Does Insurance Cover Windshield Replacement?
A cracked windshield can happen at any time—one small rock on the highway, sudden temperature changes, or debris from another vehicle. Even a minor chip can quickly spread into a large crack, affecting visibility and safety.
Many drivers ask the same question:
Does insurance cover windshield replacement?
The answer is: sometimes, yes—depending on your coverage and the type of damage. Here’s what you need to know.
When Windshield Damage Is Covered by Insurance
Windshield repair or replacement is typically covered under your auto insurance policy if you have certain coverages in place.
Comprehensive Coverage
Most windshield claims fall under comprehensive coverage. Comprehensive helps cover damage to your vehicle that is not caused by a collision, such as:
rocks or debris hitting the windshield
vandalism
falling objects
severe weather (hail, wind, storms)
animal-related incidents
If you have comprehensive coverage, your policy may help pay for windshield repair or replacement, subject to your deductible.
Does Collision Coverage Apply?
Collision coverage usually applies when your vehicle is damaged in an accident with another vehicle or object.
For example, collision may apply if:
you hit a pole or guardrail and the windshield breaks
the windshield damage happens during a crash
However, most windshield-only claims are typically handled under comprehensive, not collision.
Repair vs Replacement: What Determines It?
A windshield may be repaired instead of replaced depending on:
size of the chip or crack
location of the damage
whether the crack is spreading
whether the damage affects the driver’s line of sight
In many cases, small chips can be repaired quickly and affordably. Replacement is usually needed if the damage is large, deep, or in a critical area.
Do You Have to Pay a Deductible?
This depends on your policy.
If you have comprehensive coverage with a deductible, you may need to pay that deductible before coverage applies.
Some policies may offer glass repair benefits where minor repairs are covered with little or no deductible.
It is important to review your policy details or ask your agent.
Will a Windshield Claim Raise My Rates?
A common concern is whether filing a windshield claim will increase premiums.
In many cases, comprehensive claims may not impact rates the same way at-fault accident claims can—but every carrier is different. Factors may include:
claim history
number of claims filed
state guidelines
underwriting rules
If you are unsure, it’s a good idea to speak with your agent before filing.
Can I Choose My Own Glass Repair Shop?
In many states, you may have the right to choose the repair shop you prefer. However:
some insurers have preferred glass vendors
using an approved vendor may speed up the process
warranty options may differ
If you have a trusted glass shop, ask your insurer if they can work directly with them.
Why Windshield Repair Should Not Be Delayed
Even a small chip can grow into a full crack. Delaying repair can lead to:
reduced visibility
higher replacement costs
failed vehicle inspection (in some cases)
increased safety risks
If the damage is spreading, replacement may be the safest option.
Final Thoughts
Windshield repair or replacement may be covered by auto insurance, especially if you carry comprehensive coverage. The key is knowing what coverage you have and understanding your deductible and claim options.
If you have questions about your auto policy or want to review your coverage, we are here to help.
