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BMW Spare Key Cost There are several options available to you when you've lost your keys. You can buy replacement keys from a locksmith, or from your dealer. Consider your insurance coverage. First, you'll need to find your VIN number. It's on your windshield or in your registration. Cost of a key replacement Owning a BMW is often seen as a status symbol, and it can certainly make people feel like they've arrived. The luxury car isn't immune from the problems that are part of everyday use. Losing the BMW key fob could be a major financial loss,