Ask an Agent
Have a question? We're here to help.
Ask an agent for free
Question

Will GEICO increase my rates if I file a windshield claim?

Not further question.

Aug 4, 2018 Charlotte, NC

Answer
Author profile picture

Ava Lynch

Insurance Analyst

Ava joined The Zebra as a writer and licensed insurance agent in 2016. She now works as a senior insurance contributor, providing insights and data a…

Credentials
  • 7+ years of Experience in the Insurance Industry

This is a tricky question to answer. How a claim will impact your rate is specific to the coverage and company you have. In general, a windshield claim will affect your rate but not as much as a collision claim will. Companies consider the amount paid out on the claim when determining rate increases. You will want to contact GEICO directly to see what your specific policy will cover and how this will affect your rates moving forward.

Some companies offer free windshield repairs under your comprehensive coverage which means your deductible would not apply. Even if the incident does not affect your rate with GEICO, it could affect your rate if you switch to a different company. Again how claims affect your rate will vary by company. A good rule to follow is: if your insurance company has to pay it will affect your rate in the future. 

Ask an Agent
Have a question? We're here to help.
Ask an agent for free

Insurance is complicated, but it doesn't have to be.

The Zebra searches all of the top insurance companies, in one place, so you can compare the cost and coverage you need to protect your car, home and other property.

Step 1: Tell us a little about yourself

Choose an insurance product and enter your zip code to get started.

Step 2: Sip your coffee while we find the best quotes

Enter the necessary information and then sit back while we find quotes from 100 top insurance carriers.

Icon Fill Form

Step 3: Compare your quotes

Compare quotes side-by-side to find the right match for you, whether it's home, auto, or more.

Icon Agent

Step 4: Let our agents do the hard work for you

Once you pick your policy, our agents are here to get you over the finish line. Then just relax and enjoy your savings.

Compare insurance rates today!

Location pin icon
No junk mail. No spam calls. Free quotes.

Related Questions

Other people are also asking...

Why can I not remove my son from my auto insurance policy with GEICO?

Generally you can't remove a household member from your policy unless they have their own separate insurance coverage. You should have the option to exclude your son from the policy if you don't want him to impact your rate, but that means he will not be covered to drive any of the vehicl…
Sep 5, 2017 Delray Beach, FL

If I backed into another person's car (which was sitting in their driveway), should I file a claim if repairs are estimated to be $2,500?

Hello, Since there is no damage to your vehicle, you would not need to file a claim. However, the person that you hit has the option to file a claim. You can offer to pay for the damages out of pocket to avoid the accident going on your record. Ultimately, it is up to the other party as to whether …
Jul 17, 2019 Chicago, IL

How do I dispute a driving record with AAA?

Unfortunately, the only way you can dispute a claim on your driving history is to contact LexisNexis, which is the software company that houses the database for accident reports. Keep in mind, if your collision coverage paid for your claim, then it will still be listed as an at-fault accident.You c…
Sep 21, 2018 Los Angeles, CA

Will my rate go up if I file a claim for a damaged side mirror?

Put simply, any time you file a claim, there is usually a rate increase. Since you don't know who it is that hit you, you would have to go through your coverage. Glass claims fall under a comprehensive claim, which tends to be small. However, even small claims can lead to a rate increase.I rec…
Jun 18, 2019 Houston, TX