Dark blue SUV under an adobe-style carport, prickly pear cactus in front and mountains behind

Phoenix & Tucson areasplus the listed cities

Arizona windshield replacement law and full glass coverage, explained.

4.7 on Google 400+ reviews 14,000+ jobs in AZ & FL

A.R.S. § 20-264, often called the Arizona windshield replacement law, makes insurers offer full glass coverage on personal auto policies with comprehensive coverage. It only counts if you chose it, so we read your policy with you before anything is booked.

Get up to $200 cash back per vehicle on windshield replacement.

Amount varies by vehicle and coverage; confirmed before booking. Arizona only. Full glass coverage required. Paid by Zelle after installation. One offer per vehicle; may change or end. See offer details · View full terms

Rather text? (877) 350-5962 · Not sure we cover you? Check your ZIP

Free quote

Your quote and coverage check.

Choose insurance as the way you pay and we look for full glass coverage on your policy before we book. Rather talk it through? Call (877) 994-5277.

  • We look for full glass coverage first
  • We help you file your claim
  • Mobile in the Phoenix and Tucson areas

Get up to $200 cash back per vehicle. Amount varies by vehicle and coverage; confirmed before booking. Arizona only. Full glass coverage required. Paid by Zelle after installation. One offer per vehicle; may change or end. View full terms

Step 1 of 4 · Glass

Which glass?
Your vehicle

Is there a camera behind the rearview mirror?

Unsure? Text us a photo of the glass

Where is the car?

We come to your home or work in the Phoenix and Tucson areas and the Tampa, Orlando, Miami, Jacksonville and West Palm Beach areas.

How are you paying?

Where should we send your quote?

4.7 on GoogleLifetime workmanship warrantyRather text? (877) 350-5962

A.R.S. § 20-264

Full glass coverage, an option you elect: what the law says.

It is two sentences long. Here is the text, then what it means for your policy.

A.R.S. § 20-264

A. Any insurer writing private passenger automobile insurance which includes comprehensive coverage for motor vehicle damage 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.

B. As used in this section, “safety equipment” means the glass used in the windshield, doors and windows and the glass, plastic or other material used in the lights of a motor vehicle.

  1. An option you choose

    Insurers must provide it “at the option of the insured.” If it isn’t on your policy, your comprehensive deductible still applies to glass.

  2. Windshield, door and window glass

    The law’s safety equipment is the glass in the windshield, doors and windows. Your back glass is one of those windows.

  3. Sunroofs aren’t named

    The statute doesn’t mention sunroof or moonroof glass, so your policy’s own terms decide how it’s paid.

  4. Personal auto policies

    It applies to insurers writing private passenger auto policies with comprehensive coverage. A work vehicle on a commercial policy follows that policy.

Driving in Florida? Florida’s windshield rule is different

Do you have full glass coverage?

If you chose it

Look for a
glass line next to comprehensive

  • It may be called full glass or safety glass coverage
  • It sits beside your comprehensive deductible on the declarations page
  • With it, a windshield is often $0 out of pocket

Can’t find it? Text a photo of the page to (877) 350-5962 and we’ll read it with you.

Check my coverage

If you didn’t

Comprehensive
still pays after your deductible

  • Most glass claims (rocks, road debris) go under comprehensive coverage
  • Your comprehensive deductible applies
  • A liability-only policy doesn’t cover glass

We price it both ways, so you can compare the deductible with paying yourself.

Get my free quote
A windshield with a stone-chip break and one long crack, seen from the front passenger seat, with a parking lot and palm trees outside.
Send a photo of the crack, or just the year, make and model.
The same view from the front passenger seat with the windshield removed and the bare frame edge showing against a sunny lot.
On site, the cracked windshield comes out and the frame is cleaned.
Clear new windshield glass seen from the front passenger seat, looking out at palm trees in a parking lot.
New OEM-quality glass in, and the camera checked on cars that have one.

How it works

An Arizona claim, start to finish.

  1. Tell us the car, and we check for full glass. Online, by phone or by text. We match the glass to your VIN, look for full glass coverage on your policy with you and help you open the claim.

  2. We come to you. Around Phoenix and Tucson, Monday to Saturday, 8am–6pm. On site, the cracked windshield comes out first.

  3. New glass in; we bill your insurer. Most windshields take 30–45 minutes, and we bill your insurer directly for covered work.

Arizona offer

Qualifying full glass claims in Arizona can get cash back.

Get up to $200 cash back per vehicle on windshield replacement.

  • Amount depends on your vehicle and coverage. We confirm the exact amount before we schedule.
  • Arizona only. Not available in Florida or other states.
  • Available to drivers with full glass coverage.
  • Paid by Zelle after the installation.
  • One offer per vehicle. Offer may change or end at any time.
  1. Get in touch

    Call, text a photo, or ask for a quote online.

  2. Confirm coverage

    We check your policy for full glass coverage and confirm your cash-back amount before scheduling.

  3. Replace your glass

    We bring OEM-quality glass to you and complete the mobile installation.

  4. Receive Zelle payment

    We pay you by Zelle after the installation.

Reviews from Arizona drivers

4.7 on Google from 400+ reviews

The technician arrived on time, did excellent work, and made sure everything was installed correctly before leaving. The quality of the windshield and workmanship exceeded my expectations, and the pricing was fair and transparent.

Daniel EvansGoogle review · Phoenix profileAugust 20, 2026
  • Great service! Tech had good communication and now I have a new windshield, looks awesome thanks Bang!

    Cole BradleyGoogle review · Phoenix profileAugust 19, 2026
  • Great company to work with! Super efficient on helping my with my cracked windshield and they even follow up with making sure it’s held up well over the year! Definitely recommend!

    Ashley OngGoogle review · Phoenix profileJune 9, 2026
  • Quick and easy process from setup to install.

    Tyler KimballGoogle review · Phoenix profileAugust 11, 2026

Our Google profiles

The 4.7 and 400+ come from our Google profiles in both states.

Read more reviews

A.R.S. §§ 20-469, 20-463.02

Who picks the shop, and what it must tell you.

Arizona lets you choose the shop, with one condition written into the law itself. A second law says what the shop tells you about the camera.

A.R.S. § 20-469

Unless otherwise prescribed by contract, a person in this state has the right to choose any glass repair facility for the repair of a loss relating to motor vehicle glass. If an insurer recommends or provides information about a glass repair facility, the insurer shall inform the person of this right at the same time as making the recommendation or providing the information.

  1. Any shop, unless the contract says otherwise

    You can choose any glass shop for a glass loss, unless your policy contract says otherwise. If you aren’t sure, ask your insurer or check the policy.

  2. When your insurer suggests a shop

    An insurer that recommends a glass shop, or gives you information about one, has to tell you at the same time that you can choose.

  3. Naming us

    If you want us to do the work, give your insurer our name and number, (877) 994-5277, when you open the claim.

  4. What the shop must tell you about the camera

    A.R.S. § 20-463.02 says that when a vehicle has an advanced driver assistance system, the glass shop must tell the customer “if a recalibration of that system is required” and, if one is performed, “that it must meet or exceed the vehicle manufacturer’s specifications.” The shop must also give the customer “an itemized description of the work to be done on the vehicle.” About ADAS calibration

Arizona windshield coverage questions.

Not sure what your policy says? Call (877) 994-5277, answered 24/7, or send a photo of your declarations page by text to (877) 350-5962.

Does insurance cover windshield replacement in Arizona?

Usually, under the comprehensive part of your policy, but no Arizona law pays for it on its own. A.R.S. § 20-264 makes insurers offer full glass coverage on personal auto policies that include comprehensive coverage, and you decide whether to add it. With it, the windshield is paid without your deductible. Without it, your comprehensive deductible applies.

I have a comprehensive deductible. Does full glass coverage change that?

Yes, for the glass it names. If you chose full glass coverage, covered windshield, door and window glass is paid without regard to that deductible (A.R.S. § 20-264). If you didn’t, your comprehensive deductible comes off first and comprehensive pays the rest. We look at your policy with you before booking.

Is it worth using insurance for a windshield in Arizona?

Compare your deductible with a cash price. We give you both before anything is booked, so the choice is yours. Whether a glass claim affects your rates is up to your insurer, so ask your agent.

How do I know if I have full glass coverage?

Look at your declarations page for a glass line beside your comprehensive deductible, or ask your agent. You can also send us a photo of the page and we’ll go through it with you before anything is booked.

Does full glass coverage include door and back glass?

The law names the glass in the windshield, doors and windows, so door glass and back glass are inside it. How your insurer words the coverage is in your policy, and we check it with you.

Is a sunroof covered by full glass coverage?

The statute doesn’t name sunroof glass. Your policy’s terms decide whether it’s paid and which deductible applies, so we check before booking. Sunroof glass replacement.

Will a glass claim raise my rates in Arizona?

Ask your insurer or agent. Rating rules vary by company and policy, and we can’t predict them. We can also quote it as a cash job, so you can compare.

Do I have to use the shop my insurer recommends?

Under A.R.S. § 20-469 you can choose any glass shop unless your policy contract says otherwise, and an insurer that suggests a shop has to tell you that you can choose.

Does full glass coverage apply to a company vehicle?

The statute covers private passenger auto policies. A vehicle on a commercial policy follows that policy’s glass terms, and we check them the same way. Fleet auto glass.

What if I only have liability coverage?

Liability-only policies don’t pay for your own glass. You can still get a free quote and pay for the replacement yourself.

Who pays when a rock hits your windshield in Arizona?

Usually your own policy. Rock and road-debris damage is normally claimed under comprehensive coverage, so full glass coverage, or your comprehensive deductible if you don’t have it, decides what you pay. We check your policy with you before booking.

Is it illegal to drive with a cracked windshield in Arizona?

No Arizona statute names cracks or sets a size. A.R.S. § 28-957.01 asks for an adequate windshield and § 28-981 for a car that is safe to drive, so it depends on your glass. With a crack in the driver’s view, replacing the windshield is the safer move. Arizona’s cracked-windshield law, explained.

Do you offer cash back on windshield replacement in Arizona?

Yes. Bang AutoGlass offers up to $200 cash back per vehicle. The amount depends on your vehicle and coverage, and we confirm it before scheduling. Arizona only. Full glass coverage is required. We pay by Zelle after the installation. One offer is available per vehicle, and the offer may change or end. View full terms.

How and when is the cash back paid?

It is paid by Zelle after the installation. We confirm the exact amount before scheduling.

Mon–Sat, 8am–6pm

With or without full glass coverage? We’ll check your policy and come to you.

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