Affordable Full Glass Coverage (2023)
Auto glass insurance coverage, or full glass coverage, is an optional policy offered by many auto insurance companies. Full glass policies cover your vehicle's windshield, windows, and other glass by repairing or replacing your damaged glass. Insurers may include glass repair insurance coverage in your comprehensive policy, which costs an average of $159.72 per year or $13.31 per month.
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Written by
Rachel Bodine |
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Reviewed by
Leslie Kasperowicz
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UPDATED: Nov 26, 2022
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 26, 2022
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Full glass coverage repairs or replaces glass in your car, from windshields to windows
- Full glass coverage is not always automatically included in your auto insurance policy, which means drivers will have to pay extra to add full glass coverage
- If full glass coverage is included, it will be a part of your comprehensive coverage
What is full glass coverage? Full glass coverage is an optional policy offered by many car insurance companies that covers damages to car windshields and windows. Today, we’re explaining everything you need to know about full glass coverage to help you with understanding auto insurance. Read on to learn all about auto full glass coverage, how it works, and whether or not you should get it.
To start shopping for the best rates on car insurance with glass coverage in your area, enter your ZIP code in our free tool above.
Auto Glass Repair Insurance Coverage
Will my insurance pay for a cracked windshield? What does full glass coverage mean? If you have auto glass insurance coverage, also known as full glass coverage, it will cover damage to your vehicle’s windshield, windows, and other glass. This optional car insurance policy will pay for the cost to repair or replace your damaged glass.
Sometimes, full glass coverage comes with no auto glass deductible. What part of auto insurance covers windshields if there is no deductible? In most cases, full glass coverage comes with the usual comprehensive coverage deductible – say, around $250 to $500.
Some car insurance companies include full glass coverage in comprehensive auto insurance policies. Typically, comprehensive coverage windshield policies vary from state to state. A state with harsher winters, for example, may not offer full glass coverage because there’s more gravel on the road and a higher likelihood of windshields being shattered, so you will have to buy auto insurance with glass coverage insurance.
According to the Insurance Information Institute (III), comprehensive insurance costs an average of $159.72, so if you have to purchase glass coverage separately expect additional costs added to your comprehensive policy.
Do I have full glass insurance coverage?
Does full coverage car insurance cover glass repairs? You might already have car glass coverage on your auto insurance policy. If you just have basic liability auto insurance, then windshield and other glass damage will not be covered.
If you have liability and collision coverage, then it’s also unlikely that you’ll have auto glass coverage or windshield coverage. Most collision coverage insurance policies do not cover any type of glass damage outside of an accident.
If you have comprehensive coverage, however, then it’s possible that you have full glass coverage. In fact, some state auto insurance requirements require insurance companies to include full glass coverage as part of all comprehensive insurance plans.
So if you were searching for full glass coverage with Geico or wondering if Progressive auto insurance covers windshield replacement, the better question may be what are my state’s full glass coverage laws. Once you know that, you can find a provider with the best rates.
View the table below to see the full glass coverage laws in your state.
| Full Glass Coverage Laws by State | Replacement Law | Repair law | Zero Deductible with Comprehensive Coverage |
|---|---|---|---|
| Alabama | Parts must be like kind and quality and restore vehicle to value before loss | No specifications in law found. | Not a law - Individual insurance companies may offer with comprehensive coverage. |
| Alaska | No specifications in law found. | No specifications in law found. | Not a law - Individual insurance companies may offer with comprehensive coverage. |
| Arizona | Aftermarket parts allowed with written notice and at least equal in terms of fit, quality, performance, and warranty | Consumer has right to choose repair vendor | Yes - optional |
| Arkansas | Aftermarket parts allowed with written notice and at least equal in terms of fit, quality, performance, and warranty | Consumer has right to choose repair vendor | Not a law - Individual insurance companies may offer with comprehensive coverage. |
| California | Aftermarket parts allowed with written notice and at least equal in terms of fit, quality, performance, and warranty | Consumer has right to choose repair vendor | Not a law - Individual insurance companies may offer with comprehensive coverage. |
| Colorado | No specifications in law found. | No specifications in law found. | Not a law - Individual insurance companies may offer with comprehensive coverage. |
| Connecticut | Aftermarket and used parts allowed with written notice | Consumer has right to choose repair vendor but may have to pay difference in quote | Yes - optional |
| Delaware | Aftermarket and used parts allowed with written notice; consumer may refuse but pays the difference in quote | Consumer has right to choose repair vendor but may have to pay difference in quote | Not a law - Individual insurance companies may offer with comprehensive coverage. |
| Florida | Parts must be of same quality, fit and performance | No specifications in law found. | Yes - state law waives deductible for windshields only |
| Georgia | Aftermarket and used parts allowed with written notice and guarantee; consumer may refuse but pays the difference in quote | Consumer has right to choose repair vendor but may have to pay difference in quote | Not a law - Individual insurance companies may offer with comprehensive coverage. |
| Hawaii | No specifications in law found. | No specifications in law found. | Not a law - Individual insurance companies may offer with comprehensive coverage. |
| Idaho | Aftermarket crash and used parts allowed with written notice; consumer may refuse but pays the difference in quote | No specifications in law found. | Not a law - Individual insurance companies may offer with comprehensive coverage. |
| Illinois | Aftermarket and used parts allowed with written notice in estimate; consumer may refuse but pays the difference in quote | No specifications in law found. | Not a law - Individual insurance companies may offer with comprehensive coverage. |
| Indiana | Consumer choice of OEM, aftermarket or used if vehicle less than 5 years old | No specifications in law found. | Not a law - Individual insurance companies may offer with comprehensive coverage. |
| Iowa | Aftermarket crash parts (specifically excluding windshields) may be used if they are “at least equal in kind and quality … in terms of fit, quality and performance, or that the part complies with federal safety standards”, if mentioned in the policy; consumer may refuse but pays difference in quote | No specifications in law found. | Not a law - Individual insurance companies may offer with comprehensive coverage. |
| Kansas | Insurance company chooses if using aftermarket parts that are of like kind and quality | Insurance company may choose repair vendor | Not a law - Individual insurance companies may offer with comprehensive coverage. |
| Kentucky | Aftermarket and used parts allowed, consumer may refuse but pays difference in quote | Consumer has right to choose repair vendor but may have to pay difference in quote | Yes - state law waives deductible for auto glass |
| Louisiana | Non-OEM aftermarket crash parts allowed with written notice | Max comprehensive deductible is $250 | Not a law - Individual insurance companies may offer with comprehensive coverage. |
| Maine | Aftermarket and used parts allowed, consumer may refuse but pays difference in quote | Consumer has right to choose repair vendor but may have to pay difference in quote | Not a law - Individual insurance companies may offer with comprehensive coverage. |
| Maryland | Aftermarket parts of like kind and quality and used parts allowed unless insured had waiver purchased for OEM parts prior to loss | Consumer has right to choose repair vendor but may have to pay difference in quote | Not a law - Individual insurance companies may offer with comprehensive coverage. |
| Massachusetts | OEM parts for 2004 and newer vehicles with less than 20,000 miles and 15,000 miles for 2003 and older vehicles | No specifications in law found. | Yes - optional with no deductible or $100 deductible |
| Michigan | Aftermarket parts may be requested by insurance company, but must be identified on written estimate | Consumer has right to choose repair vendor but may have to pay difference in quote | Not a law - Individual insurance companies may offer with comprehensive coverage. |
| Minnesota | Insurers may choose aftermarket parts for windshields and used OEM parts for all other repairs | Consumer has right to choose repair vendor but may have to pay difference in quote | Yes - optional; insurance companies required to offer policy |
| Mississippi | Insurers may choose aftermarket parts, and aftermarket crash parts may be used if noted on estimate | Consumer has right to choose repair vendor but may have to pay difference in quote | Not a law - Individual insurance companies may offer with comprehensive coverage. |
| Missouri | Aftermarket parts may be used, if stated on the estimate, and the parts are “at least equal in like, kind and quality in terms of fit, quality and performance” | Insurer may choose repair vendor | Not a law - Individual insurance companies may offer with comprehensive coverage. |
| Montana | No specifications in law found. | Consumer has right to choose repair vendor | Not a law - Individual insurance companies may offer with comprehensive coverage. |
| Nebraska | No specifications in law found. | Insurer may choose repair vendor | Not a law - Individual insurance companies may offer with comprehensive coverage. |
| Nevada | No specifications in law found. | Consumer has right to choose repair vendor but may have to pay difference in quote | Not a law - Individual insurance companies may offer with comprehensive coverage. |
| New Hampshire | Aftermarket parts of like kind and quality and used parts allowed unless cosumer has two year old or newer vehicle with less than 30,000 miles and requests OEM parts | Consumer has right to choose repair vendor | Not a law - Individual insurance companies may offer with comprehensive coverage. |
| New Jersey | No specifications in law found. | Standard comprehensive deductible is $750 | Not a law - Individual insurance companies may offer with comprehensive coverage. |
| New Mexico | Insurers may choose aftermarket parts if like kind and quality | No specifications in law found. | Not a law - Individual insurance companies may offer with comprehensive coverage. |
| New York | Aftermarket parts allowed with written notice and at least equal in terms of fit, form, finish, quality, and performance | No specifications in law found. | Y - optional |
| North Carolina | Aftermarket parts allowed with written notice and at least equal in terms of fit, quality, performance, and warranty | Consumer has right to choose repair vendor | Not a law - Individual insurance companies may offer with comprehensive coverage. |
| North Dakota | Insurers may choose aftermarket parts if comparable to OEM | No specifications in law found. | Not a law - Individual insurance companies may offer with comprehensive coverage. |
| Ohio | Aftermarket parts allowed, consumer may refuse but pays difference in quote | Consumer has right to choose repair vendor | Not a law - Individual insurance companies may offer with comprehensive coverage. |
| Oklahoma | Aftermarket parts allowed | Insurer may choose repair vendor | Not a law - Individual insurance companies may offer with comprehensive coverage. |
| Oregon | Insurers may use aftermarket crash parts if it is at least the same quality with respect to fit, finish, function and corrosion resistance | Consumer has right to choose repair vendor | Not a law - Individual insurance companies may offer with comprehensive coverage. |
| Pennsylvania | No specifications in law found. | Consumer has right to choose repair vendor | Not a law - Individual insurance companies may offer with comprehensive coverage. |
| Rhode Island | Aftermarket parts at least equal in kind and quality may be used unless car is 30 months old or less; then consumer must be notified in writing and gives consent | No specifications in law found. | Not a law - Individual insurance companies may offer with comprehensive coverage. |
| South Carolina | No specifications in law found. | No specifications in law found. | Y - state law waives deductible for auto glass |
| South Dakota | Aftermarket crash parts allowed with written notice in estimate | Consumer has right to choose repair vendor | Not a law - Individual insurance companies may offer with comprehensive coverage. |
| Tennessee | No specifications in law found. | No specifications in law found. | Not a law - Individual insurance companies may offer with comprehensive coverage. |
| Texas | Aftermarket and used parts of like kind and quality allowed | Consumer has right to choose repair vendor | Not a law - Individual insurance companies may offer with comprehensive coverage. |
| Utah | Aftermarket crash parts allowed with disclosure | Consumer has right to choose repair vendor but may have to pay difference in quote | Not a law - Individual insurance companies may offer with comprehensive coverage. |
| Vermont | Aftermarket and used parts of like kind and quality allowed | Consumer has right to choose repair vendor | Not a law - Individual insurance companies may offer with comprehensive coverage. |
| Virginia | Aftermarket parts allowed if they are at least equal in like kind and quality in terms of fit, quality and performance and a statement appears on the estimate | No specifications in law found. | Not a law - Individual insurance companies may offer with comprehensive coverage. |
| Washington | Aftermarket and used parts of like kind and quality allowed; consumer may refuse but pays the difference in quote | Consumer has right to choose repair vendor | Not a law - Individual insurance companies may offer with comprehensive coverage. |
| West Virginia | For cars younger than 3 years, insurers must use OEM parts unless consumer waives in writing | No specifications in law found. | Not a law - Individual insurance companies may offer with comprehensive coverage. |
| Wisconsin | Aftermarket and used parts allowed; consumer may refuse but pays the difference in quote | Consumer has right to choose repair vendor but may have to pay difference in quote | Not a law - Individual insurance companies may offer with comprehensive coverage. |
| Wyoming | No specifications in law found. | No specifications in law found. | Not a law - Individual insurance companies may offer with comprehensive coverage. |
| Washington DC | No specifications in law found. | No specifications in law found. | Not a law - Individual insurance companies may offer with comprehensive coverage. |
Nevertheless, it’s possible to have comprehensive insurance without full glass coverage auto insurance. Just because you have comprehensive insurance does not guarantee that you have glass coverage. Many insurance companies offer an optional “rider” specifically for glass damage.
It’s also important to check your specific glass coverage: some glass coverage policies cover only windshield damage, while other policies cover windshield and glass damage.
Should I buy auto glass insurance coverage?
If you don’t already have full safety glass coverage, then it may be a good idea to get it from auto glass insurance companies. Typically, full glass coverage will cost you about $5 to $10 more per month for auto insurance, or anywhere from $60 to $150 per year. In exchange, you get full coverage for any windshield or glass damage and repairs.
The first step in deciding whether or not to buy glass coverage is to check how much it costs. Ask your insurance company how much it costs to add full glass coverage to your policy. This might be labeled as a “glass rider” by your insurance company.
Next, consider the chances of your windshield being cracked or damaged. If you park on the street or outdoors, for example, your windshield has a significantly higher chance of being damaged – say, by falling branches, a neighborhood street hockey game, or vandalism.
Cities that use gravel on their roads in the winter may also have higher incidents of broken windshields. Some drivers also choose to get full glass coverage if they live on a gravel road or if they frequently drive off-road and have a higher risk of needing windshield replacement.
The next important thing to consider is your auto insurance deductible. With most full glass coverage policies, you’ll need to pay your comprehensive coverage deductible. How high of a deductible should I get with my auto insurance policy? Typically, this deductible should be less than your ordinary liability insurance deductible. It might be around $250, for example, or even less. Some glass repairs are so cheap that they won’t even exceed your deductible. In this case, it’s better not to have full glass coverage.
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When Auto Glass Insurance Deductibles are Waived
Auto insurance companies don’t expect you to pay a $250 deductible to repair a $50 crack in your windshield. Fortunately, some auto insurance companies will waive your glass deductible in certain situations.
If you’re replacing a small crack or chip before it turns into a bigger problem, for example, then an auto insurance company might cover the repairs while waiving the deductible.
Geico auto insurance windshield coverage, for example, will waive the deductible for windshield chip repair at Geico if you have a chip or crack on your windshield smaller than a dollar bill.
Ultimately, fixing a windshield may not be as expensive as you think. Mobile windshield repair stations can be found in parking lots. These stations can fix a crack or chip in your windshield while you wait. Auto repair shops can give you a fast and cheap quote on windshield repairs.
Nevertheless, it may be in your best interest to purchase full glass coverage insurance on your vehicle. It gives you added peace of mind for a few extra dollars per month.
We hope that our guide answered your question about does auto insurance cover glass damage. To find the best rates on window insurance for a car, enter your ZIP code in our free tool below.
Compare over 200 auto insurance companies at once!
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
|
Written by
Rachel Bodine |
|
Reviewed by
Leslie Kasperowicz
|