Does car insurance cover broken windows?
Car insurance covers broken windows if you have collision and comprehensive coverage. Comprehensive insurance applies if someone breaks your car window, but collision insurance covers a window breakage caused by an accident. To guarantee that you have a car insurance policy to cover a broken window, you can add these types of coverage for less than $40 per month.
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Written by
D. Gilson, PhD
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Reviewed by
Leslie Kasperowicz
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UPDATED: Jul 11, 2021
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- A broken window is usually not covered by the state-mandated minimum car insurance
- If you’re in an accident, your collision coverage may be able to help pay the expense of repairing or replacing your windshield, while comprehensive coverage can cover non-accident causes
- You may have to pay a deductible before your insurance covers the loss, just as you would with other claims
When your car windows are damaged, your first question will be, “Does car insurance cover broken windows?”
This guide will tell you exactly how and if a broken car window is covered.
Your broken windows may be covered depending on the type of car insurance you have. It also depends on the cause of the breakage.
Your policy may cover the price of repairing or replacing your broken glass. That’s why you should always compare car insurance before buying and get multiple care insurance quotes to get the right policy.
Before learning more about if car insurance covers broken windows, enter your ZIP code in our free tool to buy car insurance from top companies near you.
Table of Contents
Does car insurance cover window replacement?
Broken car windows are typically not covered by standard insurance policies unless caused by a car accident. If your car’s windows are broken because you’ve been in an accident, your insurer may reimburse you the cost after you have paid your deductible.
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Which car insurance covers broken windows?
Beyond the standard basic car insurance plan, two types of coverage can protect you in the case of a broken car window.
Collision Insurance
Collision coverage is a (usually cheap) type of insurance that protects you if the damage to your window was caused by a hit and run or an accident with an uninsured driver. You can add it to your insurance for around $25 monthly.
If you’ve got into an accident and are not at fault, though? The other party’s insurer should pay for your glass repair.
Comprehensive Insurance
Comprehensive is a type of physical damage insurance that pays to restore your car up to its fair market value following nearly any non-collision incident.
Full glass coverage is usually included in a comprehensive policy. It’s an optional extra offered by many of the best insurance companies to repair or replace any broken glass on your vehicle.
You may also be curious, does car insurance cover broken windows from theft? A comprehensive policy does, which is just another reason to add this coverage.
If you want to know how much that might cost, here are the average annual car insurance rates you can expect to pay by state.
| States | Average Annual Comprehensive Rates |
|---|---|
| Alabama | $163 |
| Alaska | $141 |
| Arizona | $195 |
| Arkansas | $206 |
| California | $98 |
| Colorado | $208 |
| Connecticut | $133 |
| Delaware | $127 |
| District of Columbia | $230 |
| Florida | $128 |
| Georgia | $165 |
| Hawaii | $104 |
| Idaho | $125 |
| Illinois | $132 |
| Indiana | $126 |
| Iowa | $197 |
| Kansas | $254 |
| Kentucky | $149 |
| Louisiana | $226 |
| Maine | $105 |
| Maryland | $158 |
| Massachusetts | $140 |
| Michigan | $155 |
| Minnesota | $192 |
| Mississippi | $220 |
| Missouri | $194 |
| Montana | $247 |
| Nebraska | $240 |
| Nevada | $116 |
| New Hampshire | $112 |
| New Jersey | $129 |
| New Mexico | $185 |
| New York | $174 |
| North Carolina | $130 |
| North Dakota | $241 |
| Ohio | $125 |
| Oklahoma | $241 |
| Oregon | $98 |
| Pennsylvania | $154 |
| Rhode Island | $135 |
| South Carolina | $190 |
| South Dakota | $284 |
| Tennessee | $154 |
| Texas | $224 |
| Utah | $116 |
| Vermont | $136 |
| Virginia | $142 |
| Washington | $111 |
| West Virginia | $210 |
| Wisconsin | $144 |
| Wyoming | $272 |
| Countrywide | $154 |
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Hopefully, this guide has told you everything you need to know about car insurance and broken windows. To find the best coverage for you, enter your zip code into our free tool and compare affordable car insurance in your area right now.
Frequently Asked Questions: Does car insurance cover broken windows?
#1 – What repairs does car insurance cover?
Regular repairs aren’t covered, but if you have collision and comprehensive insurance, then repairs from an accident, vandalism, or bad weather will be covered.