Arizona is one of the few states that offer full windshield replacement coverage under certain auto insurance policies. This means that if your windshield is damaged, you may be able to get it replaced at no cost. Understanding how this coverage works, who qualifies, and what the process involves can help drivers take advantage of this benefit.
Does Arizona Have Free Windshield Replacement?
Arizona has a zero-deductible windshield replacement law for drivers who carry comprehensive auto insurance. This law requires insurance companies to cover the full cost of a windshield replacement without charging the policyholder a deductible.
Key Points About Arizona’s Windshield Replacement Coverage
Only applies to comprehensive insurance policies, not liability or collision coverage.
Covers full windshield replacements, not just repairs.
No deductible is required, meaning the driver pays nothing out of pocket.
Insurance companies must allow customers to request OEM-equivalent glass if preferred.
Drivers who only have liability insurance are not eligible for free windshield replacement under this law and would need to cover the cost themselves.
How to Qualify for Free Windshield Replacement in Arizona
To be eligible for a no-cost windshield replacement, Arizona drivers must have a comprehensive auto insurance policy. If a windshield is damaged due to road debris, weather conditions, or other non-collision events, the replacement will be covered.
Who Qualifies for Free Windshield Replacement?
Drivers with comprehensive coverage on their auto insurance policy.
Vehicles registered in Arizona where the law applies.
Windshields damaged by rocks, road debris, hail, or other covered incidents.
Checking with your insurance provider is the best way to confirm if your policy includes windshield replacement coverage.
What Types of Damage Are Covered?
Comprehensive insurance covers windshield damage that occurs from non-collision events.
Types of Windshield Damage Covered
Cracks and chips caused by rocks or road debris.
Damage from extreme weather, such as hail or strong winds.
Stress fractures due to sudden temperature changes.
Vandalism or other non-accident-related incidents.
If the damage is due to a car accident, the windshield replacement would be covered under collision insurance, not comprehensive insurance.
Does Insurance Cover Windshield Repairs in Arizona?
Many insurance companies will also cover windshield repairs in addition to full replacements. Since repairing a small chip or crack is cheaper than replacing the entire windshield, most insurers encourage early repairs to prevent further damage.
Benefits of Windshield Repairs Over Replacement
Repairs are faster, often completed in 30 minutes or less.
No need to replace the original factory seal on the windshield.
Prevents small chips from spreading into larger cracks.
If a chip or crack is smaller than a quarter, a repair is often the best option. Insurance companies typically cover repairs at no cost to the driver.
How to Get a Free Windshield Replacement in Arizona
If you need a windshield replacement and have comprehensive insurance, the process is simple.
Steps to Get Your Windshield Replaced
Contact an auto glass repair company and schedule a mobile or in-shop appointment.
Provide your insurance information to confirm coverage.
Select the type of glass—OEM or OEM-equivalent options are available.
Allow the technician to replace the windshield, which typically takes 30 to 60 minutes.
Follow curing time recommendations before driving to ensure a secure bond.
Most auto glass companies handle the insurance claim process for you, making it a hassle-free experience.
Can You Choose Any Auto Glass Company for Replacement?
Arizona law allows drivers to choose their preferred auto glass company for windshield replacement. Insurance companies may recommend certain providers, but policyholders are not required to use them.
Choosing the Right Auto Glass Provider
Look for certified technicians with experience in windshield installation.
Choose a company that uses OEM or OEM-equivalent glass.
Confirm that the provider works directly with insurance companies to simplify the claim process.
Ensure the company offers a lifetime warranty on the replacement.
Selecting a reputable auto glass company helps ensure a high-quality installation and long-lasting windshield durability.
Final Thoughts: Does Arizona Cover Free Windshield Replacement?
Arizona’s zero-deductible windshield replacement law makes it easy for drivers with comprehensive insurance to replace a damaged windshield at no cost. By working with a professional auto glass company, policyholders can take advantage of this benefit and ensure their vehicle remains safe and road-ready.
If your windshield is cracked or chipped, contact Bang AutoGlass for fast, professional mobile replacement services covered by insurance. Fixing your windshield now can help prevent further damage and keep you safe on Arizona’s roads.
