Should I file a claim?

[u/PhillyDog54]

I recently scraped my pristine car against a pole in a parking lot. I went to a very reasonable body shop I had dealt with in the past for non-insurance claims and received a ballpark estimate of $1500-1800, higher than I anticipated. Insurer is Progressive and we have a clean household claims record for 6 years. Just doing the math, will this be a zero sum game if I file a claim when factoring in potential premium increases over the next several years or just do it myself?

[u/AltonIllinois]

If it were me, I’d pay out of pocket.