Short version: usually not much, sometimes not at all, occasionally more than the claim was worth. Anyone who gives you a cleaner answer than that is selling something. Here's what's actually knowable, and how to find your own answer in one phone call.
Search this question and count who's answering. Glass shops, who are paid when you file, say rates rarely go up. Insurance company pages say "it depends" and stop there. Content sites quote a "10 to 20% increase" with no source, then hedge with may, might, and can for eight paragraphs. Nobody ranking for this question is neutral about your answer, and it shows.
The frustrating truth is that the real answer is knowable. Every insurer files its rating rules, including claim surcharges, with your state's insurance department. Those filings are public. They are also thousands of pages of actuarial tables that nobody reads on your behalf. That's the gap this site is working on closing, state by state, starting with the carriers below.
Glass falls under comprehensive coverage, the not-your-fault bucket that also covers hail, deer, and theft. Insurers treat comprehensive claims far more gently than at-fault collisions, because a rock off a truck says nothing about how you drive. Many carriers apply no surcharge at all to a first comprehensive claim. An at-fault collision, by contrast, commonly raises rates 40% or more for three to five years. Confusing these two categories is the single biggest reason advice on this topic contradicts itself.
This is the biggest single variable, and carriers fall into three groups. Some state publicly that a first glass or comprehensive claim doesn't raise your rate (USAA and Farmers have published guidance in this direction). Some say the effect is small, roughly 0 to 5% at renewal (Progressive has published figures like this; State Farm says glass claims matter less than at-fault crashes but varies). And the largest group, including GEICO, Allstate, Liberty Mutual, Nationwide, and Travelers, publishes no rule at all. For that group, the honest answer lives in their state rate filings, and the practical answer comes from asking them directly.
The second claim in a few years costs more than the first, whatever kind it was. Underwriting treats frequency as a signal even when each claim was small and blameless. A driver with two recent claims filing a $400 glass claim is in a genuinely different position than a driver with a clean record filing the same claim. Claims also sit on your CLUE report (the industry's shared claims database) for up to seven years, where your next insurer sees them too.
Here's the trap that costs the most money: safe-driver and claims-free discounts often run 15 to 25% of your premium. Some carriers reset or remove them after any claim, including a windshield. On a $2,000-a-year policy, losing a 20% discount costs $400 a year, which can be more than the entire claim saved you. When our calculator warns about this, that warning is frequently bigger than the surcharge estimate itself.
A few states change this math directly. North Carolina's rate plan assigns zero insurance points to comprehensive claims, though you can still lose a claims-free discount, a nuance even local agents write about. Some states restrict surcharges for not-at-fault claims generally. And in the three states that waive glass deductibles outright (Florida, Kentucky, South Carolina), the filing decision is mostly made for you, though the discount question above still applies.
Before you file, call your insurer (or use their chat) and ask two questions, in this order:
Asking about your policy is not filing a claim. Some drivers avoid even calling out of fear that the question gets logged against them; a few states explicitly bar insurers from rating on inquiries, and for glass specifically the question is routine. If the answers are "no and no," file with confidence. If either answer is "yes" or a dodge, run the numbers first.
Our calculator does this arithmetic for your specific situation: your car's glass and calibration cost, your deductible, your state's rule, your carrier's published behavior, and what a discount loss would cost at your premium. It shows every step, and when the answer is genuinely close, it says so instead of guessing.
Carrier behavior summaries reflect published carrier guidance as of August 2026 and are sample data pending state-by-state verification against SERFF rate filings. This page is information, not insurance advice; your policy and your state's rules control.