Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Mar 1, 2022

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Just the Basics

  • GEICO offers no-cost windshield repairs, but GEICO may charge your deductible for replacements
  • Some states like Florida, Kentucky, and South Carolina require that car insurance companies repair or replacement windshields with no deductible
  • Collision and comprehensive coverages must be in place for windshield repairs or replacements

If you spend any time on the road, your windshield will more than likely be damaged at some point. While chips and cracks are an inconvenience, glass repair is relatively easy. Avoid hefty out-of-pocket expenses by having the necessary GEICO coverages.

GEICO windshield replacement and repair coverage will quickly get you back on the road with little to no charge.

While GEICO offers windshield repairs at no charge, GEICO will charge your deductible to replace your windshield.

In addition, collision and comprehensive coverages have to be in place. Otherwise, you’ll be paying out of pocket for windshield damage.

Keep reading to learn more about GEICO windshield replacement and repairs. In addition, find out what coverages you need to avoid paying for windshield damage yourself.

What is GEICO windshield replacement?

Most states require drivers to carry liability coverage. However, while liability covers property damage and bodily injuries to others, it doesn’t provide coverage for your vehicle.

Full coverage car insurance combines liability, collision, and comprehensive coverages for more protection for you and your vehicle.

Combining collision and comprehensive coverages will cover all damage to your vehicle. Most repairs fall under comprehensive insurance coverage when it comes to windshield damage.

Most windshield damage consists of cracks and chips. Glass technicians can repair damages smaller than a dollar bill. And since replacing your windshield costs more and potentially leads to problems such as leaks, GEICO prefers repairs over replacement when possible.

In addition, GEICO waives your deductible for windshield repairs. However, the GEICO windshield replacement cost is usually your deductible.

Although GEICO’s windshield replacement involves your deductible, the state you live in can save you money. According to CarWindshields.info, your state laws determine what you pay for windshield damage.

For example, Florida, Kentucky, and South Carolina require car insurance companies to repair or replace windshields at no cost to the driver. While Arizona, Connecticut, Massachusetts, Minnesota, and New York require car insurance companies to offer $0 deductible glass coverage.

Keep in mind, you have to have collision and comprehensive coverages in place for windshield repairs and replacement to be covered no matter where you live.

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How much does GEICO car insurance with windshield coverage cost?

You need full coverage car insurance for windshield damage to be covered no matter the circumstance. Although full coverage is more expensive, your vehicle is better protected.

Take a look at this table to compare average GEICO car insurance rates based on coverage types. While low or liability-only coverage costs less, coverage is also significantly reduced.

GEICO Average Car Insurance Rates Based on Coverage Type
Type of CoverageAnnual RatesMonthly Rates
Low Coverage$3,001.91$250.16
Medium Coverage$3,213.97$267.83
High Coverage$3,429.14$285.76
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GEICO full coverage car insurance is about $35 a month more than basic liability coverage. However, full coverage pays for damages from accidents and other events. You can end up paying for those damages yourself if you only carry liability coverage.

How do you file a windshield claim with GEICO?

File your GEICO windshield claim quickly and easily. Begin the claims process as soon as your windshield is damaged. In some cases, technicians complete repairs the same day.

Submit a claims form online or call the GEICO windshield replacement phone number 1-800-510-2291.

If your windshield is broken and leaking, take measures to protect the inside of your vehicle. If possible, park in a covered area like a garage, and cover the broken windshield with a tarp or plastic.

Once your claim is submitted, a glass technician comes to your home or work to complete the repairs. The process generally takes around 30 minutes.

Although a service technician comes to you for windshield repairs, your car must go to a repair facility for replacements. A windshield replacement usually takes around an hour. GEICO also recommends repairs through a reputable repair service such as Safelite, but drivers can choose their own repair shop.

Drivers generally leave favorable GEICO windshield replacement reviews. However, complaints revolve around windshield replacement costs for their vehicle being higher than GEICO limits, causing high out-of-pocket expenses.

Beware of glass repair contractors that encourage you to sign an Assignment of Benefits form. While windshield repair is at no charge to you, the form allows the repair company to charge GEICO whatever they want for repairs. As a result, your car insurance rates may increase.

What do collision and comprehensive car insurance cover?

As we’ve discussed, collision and comprehensive coverages must be on your car insurance policies for windshield repairs or replacement.

Collision insurance covers damages to your vehicle from an accident. So if you hit another car or an object like a tree or fence and damage your windshield, GEICO’s collision coverage kicks in.

On the other hand, comprehensive covers damage unrelated to an accident. Damages from theft, vandalism, fire, falling debris like tree limbs, and acts of God are covered.

What are acts of God, and when are they covered? Acts of God include hail, floods, tornados, and hurricanes.

Remember, although full coverage car insurance costs more, your vehicle is protected from accidents, theft, vandalism, and acts of God.

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GEICO Windshield Replacement: The Bottom Line

Collision and comprehensive coverages must be in place to cover GEICO windshield replacements and repairs. Although GEICO repairs windshields at no cost to the driver, GEICO requires your deductible if you need a replacement.

Your state also affects what you pay for windshield damage. Each state creates its own laws regarding windshields.

For example, Florida, Kentucky, and South Carolina require windshield repairs and replacements to be completed at no charge.

Full coverage car insurance rates are higher, but coverage includes damages due to accidents, fire, theft, vandalism, and acts of God.

Since windshield damage is inevitable, make sure you have the correct GEICO car insurance coverages in place to reduce your out-of-pocket costs.