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

I was driving on the highway when a gravel truck got in front of me. Even though I wasn’t too close, a rock flew back and cracked my windshield. Now there’s this long crack right across my view, and I’m not sure if I should file a claim with GEICO to get it fixed. Will that make my rates go up?

Filing a windshield claim with GEICO usually won’t cause your car insurance rates to go up. These repairs fall under comprehensive coverage and are often treated as “no-fault,” meaning they don’t count against you like an at-fault accident might. Small chip repairs are sometimes even free with no deductible, while a full replacement may involve paying a deductible depending on your state.

Unless you’ve filed several claims in a short period, a single windshield claim is unlikely to impact your premium. Still, it’s a good idea to double-check your specific policy and state rules so there aren’t any surprises.

My advice as far as filing a claim is that if you can pay for it out of pocket, especially if it's less than what your deductible is, then don't file a claim. Ultimately, it's up to you to decide, but smaller claims usually aren't worth having on your records if you're in a position to have the damage taken care of yourself. I hope this helps! Remember, if you have questions or need help shopping around for different coverage, our agents at The Zebra are here to help.