What states have full glass coverage?

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Here's what you need to know...
  • Learn your state’s laws regarding auto glass coverage
  • Know the right questions to ask your insurance provider
  • Your state’s laws could dictate exactly how much you pay
  • Know your rights in choosing the repair parts and vendor
  • You could live in one of the eight zero deductible states

A rock bounces off a tire on the highway; the neighborhood kids are playing baseball; a thief decides your GPS should be his . . .

Whatever the scenario, broken windows and windshields are extremely common.

Is your windshield glass covered by insurance?

You may think comprehensive coverage covers it, but that’s not always the case.

That’s why Full Glass Coverage can save you big time, and with many providers, this coverage comes with no deductible! The broken glass is fixed and paid for in full without an extra dime out of your pocket.

As you can see, this is definitively an important topic for every car owner. Read on to learn your state laws and glass coverage options.

Three Components of Glass Coverage

Let start by discussing the areas where state laws and coverage options differ. This will help you know what questions you should be asking.

#1 – Replacements

Click here to view the interactive graphic.

The laws vary on what parts can be used to complete the replacement.

  • Are non-OEM (not Original Equipment Manufacturer) parts allowed?
  • Are used parts allowed for the repair?
  • If non-OEM or used parts are allowed, are their regulations on them?
  • Will the insurer choose the replacement parts or can you?

#2 – Repairs

Click here to view the interactive graphic.

State laws can also affect where the repair is done and what you pay.

  • If glass repair is covered by your insurance, do you get to choose the vendor doing the repair?
  • If you choose the repair vendor, will your provider get an estimate and require you to pay the difference?
  • If glass repair is included in your comprehensive coverage, what is the deductible you have to pay?

#3 – Deductibles

Many states have laws dictating what insurance providers can change you for glass repair. Some states require zero deductible glass coverage.

  • Do you live in a zero deductible state for glass repairs?
  • Does your comprehensive coverage provide you with zero deductible glass repair?
  • Does the zero deductible apply to all glass or just windshields?
  • Will you have to pay more upfront for zero deductible glass coverage?

Getting You Answers

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– In Replacements

Over 76 percent of the U.S., 36 states, allow non-OEM or used car parts.

However, 29 of those 36 states have one or more of the following stipulations:

  1. Non-OEM or used parts are allowed with written notice
  2. Parts must be equal in fit, quality, performance, and warranty
  3. Consumers pay the difference if they only want OEM parts

The following nine states have even more specific glass replacement laws:

  • Alabama – Parts must be of like kind and quality and restore the vehicle to its value.
  • Indiana – Consumer has the choice of OEM, aftermarket, or used parts if the vehicle is under five years old.
  • Iowa – Aftermarket parts are only allowed on replacements excluding the windshield.
  • Maryland – Non-OEM parts are allowed unless the consumer purchased a waiver for OEM parts prior to the loss.
  • Massachusetts – You get OEM parts for 2004 and newer vehicles with under 20,000 miles (for 2003 and older, it has to have 15,000 miles or less).
  • Minnesota – Insurers may choose aftermarket parts for windshields and used OEM parts for all other repairs.
  • New Hampshire – Non-OEM parts allowed unless the consumer has a two-year-old vehicle (or newer) with under 30,000 miles and requests OEM parts.
  • Rhode Island – Non-OEM parts allowed unless the car is 30 months old or less, then the consumer must be notified in writing and give consent.
  • West Virginia – For cars younger than three years, insurers must use OEM parts unless consumer waives in writing.

The following 11 states (plus D.C.) have no law specifications for glass replacement:

  • Alaska
  • Colorado
  • Hawaii
  • Montana
  • Nebraska
  • Nevada
  • New Jersey
  • Pennsylvania
  • South Carolina
  • Tennessee
  • Wyoming
  • Washington D.C.

– In Repairs

Just under 50 percent of the U.S., 25 states, give the consumer the right to choose the repair vendor.

But in 12 of those 25 states, the consumer has to pay the difference in price if the insurance provider gets a cheaper estimate.

Here are those 12 states:

  • Connecticut
  • Delaware
  • Georgia
  • Kentucky
  • Maine
  • Maryland
  • Michigan
  • Minnesota
  • Mississippi
  • Nevada
  • Utah
  • Wisconsin

In only four states (Kansas, Missouri, Nebraska, and Oklahoma), the law gives the insurance company full authority to choosing the repair vendor.

Other than that, 22 states have nothing specific written for glass repair laws.

– In Deductibles

Unfortunately, 43 of the 51 states have no law in effect where zero deductibles are mandatory. However, insurance companies in those states may still offer zero deductible glass coverage if they so choose.

In two states the comprehensive deductibles can get pricey:

  • Louisiana’s max comprehensive deductible is $250
  • New Jersey’s standard comprehensive deductible is $750!

Fortunately, for those living in the following eight states, zero deductible coverage is available:

  • Arizona – Insurance companies are required to offer a zero deductible glass repair policy.
  • Connecticut – Insurance companies are required to offer a zero deductible glass repair policy.
  • Florida – The state law waives the deductible for windshields only.
  • Kentucky – The state law waives the deductible for all auto glass.
  • Massachusetts – The coverage options include a zero and $100 deductible.
  • Minnesota – Insurance companies are required to offer a zero deductible glass repair policy.
  • New York – Insurance companies are required to offer a zero deductible glass repair policy.
  • South Carolina – The state law waives the deductible for all auto glass.

Broken Glass is Bad Enough

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After reading this article you might be surprised at how complicated glass coverage can be. There aren’t many straightforward, across the board answers when it comes to car insurance. That’s why we are here to help make some sense of it all for you!

There are helpful resources that provide repair estimates and help you find local shops to fix your vehicle’s broken glass. Just remember depending on your state’s laws, your insurance provider may get to choose the vendor or you may have to pay the difference in price if you pick your own.

The most important thing is that you know your state’s laws and ask the right questions when choosing your provider and policy. You don’t want to be blindsided with out of pocket fees . . . a smashed windshield is stressful enough!

Complete State Laws: Full Coverage by State

– To sort the table by category, click on header columns.

– Click here for the full stats and sources for each category. For all media inquiries, please email: Josh Barnes

STATE REPLACEMENT REPAIR ZERO DEDUCTIBLE WITH COMPREHENSIVE COVERAGE
Alabama Parts must be like kind and quality and restore vehicle to value before loss No specifications in law found. Not a law - Individual insurance companies may offer with comprehensive coverage.
Alaska No specifications in law found. No specifications in law found. Not a law - Individual insurance companies may offer with comprehensive coverage.
Arizona Aftermarket parts allowed with written notice and at least equal in terms of fit, quality, performance, and warranty Consumer has right to choose repair vendor Yes - optional
Arkansas Aftermarket parts allowed with written notice and at least equal in terms of fit, quality, performance, and warranty Consumer has right to choose repair vendor Not a law - Individual insurance companies may offer with comprehensive coverage.
California Aftermarket parts allowed with written notice and at least equal in terms of fit, quality, performance, and warranty Consumer has right to choose repair vendor Not a law - Individual insurance companies may offer with comprehensive coverage.
Colorado No specifications in law found. No specifications in law found. Not a law - Individual insurance companies may offer with comprehensive coverage.
Connecticut Aftermarket and used parts allowed with written notice Consumer has right to choose repair vendor but may have to pay difference in quote Yes - optional
Delaware Aftermarket and used parts allowed with written notice; consumer may refuse but pays the difference in quote Consumer has right to choose repair vendor but may have to pay difference in quote Not a law - Individual insurance companies may offer with comprehensive coverage.
District of Columbia No specifications in law found. No specifications in law found. Not a law - Individual insurance companies may offer with comprehensive coverage.
Florida Parts must be of same quality, fit and performance No specifications in law found. Yes - state law waives deductible for windshields only
Georgia Aftermarket and used parts allowed with written notice and guarantee; consumer may refuse but pays the difference in quote Consumer has right to choose repair vendor but may have to pay difference in quote Not a law - Individual insurance companies may offer with comprehensive coverage.
Hawaii No specifications in law found. No specifications in law found. Not a law - Individual insurance companies may offer with comprehensive coverage.
Idaho Aftermarket crash and used parts allowed with written notice; consumer may refuse but pays the difference in quote No specifications in law found. Not a law - Individual insurance companies may offer with comprehensive coverage.
Illinois Aftermarket and used parts allowed with written notice in estimate; consumer may refuse but pays the difference in quote No specifications in law found. Not a law - Individual insurance companies may offer with comprehensive coverage.
Indiana Consumer choice of OEM, aftermarket or used if vehicle less than 5 years old No specifications in law found. Not a law - Individual insurance companies may offer with comprehensive coverage.
Iowa Aftermarket crash parts (specifically excluding windshields) may be used if they are “at least equal in kind and quality … in terms of fit, quality and performance, or that the part complies with federal safety standards”, if mentioned in the policy; consumer may refuse but pays difference in quote No specifications in law found. Not a law - Individual insurance companies may offer with comprehensive coverage.
Kansas Insurance company chooses if using aftermarket parts that are of like kind and quality Insurance company may choose repair vendor Not a law - Individual insurance companies may offer with comprehensive coverage.
Kentucky Aftermarket and used parts allowed, consumer may refuse but pays difference in quote Consumer has right to choose repair vendor but may have to pay difference in quote Yes - state law waives deductible for auto glass
Louisiana Non-OEM aftermarket crash parts allowed with written notice Max comprehensive deductible is $250 Not a law - Individual insurance companies may offer with comprehensive coverage.
Maine Aftermarket and used parts allowed, consumer may refuse but pays difference in quote Consumer has right to choose repair vendor but may have to pay difference in quote Not a law - Individual insurance companies may offer with comprehensive coverage.
Maryland Aftermarket parts of like kind and quality and used parts allowed unless insurer had waiver purchased for OEM parts prior to loss Consumer has right to choose repair vendor but may have to pay difference in quote Not a law - Individual insurance companies may offer with comprehensive coverage.
Massachusetts OEM parts for 2004 and newer vehicles with less than 20,000 miles and 15,000 miles for 2003 and older vehicles No specifications in law found. Yes - optional with no deductible or $100 deductible
Michigan Aftermarket parts may be requested by insurance company, but must be identified on written estimate Consumer has right to choose repair vendor but may have to pay difference in quote Not a law - Individual insurance companies may offer with comprehensive coverage.
Minnesota Insurers may choose aftermarket parts for windshields and used OEM parts for all other repairs Consumer has right to choose repair vendor but may have to pay difference in quote Yes - optional; insurance companies required to offer policy
Mississippi Insurers may choose aftermarket parts, and aftermarket crash parts may be used if noted on estimate Consumer has right to choose repair vendor but may have to pay difference in quote Not a law - Individual insurance companies may offer with comprehensive coverage.
Missouri Aftermarket parts may be used, if stated on the estimate, and the parts are “at least equal in like, kind and quality in terms of fit, quality and performance” Insurer may choose repair vendor Not a law - Individual insurance companies may offer with comprehensive coverage.
Montana No specifications in law found. Consumer has right to choose repair vendor Not a law - Individual insurance companies may offer with comprehensive coverage.
Nebraska No specifications in law found. Insurer may choose repair vendor Not a law - Individual insurance companies may offer with comprehensive coverage.
Nevada No specifications in law found. Consumer has right to choose repair vendor but may have to pay difference in quote Not a law - Individual insurance companies may offer with comprehensive coverage.
New Hampshire Aftermarket parts of like kind and quality and used parts allowed unless consumer has two year old or newer vehicle with less than 30,000 miles and requests OEM parts Consumer has right to choose repair vendor Not a law - Individual insurance companies may offer with comprehensive coverage.
New Jersey No specifications in law found. Standard comprehensive deductible is $750 Not a law - Individual insurance companies may offer with comprehensive coverage.
New Mexico Insurers may choose aftermarket parts if like kind and quality No specifications in law found. Not a law - Individual insurance companies may offer with comprehensive coverage.
New York Aftermarket parts allowed with written notice and at least equal in terms of fit, form, finish, quality, and performance No specifications in law found. Yes - optional
North Carolina Aftermarket parts allowed with written notice and at least equal in terms of fit, quality, performance, and warranty Consumer has right to choose repair vendor Not a law - Individual insurance companies may offer with comprehensive coverage.
North Dakota Insurers may choose aftermarket parts if comparable to OEM No specifications in law found. Not a law - Individual insurance companies may offer with comprehensive coverage.
Ohio Aftermarket parts allowed, consumer may refuse but pays difference in quote Consumer has right to choose repair vendor Not a law - Individual insurance companies may offer with comprehensive coverage.
Oklahoma Aftermarket parts allowed Insurer may choose repair vendor Not a law - Individual insurance companies may offer with comprehensive coverage.
Oregon Insurers may use aftermarket crash parts if it is at least the same quality with respect to fit, finish, function and corrosion resistance Consumer has right to choose repair vendor Not a law - Individual insurance companies may offer with comprehensive coverage.
Pennsylvania No specifications in law found. Consumer has right to choose repair vendor Not a law - Individual insurance companies may offer with comprehensive coverage.
Rhode Island Aftermarket parts at least equal in kind and quality may be used unless car is 30 months old or less; then consumer must be notified in writing and gives consent No specifications in law found. Not a law - Individual insurance companies may offer with comprehensive coverage.
South Carolina No specifications in law found. No specifications in law found. Yes - state law waives deductible for auto glass
South Dakota Aftermarket crash parts allowed with written notice in estimate Consumer has right to choose repair vendor Not a law - Individual insurance companies may offer with comprehensive coverage.
Tennessee No specifications in law found. No specifications in law found. Not a law - Individual insurance companies may offer with comprehensive coverage.
Texas Aftermarket and used parts of like kind and quality allowed Consumer has right to choose repair vendor Not a law - Individual insurance companies may offer with comprehensive coverage.
Utah Aftermarket crash parts allowed with disclosure Consumer has right to choose repair vendor but may have to pay difference in quote Not a law - Individual insurance companies may offer with comprehensive coverage.
Vermont Aftermarket and used parts of like kind and quality allowed Consumer has right to choose repair vendor Not a law - Individual insurance companies may offer with comprehensive coverage.
Virginia Aftermarket parts allowed if they are at least equal in like kind and quality in terms of fit, quality and performance and a statement appears on the estimate No specifications in law found. Not a law - Individual insurance companies may offer with comprehensive coverage.
Washington Aftermarket and used parts of like kind and quality allowed; consumer may refuse but pays the difference in quote Consumer has right to choose repair vendor Not a law - Individual insurance companies may offer with comprehensive coverage.
West Virginia For cars younger than 3 years, insurers must use OEM parts unless consumer waives in writing No specifications in law found. Not a law - Individual insurance companies may offer with comprehensive coverage.
Wisconsin Aftermarket and used parts allowed; consumer may refuse but pays the difference in quote Consumer has right to choose repair vendor but may have to pay difference in quote Not a law - Individual insurance companies may offer with comprehensive coverage.
Wyoming No specifications in law found. No specifications in law found. Not a law - Individual insurance companies may offer with comprehensive coverage.

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