I recently bought a chipped key and key fob for my '07 Toyota and programmed them myself ($29). I had the local hardware store cut the key for $5, which made the total cost $34. The dealership wanted $50 to program both of them. So, worst case for me was $84 if I needed dealer to program.
Edit to add: Have you checked for your make and model on Amazon?
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I recently bought a chipped key and key fob for my '07 Toyota and programmed them myself ($29). I had the local hardware store cut the key for $5, which made the total cost $34. The dealership wanted $50 to program both of them. So, worst case for me was $84 if I needed dealer to program.
Edit to add: Have you checked for your make and model on Amazon?