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Writer's pictureBrad Haralson

Does My Insurance Cover Rock Chip Repair?

Updated: Oct 18


woman driving a convertible

Need rock chip repair? If you have comprehensive insurance, you can get your chip or chips repaired for $0 out-of-pocket. On top of that, it won't raise your premium if you live in Utah because it's a "no-fault" glass claim. (If you live out of state, make sure to check with your agent about how repairs may affect your premium.)


When you call your insurance to file a glass claim, you may hear something like: "We work with certain preferred shops as part of our glass repair program, such as [insert network partner like Safelite or LYNX]. However, you're free to choose any shop you'd like."


It's important to remember that you are not required to use the insurance's preferred vendors. You have the right to choose the repair shop that best fits your needs.


If you decide to work with a shop outside of their preferred network (like ours), your insurance will still cover the cost of repairs under your comprehensive policy, and you won’t need to pay anything out of pocket if you're fully covered. Just make sure you ask about the shop’s warranty policies, as they can vary.


Find your insurance below if you have any questions about your coverage or would like to confirm any information before scheduling your rock chip repair!


National Insurance Companies


  1. State Farm

    1. 888-624-4410

    2. Web page

    3. App

  2. Geico

    1. 1-800-510-2291

    2. Online claim

    3. App

  3. Progressive

    1. 1-800-776-4737

    2. Online claim

    3. App

  4. Allstate

    1. 1-800-255-7828

    2. Online claim

    3. App

  5. USAA

    1. 1-800-787-4222

    2. Online claim

    3. App

  6. Liberty Mutual

    1. 1-800-225-2467

    2. Online claim

    3. App

  7. Farmers Insurance

    1. 1-800-515-7406

    2. Online claim

    3. App

  8. Nationwide

    1. 1-800-421-3535

    2. Online claim

    3. App

  9. American Family Insurance

    1. 1-800-692-6326

    2. Online claim

    3. App

  10. Travelers

    1. 1-800-238-6225

    2. Online claim

    3. App

  11. Esurance (an Allstate company)

    1. 1-800-378-7262

    2. Online claim

    3. App

  12. Bear River Mutual Insurance (Utah)

    1. 801-267-5001

    2. Online claim

    3. No app

  13. American National Insurance (Utah)

    1. 1-800-333-2860

    2. Online claim

    3. App

  14. Blue Mountain Insurance (Utah)

    1. 385-317-1710

    2. Online claim (company's link is broken)

    3. No app


Ready to Schedule Your Rock Chip Repair?

If you're confident with your insurance coverage and ready to get that chip repaired, schedule an appointment with Chip Pro Autoglass! We work with all major insurances, will come to your location, and have the chip fixed in 20 minutes or less per chip.


Even if your insurance doesn't cover rock chip repair or you don't have insurance, spending $65 to have the chip repaired can save you money in the end—chips lead to cracks, cracks lead to full windshield repair, and that can run anywhere from $200-$2000!


Book an appointment today and take advantage of Chip Pro's mobile rock chip repair service.

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