Does Progressive auto insurance cover windshield replacement?

Progressive will cover windshield replacements or repairs under collision and comprehensive coverages. Here's more information on when you should file a claim and what will be covered.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Written by Rachel Bodine
Insurance Feature Writer Rachel Bodine

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Aug 5, 2022

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What You Should Know

  • Comprehensive coverage will cover any damages to the windshield from a non-vehicle or object collision 
  • Collision coverage will cover any damages to the windshield from an object or vehicle collision 
  • It is not always worth filing a claim if the deductible is higher than the windshield replacement cost

When you get auto insurance quotes and sign up for a policy, you may not immediately be concerned if your company covers glass damages.

However, if you have a Progressive auto insurance policy and a damaged windshield, it is important to know the ins and outs of the answer to “Does Progressive cover windshield replacement?” Progressive will replace your windshield if you have comprehensive or collision auto insurance coverage and the damage warrants replacement. 

Read on to learn more about Progressive and windshield replacements, such as what coverages you’ll need to carry and when it’ll repair a windshield instead of replacing it. 

Does Progressive cover windshield replacement?

To qualify for a windshield replacement, you will need to have the right coverages at Progressive, and the damages need to be bad enough that they can’t repair them. 

Coverages Needed for Progressive Windshield Replacement

You will most likely need comprehensive auto insurance coverage to qualify for windshield replacement. Comprehensive coverage will replace your window if it is damaged by the following: 

  • Vandalism or theft 
  • Animal collisions 
  • Weather events 
  • Fire 

With comprehensive coverage, Progressive will cover any damage to the windshield caused by something other than a collision with another vehicle or object. 

Collision coverage is the other coverage you’ll need to protect your vehicle’s windshield. For example, if you cause a collision with another car or an object, such as a mailbox, you’ll need collision coverage to pay for windshield damage. 

Collision and comprehensive coverages will ensure your windshield is covered in various situations. 

Damages That Will Result in Windshield Replacement 

If your Progressive insurance policy covers the event, it’ll replace your windshield if it can’t repair the crack or chip. Generally, a crack over six inches can’t be repaired, and the whole windshield needs to be replaced. 

If the damage can be repaired, Progressive will usually repair the crack or chip in the windshield for free without you having to pay your deductible. This is because it is much cheaper for Progressive to repair a windshield than pay for a replacement. 

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When to File a Claim for Windshield Replacement at Progressive 

It’s not always in your best interest to file a car insurance claim for windshield repair or replacement. Instead, consider how much your windshield will cost to replace against how much your rates might increase. 

In addition, it is not always worth filing a claim if you have a high deductible. For example, if you have a $1,000 deductible but the cost to replace your windshield is only $500, it’s not worth filing a claim. Either way, you’ll pay for the replacement because the repair cost is less than your deductible. 

To determine the windshield’s replacement cost, insurance companies look at your car’s make and model, your location, and the type of glass used. Looking up comparative costs of windshield replacements for cars similar to yours can help you determine if it is worth filing a claim or not. 

However, it’s best not to wait too long to file a claim or get your windshield repaired or replaced. Cracks and chips can spread easily, turning what was initially a small repair into a full glass replacement. You also will be more unlikely to pass a state inspection with a cracked or chipped windshield.  

How do I file a windshield claim with Progressive? 

The process is easy if you decide it is best to file a claim for windshield replacement or repair with Progressive. Unlike filing serious claims for other health insurance or life insurance policies, such as accidental death life insurance, filing claims for car insurance is simple and straightforward:

  • Submit claim. You can submit your claim at Progressive through the app, online, or by phone. Follow the instructions given for submitting your claim, such as taking pictures of the damages and describing the accident. 
  • Schedule repairs. Once Progressive approves your claim, you can schedule a date and time to bring in your car for repairs or replacement. 

Progressive and the repair shop will determine if your windshield needs repaired or replaced, and Progressive will decide the payout amount. 

The Final Word on Progressive Windshield Replacement 

In the majority of cases, you’ll need to carry comprehensive coverage for your windshield replacement to be covered by Progressive. You should also carry collision coverage for any damages not covered by your comprehensive coverage. 

If you are looking for windshield coverage to protect yourself when driving, shopping around and comparing quotes is one of the best ways to find savings. Use our free quote comparison tool to find the best auto insurance rates from companies in your area. 

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