How Much Does Windshield Replacement Cost Without Insurance?
There are many different living expenses which surround our lives each month and one fixed expense that falls into our monthly budget is auto insurance. If you drive a car then chances are you have auto insurance. Automotive insurance is something we all need in order to be responsible drivers. Keeping our monthly premium as low as possible is very important and filing a claim could potentially cause this premium to increase. This has many of us questioning whether or not to file a claim if the cost of a repair service isn’t too much higher than our deductible.
Let’s take the cost of a windshield replacement for example. So, how much does windshield replacement cost without insurance? 
Well, this would depend on the type of vehicle you’re driving. The costs could range from $149 on the low end to more than $1,000 dollars on the high end. Unless you’re driving a Bentley or Ferrari it’s safe to say you will more than likely fall within the low to mid range and spend around $175 to $250 for a windshield replacement.
Research has demonstrated that the most popular windshield replacement searches taking place over the internet surround the following 7 vehicle types.
(Chevy, Buick, Ford, Honda, Toyota, Nissan, and Jeep)
I’ve created a short list of average windshield prices by vehicle make and model using the information above. The price estimates listed below do not include taxes and could be higher or lower depending on the manufacturer year of your vehicle.
- Chevy Tahoe – $175 to $225
- Chevy Impala – $190 to $215
- Buick Enclave – $340 to $375
- Honda Civic 4 Door – $220 to $225
- Ford Expedition – $235 to $250
- Toyota Forerunner (4Runner) – $169 to $190
- Ford F 150 – $180 to $212
- Nissan Murano – $180 to $199
- Jeep Wrangler 2 & 4 Door – $199 to $225
As you can see from the prices above, the cost for a windshield replacement can potentially be far less than your deductible. However, if you have a deductible that’s less than $100 dollars then you may want to file a claim to have the work performed. There’s also a handful of states which have laws in place to waive deductibles so be sure to check with your agent and verify what expenses you’ll be responsible for paying prior to setting up service.
In closing, I would like to go back to discussing our fixed expenses and monthly budget to answer another question I hear quite often. Will my insurance premium go up if I file a claim to have the windshield fixed? It’s possible. There are shops that will tell you a claim won’t increase your premium but they’re not your agent so how do they know. I’ve had agents explain to me that comprehensive glass claims alone won’t cause an increase in premiums but it does count towards the overall claims filed per calendar year on a policy. So, if you’ve had other insurance claims throughout the year then filing an auto glass claim could possibly trigger an increase in your premium. In my opinion, the only person able to definitively tell you if your premium will increase from filing a windshield claim is your agent. Be sure to do some research prior to filing a claim that could potentially increase your fixed expenses and monthly budget.
