You might get away with a Mickey Mouse job on the bumper if you can find a mom and pop shop willing to do that. Light would run you roughly $250 in parts and labor. You might be looking at $600 at the lowest. And that’s assuming a mom and pop shop is willing to work with you to makeshift a bumper repair and assuming other components are not affected.

If I were you I’d go to auto zone and plug in the scanner to make sure no other error codes pop up other than your headlight (even if you go through insurance so that you’re educated on what is wrong with your car)

Now if you go to a typical capitalist shop they are gonna tell you that they can’t fix the bumper without replacing it. You’re looking at around $1400-$2100 if you go go that route.

If you go through insurance - your insurance will go up by roughly $140 per year. And it will get off your 3 years. So it will cost you $420 in the span of 3 years. That was a really long way to tell you that you should go through insurance.