Car scratches - out of pocket or insurance?

misjudged a parking space like a total dumb dumb and scratched the front of my car. no structural damage but it would need to be repainted and possibly bumper replaced. doubt it would cost more than $1k

question is - do i go thru insurance or pay out of pocket? there is no other driver involved in this situation. i have the money to pay out of pocket, and i dont want my insurance rate to go up, so what would be less expensive in the long run?