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Dealer vs locksmith

Dealer vs Locksmith for Car Key Replacement: An Honest Look

Where a mobile locksmith wins, where the dealer wins, and how to decide in a couple of minutes, from a locksmith who sends some jobs to the dealer on purpose.

BSIS LCO#6792NASTF VSP certifiedMobile, we come to you
Quick answer

For most cars, a licensed mobile automotive locksmith can make and program the same types of keys a dealer does, right at the car. On average our customers save 40 to 60 percent compared to dealer pricing. The dealer is the better call for warranty-covered repairs, a model whose keys have not reached locksmiths yet, and, with us, new Mercedes-Benz keys.

Key takeaways
  • For most cars, a licensed mobile locksmith makes and programs the same key types as the dealer, at the car, usually in one visit.
  • Our flat-rate quote covers the blank, cutting, programming and trip, so compare it with the dealer's out-the-door total, not the part price alone.
  • A mobile locksmith comes to the car, so losing every key does not mean paying for a tow.
  • The dealer is the better call for very new or rare models whose keys are not available outside the dealer yet, and for repairs covered under warranty.
  • We refer new Mercedes-Benz keys and all-keys-lost to the dealer, and still handle Mercedes lockouts and broken key extraction.
Jeep Wrangler key replacement in Santa Barbara, CA

Jeep Wrangler key replacement in Santa Barbara, CA. Filmed on a real job by EZ Car Keyz.

Dealer or locksmith: which should you call?

For most key jobs, call a licensed mobile locksmith first: it is usually cheaper, faster, and the car does not have to move. Call the dealer for warranty-covered repairs, a model so new or rare that its keys have not reached locksmiths yet, and, if you drive one, a new Mercedes-Benz key.

Who to call, by situation
Your situationBetter first callWhy
Spare key for a common carLocksmithSame key types, usually a lower price, made where the car is parked
All keys lost, car at work or in a lotLocksmithNo tow; the key is cut and programmed at the car
Key fob stopped workingLocksmithBattery, repair or a new fob programmed on site
Model just released, or a rare modelDealer, after a quick call to usKeys and programming support can reach independents later
Key or immobilizer fault under warrantyDealerA covered repair may cost you nothing there
Mercedes-Benz new key or all keys lostDealerOur policy is to refer these to the dealer
Mercedes-Benz lockout or broken keyLocksmithWe handle these for Mercedes owners
Car already at the dealer for serviceEitherAdding a key there can be convenient; compare the total first

How does the price compare?

On average our customers save 40 to 60 percent compared to dealer pricing. Our flat-rate quote covers the blank, the cutting, the programming and the trip.

Dealer key pricing is often split into the part and the labor, with cutting and programming as separate lines, so ask for the out-the-door total. If the car cannot be driven, add the tow, because the dealer generally needs the car in its service department.

Our flat-rate car key replacement prices, cut and programmed at your car
OptionVentura CountySan Diego CountyTime on-site
Standard Metal Key Replacement$50-$100$60-$11015-20 minutes
Transponder Key Replacement$150-$250$150-$27530-45 minutes
Flip Key / Switchblade Key Replacement$150-$275$160-$300Under 45 minutes
Laser-Cut / Sidewinder Key Replacement$175-$300$200-$325About 30 minutes
Smart Key / Proximity Fob Replacement$250-$450$275-$475Under 1 hour

Flat-rate ranges from our current price list. The exact quote depends on year, make and model, and the price we quote is the price you pay. Full details: Car Key Replacement in Ventura County or in San Diego County.

There is no service-call fee, no diagnostic fee, no trip fee, and no after-hours or holiday upcharge. The price we quote on the phone is the price you pay. We are not going to print a dealer's price here, because it varies by dealer and by model. Get your dealer's total, then compare it with our car key replacement quote.

Which is faster, and do you need a tow?

A mobile locksmith is usually faster, mostly because the car does not go anywhere. Same-day service is our default, typical arrival is under 30 minutes in our primary service areas, and most jobs finish in a single visit.

At a dealer, the car generally has to be at the service department. If every key is lost, that means a tow before anything else happens. Some keys may need to be ordered for the car rather than pulled from stock, and service departments usually work by appointment within their own hours.

We work 6:00 AM to 11:30 PM, 7 days a week, across Ventura County, Santa Barbara County, San Diego County and Malibu, from Santa Barbara to Chula Vista. Time on site depends on the key, and the pricing table above lists it for each type.

Is a locksmith key as good as a dealer key?

It can be the very same key. The programming usually goes through the same port on the car, and the key itself can be a quality aftermarket part or an OEM one, including a fob you buy at the dealer's parts counter and have us program.

OEM means the part comes from the vehicle manufacturer, the same part a dealer installs. Aftermarket keys are made by other companies: good ones work like the original, cheap ones vary. If you bring your own fob, we check that its FCC ID and frequency match the vehicle before we start, and tell you before any charge if it will not work.

Security data is not a dealer-only privilege either. As a NASTF Vehicle Security Professional, we have registry access to the key codes and immobilizer PINs that manufacturers release to vetted professionals. We program with the Autel IM508 and AutoProPad and cut on Xhorse Condor and Dolphin machines.

Programming a fob you already have, including one bought at the dealer
OptionVentura CountySan Diego CountyTime on-site
OEM Fob Programming$125-$200$150-$22515-30 min
Aftermarket Fob Programming$100-$175$125-$20015-30 min
Dealer-Purchased Fob Activation$125-$175$150-$20015-25 min

Flat-rate ranges from our current price list. The exact quote depends on year, make and model, and the price we quote is the price you pay. Full details: Key Fob Programming in Ventura County or in San Diego County.

What do dealers do better?

The dealer is the better call in four situations: a model so new or rare that its keys have not reached locksmiths, a covered warranty or recall repair, a new Mercedes-Benz key, and a car already in the service bay.

Very new or rare models

When a model is brand new, OEM keys and programming support often reach the dealer first, and aftermarket blanks and independent tools catch up later. Rare and low-volume models can be the same. If you are not sure where your car stands, ask us first, and we will tell you if it belongs at the dealer.

Warranty and recall work

If the car is under warranty and the problem is a failed key, immobilizer or ignition part, the repair may be covered at the dealer, and the same goes for an open recall. A lost key is usually not covered. Check your warranty before you pay anyone, including us.

Mercedes-Benz

We refer new Mercedes-Benz keys and all-keys-lost to the dealer. That is our policy, and we hold to it. We still handle Mercedes lockouts and broken key extraction. See our Mercedes-Benz pages for Ventura County and San Diego, or the Mercedes-Benz key guide.

A car already in the service bay

If the car is at the dealer for other work anyway, adding a key there can be convenient. Ask for the total and compare before you say yes.

Is a locksmith as accountable as a dealer?

A good one is, and you can check before anyone shows up. A dealer has a franchise name behind it; a locksmith should have a state license, insurance and a public track record you can verify.

Here is ours. California BSIS license LCO#6792, which means background checked, fingerprinted and bonded. NASTF Vehicle Security Professional. Google Guaranteed, insured through Hiscox for general liability and vehicle damage, a CarMax authorized contractor, and BBB A+ rated in Ventura County.

Marco Levy started in automotive locksmithing in 2009 and founded EZ Car Keyz in 2017. We have made over 5,000 keys and have over 1,400 five-star Google reviews in Ventura County and over 200 in San Diego. At a minimum, any locksmith you hire should be able to show you a license number and proof of insurance.

Questions to ask before you pay anyone

Whoever you call, a few questions protect you from surprises. A legitimate dealer or locksmith answers all of them up front.

  • What is the total, including the key, cutting, programming and any trip or tow?
  • Is the key OEM or aftermarket?
  • Will my existing keys still work afterward, and should I have them with me?
  • How long will it take, and does the car need to be dropped off?
  • For a locksmith: what is your BSIS license number? A California locksmith business must hold one, and you can look it up at bsis.ca.gov. Ours is LCO#6792.
  • What proof of ownership do you need? Expect photo ID with the registration or title either way.

Be wary of a phone quote that sounds too low and grows on arrival, or a locksmith who will not show a license. Our locksmith scam guide covers the rest of the warning signs.

Frequently asked questions

Is it cheaper to get a car key from a locksmith or the dealer?
For most cars, the locksmith. On average our customers save 40 to 60 percent compared to dealer pricing, and our quote already includes the blank, cutting, programming and trip. The dealer can come out ahead when a repair is covered under warranty. The fair way to decide is to get the dealer's out-the-door total and compare it with our flat rate.
Do I have to tow my car to the dealer if I lost all my keys?
For the dealer, generally yes, because they work on the car in their service department. With a mobile locksmith, no. We come to the car, verify ownership, cut a new key and program it on site. The one exception with us is Mercedes-Benz, which we refer to the dealer. On an all-keys-lost job, skipping the tow and the wait is a big part of the difference.
Can I buy a key fob from the dealer and have a locksmith program it?
Yes, for most makes. We activate dealer-purchased fobs, which is a good option if you want an OEM part without waiting for a service appointment. Buy the fob for your exact vehicle and tell us what you bought when you call. We check that it matches the car before we start, and if it will not work, we tell you before any charge. Mercedes-Benz fobs are the exception; we refer those to the dealer.
Do locksmiths and dealers ask for the same paperwork?
They should. A licensed California locksmith has to verify ownership before making a car key, and we do it on every job: photo ID matching the registration, the title with matching ID, or notarized authorization from the registered owner. Dealers verify ownership too. If anyone offers to skip that step, treat it as a warning sign.
Why would a locksmith send me to the dealer?
Because some jobs belong there. We send new Mercedes-Benz keys and all-keys-lost to the dealer as a matter of policy, and we will tell you when a covered warranty repair, or a model whose keys have not reached locksmiths yet, is better handled by the dealer. A locksmith who claims to do everything on every car deserves a follow-up question.
How long does a locksmith take compared to the dealer?
Our typical arrival is under 30 minutes in our primary service areas, and most keys are cut and programmed in under an hour on site, in a single visit. Dealer timing depends on the appointment book, whether the key is in stock, and whether the car needs a tow first. Our guide on how long car key replacement takes breaks it down by key type.

Get our flat rate, then compare.

Send us the year, make and model. We quote a flat rate by phone or text before we dispatch, and that is the price you pay.

6AM - 11:30PM, 7 days a week. Flat-rate quotes, no service-call fee, no after-hours upcharge.