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Yes, you have to pay a deductible for windshield replacement if you use your comprehensive or collision coverage. Insurance companies often waive deductibles for minor windshield repairs, however, and some states even require insurers to waive the deductible for both windshield replacements and repairs.
States With Reduced Deductibles for Windshield Replacement
In Florida, Kentucky, and South Carolina, insurers cannot charge a deductible for repairing or replacing your windshield, so windshield repair/replacement is free if you carry comprehensive insurance. In Arizona and Massachusetts, insurance companies have the option of offering a $0 comprehensive insurance deductible for glass repair and replacement. Similarly, in Connecticut, Minnesota, and New York, you can buy full glass coverage, which is an add-on to comprehensive insurance that waives the deductible for glass repair or replacement.
If you live in a state where there is no law mandating insurance companies to waive your comprehensive deductible for glass claims, your insurance company may still waive or reduce your deductible.
Major Insurance Companies That Waive Windshield Deductibles
- GEICO
- Nationwide (if you have glass coverage)
- Allstate (repairs when additional waiver is purchased)
- American Family (repairs but not replacements)
- Liberty Mutual (repairs but not replacements)
- Progressive (repairs but not replacements)
- State Farm (only where legally required)
- Travelers (repairs but not replacements)
- USAA (repairs but not replacements)
If you have to pay a glass deductible, then you should only file a claim if the cost of repairs or a full replacement is more than what you’re expected to pay out of pocket. Replacements can cost up to $400, so by filing a claim and only paying your deductible, you will usually save money.
To learn more, check out WalletHub’s guide to windshield insurance.
People also ask
How much does it cost to replace a windshield?
It costs between $250 and $400 to replace a windshield without car insurance, depending on factors like the make, model and year of your car, as well as the type of glass used. Replacing the windshield of a new, luxury vehicle could cost twice as much as replacing the glass of an older, economy car.
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GEICO glass and windshield claims are subject to a $0-$1,500 deductible, depending on how the glass damage occurs, where it is on the car, and whether or not the policyholder has comprehensive coverage. If your glass or windshield is damaged in an accident that is not your fault, it should be covered by the at-fault driver’s liability insurance. If it is damaged in a collision caused by you, whether with another vehicle or an object...
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