Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager Chris Harrigan

UPDATED: Feb 8, 2022

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Key Takeaways

  • You will need GEICO comprehensive coverage to pay for windshield replacement
  • GEICO offers windshield repairs with no deductible or cost
  • Some states like Florida and South Carolina require car insurance companies to offer windshield repairs or replacements at no charge

If you spend much time on the road, chances are you’ll get a chip or crack in your windshield. While this is inconvenient, you may be able to get it taken care of at no cost.

Does GEICO cover windshield replacement? Yes, if you have the right coverage. However, if you have basic or liability-only GEICO car insurance, you’ll be paying for a replacement or repairs yourself.

To avoid unnecessary out-of-pocket costs, add comprehensive coverage to your car insurance policy. Full coverage, which includes liability, collision, and comprehensive coverages, will more completely protect your car from damages, including windshield damages.

Read our GEICO car insurance review to learn more about what coverages and services GEICO offer.

Keep reading to learn more about GEICO’s windshield replacement and repairs policy. Before you begin, enter your ZIP code to compare free car insurance quotes with comprehensive coverage from companies near you.

Does GEICO cover windshield replacement?

There are a million ways you can get a chip or crack in your windshield. Not only is it annoying, but in some states, it’s also illegal to drive with a damaged windshield.

Does my auto insurance cover windshield replacement?

The good news is that your GEICO car insurance will probably cover getting it repaired or replaced. However, you have to have the right coverage to avoid any out-of-pocket costs.

While GEICO may cover repairs, you may have to pay your deductible to have your windshield replaced, even with all of the right coverages in place. If you have a small chip or crack, it’s much easier to have your windshield repaired than replaced.

Each state also gets to make rules about vehicle window repair, so your state will also help decide if you have to pay anything yourself or if your car insurance handles all costs.

Note that GEICO windshield replacement reviews are mixed. While some drivers report the process is very convenient, some have trouble getting their windshields replaced correctly.

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What GEICO car insurance coverage is needed for windshield replacement or repairs?

You have to have the right coverages in place for your GEICO car insurance to pay for windshield repair or replacement. To be completely protected, you need to have full coverage car insurance.

While most states require you to carry liability coverage, it only pays for property damage and bodily injuries for another person if you cause an accident. It doesn’t cover your vehicle at all.

Collision coverage pays for damages to your vehicle, including your windshield, if you cause an accident.

On the other hand, comprehensive pays for damages to your vehicle that aren’t from an accident. Damages include theft, vandalism, falling debris, and acts of nature like a fire, flood, or hail. This coverage is most used for windshield replacement and repair.

Full coverage is a combination of all three of these coverages and protects your vehicle from most damages. Although full coverage is more expensive, the peace of mind is well worth it.

Check out this table to get an idea of how GEICO car insurance rates stack up. It shows average annual rates from top companies, including GEICO, based on types of coverage.

Average Annual Auto Insurance Rates Based on Coverage Type
CompanyAverage Annual Rate for Low CoverageAverage Annual Rate for Medium CoverageAverage Annual Rate for High Coverage
Allstate$4,628.03$4,896.81$5,139.02
American Family$3,368.49$3,544.37$3,416.40
Farmers$3,922.47$4,166.22$4,494.13
GEICO$3,001.91$3,213.97$3,429.14
Liberty Mutual$5,805.75$6,058.57$6,356.04
Nationwide$3,394.83$3,449.80$3,505.37
Progressive$3,737.13$4,018.46$4,350.96
State Farm$3,055.40$3,269.80$3,454.80
Travelers$4,223.63$4,462.02$4,619.07
USAA$2,404.11$2,539.87$2,667.92
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You can see that GEICO has some of the cheapest rates out there, no matter what type of coverage you choose. For example, high or full coverage with GEICO is only around $285 a month and covers a windshield replacement or repair.

How do you file a claim for GEICO windshield replacement or repair?

Filing a GEICO windshield claim is very easy. First, begin the claims process online or by calling customer service. The GEICO customer service number is 1-800-207-7847.

GEICO is different than other car insurance companies in that it doesn’t outsource windshield repairs to another company. Instead, GEICO sends its technicians to perform repairs or replacements.

The glass technician comes to you at work or home, and repairs are generally complete within 30 minutes. Repairs are encouraged over replacement because the factory seal on your windshield stays in place, which helps prevent leaks.

It’s also a good idea to opt for repairs instead of replacement because GEICO doesn’t make you pay a deductible for repairs. However, the GEICO windshield replacement cost is your comprehensive deductible which can be several hundred dollars.

GEICO warns against using an unknown glass repair technician that asks you to fill out an Assignment of Benefits (AOB). An AOB allows this technician to charge GEICO for the windshield repair or replacement.

The problem is that with the AOB, GEICO can be charged any amount for the work. So while you won’t have out-of-pocket costs, it can raise your car insurance rates due to GEICO being overcharged for the repair. In addition, your personal information is vulnerable.

What are the state laws about windshield replacement?

Besides your car insurance coverage, where you live will also affect paying for a windshield replacement or repair. According to CarWindshields.Info, every state has its own requirements for parts used to repair or replace your windshield, as well as the costs involved.

For example, car insurance companies in Florida, Kentucky, and South Carolina must waive the comprehensive deductible to repair or replace the windshield. In addition, Arizona, Connecticut, Massachusetts, Minnesota, and New York require insurance companies to offer $0 windshield deductible coverage.

Coverage will vary because your state will determine parts and how much you will have to pay for your windshield repairs.

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Does GEICO Cover Windshield Replacement: What You Need to Know

GEICO will repair a windshield for no cost if you have comprehensive coverage. However, if your windshield needs to be replaced, you will have to pay your deductible. The only exceptions are for Florida, Kentucky, and South Carolina drivers.

Making sure you have coverage in place if your windshield is damaged doesn’t have to be tricky. Chances are, if you already have full coverage, you can quickly repair or replace your windshield with GEICO.

Now that you know what coverage you need for windshield replacements, shop around to find the best coverage with the cheapest rates. Enter your ZIP code now to compare full coverage car insurance quotes from companies in your area for free.