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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.
Florida, South Carolina, and Kentucky waive deductibles for windshield repair and replacement altogether. In Arizona, Connecticut, Minnesota, Massachusetts, and New York car insurance companies are required by state law to offer full glass coverage. This is a policy add-on that allows drivers to have a glass repair deductible that is either $0 or lower than their comprehensive deductible.
Major Insurance Companies That Waive Windshield Deductibles
Company | Considerations |
Geico | Repairs but not replacements |
Nationwide | None |
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.
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