Phoenix area · Tucson area · listed Arizona citiesPhoenix & Tucson areas · plus the listed cities
Arizona windshield replacement lawand full glass coverage, explained.
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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
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
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.
01
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.
02
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.
03
Sunroofs aren’t named
The statute doesn’t mention sunroof or moonroof glass, so your policy’s own terms decide how it’s paid.
04
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.
01Send a photo of the crack, or just the year, make and model.
02Glass out
02On site, the cracked windshield comes out and the frame is cleaned.
DoneCamera checked
03New OEM-quality glass in, and the camera checked on cars that have one.Camera check01Damage
How it works
An Arizona claim, start to finish.
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.
We come to you. Around Phoenix and Tucson, Monday to Saturday, 8am–6pm. On site, the cracked windshield comes out first.
New glass in; we bill your insurer. Most windshields take 30–45 minutes, and we bill your insurer directly for covered work.
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!
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!
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.
01
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.
02
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.
03
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.
04
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 →
Service area
Arizona cities we come to.
The Phoenix area, about 50 miles around Phoenix, the Tucson area, about 30 miles around central Tucson, and the listed cities. Pick yours for its local page.
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.
01
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.
02
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.
03
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.
04
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.
05
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.
06
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.
07
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.
08
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.
09
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.
10
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.
11
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.
12
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.
13
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.
14
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.