Your auto insurance policy may pay the costs of having a car key made. Check your policy or talk to your agent to learn if the cost of replacement car keys is covered. Also make sure that it is worth filing a claim with your insurer to replace the keys for your car. Some car keys are more expensive to replace than others. In this case, you want the help that your insurance policy offers. Otherwise, you may find that it is less of a hassle and much cheaper to fork over the small amount of cash for the keys yourself.