Is a broken windshield covered by car insurance?
Finding the right car insurance coverage is crucial to protect yourself and your vehicle. With so many options available, it can be overwhelming to make a decision. That's why comparing quotes from top insurance companies is essential. Our free online tool allows you to enter your information and instantly receive quotes tailored to your needs.
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Chris Abrams
Licensed Insurance Agent
Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chris works tireles...
Licensed Insurance Agent
UPDATED: Aug 20, 2024
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Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Aug 20, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
When it comes to car insurance, understanding what is covered and what isn’t is crucial. One common question many drivers have is whether a broken windshield is covered by their car insurance. In this article, we will delve into this topic and provide you with the information you need.
- Comprehensive car insurance pays for damage to windshields
- You can pay as little as $13 per month for comprehensive insurance
- Six states in the nation have no deductible for windshield replacement
To ensure you have the best coverage at the most competitive rates, take advantage of our free quote tool. Simply enter your zip code and compare rates from the best insurance providers in your area. Protect your vehicle and your wallet—get the answers you need and compare rates today.
Understanding Windshield Insurance Coverage
When it comes to car insurance, many drivers are often left wondering, “Does car insurance cover windshield damage?” The answer is typically yes, but it can vary depending on your policy. For instance, state-specific laws like the SC windshield replacement law may require insurers to provide coverage without imposing a deductible.
Companies such as State Farm Insurance cover cracked windshields under comprehensive policies, while Esurance offers windshield replacement services to its policyholders. To determine if windshield replacement is covered by insurance, it’s crucial to review your policy or speak directly with your insurer.
If you find yourself with a cracked windshield, you might also be curious about insurance coverage for cracked windshields and whether it’s more cost-effective to handle it with windshield replacement insurance or out of pocket. Many insurers, including Nationwide Insurance for windshield replacement, offer policies with low deductibles to make the process more affordable.
However, for those in the windshield repair business, it’s important to have the right business insurance to protect against liabilities. Meanwhile, Farmers Insurance offers windshield replacement deductible options that can lower your out-of-pocket expenses. Always check your specific policy details to ensure you have the appropriate coverage.
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Windshield Replacement Insurance Coverage
Understanding the South Carolina windshield replacement law can save car owners time and money when dealing with a damaged windshield. In South Carolina, insurance coverage for windshield replacement is mandated by law, meaning that if your car front glass is broken, insurance will typically cover the replacement without any out-of-pocket cost.
This benefit is also found in other free windshield replacement by states such as Florida and Kentucky. For instance, State Farm windshield coverage and other major insurance providers often include provisions for windshield replacement insurance coverage. It’s essential to verify the specifics of your car insurance windshield coverage to ensure you’re not left with unexpected expenses.
Policies such as AAA windshield replacement deductible often offer low or no deductible options for windshield repairs or replacements. Residents in different states should be aware of their specific local laws regarding windshield replacement.
For example, Georgia windshield replacement law and North Carolina windshield replacement law may have different requirements and coverage options compared to Kentucky windshield replacement law. Ensuring that your broken windshield is covered by insurance is crucial, and knowing whether your windshield is covered by insurance can prevent unforeseen costs.
The cost of windshield replacement insurance varies, but many policies are designed to cover significant portions, if not all, of the expenses. Therefore, familiarizing yourself with the intricacies of windshield replacement cost in insurance can help you better navigate the claims process and understand your financial responsibilities.
Is a broken windshield covered by car insurance?
Yes, it is. However, you’ll need comprehensive auto insurance to cover a broken windshield.
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Comprehensive insurance pays for damage to your vehicle that doesn’t involve a collision. In other words, any unforeseen damage to your car is covered by comprehensive coverage.
Here are some incidents that auto insurance companies identify as comprehensive damage.
- Fire damage
- Damage from animals
- Storm damage (including wind, hail, and ice)
- Vehicle vandalism and theft
- Damage due to civil unrest (such as riots)
- Flooding
Your liability coverage doesn’t pay for damaged windshields. However, an at-fault driver that damages your windshield in a collision is responsible to pay for the damages.
Collision insurance covers damage to your car, including the windshield. But collision car insurance only pays for damage if it involves an accident with another vehicle.
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How much are broken windshield car insurance rates?
You won’t find broken windshield car insurance quotes because broken windshields are covered under comprehensive insurance.
On average, comprehensive coverage is about $13 per month. However, comprehensive auto insurance varies for each state.
Let’s compare comprehensive insurance rates for each state.
NAIC's Average Monthly Comprehensive Car Insurance Rates by State
| States | Average Monthly Comprehensive Rates |
|---|---|
| *Industry Average | $13 |
| Alabama | $14 |
| Alaska | $12 |
| Arizona | $16 |
| Arkansas | $17 |
| California | $8 |
| Colorado | $17 |
| Connecticut | $11 |
| Delaware | $11 |
| District of Columbia | $19 |
| Florida | $11 |
| Georgia | $14 |
| Hawaii | $9 |
| Idaho | $10 |
| Illinois | $11 |
| Indiana | $11 |
| Iowa | $16 |
| Kansas | $21 |
| Kentucky | $12 |
| Louisiana | $19 |
| Maine | $9 |
| Maryland | $13 |
| Massachusetts | $12 |
| Michigan | $13 |
| Minnesota | $16 |
| Mississippi | $18 |
| Missouri | $16 |
| Montana | $21 |
| Nebraska | $20 |
| Nevada | $10 |
| New Hampshire | $9 |
| New Jersey | $11 |
| New Mexico | $15 |
| New York | $15 |
| North Carolina | $11 |
| North Dakota | $20 |
| Ohio | $10 |
| Oklahoma | $20 |
| Oregon | $8 |
| Pennsylvania | $13 |
| Rhode Island | $11 |
| South Carolina | $16 |
| South Dakota | $24 |
| Tennessee | $13 |
| Texas | $19 |
| Utah | $10 |
| Vermont | $11 |
| Virginia | $12 |
| Washington | $9 |
| West Virginia | $18 |
| Wisconsin | $12 |
| Wyoming | $23 |
According to the National Association of Insurance Commissioners (NAIC), California has the cheapest comprehensive car insurance in the United States.
Affordable car insurance is determined by the state where you live and which company provides the insurance policy.
Do I have to pay a deductible for a broken windshield?
It depends on the state. Comprehensive car insurance (which covers broken windshields) comes with a deductible in most states. Six states don’t require a deductible when you file a comprehensive claim for glass replacement or repair.
States that don’t require a deductible to pay for windshield replacement are:
- Arizona
- Florida
- Kentucky
- Massachusetts
- New York
- South Carolina
If you live in any of these states, you won’t have to pay your auto insurance company a deductible for replacing your windshield.
Be cautious about companies with prices that are too good to be true. Ask the glass repair provider if it’s part of the Auto Glass Safety Council.
When should you file a comprehensive car insurance claim for a broken windshield?
File a broken windshield claim as soon as possible. But there are specific factors that indicate whether you should replace your windshield.
Check out this list to understand the tell-tale signs that your windshield should be replaced.
- The windshield damage obstructs your view of the road
- A chip or crack is more than halfway through the glass
- Damage to the windshield extends to the edge of the glass
- There’s a crack larger than a dollar bill
- The glass isn’t laminated
Contact your auto insurance company and let them know you need to file a comprehensive claim for your windshield.
You may have to pay a deductible before your windshield is replaced. If you need help locating a windshield repair company, ask your car insurance company for a glass provider it prefers.
How much do glass repair and replacement cost?
Prices for glass repair and replacement are different in each area of the United States. But the average cost of small glass repair, such as a chip, is between $60 and $100.
Cracks can be fixed for around the same price. However, longer and more complicated cracks may cost $125 or more.
If the cost of repairs is more than $125, you may want to consider replacing your windshield.
Why shouldn’t I use DIY methods to fix damaged windshields?
There are several DIY windshield repair methods, but they only work for a short time.
You can skip expensive out-of-pocket costs when you buy broken windshield car insurance (comprehensive insurance).
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Case Studies: Is a broken windshield covered by car insurance?
Case Study 1: John’s Comprehensive Coverage
John, a careful driver, woke up one morning to find a large crack in his windshield. He contacted his insurance provider and discovered that his policy included comprehensive coverage. As a result, John’s insurance company agreed to cover the cost of repairing or replacing the windshield. He paid his deductible, and the insurance provider handled the rest.
Case Study 2: Sarah’s Liability-Only Policy
Sarah had a basic liability-only car insurance policy, which typically covers damages to other vehicles but not one’s own. Unfortunately, she experienced a similar situation to John and found her windshield shattered. When she filed a claim with her insurance company, she was informed that her policy did not cover windshield damage. Sarah had to pay for the repairs out of pocket.
Case Study 3: Mark’s Glass Coverage Add-On
Mark had opted for an additional coverage option called “glass coverage” when he purchased his car insurance policy. When his windshield was damaged by a rock that flew off a passing truck, Mark contacted his insurance company. They confirmed that his policy included glass coverage, and he was able to get his windshield replaced with only a small deductible to pay.
Case Study 4: Emily’s Comprehensive Coverage with Deductible
Emily had comprehensive coverage, similar to John, but her policy included a deductible. Unfortunately, her windshield suffered a deep crack due to a fallen tree branch during a storm.
When Emily contacted her insurance provider, she learned that she needed to pay her deductible before the insurance would cover the repair or replacement cost. She opted to use her insurance to cover the expense and paid the deductible accordingly.
Case Study 5: James’ Policy Exclusion
James discovered a crack in his windshield, and upon reviewing his insurance policy, he found a specific exclusion for windshield damage. Although he had comprehensive coverage for other types of damage, his policy explicitly stated that it did not cover windshield repairs or replacements. As a result, James had to bear the full cost of repairing the windshield himself.
Broken Windshield: The Bottom Line
Broken windshields are covered by comprehensive coverage. However, your car insurance company won’t cover your windshield if the damage occurred before the start of your policy.
Also, liability and collision auto insurance will pay to repair or replace a broken windshield if it was damaged in a car accident. If the damage was not the result of a collision, comprehensive coverage will pay to repair or replace a broken windshield.
If you haven’t bought comprehensive insurance for your policy, it may be time to add the coverage option. And comprehensive car insurance is at the best insurance companies.
If you want to avoid paying out-of-pocket for a broken windshield, enter your ZIP code in the free comparison tool to see what the top insurance companies provide near you.
Frequently Asked Questions
Do I have to pay a deductible for a broken windshield?
It depends on the state. Comprehensive car insurance comes with a deductible in most states. Six states don’t require a deductible when you file a comprehensive claim for glass replacement or repair.
Why shouldn’t I use DIY methods to fix damaged windshields?
There are several DIY windshield repair methods, but they only work for a short time. It’s best to buy broken windshield car insurance (comprehensive insurance) to avoid paying out-of-pocket for repairs.
Does car insurance cover a broken windshield if the damage occurred before the start of your policy?
No, car insurance won’t cover your windshield if the damage occurred before the start of your policy. Comprehensive coverage will pay to repair or replace a broken windshield if it was damaged after the policy start date. Liability and collision auto insurance will pay to repair or replace a broken windshield if it was damaged in a car accident.
What are some incidents that auto insurance companies identify as comprehensive damage?
Some incidents that auto insurance companies identify as comprehensive damage include theft, vandalism, falling objects, and weather-related incidents.
What should I do if I want an insurance quote right now?
You can use a free online quote tool to compare multiple insurance companies in your area.
Does car insurance cover windshield replacement?
Yes, car insurance often covers windshield replacement if you have comprehensive coverage.
Should I replace my windshield with insurance?
Yes, you should replace your windshield with insurance to minimize out-of-pocket costs.
Does car insurance cover a cracked windshield?
Yes, car insurance can cover a cracked windshield if you have comprehensive coverage.
Should I file a claim for a chipped windshield?
Yes, you should file a claim if the chip is significant or likely to spread.
How do I know if my insurance covers windshield replacement?
Check your policy details or contact your insurance provider to confirm if windshield replacement is covered.
Does liability insurance cover windshield replacement?
No, liability insurance does not cover windshield replacement; you need comprehensive coverage.
Does AAA cover broken windshields?
Yes, AAA covers broken windshields if you have comprehensive coverage in your policy.
Yes, car insurance covers a broken window if you have comprehensive coverage.
Does a car warranty cover a cracked windshield?
No, a car warranty typically does not cover a cracked windshield; insurance is needed.
Does Allstate cover cracked windshields?
Yes, Allstate covers cracked windshields under comprehensive coverage.
Does AAA replace windshields for free?
Yes, AAA can replace windshields for free if you have the appropriate coverage.
Does comprehensive insurance cover windshield replacement?
Yes, comprehensive insurance covers windshield replacement.
Does AAA cover windshields?
Yes, AAA covers windshields if you have comprehensive coverage in your policy.
Does Florida car insurance cover windshield replacement?
Yes, Florida car insurance covers windshield replacement without a deductible.
Compare The Best Insurance Quotes In The Country
Compare quotes from the top insurance companies and save!
Secured with SHA-256 Encryption
Chris Abrams
Licensed Insurance Agent
Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chris works tireles...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.