’t start without a fob
• Days of delays if parts aren’t in stock

According to AAA, car key costs have more than doubled in the past decade. That’s why many drivers now opt for lost car key coverage as part of a vehicle protection plan.

What to Do If You Lose Your Car Keys

If you’ve lost your keys or fob, here’s what to do:

1. Retrace your steps – Check bags, pants, counters, and car seats.
2. Call Noble Quote’s 24/7 support line – We’ll verify coverage and walk you through next steps.
3. Arrange replacement – You can go to the dealer or an approved locksmith.
4. Submit your invoice for reimbursement – You’ll be covered up to $800 per year.

In emergencies, we offer reimbursement options even if our office is closed — just save your receipts and call us on the next business day.

Why Noble Quote Key Replacement Coverage Is Worth It

Wondering is key replacement coverage worth it? Let’s break it down:

Typical Dealer Costs (Without Coverage):

• Key replacement: $600
• Towing: $100
• Lost time: priceless

With Noble Quote:

• Total paid: as low as $159/year
• Covered key replacement: $0 out of pocket
• Extra value: roadside + home lockout + peace of mind

In short: One lost key and the plan pays for itself.

Key Replacement Coverage vs Car Insurance

Does car insurance cover lost keys? Usually, no. Most auto insurance policies don’t include car key replacement unless it’s part of a theft claim — and even then, you’ll pay a deductible and possibly deal with a rate increase.

Here’s how they compare:

For most drivers, key replacement insurance through a standalone provider like Noble Quote is the smarter (and safer) choice.

What Does Noble Quote’s Key Replacement Plan Include?

We keep it simple. Here’s what’s included:

✅ Key & Remote Replacement — Lost, stolen, or damaged keys covered up to $800/year
✅ Locksmith Services — Car or home lockouts covered
✅ Roadside Assistance — Towing, jumpstarts, tire changes, and more
✅ Nationwide Network — Available in all 50 states + Canada
✅ No Deductible — You pay nothing out of pocket
✅ Online Checkout — Buy 1–8 years of protection instantly

Available Anywhere in the U.S. and Canada

Whether you're on a cross-country road trip or parked in your own driveway, Noble Quote’s Key Replacement Coverage travels with you. Our protection works wherever you are — from busy city streets to remote rural roads.

You’re covered coast to coast with:

• 24/7 emergency roadside assistance
• Locksmith access across all 50 states and Canada
• Remote-friendly claims and support — no dealership visits required
• No-hassle reimbursement up to $800/year

Wherever life takes you, Noble Quote keeps you covered.

We Go Beyond Keys: Full Vehicle Protection

If you’re already looking at key replacement coverage, it might be time to explore vehicle service contracts too.

Noble Quote also offers:

• Powertrain coverage
• Bumper-to-bumper protection
• Extended warranty plans
• Maintenance reimbursement
• 24/7 support and roadside help

Learn more in our Learning Center.

Topics Drivers Are Searching For

Wondering about things like how to program a car key or what it costs to replace one at a dealership? You’re not alone.

At Noble Quote, we’re committed to helping drivers better understand the ins and outs of car ownership and protection. Some of the most common topics our community is searching for include:

• How to program a car key
• Car key replacement cost by dealer
• Emergency mobile car key replacement
• Home lockout protection with key coverage
• Locksmith coverage as part of vehicle protection plans

We’re actively building out helpful resources to answer these questions — and more. In the meantime, check out our Learning Center for tips, tools, and coverage insights to help you protect your car and your wallet.

Final Thoughts: Don’t Wait Until You Lose Your Keys

Losing your keys isn’t just frustrating — it’s expensive. But with Noble Quote’s Key Replacement Coverage, you can drive confidently knowing that you’re protected.

From $159/year, you get:

• Key & remote replacement up to $800
• Locksmith and lockout support
• 24/7 emergency help
• Easy online sign-up

Ready to protect your keys — and your peace of mind?

👉 Get Covered Today

And don’t forget to explore more auto protection tips in our Learning Center.