Is a Broken Windshield Covered by Car Insurance?

Broken windshields are covered by comprehensive car insurance. You can buy comprehensive insurance for as low as $13/month. However, your rates vary by state. Liability and collision auto insurance won't pay for a broken windshield unless it's damaged in an accident with another vehicle. Shop around and compare multiple companies to secure the best insurance for broken windshields.

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Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent

UPDATED: Dec 20, 2021

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The Rundown

  • Comprehensive car insurance pays for damage to windshields
  • You can pay as little as $13 per month for comprehensive insurance
  • Six states in the nation have no deductible for windshield replacement

Did you know your auto insurance company will pay for your damaged windshield? Broken windshields are covered by car insurance, but you’ll need the right coverage.

Is it better to get a broken windshield repaired? Or should you consider windshield replacement?

Read this article to learn how car insurance companies cover broken windshields. If you want an insurance quote right now, use our free online quote tool to compare multiple insurance companies in your area.

Is a broken windshield covered by car insurance?

Yes, it is. However, you’ll need comprehensive auto insurance to cover a broken windshield.

Comprehensive insurance pays for damage to your vehicle that doesn’t involve a collision. In other words, any unforeseen damage to your car is covered by comprehensive coverage.

Here are some incidents that auto insurance companies identify as comprehensive damage.

  • Fire damage
  • Damage from animals
  • Storm damage (including wind, hail, and ice)
  • Vehicle vandalism and theft
  • Damage due to civil unrest (such as riots)
  • Flooding

Your liability coverage doesn’t pay for damaged windshields. However, an at-fault driver that damages your windshield in a collision is responsible to pay for the damages.

Collision insurance covers damage to your car, including the windshield. But collision car insurance only pays for damage if it involves an accident with another vehicle.

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How much are broken windshield car insurance rates?

You won’t find broken windshield car insurance quotes because broken windshields are covered under comprehensive insurance.

On average, comprehensive coverage is about $13 per month. However, comprehensive auto insurance varies for each state.

Let’s compare comprehensive insurance rates for each state.

NAIC's Average Monthly Comprehensive Car Insurance Rates by State
StatesAverage Monthly Comprehensive Rates
*Industry Average$13
Alabama$14
Alaska$12
Arizona$16
Arkansas$17
California$8
Colorado$17
Connecticut$11
Delaware$11
District of Columbia$19
Florida$11
Georgia$14
Hawaii$9
Idaho$10
Illinois$11
Indiana$11
Iowa$16
Kansas$21
Kentucky$12
Louisiana$19
Maine$9
Maryland$13
Massachusetts$12
Michigan$13
Minnesota$16
Mississippi$18
Missouri$16
Montana$21
Nebraska$20
Nevada$10
New Hampshire$9
New Jersey$11
New Mexico$15
New York$15
North Carolina$11
North Dakota$20
Ohio$10
Oklahoma$20
Oregon$8
Pennsylvania$13
Rhode Island$11
South Carolina$16
South Dakota$24
Tennessee$13
Texas$19
Utah$10
Vermont$11
Virginia$12
Washington$9
West Virginia$18
Wisconsin$12
Wyoming$23
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According to the National Association of Insurance Commissioners (NAIC), California has the cheapest comprehensive car insurance in the United States.

Affordable car insurance is determined by the state where you live and which company provides the insurance policy.

Do I have to pay a deductible for a broken windshield?

It depends on the state. Comprehensive car insurance (which covers broken windshields) comes with a deductible in most states. Six states don’t require a deductible when you file a comprehensive claim for glass replacement or repair.

States that don’t require a deductible to pay for windshield replacement are:

  • Arizona
  • Florida
  • Kentucky
  • Massachusetts
  • New York
  • South Carolina

If you live in any of these states, you won’t have to pay your auto insurance company a deductible for replacing your windshield.

Be cautious about companies with prices that are too good to be true. Ask the glass repair provider if it’s part of the Auto Glass Safety Council.

When should you file a comprehensive car insurance claim for a broken windshield?

File a broken windshield claim as soon as possible. But there are specific factors that indicate whether you should replace your windshield.

Check out this list to understand the tell-tale signs that your windshield should be replaced.

  • The windshield damage obstructs your view of the road
  • A chip or crack is more than halfway through the glass
  • Damage to the windshield extends to the edge of the glass
  • There’s a crack larger than a dollar bill
  • The glass isn’t laminated

Contact your auto insurance company and let them know you need to file a comprehensive claim for your windshield.

You may have to pay a deductible before your windshield is replaced. If you need help locating a windshield repair company, ask your car insurance company for a glass provider it prefers.

How much do glass repair and replacement cost?

Prices for glass repair and replacement are different in each area of the United States. But the average cost of small glass repair, such as a chip, is between $60 and $100.

Cracks can be fixed for around the same price. However, longer and more complicated cracks may cost $125 or more.

If the cost of repairs is more than $125, you may want to consider replacing your windshield.

Why shouldn’t I use DIY methods to fix damaged windshields?

There are several DIY windshield repair methods, but they only work for a short time.

You can skip expensive out-of-pocket costs when you buy broken windshield car insurance (comprehensive insurance).

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Broken Windshield: The Bottom Line

Broken windshields are covered by comprehensive coverage. However, your car insurance company won’t cover your windshield if the damage occurred before the start of your policy.

Also, liability and collision auto insurance will pay to repair or replace a broken windshield if it was damaged in a car accident. If the damage was not the result of a collision, comprehensive coverage will pay to repair or replace a broken windshield.

If you haven’t bought comprehensive insurance for your policy, it may be time to add the coverage option. And comprehensive car insurance is at the best insurance companies.

If you want to avoid paying out-of-pocket for a broken windshield, enter your ZIP code in the free comparison tool to see what the top insurance companies provide near you.

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