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 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 for a not-at-fault claim; 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 not-at-fault glass claim can't raise your premium (A.R.S. §20-263).
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.
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