Lost my only car key. Locksmith cost?

Hey, just a wiped out college student that got tired after midterms and doesn't know where his keys went.
I checked my dorm and can't find anything. It was my ONLY key to my 2006 Honda Accord. The good news is that I've saved money for emergencies like this. I have around $400. The bad news is that my car is locked, and I Really don't want to tow it. I lost my keys before and a locksmith came and 'cut' a new key to fit precisely. Locksmiths, is $400 a decent price to have a locksmith come to your house, open your locked car, and make a new key?

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