Will a Windshield Claim Raise My Insurance Premium?
Contributors
Will Fitzpatrick
Owner - Proview Auto Glass
Published on
July 14, 2026
It's one of the questions we hear most often.
“If I file a windshield claim, will my insurance premium go up?”
The honest answer is...
It might.
A Windshield Claim Is Still an Insurance Claim
In Arizona, windshield replacement is generally handled under your comprehensive insurance coverage when you have glass coverage.
Even though it isn't a collision claim, it is still processed as an insurance claim.
Every insurance company has its own underwriting guidelines, and each policyholder has a unique claims history.
Because of that, no reputable auto glass company can honestly guarantee that filing a claim will never affect your premium.
Every Situation Is Different
Your insurance company may consider several factors, including:
- Your claims history
- Your policy coverage
- The number of previous claims
- Your insurance carrier's underwriting practices
That's why two drivers with the same windshield damage may have different experiences.
We Believe You Deserve Honest Answers
At ProView Auto Glass & Tint, our job isn't to tell you what you want to hear.
Our job is to help you understand your options.
We'll explain the claims process, answer your questions, and help you determine whether using your insurance or paying out of pocket makes the most sense for your situation.
Your Safety Comes First
Sometimes customers hesitate to repair a damaged windshield because they're worried about filing a claim.
But a growing crack can reduce visibility and compromise the structural integrity of your windshield.
Waiting too long can turn a simple repair into a full replacement.
We're Here to Help
If you're unsure whether you should file a windshield claim, give ProView Auto Glass & Tint a call.
We'll walk you through the process, explain your options, and help you make an informed decision without any pressure.
Our goal is simple: Help you protect your vehicle, understand your choices, and get safely back on the road.
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