Key Fob Stolen high urgency

Key Fob Stolen: What to Do Now (2024 Chevy Malibu)

A stolen key fob is more urgent than a lost one because someone may have the ability to unlock and start your 2024 Chevrolet Malibu. The goal is to protect the vehicle immediately, then remove the stolen fob from the car’s system and get working replacements.

Understanding Your Situation

In this situation, your Malibu’s key fob is in someone else’s possession. If they can identify your car (or have access to it), they may be able to enter and potentially start the vehicle, depending on proximity and whether the car is secured.

🚀 Immediate Steps to Take

  1. Confirm the vehicle is secure: move it to a locked garage or well-lit area, lock it, and remove valuables. If you suspect the thief knows where the car is parked, relocate it if you can do so safely.
  2. Report the theft: file a police report (helpful for insurance) and document the key fob details (number of fobs missing, any distinguishing marks, where/when stolen).
  3. Contact a Chevrolet dealer or qualified automotive locksmith ASAP to erase/disable the stolen fob from the vehicle and program replacement fob(s). Ask what proof of ownership and ID they require.

Your Options

Chevrolet dealer: disable missing fob + program new OEM fob(s)

Cost: $250-$600+ (varies by labor rates and number of fobs) Time: Same day to 1-3 days (depends on parts availability and appointment)

The dealer verifies ownership, removes the stolen fob from the Malibu’s key list (when supported), and programs new OEM key fobs to the vehicle. They can also advise on any related security steps for your specific trim and equipment.

âś“ Pros:
  • OEM parts and factory-level programming
  • Best fit for newer-model security systems and warranty considerations
âś— Cons:
  • Often higher cost than a locksmith
  • May require towing if you have no working key/fob available

Mobile automotive locksmith: erase/disable stolen fob + program replacement fob(s)

Cost: $180-$450 (may be more for after-hours/emergency service) Time: Same day (commonly within a few hours, depending on availability)

A qualified locksmith comes to the vehicle, verifies ownership, and programs compatible replacement fobs. Many can also remove lost/stolen fobs from the vehicle’s memory (capability varies by tool access and vehicle configuration).

âś“ Pros:
  • Convenient on-site service (often no tow needed)
  • Potentially lower cost and faster response than a dealer
âś— Cons:
  • Not all locksmiths can perform all security functions on late-model vehicles
  • Quality varies—choose a licensed/insured provider with modern programming tools

Insurance claim (if covered) + professional reprogramming

Cost: $0-$600+ out-of-pocket (depends on deductible/coverage) Time: 1-7 days (claims processing varies)

If your policy includes comprehensive coverage or key replacement coverage, insurance may reimburse some costs after a police report. You still typically need a dealer or locksmith to disable the stolen fob and program replacements.

âś“ Pros:
  • Can reduce financial impact
  • Creates documentation of the theft
âś— Cons:
  • Deductible may exceed the cost of replacement
  • Claim may affect future premiums depending on insurer/policy

⚠️ What to Avoid

âś• Waiting to reprogram: replacing a fob without disabling the stolen one may leave the stolen fob able to access the vehicle.

✕ Using unknown online key sellers without verifying compatibility/return policy—incorrect fobs can’t always be programmed and may be non-refundable.

âś• Leaving the car parked in the same predictable location after the theft, especially if your address is on documents taken with the fob.

⚠️ Common Mistakes to Avoid

  • Not deactivating stolen key
  • Delaying reprogramming
  • Not filing police report
  • Ignoring security risk

Frequently Asked Questions

Can a thief start my 2024 Chevy Malibu with the stolen key fob?

Potentially, yes—if they can get close to the vehicle and the fob is still authorized. The safest approach is to have the stolen fob removed/disabled in the vehicle’s system and program new fobs as soon as possible.

Do I need to replace the whole car’s locks if my key fob is stolen?

Usually not for a key fob theft alone. The priority is disabling the stolen fob and programming new ones. If a physical key blade or personal documents with your address were also stolen, ask a dealer/locksmith about additional precautions.

Will the car still work if I only have one replacement fob?

Yes, one working fob is typically enough to operate the vehicle. However, having a second programmed spare reduces risk and cost if you lose the remaining fob later.

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

Expect to provide a photo ID, proof of ownership/registration, and the vehicle’s VIN. Some providers may require the vehicle to be present for programming.

⏱️ Urgency Note: Treat a stolen key fob as urgent. The longer the stolen fob remains authorized, the higher the risk of unauthorized entry or theft—especially if the thief knows where the vehicle is parked.

Related Information

Need Detailed Information?

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

View Malibu Key Fob Guide →

Last updated: 2026-01-04