Does Insurance Cover Cracked Windshield Geico?

For many drivers, a cracked windshield can be an unexpected and costly expense. Not only are you left with the repair costs, but you may also have to deal with insurance companies that don’t want to cover all of your costs.

When it comes to Geico, does insurance cover cracked windshields? In this blog post, we will answer this question and share some tips on how you can get the best coverage for your windshield repairs. Read on if you want to know more about whether Geico will cover the costs of your cracked windshield!

What Does Geico Cover?

Assuming you have comprehensive coverage, Geico will cover a cracked windshield as long as it’s not caused by negligence on your part. They’ll likely waive the deductible and cover the full cost of repairs or replacement.

However, if you have a basic insurance policy with Geico, they likely won’t cover any damage to your windshield – no matter how it happened. You would be responsible for paying the full cost of repairs or replacement out-of-pocket.

What Does Geico Not Cover?

There are a few things that Geico does not cover when it comes to your car insurance policy. One of these things is cracked windshields. While Geico will cover some of the cost of repairing or replacing your windshield, they will not cover the full cost. This means that you will have to pay out of pocket for any repairs or replacements that are needed.

Another thing that Geico does not cover is damage to your car that is caused by weather events. This includes damage from hail, wind, and even floods. If your car is damaged by any of these events, you will need to file a claim with your own insurance company to get the coverage you need.

How Much Does Geico Charge for Cracked Windshield Coverage?

If you have a cracked windshield, Geico’s comprehensive coverage will pay to repair or replace your car’s glass. If you only have liability coverage, you’ll have to pay for the repairs yourself. The cost of fixing a cracked windshield can range from $100 to $400, depending on the severity of the damage.

How to File a Claim with Geico

If your windshield is cracked and you have insurance with Geico, you will need to file a claim in order to have the damage repaired. To do so, you will first need to gather all of the necessary documentation. This includes a police report (if the damage was caused by a crime), an estimate of the repair costs, and any receipts for paid repairs.

Once you have all of the required documentation, you can file a claim online or over the phone. When filing online, you will need to login to your account and navigate to the claims section. From there, you will be able to start a new claim and follow the prompts. If filing over the phone, simply call the number on your insurance card and speak with a representative who can help walk you through the process.

In most cases, Geico will cover the cost of repairing your windshield minus any applicable deductible. However, it is important to note that some policies may exclude wind damage from coverage. If this is the case, you will be responsible for paying for repairs out-of-pocket.


In conclusion, Geico does cover cracked windshields if you have the proper coverage. However, it is important to be aware of what type of coverage you have and determine if a cracked windshield will be covered under your policy. It is also important to note that not all types of damage are covered by insurance, so make sure to consult with an agent for more information about your specific situation and plan.