Arizona's $0 glass coverage, explained
Full glass coverage, rate protection, and your legal right to pick your own shop — the three Arizona statutes every driver with a cracked windshield should know.
Short answer:windshield replacement in Arizona is often $0 out of pocket — but only if your policy carries the zero-deductible full-glass option insurers must offer under A.R.S. § 20-264. It's elected when the policy is written or renewed, never automatic. We check whether you carry it in about two minutes, free.
Three laws, one result: you're protected
Arizona's desert highways, gravel trucks, and monsoon debris make it one of the heaviest glass-damage states in the country — and Arizona law responded with some of the strongest glass-coverage protections anywhere. Here's what's on the books.
A.R.S. § 20-264
Zero-deductible full glass — insurers must offer it, you must elect it
Arizona law says an insurer writing comprehensive coverage "shall provide at the option of the insured complete coverage for the repair or replacement of all damaged safety equipment without regard to any deductible." Read that carefully: the insurer must OFFER it, and you must have ELECTED it when the policy was written or renewed. It is never automatic. If you carry it, your glass claim is $0 out of pocket. If you don't, ordinary comprehensive terms apply — and we'll tell you which before any work.
Read the statute on azleg.gov ↗A.R.S. § 20-263
An accident you didn't cause can't raise your premium
Arizona insurers may not increase your premium as a result of an accident not caused or significantly contributed to by you. A rock thrown up by I-10 traffic is not your fault — which is why a comprehensive glass claim is normally one of the safest claims you can file. Rating practices still vary by carrier.
Read the statute on azleg.gov ↗A.R.S. § 20-469
You choose the glass shop — by law
Arizona gives you the right to choose any glass repair facility for a motor vehicle glass loss. If your insurer recommends one of their network shops, the same statute requires them to tell you, at the same time, that the choice is yours.
Read the statute on azleg.gov ↗The fine print that matters: full glass is an option you add
Arizona's $0-deductible glass isn't automatic — it's an option your insurer is required to offerwith comprehensive coverage. Many Arizona drivers carry it (often for a few dollars a month) without remembering they added it. Not sure? We check it with you in about two minutes before any work is scheduled, free. And if you don't carry it, you'll get an honest self-pay quote instead of a surprise.
Who qualifies for $0
Comprehensive + the full-glass option elected
You're the $0 case: A.R.S. § 20-264(B) reaches the windshield, door glass, and rear window — no deductible.
Comprehensive only
Glass is covered, but your normal comprehensive deductible applies. You can add the full-glass option at renewal — your insurer must offer it.
Liability only
Glass isn't covered — you'd self-pay, with a clear, no-pressure quote before any work.
Not sure which one you are? Your declarations page will say — or skip the paperwork and let us verify it with you, free.
Will a glass claim raise my rates in Arizona?
Normally, no — and Arizona is one of the few states with a statute on the point. Glass claims run under comprehensivecoverage and are treated as not-at-fault events: a rock thrown up by a passing truck is the textbook example of an accident you didn't cause. A.R.S. § 20-263 bars an insurer from raising your premium as a result of an accident you did not cause or significantly contribute to.
Rating practices still vary by carrier, so if it matters to you, ask yours how a comprehensive glass claim is treated on your policy — and we will never pressure you to file.
General information, not legal or insurance advice — coverage and rating details vary by policy and carrier.
How an Arizona glass claim works with us
We help you file your claim — you stay in control, we do the legwork.
Tell us what broke
30 seconds with the form below, a call, or a text — your vehicle, the glass, and where the car will be.
We verify your coverage — free
We confirm whether your policy carries the § 20-264 full-glass option before anything is scheduled, so there are no surprises.
We get your insurer on the phone together
You approve, we do the talking and the claim paperwork — start to finish. You stay in control of your claim.
Appointment set on the same call
No callbacks, no phone tag. Next-day appointments in most areas.
We come to you
Home, work, or roadside, anywhere in Arizona. Most jobs take 30–45 minutes — OEM-quality glass, ADAS calibration when your vehicle needs it, and a lifetime workmanship warranty.
Anywhere in Arizona — from Phoenix and Tucson to the towns between. See every Arizona city we serve.
If your insurer pushes back
It rarely comes to this, but the law is on your side. A.R.S. § 20-469 requires that when an insurer recommends a glass shop, it must tell you — at the same time — that the choice of facility is yours. If the glass line keeps steering, a calm "I'm choosing my own shop, as Arizona law allows" is usually the end of it; ask for the glass desk or a supervisor if it isn't.
If the problem persists, you can file a consumer complaint with the Arizona Department of Insurance and Financial Institutions (difi.az.gov), the state's insurance regulator. And you can always call us at (877) 994-5277 and we'll get on the line with your carrier together — that's how most of our insurance claims run anyway.
No full-glass option? What self-pay looks like
If your policy doesn't carry the § 20-264 option, you can use standard comprehensive (your deductible applies) or self-pay. What drives the price of a windshield replacement is the glass itself: the type of glass your trim level takes, whether a forward-facing camera means the job includes ADAS recalibration, and your exact vehicle. You'll get a clear, no-pressure quote for your exact vehicle and glass before any work begins — never a surprise after.
Worth doing either way: at your next renewal, ask your insurer to add the full-glass option. They're required to offer it, and it's the difference between this page's $0 story and a deductible next time.
Arizona glass insurance FAQs
Is windshield replacement $0 in Arizona?+
It can be — if your auto policy includes full glass coverage. Under A.R.S. § 20-264, every insurer that sells comprehensive coverage in Arizona must offer you the option of full safety-glass coverage with no deductible. If you added that option (many Arizona drivers have, and it's often only a few dollars a month), your windshield replacement is covered with nothing out of pocket. If you only carry standard comprehensive, your normal deductible applies.
How do I find out if I carry full glass coverage?+
Check your declarations page — the summary page of your policy — for a line reading "full glass," "safety glass," or "glass coverage: no deductible." If you'd rather skip the paperwork, tell us your carrier and we check it with you in about two minutes, free, before anything is scheduled.
Can my insurance company make me use their glass shop?+
No. Under A.R.S. § 20-469 ("Motor vehicle loss; choice of glass repair facility"), you have the right to choose any glass repair facility. If your insurer recommends a shop, the law requires them to tell you — at the same time — that the choice is yours.
Does full glass coverage include door glass, back glass, and sunroofs?+
For door and window glass, yes — and this is where Arizona is genuinely better than Florida. A.R.S. § 20-264(B) defines the covered "safety equipment" as "the glass used in the windshield, doors and windows and the glass, plastic or other material used in the lights of a motor vehicle." So the zero-deductible option, where you carry it, reaches your door glass and rear window, not just the windshield. Florida's § 627.7288 waiver is windshield-only by comparison. A sunroof is not named in the statute, so that one depends on your policy wording — we confirm your exact coverage before any work.
Is ADAS camera calibration part of the claim?+
When your windshield replacement is a covered claim, the recalibration of the forward-facing camera and driver-assist sensors that the replacement requires is part of completing that repair correctly, and is typically part of the claim. We perform and document calibration to OEM specifications on every windshield that needs it.
Some Phoenix shops offer cash back on glass claims — why don't you?+
We compete on the work instead: OEM-quality glass, ADAS calibration performed and documented to factory spec, and a lifetime workmanship warranty for as long as you own the vehicle. Your claim, done right — no gimmicks attached to it.
General information, not legal or insurance advice — coverage details vary by policy. We confirm yours, free, before any work. Florida driver? Read the Florida windshield law guide.
Carriers Arizona drivers file with most
From our own Arizona job history. Pick yours to see how a glass claim works with them.
Insured with someone else? See every carrier we bill — or just call (877) 994-5277.
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Find out if you qualify for $0
Two minutes to check your Arizona full glass coverage — then we come to you, next-day.
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