Does insurance cover windshield replacement?
Comprehensive insurance covers windshield replacement. About 10 states — including Colorado and Arizona — require insurers to offer zero-deductible glass coverage, meaning you may pay $0. In other states, your standard deductible applies (typically $250–$500).
Updated June 2026
Windshield damage is covered under comprehensive insurance, not collision. Comprehensive covers non-collision damage: weather, falling objects, vandalism, and glass breakage. Collision only covers accidents where your car strikes something.
Zero-deductible states (CO, AZ, FL, KY, MA, MN, NY, SC, SD, WI) require insurers to offer windshield-specific coverage with no out-of-pocket cost. In these states, chip repair is almost always $0 and full replacement often is too. In other states, your deductible applies — and if your deductible is higher than the repair cost, it may not be worth filing.
Filing a glass claim under comprehensive coverage does not increase your rate in most states. Because glass damage is typically weather-related (hail, road debris), it is treated as a no-fault event. Always confirm with your specific insurer before filing.