Who charges it
- Imposed by
- the dealer, as an optional product
- Legal status
- Optional — never required to buy the car or get the loan
- Negotiable?
- Yes — typically removable from the order
- Attention level
- low
Dealer add-ons
Key Replacement Package
Coverage for lost or damaged keys and fobs, sometimes with lockout and towing.
Negotiable: Yes — typically removable from the order
Benchmark range
$150–$350
typical $250
Multi-year plans; a single smart-key replacement commonly costs a few hundred dollars
- Carlarity operator benchmark (starting hypotheses from the 2026-09-07 brief, cross-checked against dealer F&I menus) — F&I ancillary product starting ranges (secondary source, accessed 2026-09-07)
The report pre-fills $399 for this line as a catalog starting point you can overwrite; it is not a market benchmark.
Why it matters
Smart keys are expensive to replace and program, so a plan can pay for itself with a single loss. Check the per-key limit, how many keys are covered, and whether programming and locksmith costs are included.
What to ask at the desk
“Please show the number of keys covered, the per-key limit, whether programming is included, and the plan term.”
What Carlarity evaluates
- Classifies the line as key replacement plan from its name and aliases, and priced against a market range.
- Compares the quoted amount with the benchmark range above and states any potential excess as a range, never a point estimate.
- Flags the line for contract review: the coverage terms, exclusions and cancellation rights decide its value.
- Keeps government, manufacturer and lender charges out of the negotiable total by construction.
Reading this page
Legal and expensive are two different questions. An optional product can be entirely legitimate and still cost more on the buyer’s order than the same coverage elsewhere; a low-value item can be fairly priced. This page tells you what the product is, who is charging for it and what a fair range looks like. Your report judges your actual quote against that range, as part of the whole deal.
Benchmarks are market ranges from the sources cited, not exact prices, verified 2026-09-07. Nothing on this page is legal or financial advice. The product’s contract terms decide its value on your deal.