Free Windshield Replacement With Insurance

Only Florida, Kentucky, and South Carolina legally require insurance companies to offer free windshield replacement as part of their collision and comprehensive policies. Free windshield replacement means that the deductible for the repair is waived.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent Brad Larsen

UPDATED: Mar 21, 2022

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Things to Know

  • Only Florida, Kentucky, and South Carolina require by law that insurance companies offer free windshield replacement
  • “Free” windshield replacement means that an insurance company will waive the deductible for windshield repair that’s covered by collision or comprehensive insurance
  • Many insurance companies offer separate glass coverage that functions similar to free windshield replacement and costs about $5-$10 per month to add to a policy

Have you ever had a rock hit your windshield? Or maybe it was a branch that fell off a tree? Or even a game of catch that went spectacularly wrong? If so, you may have dealt with the struggle of replacing a windshield. Since many insurance policies have deductibles that are higher than the cost of replacing a windshield, drivers often have to pay $200–$400 out of pocket. In other words, their insurance policy covers the damage on paper but doesn’t actually help pay for the repair.

Depending on what state you live in, your insurance company may be required by law to replace your damaged windshields without making you pay your deductible first. But to be eligible for free windshield replacement, you will still need to have the right type of insurance coverage. This is because “free” windshield replacement just means that you won’t have to pay your deductible — you still pay for it through your regular insurance payments.

With this guide, we’ll tell you what states require insurance companies to waive deductibles for windshield replacements as well as what sort of insurance you need to qualify for this coverage. We’ll also take a look at how glass coverage policies work, which is a more widely available option for saving money on windshield replacement.

Which states have free windshield replacement?

Only Florida, Kentucky, and South Carolina have laws that require car insurance companies to waive the deductible for windshield replacements if drivers have comprehensive or collision insurance. Outside of these three free windshield replacement states, some others require insurance companies to offer separate glass coverage with no deductible, meaning drivers pay for this coverage in addition to other forms of car insurance.

According to Hollander Law Firm, the state of Florida’s free windshield replacement law applies only to comprehensive coverage (not to collision coverage).

Even in states with no free windshield replacement or glass coverage laws, insurance companies may still offer glass coverage with a low or zero-dollar deductible. Take a look at the table below for an overview of what states offer free windshield replacement or separate glass coverage without a deductible.

StateWindshield replacement law
AlabamaNo free windshield/glass coverage
AlaskaNo free windshield/glass coverage
ArizonaGlass coverage offered with no deductible on claims
ArkansasNo free windshield/glass coverage
CaliforniaNo free windshield/glass coverage
ColoradoNo free windshield/glass coverage
ConnecticutGlass coverage offered with no deductible on claims
DelawareNo free windshield/glass coverage
FloridaFree windshield replacement required with comprehensive and collision coverage
GeorgiaNo free windshield/glass coverage
HawaiiNo free windshield/glass coverage
IdahoNo free windshield/glass coverage
IllinoisNo free windshield/glass coverage
IndianaNo free windshield/glass coverage
IowaNo free windshield/glass coverage
KansasNo free windshield/glass coverage
KentuckyFree windshield replacement required with comprehensive and collision coverage
LouisianaNo free windshield/glass coverage
MaineNo free windshield/glass coverage
MarylandNo free windshield/glass coverage
MassachusettsGlass coverage offered with no deductible on claims
MichiganNo free windshield/glass coverage
MinnesotaGlass coverage offered with no deductible on claims
MississippiNo free windshield/glass coverage
MissouriNo free windshield/glass coverage
MontanaNo free windshield/glass coverage
NebraskaNo free windshield/glass coverage
NevadaNo free windshield/glass coverage
New HampshireNo free windshield/glass coverage
New JerseyNo free windshield/glass coverage
New MexicoNo free windshield/glass coverage
New YorkGlass coverage offered with no deductible on claims
North CarolinaNo free windshield/glass coverage
North DakotaNo free windshield/glass coverage
OhioNo free windshield/glass coverage
OklahomaNo free windshield/glass coverage
OregonNo free windshield/glass coverage
PennsylvaniaNo free windshield/glass coverage
Rhode IslandNo free windshield/glass coverage
South CarolinaFree windshield replacement required with comprehensive and collision coverage
South DakotaNo free windshield/glass coverage
TennesseeNo free windshield/glass coverage
TexasNo free windshield/glass coverage
UtahNo free windshield/glass coverage
VermontNo free windshield/glass coverage
VirginiaNo free windshield/glass coverage
WashingtonNo free windshield/glass coverage
West VirginiaNo free windshield/glass coverage
WisconsinNo free windshield/glass coverage
WyomingNo free windshield/glass coverage
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Which car insurance includes free windshield replacement?

For states with free windshield replacement laws, drivers need collision or comprehensive coverage to qualify for coverage, depending on how their car’s windshield was damaged. Collision coverage applies to any damage to a car that occurs as the result of a collision with another car or someone’s property. Comprehensive coverage applies when a vehicle is damaged, totaled, or otherwise lost because of an event other than a collision, including fire, theft, vandalism, and falling objects. If a driver doesn’t have both comprehensive and collision insurance, they may have to pay out of pocket for windshield replacement.

For states where insurance companies are required to offer glass coverage, windshield replacement doesn’t have a deductible if the repairs are part of a glass coverage policy. In other words, if you purchase glass coverage and your windshield needs to be replaced, you won’t have to pay out of pocket for the replacement. 

If you live in a state that doesn’t require free windshield replacement or glass insurance coverage without a deductible, you may still be able to obtain windshield replacement coverage from certain insurance companies that offer glass coverage with no deductible.

Do you have to pay a deductible to have your windshield replaced?

Whether or not you have to pay a deductible to have your windshield replaced depends on your state. If you live in a state with a  “free” windshield replacement law, your comprehensive and collision coverage will waive your deductible for windshield repairs or replacement. If you live in a state where insurance companies are required to offer glass coverage, you won’t have to pay a deductible to have your car’s windshield replaced.

If you have comprehensive and collision coverage in a state without a windshield replacement law, you may have to pay a deductible before your insurance coverage applies to your windshield replacement. Since windshield replacement tends to cost less than $500, you may have to pay for all or most of the replacement cost with your deductible. That said, some insurance companies will waive deductibles for minor repairs, such as a cracked windshield.

How does a glass coverage policy work?

Glass coverage is a type of insurance policy that covers your windshields, windows, and any other glass that needs to be replaced after an accident. Glass coverage (which is also called “full glass coverage”) is sometimes included as part of comprehensive car insurance but may need to be purchased separately. Contact your insurance company if you’re unsure if your current plan includes glass coverage.

Some states require insurance companies to offer glass coverage as an optional form of car insurance. In other states, some car insurance companies offer glass coverage, while others do not. Purchasing glass coverage separately usually adds about $5–$10 each month to your existing car insurance rates.

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What to Remember About Insurance With Free Windshield Replacement

  • Most states don’t require free windshield replacement by law. If you’re in one of the three states that has free windshield replacement, it will be part of your collision or comprehensive coverage.
  • Glass coverage functions similarly to free windshield replacement. While a few states require insurance companies to offer glass coverage, many offer this coverage to drivers in any state.
  • In some cases, insurance companies may waive a driver’s deductible for minor windshield repair even if they’re not in a free windshield repair state. Contact your insurance company for more info on how they cover windshield repairs.

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