You are locked out of your car and trying to decide between a locksmith and your dealer. Both can help but the right answer depends on what kind of car and what kind of key you have.
Mechanical key (pre-2000 vehicles)
Locksmith every time. A mobile auto locksmith can cut a new key from your VIN within an hour. Cost $150 to $280. The dealer will charge significantly more for the same work and you have to wait days.
Transponder key (2000 to 2015)
Mostly locksmith. Mobile auto locksmiths can program new transponder keys for most makes - Toyota, Mazda, Hyundai, Holden are all well-supported. Cost $300 to $600. Dealer alternative is $500 to $1,200.
The exceptions: some European cars (older BMWs, Audis, Mercedes) and a few luxury Japanese models need dealer programming. Locksmith will tell you upfront if your specific car is one of these.
Smart proximity key (2015+)
Mixed. Some 2015 to 2020 vehicles can be done by specialist auto locksmiths with the right equipment. Newer ones often need the dealer. Always ask the locksmith specifically about your year, make, and model before they come out.
You still have one key, locked the other in the car
This is the easiest situation. Any auto locksmith opens the car (no key cutting or programming needed). Cost $150 to $220.
You have lost ALL keys
The harder situation. You need both opening AND programming services. For older cars, no problem - locksmith does both. For newer cars, you might need a tow to the dealer.
What to ask before booking
The locksmith should ask you the year, make, model, and what type of key you have. If they cannot answer with a definite quote based on this info, be careful. Vague pricing usually means surprises later.
Insurance
Some comprehensive car insurance policies cover locksmith call-outs as part of roadside assistance. Worth checking before you pay yourself.