Does auto insurance cover a windshield replacement?
I started Insurance Blog by Chris™ because I have a passion for insurance. Here at the blog, our job is to educate and inform people about the best insurance for them.
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Written by
Chris Huntley
Founder of Huntley Wealth & Insurance Services
Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states.
After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insu…
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Reviewed by
Rachael Brennan
Licensed Insurance Agent
UPDATED: Mar 22, 2022
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Here’s the Scoop
Liability, collision, and comprehensive coverage can cover the cost of a windshield replacement
Some states have a $0 deductible for replacing a windshield
The best insurance companies provide coverage for a windshield
Do you need to replace your windshield? The best car insurance companies provide coverage for a broken windshield.
So how do they cover windshield replacement? Do you need extra coverage? Don’t worry – we’re here to answer your questions about windshield replacement.
Read our article to learn how auto insurance companies cover windshield replacement costs and whether you’ll have a deductible.
Does car insurance cover replacing a windshield?
Yes, it does. However, your windshield may not include coverage for specific situations. Insurance companies could help you replace a windshield when you have comprehensive coverage.
There’s usually a deductible before a windshield insurance claim gets paid to you or the windshield replacement company. Your car insurance company may not cover windshield replacement if you don’t have comprehensive coverage.
Why should I use insurance to replace windshields?
If you use your insurance company to pay for a windshield replacement, you can save hundreds of dollars. However, if your deductible is more expensive than the replacement windshield cost, it’s best not to file a claim for replacing a windshield.
Does GEICO cover windshield replacement?
Yes, it does. GEICO’s comprehensive insurance coverage includes windshield replacement, for which you can file a claim online or over the phone.
How do you get State Farm windshield coverage?
You can get State Farm windshield insurance through the company’s comprehensive insurance coverage, but you must pay the deductible before State Farm pays out any claims.
Does Progressive windshield coverage have a deductible?
Yes, it does. Progressive windshield replacement has a deductible, but it won’t issue one for windshield repair.
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Which car insurance coverages pay for windshield replacement?
Comprehensive insurance isn’t the only coverage that pays for windshield replacement. Insurance companies can cover your windshield replacement cost through coverages like liability and collision. But how are they covered?
Check out this list to learn more:
Liability insurance. An at-fault driver’s liability coverage pays for the damage to your windshield and other vehicle damage.
Collision insurance. Your insurance company pays for damage to your car regardless of fault in a car accident.
Uninsured motorist coverage. If an uninsured driver damages your windshield, your insurance company covers the windshield replacement cost.
Underinsured motorist coverage. Your insurance company covers windshield replacement costs when an at-fault driver doesn’t have enough on their insurance limits to pay for your broken windshield.
Liability insurance is the only coverage that doesn’t require you to pay a deductible since the at-fault driver’s insurance company would be responsible for covering your windshield replacement.
Does insurance cover windshield replacement when you’re at fault in an accident?
If you’re at fault in an accident, your liability insurance won’t cover the cost of windshield replacement. You’ll need collision insurance to cover a broken windshield if you’re at fault in a car accident.
How much is comprehensive car insurance per month?
On average, comprehensive auto insurance costs $13 a month, but rates vary by state.
Let’s examine the average cost of comprehensive coverage for each state.
Average Monthly Comprehensive Car Insurance Rates by State
StatesAverage 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
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Although the comprehensive insurance rates are different across the United States, the average monthly rates don’t exceed $30 per month. However, your rates could be higher when you get a quote from an insurance company.
How much is comprehensive insurance at the best companies?
According to the National Association of Insurance Commissioners, comprehensive car insurance consists of about 14% of full coverage. Using the association’s calculation, we found the estimated comprehensive insurance rates per month at the best companies in America.
Average Monthly Comprehensive Car Insurance Rates by Company
CompaniesMonthly Comprehensive Insurance Rates
Allstate$45
American Family$31
Farmers$40
GEICO$25
Liberty Mutual$56
Nationwide$32
Progressive$40
State Farm$33
Travelers$40
USAA$23
**Average**$36
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These estimated rates will likely be different when you get a quote. Several factors determine comprehensive insurance rates, such as your deductible, where you live, and your vehicle’s make and model year.
Which states don’t require a deductible for a windshield replacement?
Comprehensive insurance requires a deductible for replacing a windshield. However, some state laws don’t require drivers to pay a deductible for a damaged windshield.
The states with a $0 deductible are:
Arizona
Florida
Kentucky
Massachusetts
New York
South Carolina
We recommend examining your insurance policy to see if your car insurance company uses original equipment manufacturer parts. Some insurance companies use aftermarket parts to save money. However, if you prefer parts from the original manufacturer, tell your car insurance company when you file a claim.
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Windshield Replacement: The Bottom Line
Insurance companies can replace your car’s windshield, but you’ll need the right coverage. Your liability insurance won’t cover your damaged windshield. However, the liability coverage from another at-fault driver could.
Drivers should get full coverage insurance, which includes collision and comprehensive coverage. Comprehensive car insurance can pay for incidents that don’t involve a collision, such as a rock cracking your windshield while you’re on the highway.
You should get comprehensive insurance if you wish to have coverage for windshield replacement. Contact your insurance company and get coverage today.
