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Dealer or locksmith for a car key?

On most cars the locksmith wins on price and saves you a trip: Kelley Blue Book pegs the savings at 10% to 25% compared with a dealer. The exceptions are certain newer and luxury models that only the dealer can key.

By John Voll · Last checked October 28, 2026

Single company per request, named on the call, priced up front. Search that name with the Secretary of State · Who pays us

A gray and black car key fob on a ring, lying on a dark teal surface
The blade takes a minute to cut. The chip inside has to be introduced to the car, which takes a programmer. Photo: Bence Balla-Schottner / Unsplash

How the two compare

Mobile locksmithDealership
CostCommonly 10% to 25% under the dealer (KBB)Factory part at list, plus programming time
WhereYour driveway, your office lot, the trailheadTheir service bay; with zero keys, you're paying a tow first
Which carsMost makes and yearsEverything they sell, including the locked-down models

The tow matters in metro Denver. If every key is gone and the car is in Arvada while the nearest dealer for that brand is out on the far side of the metro, the tow can add a real chunk to the dealer route.

What you need doneSurvey saysWho published it
New car key$70 to $250Fixr (Jan. 2025)
Chip (transponder) key$125 to $250
Includes the part and programming
Kelley Blue Book (Jul. 2025)
Flip key$150 to $300Kelley Blue Book (Jul. 2025)
Push-button start key$200 to $400Kelley Blue Book (Jul. 2025)

Cars that still need the dealer

Certain late-model vehicles, some luxury makes, and keys that have to be authorized through the manufacturer's online system can only be made at a dealership. Tell the locksmith the year, make and model when you call; they'll know whether your car is one of them.

What Denver callers ask about this

Will a locksmith key void my warranty?

A key that's programmed correctly doesn't affect the car's warranty. If you want certainty, ask your dealer's service desk before the work.

Where these facts come from

  1. Key Fob Replacement, Kelley Blue Book (July 14, 2025)
  2. Locksmith Prices, Fixr (updated January 31, 2025)
  3. What To Do When You Lose Your Car Keys, AAA