Typically, claiming a windshield replacement won’t affect your premium. Your insurance rates won’t increase by much, if at all, if you get your windshield replaced, even if you don’t live in a state with free windshield replacement laws. If you file a comprehensive claim to repair or replace your windshield, generally your rates won’t go up, as most comprehensive claims don’t incur a rate increase. If you do see a bump in your premium, it will be minimal.