Arizona's $0 glass coverage, explained
Full glass coverage, rate protection, and your legal right to pick your own shop — the three Arizona statutes every driver with a cracked windshield should know.
When is an Arizona windshield deductible $0?
Arizona does not make every windshield replacement $0. Under A.R.S. § 20-264(A)–(B), insurers writing comprehensive private-passenger coverage must offer optional coverage for damaged safety equipment — including glass — without a deductible. Your deductible is $0 only when your policy includes that option. We verify coverage free, before any work.
In Bang AutoGlass billed job records through August 7, 2026, 5,282 of 6,124 insured Arizona windshield replacements with a known deductible (86.3%) recorded a $0 deductible. That is our job history, not a guarantee for your policy — the $0 outcome depends on the optional coverage above.
Reviewed August 2026 against A.R.S. §§ 20-263, 20-264 and 20-469.
Three Arizona laws that shape a glass claim
Arizona law addresses optional zero-deductible safety-equipment coverage, premium treatment after accidents you did not cause, and your right to choose a glass shop.
A.R.S. § 20-264
Optional zero-deductible safety-equipment coverage
Under A.R.S. § 20-264(A), an insurer writing comprehensive private-passenger coverage must offer complete coverage for damaged safety equipment without a deductible, at the insured's option. Subsection (B) defines safety equipment to include glass used in the windshield, doors and windows, plus specified light materials. The option is not automatic; your policy must include it.
Read the statute on azleg.gov ↗A.R.S. § 20-263
Premium protection after an accident you did not cause
A.R.S. § 20-263 says an insurer may not increase a motor-vehicle premium as a result of an accident the insured did not cause or significantly contribute to. How a specific comprehensive glass claim is rated still varies by carrier and policy.
Read the statute on azleg.gov ↗A.R.S. § 20-469
Your right to choose the glass shop
Under A.R.S. § 20-469, you may choose any glass repair facility for a motor-vehicle glass loss. If your insurer recommends a facility, the same statute requires it to tell you, at the same time, that the choice of facility is yours.
Read the statute on azleg.gov ↗The fine print that matters: full glass is an option you add
Arizona's $0-deductible glass isn't automatic — it's an option your insurer is required to offerwith comprehensive coverage, and your policy must include it. Not sure? We check it with you — free, before any work is scheduled. And if you don't carry it, you'll get a clear self-pay quote instead of a surprise.
Who qualifies for $0
Comprehensive + the full-glass option elected
Under A.R.S. § 20-264(A), your deductible is $0 when your policy includes the optional coverage. Subsection (B) defines the covered safety equipment — windshield, door and window glass.
Comprehensive only
Glass is covered, but your normal comprehensive deductible applies. You can ask your insurer to add the full-glass option — they must offer it.
Liability only
Glass isn't covered — you'd self-pay, with a clear, no-pressure quote before any work.
Not sure which one you are? Your declarations page will say — or skip the paperwork and let us verify it with you, free.
No full-glass option? What self-pay looks like
If your policy doesn't carry the § 20-264 option, you can use standard comprehensive (your deductible applies) or self-pay. What drives the price of a windshield replacement is the glass itself: the type of glass your trim level takes, whether a forward-facing camera means the job includes ADAS recalibration, and your exact vehicle. You'll get a clear, no-pressure quote for your exact vehicle and glass before any work begins — never a surprise after.
Worth doing either way: at your next renewal, ask your insurer to add the full-glass option. They're required to offer it, and it's the difference between this page's $0 story and a deductible next time.
Will a glass claim raise my rates in Arizona?
Arizona has a statute on the point: A.R.S. § 20-263 restricts an insurer from increasing a motor-vehicle premium as a result of an accident the insured did not cause or significantly contribute to. How a particular glass loss is treated depends on the facts, your carrier, and your policy.
Rating practices still vary by carrier, so if it matters to you, ask yours how a comprehensive glass claim is treated on your policy — and we will never pressure you to file.
General information, not legal or insurance advice — coverage and rating details vary by policy and carrier.
How an Arizona glass claim works with us
We help you file your claim — you stay in control, we do the legwork.
Tell us what broke
Use the form below, a call, or a text — your vehicle, the glass, and where the car will be.
We verify your coverage — free
We confirm whether your policy carries the § 20-264 full-glass option before anything is scheduled, 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.
We come to you
Home, work, or roadside across Arizona. Most jobs take 30–45 minutes — OEM-quality glass, ADAS calibration when your vehicle needs it, and a lifetime workmanship warranty.
Across Arizona — from Phoenix and Tucson to the towns between. See the Arizona cities we serve.
If your insurer pushes back
A.R.S. § 20-469 requires that when an insurer recommends a glass shop, it must tell you — at the same time — that the choice of facility is yours. If the glass line keeps steering, you can say you are choosing your own shop, as Arizona law allows, and ask for the glass desk or a supervisor if needed.
If the problem persists, you can file a consumer complaint with the Arizona Department of Insurance and Financial Institutions (difi.az.gov), the state's insurance regulator. And you can always call us at (877) 994-5277 and we'll help you sort it out with your carrier — see how we handle insurance claims.
Arizona glass insurance FAQs
Is windshield replacement $0 in Arizona?+
It can be — if your auto policy includes full glass coverage. Under A.R.S. § 20-264, every insurer that sells comprehensive coverage in Arizona must offer you the option of full safety-glass coverage with no deductible. If your policy includes that option, your windshield replacement is covered with nothing out of pocket. If you only carry standard comprehensive, your normal deductible applies.
How do I find out if I carry full glass coverage?+
Check your declarations page — the summary page of your policy — for a line reading "full glass," "safety glass," or "glass coverage: no deductible." If you'd rather skip the paperwork, tell us your carrier and we check it with you, free, before anything is scheduled.
Can my insurance company make me use their glass shop?+
No. Under A.R.S. § 20-469 ("Motor vehicle loss; choice of glass repair facility"), you have the right to choose any glass repair facility. If your insurer recommends a shop, the law requires them to tell you — at the same time — that the choice is yours.
Does full glass coverage include door glass, back glass, and sunroofs?+
For door and window glass, yes. A.R.S. § 20-264(B) defines the covered "safety equipment" as "the glass used in the windshield, doors and windows and the glass, plastic or other material used in the lights of a motor vehicle." So the zero-deductible option, where you carry it, reaches your door glass and rear window, not just the windshield. Florida's § 627.7288 waiver is windshield-only by comparison. A sunroof is not named in the statute, so that one depends on your policy wording — we confirm your exact coverage before any work.
Is ADAS camera calibration part of the claim?+
When your windshield replacement is a covered claim, the recalibration of the forward-facing camera and driver-assist sensors that the replacement requires is part of completing that repair correctly, and is typically part of the claim. We perform and document calibration to OEM specifications on every windshield that needs it.
Some shops offer something of value to file a glass claim — why don't you?+
We compete on the work instead: OEM-quality glass, ADAS calibration performed and documented to factory spec, and a lifetime workmanship warranty for as long as you own the vehicle. Your claim, done right — no gimmicks attached to it.
General information, not legal or insurance advice — coverage details vary by policy. We confirm yours, free, before any work. Florida driver? Read the Florida windshield law guide.
Carriers Arizona drivers file with most
From our own Arizona job history. Pick yours to see how a glass claim works with them.
Insured with someone else? Browse all carrier claim guides — or just call (877) 994-5277.
Check your Arizona glass coverage
We verify whether your policy includes optional zero-deductible full-glass coverage before any work. Next-day service is available in most areas.