Lost Key Fob high urgency

Lost All Keys for a 2024 Toyota Camry? Here’s How to Get Back on the Road Fast

Complete loss of all vehicle keys

🚀 Immediate Steps to Take

  1. Confirm whether the Camry is actually keyless (Smart Key) and whether it’s locked/unlocked; take note of the trim (LE/SE/XLE/XSE) and whether it has push-button start.
  2. Gather proof of ownership now: driver’s license + registration or title (and if financed, be prepared for additional verification). This is required by reputable providers.
  3. Call for quotes from (1) a Toyota dealer service department and (2) an automotive locksmith who explicitly supports 2024 Toyota Camry Smart Key “all keys lost” programming; ask about towing vs mobile service and same-day availability.

Your Options

Toyota dealer replacement Smart Key (tow-in or on-site if offered)

Cost: $500-$1,200 Time: Varies

A Toyota dealer can order the correct OEM Smart Key for your VIN and program it to the immobilizer system. This is the most straightforward, fully documented route, but it may require towing the vehicle to the dealer and waiting for parts or scheduling. If all keys are lost, the dealer process is typically reliable but not always the fastest.

✓ Pros:
  • OEM key/fob matched to your Camry’s system and warranty-friendly documentation
  • High success rate for “all keys lost” situations
  • Access to Toyota diagnostic tools and immobilizer procedures
✗ Cons:
  • May require towing the car to the dealership
  • Often higher total cost (parts + programming + towing)

Automotive locksmith with Toyota Smart Key “All Keys Lost” programming (mobile service)

Cost: $350-$900 Time: Varies

A qualified automotive locksmith can often come to the vehicle, unlock it if needed, and program a new Smart Key for a 2024 Camry on-site. The key requirement is that they must support late-model Toyota Smart Key systems and be able to handle an all-keys-lost immobilizer registration. Quality varies widely, so verification questions matter.

✓ Pros:
  • Usually faster than waiting for dealer scheduling/parts
  • Mobile service can eliminate towing
  • Can bundle lockout + key creation in one visit
✗ Cons:
  • Not all locksmiths can do 2024 Toyota Smart Key all-keys-lost work
  • Aftermarket fobs vary in quality; OEM may cost more or require ordering

Insurance or roadside assistance coordination (towing + reimbursement)

Cost: $0-$800 (after deductible/coverage limits) Time: Varies

If you have comprehensive coverage or a roadside plan, you may be able to get towing covered and sometimes partial reimbursement for key replacement (policy-dependent). This option doesn’t replace the key by itself, but it can reduce out-of-pocket costs and simplify logistics. Expect documentation requirements and possible claim limits or deductibles.

✓ Pros:
  • May cover towing and reduce total cost
  • One call can coordinate towing and secure transport
  • Useful if the car is stranded somewhere unsafe
✗ Cons:
  • Coverage varies; key replacement may not be fully covered
  • Claims/deductibles can make it less worthwhile for some owners

⚠️ What to Avoid

✕ Paying anyone who won’t verify ownership (no ID/registration check). That’s a red flag and can lead to scams or legal issues.

✕ Buying the cheapest online fob without confirming it matches a 2024 Camry’s system and frequency/type; many won’t program or will be unreliable, and some sellers won’t accept returns once attempted.

✕ Assuming a hardware-store key kiosk can solve it—an all-keys-lost 2024 Camry typically requires immobilizer/Smart Key registration, not just cutting a blade.

⚠️ 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 a 2024 Toyota Camry be started without the key fob if I lost everything?

In most cases, no. The 2024 Camry uses an immobilizer system that requires a programmed Smart Key/fob to authorize starting. Even if you can unlock the door, the car typically won’t start without a properly registered key.

Do I have to tow my Camry to the dealer if all keys are lost?

Not always. A dealer commonly requires the vehicle on-site for programming, which often means towing if you can’t drive it there. However, some automotive locksmiths can complete all-keys-lost Smart Key programming at the vehicle, potentially avoiding towing.

Will a used or eBay Toyota fob work for a 2024 Camry?

Sometimes, but it’s risky. Many used fobs are already locked to another vehicle or aren’t the correct type for your Camry’s system, and programming may fail. If you go this route, confirm exact compatibility and return terms before purchase, and verify your chosen programmer will attempt customer-supplied fobs.

Related Information

Need Detailed Information?

Get vehicle-specific key fob compatibility, part numbers, and a complete price comparison for your 2024 Toyota Camry.

View Camry Key Fob Guide →

Last updated: 2026-01-04