[{"@context":"https:\/\/schema.org\/","@type":"BlogPosting","@id":"https:\/\/www.agilerates.com\/advice\/auto\/no-deductible-windshield-replacement\/#BlogPosting","mainEntityOfPage":"https:\/\/www.agilerates.com\/advice\/auto\/no-deductible-windshield-replacement\/","headline":"States With No Deductible Windshield Replacement","name":"States With No Deductible Windshield Replacement","description":"Your car\u2019s windshield is covered under the comprehensive portion of your insurance policy. But comprehensive coverage is subject to a deductible, and glass repairs are typically only a few hundred dollars. This means, unless you have no deductible windshield replacement coverage, you pay for windshield repairs yourself.  Unfortunately, this causes many windshields to go unfixed. […]","datePublished":"2023-08-09","dateModified":"2023-08-11","author":{"@type":"Person","@id":"https:\/\/www.agilerates.com\/author\/mark-romero\/#Person","name":"Mark Romero","url":"https:\/\/www.agilerates.com\/author\/mark-romero\/","image":{"@type":"ImageObject","@id":"https:\/\/www.agilerates.com\/wp-content\/uploads\/2022\/06\/Mark-Romero-150x150.png","url":"https:\/\/www.agilerates.com\/wp-content\/uploads\/2022\/06\/Mark-Romero-150x150.png","height":96,"width":96}},"publisher":{"@type":"Organization","name":"Agile Rates","logo":{"@type":"ImageObject","@id":"https:\/\/dev.agilerates.com\/wp-content\/uploads\/2019\/11\/unnamed.png","url":"https:\/\/dev.agilerates.com\/wp-content\/uploads\/2019\/11\/unnamed.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.agilerates.com\/wp-content\/uploads\/2023\/08\/no-deductible-windshield-replacement.jpg","url":"https:\/\/www.agilerates.com\/wp-content\/uploads\/2023\/08\/no-deductible-windshield-replacement.jpg","height":1041,"width":1600},"url":"https:\/\/www.agilerates.com\/advice\/auto\/no-deductible-windshield-replacement\/","about":["Auto","Insurance Advice"],"wordCount":710,"articleBody":"Your car\u2019s windshield is covered under the comprehensive portion of your insurance policy. But comprehensive coverage is subject to a deductible, and glass repairs are typically only a few hundred dollars. This means, unless you have no deductible windshield replacement coverage, you pay for windshield repairs yourself. Unfortunately, this causes many windshields to go unfixed. And that isn\u2019t safe because it can impede the driver\u2019s vision. The good news is some states have introduced zero-dollar glass deductibles. This allows drivers to get their windshields replaced at no cost to them.What\u2019s a zero-dollar glass deductible?A zero-dollar glass deductible is a coverage on your car insurance policy that lets the policyholder replace the car\u2019s glass without any out-of-pocket cost. It covers:WindshieldSide windowsRear windowGlass sunroofsQuarter glassVent glassWhich states offer zero-dollar glass deductible coverage?Only two states require insurance carriers to give zero-dollar glass deductibles to everyone with comprehensive coverage. But what\u2019s covered varies slightly.ArizonaIn Arizona, insurance carriers provide zero-dollar glass deductibles for all of the glass in your car \u2013 tempered and safety glass. It covers repairs and replacements.KentuckyKentucky drivers have the same coverage as Arizona drivers \u2013 zero-dollar glass deductible for all of their cars\u2019 glass. However, carriers in this state are required to go a step further.Drivers with comprehensive coverage also have a zero-dollar deductible on anything deemed \u201csafety equipment.\u201d This means plastic, glass, and other materials used in your vehicle\u2019s lights are also 100% covered.What type of coverage do other states offer?Some other states do regulate how insurance companies handle glass coverage. However, these states don\u2019t necessarily cover the glass in your car 100%.ConnecticutIn Connecticut, safety glass is replaced without any out-of-pocket costs to you. This means you don\u2019t have to pay a deductible to repair or replace your windshield or rear window.FloridaIn Florida, your policy includes no deductible windshield replacement. But any other glass in your car is subject to the deductible you choose for your comprehensive coverage.MassachusettsMassachusetts drivers can choose to purchase comprehensive coverage with a zero-dollar deductible. However, this is an option, not a requirement. Also, it\u2019s important to note that the lower your deductible, the higher your premium. So you\u2019ll pay more each month if you don\u2019t have a comprehensive deductible.New YorkLike Massachusetts drivers, New Yorkers can opt to purchase comprehensive coverage without a deductible. This covers glass replacement, but the coverage is an option, not a requirement.South CarolinaSouth Carolina, like Connecticut, doesn\u2019t allow deductibles for safety glass repair or replacement. But the zero-dollar deductible doesn\u2019t apply to tempered glass, so it won\u2019t cover your side windows.FAQsShould you use your car insurance to pay for windshield repair or replacement?If your state offers no deductible windshield replacement, consider using your insurance to fix your windshield. However, keep in mind filing a claim could raise your premiums at your renewal. If you don\u2019t live in a state with zero-dollar glass deductibles, you must compare the repair cost to your deductible amount. If the repairs exceed your deductible, using your insurance might be worth it.Does my insurance policy cover windshield replacement?Windshield coverage varies by policy. To see if your insurance policy covers windshield replacement, read the declarations page or call your insurance company to verify.Will a glass claim raise my insurance rates?Whether a glass claim raises your insurance rates depends on your insurance company\u2019s policy on claims and your past claims history. In most cases, if you\u2019ve never filed a claim or haven\u2019t in the past three years, filing a glass claim shouldn\u2019t raise your rates.Find cheap coverage for your carIf you want to ensure your windshield and the other glass in your car are covered, you need a car insurance policy with comprehensive coverage. Use our quoting tool to compare rates today.Related content:What is Accident Forgiveness?10 States With the Highest Car Insurance Rates In 2023Do You Need Supplemental Glass Coverage For Your Car?Does Car Insurance Cover Theft?Do You Need Gap Insurance for Your Car?Is Car Insurance Tax Deductible? 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