Will Windshield Repair Increase Insurance Premium?

Windshield repair is a crucial element of car maintenance. If your windshield gets damaged, it’s important to fix the crack or chip as soon as possible. But many people are unsure about the impact that repairing their windshield will have on their insurance premium.

Will you have to pay more for your insurance after getting your windshield repaired? In this blog post, we’ll explore this question and try to answer it once and for all. We’ll talk about some factors that may influence the cost of your repairs, such as the type of repair needed and whether or not you have comprehensive coverage.

What is windshield repair?

Windshield repair is the process of fixing a cracked or chipped windshield. This can be done by filling the crack with a special resin that bonds to the glass, or by replacing the entire windshield. Windshield repair is usually covered by comprehensive insurance, so it will not increase your insurance premium.

Does insurance cover windshield repair?

If you have comprehensive insurance, then your insurance policy will cover the damages to your windshield. However, if you only have liability insurance, then your insurance will not cover the cost of repairing or replacing your windshield.

How much does windshield repair cost?

Windshield repair costs can vary depending on the type of damage, the severity of the damage, and the make and model of your vehicle. However, most windshield repairs will cost between $50 and $200. If you have comprehensive insurance, your insurance company may cover the cost of windshield repair.

However, if you have a deductible on your comprehensive insurance policy, you will likely have to pay that amount out-of-pocket before your insurance company will reimburse you for the cost of repairs.

How to avoid windshiled repair

Windshield repair is something that no driver wants to have to deal with. Not only is it an expensive repair, but it can also lead to an increase in your insurance premium. There are a few things that you can do to avoid having to repair your windshield.

First, make sure that you regularly inspect your windshield for any cracks or chips. If you see any, take care of them right away. The longer you wait, the more likely it is that the damage will spread and become irreparable.

Second, avoid driving in hazardous conditions whenever possible. If you know that there’s a chance of hail or other debris hitting your windshield, try to stay indoors or drive somewhere else.

Finally, be extra careful when driving in construction zones or areas where there’s a lot of road work being done. These areas are more likely to have loose gravel or other materials that can damage your windshield. If you can’t avoid driving in these areas, be sure to drive slowly and cautiously.


Overall, windshield repair will not increase your insurance premiums. There may be a small administrative fee added to cover the paperwork and processing but this should not affect how much you pay in overall premiums.

However, if your windshield is damaged beyond repair or requires a full replacement, then this could potentially have an impact on the cost of your premium payments. Therefore it’s important to consider all options before deciding which type of repair route to take for damaged auto glass.