Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Sep 15, 2020

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Here's what you need to know...

  • Insurers will pay for glass breakage under optional comprehensive physical damage coverage
  • If you do carry comprehensive, the glass claim will be subject to the listed deductible
  • Some companies will waive the deductible when filing claims for a chipped windshield

Windshield repairs and replacements are the most common car repairs that are performed today. How much does it cost to fix a broken car window?

Since a single windshield can cost anywhere from $185 to $1,000, depending on the model of the car, it begs the question: Is a broken car window covered by my insurance?

Broken windshield car insurance is typically included in comprehensive car insurance coverage, and in some states, broken windshield car insurance is covered by all policies at no additional costs.

Unfortunately, not all car insurance policies provide coverage for a broken window or windshield. In this guide, we’re going to discuss whether a broken windshield is covered by the type of car insurance policy you have.

You can start comparing car insurance rates with glass coverage included right now by using our FREE tool above.

Table of Contents

Broken Windshield Car Insurance Coverage

Will my car insurance cover a broken window? Rates and laws for windshield car insurance coverage vary widely from state to state. Your rates could be as low as an extra $14/mo or over $200/mo.

  • Windshield car insurance depends on where you live in the United States
  • Windshield coverage also depends on how much your car is worth to you
  • There are many factors to consider before purchasing windshield coverage

The following answers to typical questions related to this topic will help you make an informed and financially wise decision.

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What Comprehensive Car Insurance Covers

If you don’t have comprehensive insurance, you should consider getting it. What is comprehensive car insurance? Comprehensive is the form of physical damage coverage that pays to repair your vehicle, up to its fair market value, after virtually any incident that doesn’t involve another car.

Search the table for your state to see how much you can expect to pay for comprehensive coverage:

Average Annual Comprehensive Car Insurance Coverage Insurance Rates by State

StatesAverage Annual
Comprehensive Coverage Rates
Oregon$96.94
California$99.73
Hawaii$103.02
Maine$105.29
Washington$108.87
Utah$113.49
New Hampshire$114.86
Nevada$116.39
Idaho$122.90
Florida$123.10
Ohio$124.30
Indiana$126.48
Delaware$128.01
New Jersey$131.04
Connecticut$131.25
Illinois$131.89
Vermont$134.78
Rhode Island$135.57
Alaska$138.67
Massachusetts$139.30
Virginia$142.30
Wisconsin$143.62
North Carolina$145.12
Kentucky$147.32
Tennessee$153.22
United States$153.32
Pennsylvania$155.47
Maryland$158.50
Michigan$158.69
Alabama$163.16
Georgia$164.71
New York$178.10
New Mexico$178.38
Minnesota$188.95
Missouri$189.68
South Carolina$190.67
Arizona$191.86
Iowa$193.99
Colorado$194.65
Arkansas$196.58
West Virginia$208.95
Texas$215.84
Mississippi$220.01
Louisiana$222.45
D.C.$228.59
North Dakota$228.79
Montana$232.81
Oklahoma$233.14
Nebraska$234.45
Kansas$246.23
Wyoming$263.98
South Dakota$277.34
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Take a look at the video below from Allstate, which breaks down some key facts about comprehensive coverage.

Comprehensive insurance covers damage from just about everything aside from a collision with another car. Some of the perils that are covered under a comprehensive auto insurance policy include:

  • Fire
  • Theft
  • Falling objects
  • Explosion
  • Collision with live animal
  • Animal damage
  • Flood
  • Vandalism
  • Glass breakage

You never know when disaster might strike. This is why it’s important to have an auto insurance policy that covers windshield repair and replacement.

What should you do if your car’s windshield is damaged?

If you have coverage for your windshield and that windshield is damaged, the first step is always to call your car insurance provider.

If the damage is covered by the insurance policy, most car insurance providers can arrange quick service, including same-day service.

Not all windshield damage means the entire windshield needs to be replaced. In most cases, small chips and cracks can be repaired quickly without replacing the entire windshield.

If these small cracks are left for a long period of time without being repaired, they will eventually become large cracks. After a windshield crack exceeds six inches, the entire windshield will need to be replaced, which is much more costly than a simple repair.

How do I get windshield car insurance?

In all states, the option to having your windshields covered is available. The state you dwell in will determine the price, amount, and coverage you can or will want to get.

What you need to understand is that you have to purchase comprehensive insurance coverage, no matter in which state you reside, in order to have any sort of windshield protection.

Without comprehensive coverage if you crack are break a windshield the money will come directly from your pocket.

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Will I have windshield protection if I only purchase liability car insurance?

The majority of states only require that a driver have some fixed amount of liability protection in the case of a traffic accident to pay for injuries to property or individuals.

Having a damaged windshield unfortunately will not fall under that type of coverage.

You need to make sure you have comprehensive coverage on your vehicle and then ask your agent on how you go about getting additional windshield protection.

How much windshield protection will I have if I purchase a comprehensive car insurance plan?

This depends on the the type of deductible you want many times. Windshield protection will fall under comprehensive covers. Comprehensive and collision insurance are not the same thing.

Comprehensive coverage is used for situations, other than collisions, when you car is damaged.

For example, you would be covered if your car is vandalized, stolen, in a flood, fire, or due to hitting a deer or other animal.

The amount of your deductible will determine how much coverage you have. The higher the deductible, the more affordable the insurance, but also the more out of pocket you will need to pay in the case there is damage to your vehicle.

If your deductible is $1,000, and fixing your windshield costs $250, then you will need to pay for that entire repair out of your pocket; thus, you most likely want to make a claim because your insurance rates possibly could go up.

Also, some states offer free windshield replacement by law as long as you have the required comprehensive coverage. Others require you to purchase additional windshield protection if you don’t want to have to go out of pocket ever for windshield repair or replacement.

Is it true that windshield car insurance coverage is free?

What people are saying when they boast to having “free” windshield protection is that either they reside in the states that do provide free window replacement as long as they have purchased comprehensive coverage for their car.

The states that replace windshields for free with full glass coverage are:

  • Florida
  • Kentucky
  • Massachusetts
  • South Carolina

In numerous areas around the country a cracked windshield becomes what is known as a no-fault insurance claim and will not cause your rates to go up, and the deductible for this situation will be waived most times than not.

Moreover, some states have a zero deductible in terms of windshield or glass repair. But remember you need to purchase some amount of comprehensive coverage in order for these benefits to be realized.

In some states, if the only part of the car that needs to be fixed is broken glass then you may have only a $0 to $250 deductible to worry about.

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What’s the difference between full glass coverage and repair coverage?

In most comprehensive coverage plans, you are covered for repairs made to your windshield. Meaning that if you don’t need to replace the entire window then you are covered.

If you want to make sure you have full glass coverage for your vehicle, which will cover both repairs and replacement, then you will want to invest in full glass coverage.

Usually if the crack is less than the size of a quarter than a repair can most likely be done to the window and no replacement is needed.

As long as you are not exchanging our one window or glass plate for another, you are repairing the scratch, chip, or crack to your window.

Will I have to pay a car insurance deductible for windshield repairs?

If your windshield alone was damaged, then most likely you will have a very low or zero deductible for this repair, depending upon the coverage you have.

If your car has other damages along with the windshield then that will fall under your collision insurance coverage and a deductible will most likely come into play before determining your out-of-pocket expenses.

Whether or not you think windshield coverage is the correct option for your current situation, you need to compare the car insurance quotes of the U.S.’s top providers by typing in your ZIP code below!

How much will my car insurance deductible be?

When you get comprehensive coverage, you’ll have a deductible. How do auto insurance deductibles work? The deductible is the amount you’ll pay for damages before your insurance kicks in and pays for the rest. You’ll choose your deductible before you sign the contract for your policy. If you decide to get a low deductible, you’ll pay a higher premium.

Check out the below, which provides a quick primer on deductibles.

If you pay a higher deductible, you’ll pay a lower premium, but obviously you may end up paying more for repairs in the event that something happens to your vehicle. Your deductible can be anywhere from $50 all the way to $1,000. Consider all of your options and what you feel comfortable paying in premiums when you’re choosing your deductible.

What is physical damage car insurance coverage?

Virtually every state in the U.S. has some type of auto insurance requirement.

State minimum requirements generally stipulate that you must carry third-party liability coverage to pay for damages you cause; no state legally requires a driver to protect their own car.

Physical damage coverage consists of comprehensive and collision coverages. These coverages pay for damages you might incur from a variety of different perils. Let’s take a quick look at how they work.

What is the difference between comprehensive and collision insurance?

Although both coverages help you pay for repairs for your car, they’re not interchangeable. Comprehensive insurance covers accidents that are outside of your control, like the perils listed above. Collision insurance covers damage to your vehicle resulting from a collision with another vehicle.

Below is Allstate’s video explaining collision coverage.

Accidents happen. It’s highly recommended that you get both collision and comprehensive coverage on your auto insurance policy.

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What are the windshield laws?

Each state determines its own laws pertaining to windshields, but there are also federal laws that apply to every state. The U.S. Department of Transportation requires that drivers have a clear view of the road.

Federal regulations allow cracks that are smaller than 3/4 of an inch.

Cracks cannot be close together and they cannot be directly in front of the driver’s vision. Again, every state is different, so make sure to check your local laws as well.

How does glass breakage car insurance coverage work?

There’s a long list of incidents that could cause a broken window or a cracked windshield — anything from vandalism to a tree branch falling on your car can lead to hundreds of dollars in auto glass bills for materials and labor.

As long as the damage was not caused by a collision with a vehicle or other object, the claim for glass damage from a broken car window can be covered by insurance and filed under comprehensive coverage.

How much does it cost to replace a windshield?

Getting a new windshield doesn’t have to be expensive. The price of a windshield starts at around $200, but depending on the type of car you have, a windshield replacement could be a lot more.

If your car is older, getting your windshield replaced shouldn’t be too expensive. You’ll have to consider whether you want aftermarket parts or original equipment manufacturer (OEM) parts. An aftermarket windshield will likely cost a lot less than OEM.

Will my glass replacement be free with my car insurance?

So, does State Farm cover broken car windows? Just like Allstate, Travelers, and other car insurers, it comes down to what coverage you have and how much your deductible is.

The cost of your windshield replacement will depend on your insurance and the laws on the books in your state.

If you live in a state without a windshield replacement law, you may not be able to get a free replacement. You’ll also need to have comprehensive coverage to get a free windshield replacement.

Some car insurance companies will waive the deductible for windshield repairs. This is not mandated by state insurance laws.

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Consider Your Car Insurance Deductible Before Filing

Should I repair my windshield with insurance or fix it myself? Will my insurance cover windshield replacement? Before you assume that your policy will pay for the damage, check your policy’s declarations page to see what deductible you carry on your comprehensive coverage.

The deductible listed under your physical damage coverage options is the amount that you are responsible for.

Should I use insurance to replace a windshield? If you find that you carry a $500 deductible and the windshield costs $400 to replace, filing a broken car window insurance claim is pointless.

How to File a Glass Claim with Car Insurance

If you’re wondering, “How do I file a car insurance claim?” — don’t worry. Doing so can be quick and easy. There are several ways that you can file an insurance claim.

You can call your insurer directly to file your claim for glass breakage or visit an auto glass shop first for pricing and to discuss the claims process. Some companies will even take claims online or in person.

Have the Glass Shop File a Car Insurance Claim for You

If you visit a larger auto glass company that is affiliated with your insurance carrier, it’s possible that they will verify coverage for you and file your claim so that the payment is sent directly to the shop.

This can make things simpler for you and you won’t have to pay the glass company and wait to be reimbursed by your insurer (except for the cost of your deductible).

File a Car Insurance Claim for Glass Repair Reimbursement

If you’ve already visited a glass company to have repairs done, you still have the option to file a claim. Filing a claim for a cracked windshield should not raise your insurance premium.

You can submit the invoice that shows the repairs performed and the vehicle the repairs were performed on and the company will cut you a check for reimbursement, minus your deductible. Check out the video below from Safelite AutoGlass about the cost of getting your windshield repaired.

Make sure that your insurance covers windshield replacement and that the replacement or repair cost is not lower than your deductible.

Should I repair or replace my windshield?

You might be wondering if you should repair or replace your windshield. If you have very small chips or cracks, your windshield can be repaired. If the crack can be covered by a dollar bill, it can be repaired. It’s best to do windshield repairs immediately. Small chips can spread if you don’t repair them immediately. Some insurance companies will pay for the cost of windshield repair.

Sometimes the crack in your windshield is a scratch. It can be hard to tell the difference between a scratch and a crack, but a scratch will not go all the way through the glass. If you have a scratch in your windshield, you won’t need to replace the entire thing; it can be repaired. If you have a larger crack in your windshield, it will need to be replaced.

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Should I use aftermarket or OEM parts?

OEM parts and aftermarket parts are made differently. AutoTraining reports that the difference between OEM and aftermarket parts is just what it sounds like: OEM parts (or Original Equipment Manufacturer) are parts that were originally created for the vehicle. “Aftermarket” refers to any other type of part that wasn’t created by the vehicle’s original manufacturer.

Certain aftermarket parts don’t have the same thickness, tolerance, or shape as OEM parts. This can lead to leakage, wind noise, optical distortion, and other problems. Many states allow aftermarket parts legally, but that doesn’t mean you have to use them.

Many drivers feel more comfortable going with OEM parts because they know they’ll be getting a high-quality product that’s suited to their particular vehicle.

Can my car dealer replace or repair my windshield?

Car dealerships can do more than sell you a car and change your oil from time to time. You can get your windshield replaced at your dealership also. If you get your windshield replaced by a car dealership, they will use OEM parts. Even though a dealership can replace your windshield, you’d be better off getting the replacement from a car glass specialist.

Since car dealerships will use OEM parts, you would pay more for your replacement there than you would if you took your car to a glass specialist.

It generally costs about $50 to repair one chip. Additional chips will cost $10–$15 each. It will be more expensive to fix a crack — anywhere from $350 to more than $1,000 if OEM parts are used.

Can I fix a windshield crack myself?

A crack in your windshield should be fixed by a professional. This will ensure that your windshield is applied properly to your car. You should talk to a car glass specialist to see if you have a scratch or a crack in your windshield.

If you have a scratch on your windshield, then you can repair it yourself. You can use your fingernail to determine the depth of the scratch. Light scratches on your windshield can be polished away with a polishing kit.

How long does a windshield replacement take?

A windshield replacement doesn’t take a lot of time — about an hour or less. A simple repair can be done in under 30 minutes. Some companies will even come to you to fix or replace your windshield. Take a look at the video below from Safelite AutoGlass about windshield repair.

It’s recommended that you don’t drive your car immediately after a windshield repair or replacement.

Do glass claims raise car insurance rates?

Comprehensive claims are considered non-fault claims. Since the policyholder is not at fault, their rates are not affected when a glass claim is filed. Even though this is the case, if you file multiple comprehensive claims throughout the year, your insurer may cancel your coverage.

Should I switch car insurance companies?

If you filed a window claim and you weren’t happy with how it was handled, it’s time to start shopping around. There are hundreds of car insurance companies in the United States; consider using an auto rate comparison tool to find the best rates available to you.

You can check out the financial ratings of a potential insurer by checking with A.M. Best. If you want to look into how a company stacks up against its competition, consult J.D. Power.

Compare more than two insurance companies before making a decision.

If you do cancel your car insurance policy, make sure to get another one quickly. You don’t want to be caught without car insurance.

If your windshield is cracked, you can file an insurance claim if you have comprehensive coverage. You will have to decide if you want to use aftermarket or OEM parts. Be sure that you get repairs done quickly. In some states, there are laws against driving with a cracked windshield.

You can start comparing car insurance rates with glass coverage right now by entering your ZIP code in our FREE tool below.

What is the history of the windshield?

It is hard to imagine cars without windshields today, but in the early years, the majority of cars did not have them.

A windshield was considered a luxury feature and was sold separately. The majority of drivers simply wore driving goggles to keep dust and debris out of their eyes.

At that time, cars not only did not have windshields, they also had no roofs or side windows.

Like the windshield, a top and side curtain could be purchased and installed separately, but the top only covered the driver’s side and the car was still completely open to the elements.

Within a little over a decade of cars being invented, they started being built with glass all around as a way to keep the passengers safe and dry.

This change made driving more commonplace and an enjoyable pastime, instead of just a method to get from one place to another.

Since more glass was being used in the production of these cars, changes were made to the way the glass industry manufactured the glass. This made it more efficient and much quicker to keep up with the demand.

The advancements to windshields continued in 1927 with the invention of safety glass. Up until that point, windshields were made out of regular glass that would shatter in an accident, often causing the driver more injury than the accident itself. Safety glass was a car safety breakthrough.

By introducing a film between two layers of glass, the windshield could break but the glass would not shatter. While the middle layer has been improved upon over the years, the basic concept is still the same today.

Since the late 1960’s, all cars in the United States have been made with this type of laminated safety glass.

Perfecting curved glass for windshields and windows has allowed for the advancement of car design. Solar glass, which absorbs heat from the sun, has caused car interiors not to be quite as hot in the summer months.

For more on the history of auto safety glass, you can search online.

Is a cracked windshield covered under car insurance?

  • Liability coverage will not help you with your cracked windshield
  • Comprehensive insurance will typically cover cracked windshields
  • Car insurance companies will often cover the repairs to windshields if a full replacement is not necessary
  • You should check with your insurance company to review your deductible to see if filing a claim for a damaged windshield is worth it for you

At the first sign of a cracked windshield, you’re likely to ask yourself whether or not your car insurance will cover it.

If they will, you can simply call the mobile windshield replacement company and you’ll be good to go before you leave work. If they won’t, you’ll need to shop around a bit to make sure you get the best deal on a replacement.

Compare car insurance rates from providers in your area by entering your ZIP code now!

Coverage for a cracked windshield is considered optional by just about every car insurance provider. What you get with a basic insurance policy is simply the minimum amounts of liability coverage required by your state.

Typically this includes property damage, bodily injury, and uninsured driver coverage.

Anything above and beyond those minimum requirements, such as coverage for collisions or fire and theft, are extras that will add to the cost of your policy.

  • Having a broken windshield is more than just an expensive inconvenience; it is also dangerous and illegal to drive a car that way
  • The reason why your windshield breaks and who was at fault in an accident can determine if your insurance will cover the cost to repair or replace it
  • Non-collision insurance such as comprehensive insurance will often cover the cost of a broken windshield if it broke due to weather, vandalism, or an animal
  • Always check with your insurance provider to find out if they will reimburse you for the repair or replacement of a broken windshield

Depending on the reason your windshield is broken and the type of insurance you have, your car insurance may reimburse you for your expense.

However, depending on the extent of repair needed, the benefit of your car insurance may not justify the cost of the applicable deductible.

Broken Windshield Caused by an Accident

Many windshields are broken in a collision type car accident between one or more vehicles. Either the car gets hit from the front or bumped into something else from the back. If the crash is hard enough, the windshield will break.

Depending on who was at fault for the accident, your car insurance may reimburse you for the repair of or the replacement of the windshield.

When it comes to car insurance coverage, liability insurance does not cover any of your property. Rather it protects the property of other people in the event you are at fault for an accident.

Therefore, if you have liability insurance as the state requires, then your car insurance will pay to replace someone else’s windshield if you are the reason it was broken.

If your windshield is broken in the same accident, you will most likely not receive any insurance benefit unless you also have collision car insurance.

Collision car insurance pays you for your own property damage when you are at fault for an accident.

Of course, if your windshield is broken because someone else hit your car, then their liability insurance will pay for your damages. If the person that hits you does not have liability insurance, then you may get reimbursed by your insurance company through collision insurance if you have it.

You are also covered by your insurance if you carry uninsured or underinsured motorist coverage. Uninsured motorist coverage and underinsured motorist coverage help to offset any expenses that exceed the insurance coverage of the other driver who is found at fault.

Many people only purchase the minimum insurance limits required by state law and therefore often do not have enough insurance to pay for actual damages caused by a car accident.

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Broken Windshield Caused by Non-Collision

Not all windshields break in a car accident. Many windshields are damaged by non-accident related (or non-collision related) expenses. Sometimes vandals break windshields for fun as they drive up and down the street.

Other times a common stone or rock on the highway dings or chips a windshield and then slowly spreads into a hairline crack, risking an even greater split or possibly a shatter in the future.

Small chips in the windshield can grow quite rapidly, so they should be fixed right away.

Since the windshield usually does not have to be replaced to repair a small chip, dent, or crack, the cost of the repair is relatively nominal. In these cases, insurance usually does not even charge a deductible if you have coverage for the windshield repair.

Usually car insurance will cover these types of non-collision repair under comprehensive insurance. Comprehensive insurance is insurance that pays for damages to your car that is sustained from any non-collision related event.

Covered events could include anything from broken windshields from running into a deer on the road to chipped windows from a stone getting kicked up by a truck in front of you on the highway.

No matter the reason for the cracked car windshield, make sure you have the proper car insurance to cover it!

The Dangers of Chips and Cracks in Your Windshield

Windshields provide multiple functions for your safety in the car. In addition to providing you with a shield from the wind, it also keeps bugs or other flying debris out of your eyes and face as you are driving.

Furthermore, windshields allow you to drive safer during a rainstorm, snowstorm, or other harsh weather.

Therefore, having a broken windshield makes driving more dangerous. Many states have laws that prohibit you from driving with a cracked or broken windshield for these very reasons.

Cracked windshields are just as hazardous because they can easily spread and turn into a broken windshield or even shatter in on you or onto the street as you are driving.

Chipped windshields aren’t usually very obvious, and you are probably not breaking the law in most states if you are driving around that way.

However, as mentioned earlier, chipped windshields do lead to further windshield damage and only become more difficult to manage and more expensive to repair. Correcting chipped windshields early on can save you money and grief later on.

Since most car insurance companies waive your deductible when it comes to covering a broken windshield, the cost to repair or replace it can very likely be covered in full by your car insurance policy.

Ultimately it depends on what incident causes the damage to your windshield and if you have liability, collision, or comprehensive coverage, but it is certainly worth finding out what type of coverage you have.

Repairing a small chip or crack is much easier and less risky than having a completely broken windshield. Make sure your car insurance includes windshield damage coverage. Cracked windshield insurance can save you tons of money in the long run!

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How does glass car insurance coverage work?

How glass coverage is applied depends on how your individual car policy is written. Some car insurance providers offer separate glass coverage that will cover replacement for any reason whatsoever. Such coverage is generally affordable, costing no more than $50 or $60 annually.

Other policies may charge less for glass coverage but will have certain restrictions in place. Finally, glass coverage may be rolled into the collision portion of your policy.

If you desire full glass coverage with no questions asked, your best bet is to include a separate glass rider that covers not only the windshield but all of the glass in your car.

These separate riders will generally cover the full cost of windshield replacement at least once annually.

For a slight extra charge, it’s possible to get unlimited coverage as well. The nice thing about a separate rider is that your insurance company doesn’t care why the glass needs to be replaced. If you have a crack, they will cover it.

What type of car insurance coverage normally covers cracked windshields?

The type of coverage that a cracked windshield would fall under is comprehensive insurance, which is the type of coverage that covers damage caused by things other than an accident. To see if you have comprehensive coverage, check your policy or ask your insurance agent.

If you do have comprehensive coverage on your policy, you are generally covered for windshield cracks. Before deciding to use it, however, check to see what your deductible is.

Will my glass car insurance cover repairs on chipped windshields?

Sometimes a windshield will suffer a chip or a small crack that doesn’t extend through the glass. Modern technology has made it possible to repair minor damage using high heat and pressure.

Such repairs are usually guaranteed for the life of the windshield, making them a more attractive option than replacing the glass altogether.

While most insurance companies did not cover such repairs when the technology first came out, now that it has been proven to be safe and effective, those insurance companies have changed to cover those repairs.

In fact, we might be seeing a change in the attitude of car insurance providers to the extent that they would now prefer a repair whenever possible as long as the repair is safe and effective and it costs less than full replacement. Less cost is always good for your insurance company.

If a provider is not convinced of the safety of such a repair on your windshield, it may not be covered. The last thing your insurance company wants is a lawsuit if a repair fails and someone is injured.

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What if I don’t have any glass car insurance coverage?

Unfortunately, if you carry no glass coverage on your car insurance policy you’re out of luck.

You then have no option other than to replace or repair your windshield out-of-pocket. If you decide replacement is going to be necessary there are two options:

  1. Installing a brand-new windshield from the factory.
  2. Getting a used windshield from a local junkyard. Salvage windshields are significantly less expensive and most repair shops are willing to install them for you.

The only downside to replacing your windshield with something from the salvage yard is the fact that the used windshield will seldom come with any sort of guarantee.

So while you may only pay $40 or $50 for the glass, there’s no guarantee that it hasn’t been weakened or damaged, or that it will survive the first stone that gets kicked up by the dump truck in front of you.

Salvage windshields usually don’t cause a problem, but you are taking a risk nonetheless.

In most states, glass coverage is fairly inexpensive. For the amount of money you pay in comparison to the rest of your insurance policy, it’s something that every driver really should have.

You never know when a windshield will be cracked or chipped, and having glass coverage in place can save you from having to spend valuable cash at a time when you don’t have it.

Should I file a windshield car insurance claim if I have a high deductible?

Once you find out what your deductible is, get an estimate quote from the company who will fix or replace your windshield. If the amount to take care of your windshield is less than your deductible, then you definitely want to pay for it out of your own pocket.

If your deductible is less than the cost of the windshield, you still may want to not use your insurance to cover the damage.

For example, if your deductible is $250 and the cost to replace your windshield is $275, you will be paying $250 out of your pocket and the insurance company only has to pay $25. This may not be worth it.

Will my car insurance insurance from a windshield claim?

No matter what the cause of the claim is, insurance companies will usually use any claim filed as a reason to increase your insurance rates. This includes using your comprehensive insurance coverage to pay for a cracked windshield.

Because of this, unless your deductible is fairly low and the cost to fix your windshield is high, it is often a better decision to just pay for the windshield with your money and not use the insurance company, in order to prevent your premiums from increasing.

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Having Windshield Repair Car Insurance Can Save You Money

Getting windshield repair insurance is a good idea. The cost to replace a windshield can be as much as $1,000, while windshield insurance rates can cost just $24 a year.

  • You need a windshield to drive, so carrying windshield replacement insurance can be a good idea
  • It’s better to repair a chip or small crack before it grows and requires replacement
  • Compare several insurance companies to see which can offer you windshield insurance at the best rate
  • Replacing a windshield can cost as much as $500, while coverage can cost just $24 a year.

If you have ever had to replace a windshield on your vehicle, then you understand the benefits of car insurance for windshield repair.

Your windshield is one of those things that it isn’t safe to drive your vehicle without, so when it is broken, you want to ensure that you have windshield repair car insurance.

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There are two types of problems that you can encounter with your windshield: a crack or a break. Some car insurance companies cover both, while others only cover one or the other (or neither) under a standard policy.

Understanding what your car insurance covers may end up saving you hundreds of dollars if you face a windshield situation.

Is it worth using car insurance for windshield replacement?

There are three ways that windshield repair car insurance can work:

  1. First of all, you could have insurance that replaces your windshield for free or pays for the repairs for a chipped or cracked windshield. Typically this insurance will not require you to pay a deductible in order to get this coverage.
  2. Another type of windshield repair car insurance will repair a chipped or broken windshield without a deductible and replace a broken windshield after you pay a deductible, or they don’t cover the cost of a replacement at all. The reason for this method is to encourage owners to have their windshield repaired so it does not need to be replaced.
  3. Lastly, you may not have windshield repair car insurance at all. In this case, you will have to pay for the entire repair or replacement for yourself. The cost to replace a windshield can vary from $175 to $500 depending on the type of vehicle you own and if the company has to do anything special to during the replacement.

The cost of windshield repair car insurance is about $2 a month.

Usually, when you have windshield repair car insurance, you are required to take your vehicle to a repair shop that is approved by your insurance company.

Although this may seem like a hassle, there is a big benefit to you because these windshield repair or replacement companies will bill the insurance companies directly, which means you won’t have to file for a reimbursement for the costs.

There are some states that mandate that every insurance company cover the cost of the repair or replacement of your windshield as part of your insurance policy. These states are Florida, Kentucky, Massachusetts, and South Carolina.

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Do you have to pay a car insurance deductible for a cracked windshield?

The biggest benefit of windshield repair car insurance is the fact that, in most cases, you aren’t going to have to pay any money out of pocket to replace your windshield.

Even if you do have a deductible, you will save money on the cost of replacing your windshield.

Where this insurance really isn’t beneficial is when it comes to repairing a crack or a chip in your windshield. It only costs about $20 to have your windshield repaired.

Of course, the worse the crack the more expensive it will be to repair, but  Windshield Repair notes that it is unusual to have a repair cost more than $50. This is the cost per chip, however, so if you have a lot of chips this can add up very quickly.

With the cost insurance averaging about $24 a year, for most people windshield repair car insurance is a valuable asset.

Where to Buy Windshield Repair Car Insurance

Windshield repair car insurance can’t be purchased on its own; you have to purchase it with your car insurance policy.

Many car insurance companies include this coverage as part of your comprehensive insurance package while others sell it as an additional purchase. You will find that the majority of insurance companies offer this option in one form or another.

When you buy car insurance, you need to consider all of the possible things that can go wrong with your vehicle. You will have to consider how comprehensive your policy can be while still falling in your price range.

One of the easiest ways to manage this is to use a free quote tool to get quotes from multiple companies. Not only will you get a clear picture of what everything will cost, but you will also be able to manipulate the data to see what it will cost you by adding more or taking things away.

Frequently Asked Questions: Is a broken car window covered by my insurance?

Below are some questions often asked by victims of broken car windows.

#1 – Someone broke my car window. What should I do?

Someone broke my car window, will insurance cover it? 

What do you do if someone breaks into your car? If my car was vandalized, will insurance cover it? If someone breaks your car window, that’s a bad day. But you can do some things to make sure you don’t end up paying for it.

  • Document the damage — take photos and try to find witnesses
  • Report it to the police and document valuables that may have been stolen
  • If your phone and credit cards were stolen from the vehicle, deactivate your phone and cancel your cards
  • File a claim with your insurer
  • Get a car window replacement

You can temporarily cover it if your insurance will be covering the cost.

#2 – How do you temporarily cover a broken car window?

While you’re waiting on your car’s window to get fixed, you’ll probably still need to drive around some. So, what can you do for a temporary fix?

  • Carefully remove the broken glass that you can (use gloves to protect your hands)
  • Use a damp cloth to remove all dust and debris from all surfaces around the window
  • Carefully position and secure the plastic using masking tape, careful not to leave slack in the plastic
  • Use extra tape to seal the window.
  • If the temporary covering will need to hold for several days, consider using a second piece of plastic over the first one for extra protection from the elements.

This should last for a few days, but make sure to get it fixed as soon as you can.

#3 – Does insurance cover cracked windshields?

Some states require that your comprehensive coverage includes windshield insurance that offers free window replacement. But you also may need to pay a deductible. If you only have liability coverage, you’ll be coming out of pocket regardless.

Federal Regulation §393.60 requires that there is no damage to your windshield in the area above the steering wheel, as your vision can be obstructed.

The only exceptions are for minor cracks that do not cross any other crack, and it’s also true for damaged areas that are no more than 3/4″ in diameter, less than three inches from a similarly damaged spot. Growing cracks need to be taken care of ASAP.

That means you’ll have to fix it regardless or risk getting a citation.

#4 – Does homeowners insurance cover broken windows?

Some policies cover accidental damage to your windows, such as hail damage. You should check with your specific policy to see if a deductible applies.

#5 – Should I call the cops if someone broke into my car?

What do you do when your car window is broken into?

You should call the police so that they can file a report. Your car insurance company may require it before they pay out a claim.

#6 – Does gap insurance cover broken windows?

Gap insurance will help cover damages to your vehicle if it’s damaged and the cost to repair it is more than your car insurance company thinks your vehicle is worth.

While gap insurance may step in to make repairs

#7 – Is a broken windshield covered under comprehensive car insurance?

Comprehensive insurance, which is part of full coverage, covers broken windshields. Depending on your state, it might be replaced with no deductible. But, it does vary and it’s best to check with your insurer.

#8 – Is a new windshield covered by insurance?

If you have full coverage, your windshield is probably covered. Some states have no-deductible windshield replacement, but it isn’t every state. You’ll need to check with your insurance company.

#9 – Does most car insurance cover a cracked windshield?

If you have liability-only coverage, your insurer won’t cover damages to your windshield. But if you have full coverage, then it likey will. Some states have no-deductible replacement, but not all.

If you have a very small ding or crack, it might be better to fix it yourself with a windshield repair kit. But, if the damage is too big and the windshield needs to be replaced, comprehensive coverage should help cover it.

Now that you know more about if a broken car window is covered by your insurance, enter your ZIP code now and start comparing car insurance quotes online that include glass coverage.