Glass insurance, decoded
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: in both Arizona and Florida, a windshield replacement is often $0 out of pocket. Florida waives your comprehensive deductible on the windshield (Fla. Stat. § 627.7288, windshield only); Arizona lets you carry optional zero-deductible full glass coverage every insurer must offer (A.R.S. § 20-264). We confirm your exact coverage — free — before any work.
Check your $0 eligibility
Pick your state and insurer for a plain-English read on how your coverage works.
Arizona has an optional $0-glass add-on.
If your Arizona policy includes the optional zero-deductible glass coverage (A.R.S. § 20-264), it's often $0; otherwise your comprehensive deductible applies. Many Arizona drivers carry the add-on for just a few dollars a month.
We verify your exact policy before any work — get a free check.
General information, not legal or insurance advice — coverage varies by policy. We confirm yours, free, before any work.
Pick your state guide
Plain-English breakdowns of the law that gets most drivers to $0 — and how to keep the shop choice yours.
Auto glass insurance FAQs
Is windshield replacement free with insurance in Arizona or Florida?+
Often, yes — but the reason differs by state. In Florida, comprehensive coverage waives your deductible on windshield replacement 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 with you 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.
Will filing a glass claim raise my rates?+
Glass claims are filed under comprehensive coverage and are normally treated as not-at-fault events, so they're among the safest claims to file. Arizona law (A.R.S. § 20-263) bars a premium increase over an accident you did not cause or significantly contribute to; Florida has no equivalent statute, so it depends on your carrier. We never pressure you to file.
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.
Your glass, your choice.
When you file a glass claim, you — not your insurance company — choose who does the work.
Arizona
You have the right to select your own repair facility. Insurers must offer zero-deductible safety-glass coverage (A.R.S. §20-264), and A.R.S. §20-263 bars a premium increase over an accident you did not cause — which is how a rock chip is normally treated.
Florida
You may choose your own shop, and Florida law waives your comprehensive deductible for windshield replacement (Fla. Stat. §627.7288).
The easy way to use that choice: call us first.
We confirm your coverage, then get your insurance company on the phone together and walk the claim through with you — you approve, we do the talking and the paperwork, start to finish, and your appointment gets scheduled on the same call.
General information, not legal or insurance advice — coverage and procedures vary by policy and carrier.
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.
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“Bang AutoGlass made my windshield replacement simple from start to finish.”
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