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

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Aug 4, 2018 Charlotte, NC

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Ava Lynch

Insurance Analyst

Credentials
  • 7+ years of Experience in the Insurance Industry

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…

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. 

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