Does auto insurance cover a windshield replacement?
You can use your car insurance policy for a windshield replacement, but you'll need collision and comprehensive insurance. Collision coverage pays for a damaged windshield regardless of fault in an accident. Meanwhile, comprehensive coverage pays for a windshield replacement if it breaks in an incident that doesn't involve a collision. Comprehensive insurance costs about $13 per month, but your rates may vary. Shop around and compare to secure the best rates.
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
UPDATED: Feb 18, 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 provider and cannot guarantee quotes from any single provider.
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 on this page 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: Feb 18, 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 provider and cannot guarantee quotes from any single provider.
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 on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- 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.
Read more: What does car insurance cover?
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
| States | Average Monthly Comprehensive Rates |
|---|---|
| *Industry Average | $157 |
| Alabama | $135 |
| Alaska | $93 |
| Arizona | $139 |
| Arkansas | $108 |
| California | $172 |
| Colorado | $168 |
| Connecticut | $149 |
| Delaware | $148 |
| District of Columbia | $155 |
| Florida | $164 |
| Georgia | $165 |
| Hawaii | $99 |
| Idaho | $78 |
| Illinois | $93 |
| Indiana | $105 |
| Iowa | $105 |
| Kansas | $147 |
| Kentucky | $170 |
| Louisiana | $227 |
| Maine | $86 |
| Maryland | $172 |
| Massachusetts | $102 |
| Michigan | $192 |
| Minnesota | $99 |
| Mississippi | $158 |
| Missouri | $138 |
| Montana | $167 |
| Nebraska | $139 |
| Nevada | $134 |
| New Hampshire | $106 |
| New Jersey | $146 |
| New Mexico | $140 |
| New York | $193 |
| North Carolina | $110 |
| North Dakota | $143 |
| Ohio | $92 |
| Oklahoma | $121 |
| Oregon | $154 |
| Pennsylvania | $128 |
| Rhode Island | $229 |
| South Carolina | $112 |
| South Dakota | $137 |
| Tennessee | $103 |
| Texas | $152 |
| Utah | $138 |
| Vermont | $92 |
| Virginia | $109 |
| Washington | $123 |
| West Virginia | $116 |
| Wisconsin | $106 |
| Wyoming | $146 |
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
| Companies | Monthly 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 |
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.
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.
Enter your ZIP code below to view companies that have cheap insurance rates.
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
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.