Does insurance cover windshield replacement?
Most drivers in Arizona and Florida can have a windshield replaced for $0 out of pocket — if they know their rights. Pick your state for the plain-English guide.
Short answer: often, yes — usually for $0 out of pocket. Florida waives the comprehensive deductible on windshields (Fla. Stat. § 627.7288, windshield only); Arizona insurers must offer an optional zero-deductible full-glass add-on (A.R.S. § 20-264). We confirm your exact coverage — free — before any work.
Check your $0 eligibility
Pick your state for a plain-English read on how your coverage works.
Arizona has an optional $0-glass add-on.
With the optional zero-deductible glass coverage (A.R.S. § 20-264) it's often $0 — otherwise your comprehensive deductible applies.
General info, not legal or insurance advice. We confirm your exact policy — free — before any work.
$0 by state, at a glance
The two states get most drivers to the same $0 — by completely different routes. Here's exactly which glass each state's law reaches.
| Glass | Arizona | Florida |
|---|---|---|
| Windshield | $0 with the elected full-glass option | $0 with comprehensive — deductible waived |
| Door glass | $0 with the full-glass option | Normal comprehensive deductible |
| Rear glass | $0 with the full-glass option | Normal comprehensive deductible |
| Quarter glass | $0 with the full-glass option | Normal comprehensive deductible |
| Sunroof glass | Depends on policy wording — not named in the statute | Normal comprehensive deductible |
| What makes it $0 | An optional zero-deductible full-glass add-on every insurer must offer — elected at purchase or renewal, never automatic | Comprehensive coverage — the statute waives the windshield deductible on its own |
| The statute | A.R.S. § 20-264 — the Arizona guide | Fla. Stat. § 627.7288 — the Florida guide |
General information, not legal or insurance advice — coverage details vary by policy, and we confirm yours free before any work. Broken side or back glass instead? See door glass replacement and rear glass replacement.
Pick your state guide
Plain-English breakdowns of the law that gets most drivers to $0 — and how to keep the shop choice yours.
How we file the claim — start to finish
You stay in control of your claim. We do the legwork.
Tell us what broke
Use the form, a call, or a text — your vehicle, the glass, and where the car will be.
We verify your coverage — free
Before anything is scheduled, we confirm exactly what your policy covers, so there are no surprises.
We file the claim for you
We verify coverage and handle the claim paperwork start to finish — you stay in control of your claim.
We schedule the appointment
Our team confirms the appointment details. Next-day service is available in most areas across Arizona and Florida.
We come to you
Home, work, or roadside. Most jobs take 30–45 minutes, with ADAS recalibration when your vehicle needs it, a lifetime workmanship warranty, and we bill the insurer directly.
And the shop choice is yours by law in both states — Arizona's A.R.S. § 20-469 and Florida's 2023 reform (Ch. 2023-136) both protect it. If your vehicle carries a camera behind the windshield, the job includes ADAS recalibration to factory spec.
Auto glass insurance FAQs
Does insurance cover windshield replacement?+
Often yes — and often for $0 out of pocket. In Florida, comprehensive coverage waives your windshield deductible entirely under Fla. Stat. § 627.7288 (windshield only). In Arizona, every insurer must offer optional zero-deductible full glass coverage under A.R.S. § 20-264 — if you carry that option, your replacement is $0. We confirm your specific coverage, free, before any work.
Can my insurance company make me use a specific glass shop?+
No. Both states protect your right to choose. Arizona's A.R.S. § 20-469 and Florida's 2023 glass-claim reform (Ch. 2023-136) prohibit insurers from requiring a particular shop or location. Your carrier's glass line may recommend a network provider, but the choice of shop is yours.
Which insurance companies do you work with?+
All carriers are accepted. We've billed dozens of insurers on real jobs across Arizona and Florida — from Progressive, GEICO, and State Farm to regional carriers. We verify your coverage free, file the claim start to finish, and bill the insurer directly. Pick your carrier from the list below to see how a glass claim works with them.
Will filing a glass claim raise my rates?+
Glass claims are filed under comprehensive coverage. Arizona law (A.R.S. § 20-263) restricts an insurer from increasing a premium as a result of an accident the insured did not cause or significantly contribute to; Florida has no equivalent statute. How a particular claim is treated depends on the facts, your policy, and your carrier — and we never pressure you to file.
Does the $0 apply to door glass or rear glass too?+
In Arizona, yes — if the elected full-glass option is on your policy. A.R.S. § 20-264(B) defines the covered safety equipment as the glass used in the windshield, doors, and windows, so the zero-deductible option reaches door glass and the rear window. In Florida, no — § 627.7288 is windshield-only, and other glass takes your normal comprehensive deductible.
What if I don't carry the coverage I need?+
We'll give you a clear, no-pressure self-pay quote for your exact vehicle and glass, and explain any out-of-pocket cost before work begins. You can also add full glass coverage to your policy going forward. Either way, there are no surprises.
General information, not legal or insurance advice — coverage details vary by policy. We confirm yours, free, before any work. For the state-specific rules, read the Arizona full glass coverage guide or the Florida windshield law guide.
Carriers we bill every day
We've billed these carriers on real jobs across Arizona and Florida. Pick yours to see how a glass claim works with them — we verify your coverage free and file the claim for you.
Insured with someone else? We bill every major carrier — just call (877) 994-5277.
4.7★ on Google · 350+ reviews from AZ & FL drivers
“Highly recommend. This business was so helpful to me when I got a crack in my windshield. Daniella was super efficient and thorough. She actually called my insurance company for me and the whole process was really fast. The replacement itself was done the next day.”
“Bang AutoGlass was fantastic from start to finish. They replaced my windshield twice and were consistently quick, responsive, and easy to work with. Super friendly team, great communication, and truly amazing service overall. Highly recommend.”
“The company kept me informed throughout the entire process and were very accommodating in setting up a convenient appointment to change my windshield. The installer was very efficient and detail oriented. The installation was fast and my vehicle was left clean when finished.”
Skip the homework — we'll check for you
Two minutes to confirm your coverage, then we come to you next-day.
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