Does Insurance Cover Windshield Replacement in Arizona?
The short answer
Often, yes. If you have comprehensive coverage, glass damage is usually covered. Arizona requires insurers to offer full glass coverage, and if you have it, a new windshield or chip repair typically costs you nothing out of pocket.
What is full glass coverage?
Full glass coverage is an optional add-on to the comprehensive part of your auto policy. With it, glass damage is covered with no deductible, so a windshield replacement or chip repair usually costs you nothing out of pocket.
Arizona requires auto insurers to offer full glass coverage to drivers who carry comprehensive. That's why so many Arizona drivers have it, and why it's worth checking your policy before you pay cash for a new windshield.
If you have comprehensive with a deductible
Without full glass coverage, glass damage usually falls under your regular comprehensive deductible. If your deductible is $500 and the windshield costs less than that, paying cash may make more sense than filing a claim.
Chip repair is different. Many insurers cover rock chip repairs with no deductible, even without full glass coverage, because a repair costs far less than replacing the whole windshield.
If you only have liability coverage
Liability-only policies cover damage you cause to other people, not damage to your own vehicle, so your glass isn't covered. We'll give you a clear cash price up front so you can decide.
How to check your coverage
Look at your policy's declarations page for "full glass," "glass coverage," or a glass deductible of $0. You can also check your insurer's app, call your agent, or give us a call and we'll help you find out.
How AIM handles your glass claim
- Call us with your policy info. Have your insurance company name and policy number handy.
- We check coverage. We help confirm what your policy covers and what, if anything, you'll pay.
- Claim is filed. We help get the claim started and work with your insurer.
- We fix your glass. Once it's approved, we come to you and complete the work.
Arizona Glass Insurance Questions
This guide is general information, not insurance or legal advice. Your coverage depends on your policy, so check with your insurer or agent.
Chipped or cracked windshield?
Get a free, no-obligation quote. We'll come to your home or work.