Auto Insurance Glass Coverage

If the glass windows of your car are damaged by anything other than a collision with another vehicle, your auto insurance glass coverage – or comprehensive coverage – should pay. However, if you file an auto insurance glass coverage claim, your monthly rate could increase by as much as $30 and cost you over $1,700 per year. Read more about auto insurance for glass damage.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Jul 19, 2021

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A small crack in your windshield can become a bigger problem if you hesitate to repair it. So, should you file a comprehensive coverage auto glass claim? Is the cost of the repair out of pocket cheaper or more expensive than your deductible, monthly rate, and the total cost over the next year really worth an auto insurance glass replacement?

If the glass windows of your car are damaged by anything other than a collision with another vehicle, then you may be able to repair your windows or windshield at a fairly low cost.

But there are some situations in which replacing your broken glass may cost you a pretty penny – as well as a hike in your monthly rates. To learn all about how to replace or repair broken glass in your car, just keep reading.

If you are seeking auto insurance glass coverage, enter your zip code into our free comparison tool above to find affordable auto insurance quotes now.

Types of Coverage That Cover Glass Repair

The vast majority of the time, if you have to repair or replace your car’s glass, the claim you filed will be covered by your comprehensive coverage. More and more auto insurance companies such as Geico and Progressive are offering an auto insurance glass coverage deductible as low as no cost to you. The smaller the crack, the less it will cost you.

However, if the damage is more extensive (any crack wider than, say, a dollar bill) or if you have to have an entire piece of glass replaced, you may have to pay your deductible. Additionally, depending on your insurance company, you may be facing more expensive premiums the next time you renew your policy.

Average Premiums Before and After Filing a Comprehensive ClaimLegend: No Claims Filed Windshield Replacement Claim AlabamaWyomingCaliforniaOklahomaNevadaColorado 153045607590105120135150165180$127$150$128$151$164$194$131$155$112$132$130$153

If adding comprehensive coverage to your auto policy doesn’t fall comfortably into your budget, or if you’d rather just save money by purchasing less coverage, some companies will offer a separate covered glass endorsement that you can add to your policy. In the event that your glass is damaged or broken by anything other than it Collision, you may be able to get it repaired without having to pay a deductible first. Again, most auto insurance companies are dropping the practice of raising your monthly premiums after filing a glass repair claim. But not all companies are so forward-thinking. Be sure to check with your insurance agent to find out whether they raise premiums after broken glass claims.

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How Much You Should Expect to Pay for Glass Replacement/Repair

Repairing broken glass on your car is the least expensive when it is a small crack and can be easily filled in by a professional auto glass repair body shop. These days, most car insurance companies are not even charging a deductible for these repairs, regardless of which type of coverage your claim falls under.

As we stated earlier, it’s more likely than not that your comprehensive auto glass coverage will apply to a glass repair claim. If this is the case, especially if the damage is extensive or you have to replace a window or your windshield, you will likely be asked to pay your deductible first. This is especially true in the event of a replacement, because it breaks the factory seals on your car and makes it more likely that you will need replacement glass in the future. This poses a higher financial risk to your insurance company, and they will pass some of that risk on to you in the form of a higher premium.

Luckily, most glass repair work isn’t going to break your wallet, even if you have to pay for everything 100% out of pocket. Whether you drive end affordably-priced sedan, a pickup truck, a moderately priced SUV, or even a Tesla, repairing a small crack in your car is glass should cost you less than $150.

If your glass needs to be replaced, however, things start to get a lot more expensive. Depending on your vehicle, how expensive it is, and the type of glass you need in order to drive safely, your new glass can cost you anywhere from $350 to $900 or more.

State Monthly Premium – No Claims Filed Monthly Premium After Windshield Replacement Claim Premium Increase Cost Over 5 Years
Alabama $127 $150 $1,372
Wyoming $128 $151 $1,382
California $164 $194 $1,771
Oklahoma $131 $155 $1,415
Nevada $112 $132 $1,210
Colorado $130 $153 $1,404

Before you choose to get your windshield or windows replaced, you need to do a cost-benefit analysis of the situation. If you drive a newer, expensive car and the repair costs are substantial, then it may benefit you to go ahead and file a claim – even if you have a high deductible and expect an increase in your premiums.  Under other circumstances, however, it may be more economical to just bite the bullet and take care of the repairs yourself. Whether or not you file a claim depends entirely on the personal circumstances surrounding your glass repair needs.

Most insurance companies these days are offering pretty good deals on glass repair coverage. But if your car insurance company is stuck in the stone age and expect you to pay an arm and a leg to get your glass repaired or replaced, it might be time to start shopping around for a new provider. We’ll be happy to help you with that – all you need to do is provide your ZIP code and we can find you fast, free quotes on your next policy.


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