Does Car Insurance Cover a Cracked Windshield?
Usually under comprehensive coverage, subject to your deductible. Some policies and some states offer full glass coverage with no deductible. Here's how glass claims work.
Quick answer
If you carry comprehensive coverage, a windshield cracked by a rock, hail, or a falling branch is usually covered, minus your comprehensive deductible. Some insurers offer full glass coverage with a zero or reduced deductible, and some states require it in certain situations. If you only have liability coverage, glass damage to your own car isn't covered.
Repair vs. replacement
Small chips can often be repaired rather than replaced, and many insurers waive the deductible for repairs. Larger cracks, or cracks in the driver's line of sight, usually mean replacement.
Is it worth a claim?
Compare the cost to your deductible. A hypothetical $450 replacement with a $500 deductible pays nothing. With full glass coverage, it might pay the whole bill. See choosing a deductible.
Things to know
- Advanced driver assistance systems: many newer windshields hold cameras or sensors that need recalibration after replacement, which raises cost.
- Glass claims and premiums: comprehensive glass claims are often treated differently from at-fault accidents, but practices vary.
- Shop choice: you can usually choose your repair shop.
See when to drop collision and comprehensive if you're weighing comprehensive coverage on an older car.
The takeaway
Windshield damage is a comprehensive claim. Check your deductible and whether you have full glass coverage before deciding whether to file.
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