Does Car Insurance Cover Locking Your Keys In Your Car? 
There could be coverage for locking keys in your car if you carry roadside assistance or towing on your auto policy . Otherwise locking keys in the car is not a peril of an auto policy . Check with your local agent to see if you carry roadside coverage on your auto policy . Also if you do not have the coverage a good local agent may find you a reputable company who can come out and unlock your car at a reasonable rate . 