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Lost Key Fob for a 2022 Toyota Camry (US): What to Do Next & Replacement Options

Losing a 2022 Toyota Camry key fob is stressful, but you have a few safe, reliable paths to get back on the road. The best choice depends on whether you have a spare key, where the car is located, and how quickly you need a working fob.

Understanding Your Situation

Your Camry’s smart key fob is missing, which can prevent you from unlocking/starting the vehicle and may create a security risk if the fob was lost near the car or with identifying information.

🚀 Immediate Steps to Take

  1. Confirm it’s truly lost: retrace steps, check bags/pockets, and use any tracking app/tag (AirTag/Tile) if attached.
  2. Secure the vehicle: if you suspect the fob was stolen or lost near your home/work, park in a well-lit area/garage and remove valuables; consider using a steering wheel lock as a temporary deterrent.
  3. Find your backup plan: locate any spare key/fob and gather essentials (VIN, registration, photo ID). If you’re stranded, arrange towing or a mobile locksmith visit.

Your Options

Toyota dealer replacement (OEM smart key + programming)

Cost: $350-$750 Time: Same day to 1-3 days

The dealer supplies an OEM smart key fob and programs it to your Camry. They can also delete the lost fob from the vehicle’s memory when possible, reducing the risk of someone using it later.

âś“ Pros:
  • OEM parts and factory-level programming support
  • Best chance to remove/disable the missing fob from the system
  • May be smoother for push-to-start and remote features
âś— Cons:
  • Often the most expensive route
  • May require an appointment and/or towing if you have no working key
  • Dealer may need to order the correct fob by VIN

Licensed automotive locksmith (mobile) replacement + programming

Cost: $200-$550 Time: Same day

A reputable locksmith can cut an emergency key (if needed) and program a compatible smart key fob on-site. Quality varies by provider and by the type of key system in your specific Camry trim.

âś“ Pros:
  • Usually faster and less expensive than a dealer
  • Mobile service can help if the car is stranded
  • Can often provide a second spare at a discount while they’re there
âś— Cons:
  • Not all locksmiths can program all Toyota smart key systems
  • Aftermarket fobs vary in durability/range
  • Some situations still require dealer involvement

Replace now and add a spare (recommended if you’re down to zero keys)

Cost: $450-$950 (for two fobs total) Time: Same day to 1-3 days

Whether you choose dealer or locksmith, have two working keys/fobs programmed during the same visit. This reduces future risk and can lower the per-key programming cost.

âś“ Pros:
  • You’re not one mistake away from being stranded again
  • Often cheaper than replacing a second key later
  • Improves household/driver convenience
âś— Cons:
  • Higher upfront cost
  • May require ordering parts if stock is limited

Insurance/roadside assistance claim (if covered)

Cost: $0-$750 (varies by coverage and deductible) Time: Same day for service; reimbursement may take days to weeks

Some comprehensive auto policies, endorsements, credit card benefits, or roadside plans may reimburse part of key replacement and/or towing. You still schedule the dealer/locksmith, then submit receipts per your plan rules.

âś“ Pros:
  • Can significantly reduce out-of-pocket expense
  • May include towing if you have no working key
âś— Cons:
  • Coverage is not guaranteed; deductibles/limits apply
  • Claims paperwork and reimbursement delays are common

⚠️ What to Avoid

✕ Buying the cheapest online fob without verifying FCC ID/compatibility for your exact 2022 Camry trim—wrong fobs often can’t be programmed or have poor range.

âś• Using an unlicensed or poorly reviewed locksmith (risk of damage, incomplete programming, or security concerns).

✕ Waiting too long if you suspect theft—if the missing fob ends up near the car, it could be used to unlock it unless it’s properly removed/disabled.

⚠️ Common Mistakes to Avoid

  • Calling dealer first without getting quotes
  • Not checking insurance coverage
  • Rushing to tow to dealership
  • Not considering mobile locksmiths

Frequently Asked Questions

Can someone drive my 2022 Camry if they find my lost key fob?

If they have the fob and can access the car, they may be able to unlock and start it. Risk is higher if the fob was lost near where the car is parked or with documents showing the vehicle location. Replacing the fob and requesting deletion/disablement of the missing fob reduces this risk.

Do I need to tow the car to the dealer if I lost my only key fob?

Sometimes, yes—especially if no working key is available and programming requires the vehicle present at the dealer. A qualified mobile locksmith may be able to come to the vehicle and program a new fob on-site, which can avoid towing depending on your specific system and situation.

What information will I need to get a replacement key fob?

Typically: photo ID, proof of ownership (registration/title), and the VIN. Dealers almost always require these. Reputable locksmiths should also verify ownership before cutting/programming.

Is an aftermarket key fob okay for a 2022 Toyota Camry?

It can be, but reliability varies. OEM fobs generally offer the best fit, durability, and consistent performance. If you choose aftermarket, confirm exact compatibility (often by FCC ID) and use a reputable locksmith who will warranty the fob and programming.

⏱️ Urgency Note: If the fob may have been stolen or lost with identifying info (address, registration, gym tag), treat it as urgent: secure the vehicle, replace the key promptly, and ask the dealer/locksmith about removing the missing fob from the vehicle’s authorized list.

Related Information

Need Detailed Information?

Get vehicle-specific key fob compatibility, part numbers, and a complete price comparison for your 2022 Toyota Camry.

View Camry Key Fob Guide →

Last updated: 2026-01-04