Does car insurance cover cracked windshields?

Comprehensive car insurance covers cracked windshields, and you don't even have to pay a deductible. Your comprehensive coverage pays for OEM and aftermarket parts. However, $0 deductibles vary for each state. Shop around and compare multiple companies to secure affordable comprehensive auto insurance that covers cracked windshields.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Professor & Published Author D. Gilson, PhD

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Feb 19, 2022

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The Highlights

  • Comprehensive car insurance covers cracked windshields
  • Adding comprehensive insurance costs at least $2 per month
  • It’s best to replace a cracked windshield

Is your windshield broken? As you search for solutions, you may have overlooked car insurance. Does car insurance cover broken windshields?

Our guide explains everything you need to know about how car insurance covers damaged windshields, why you should compare car insurance companies, and how to file a claim for a broken windshield.

After you’re finished learning about car insurance coverage for cracked windshields, enter your ZIP code in the free online quote tool above to compare multiple companies in your local area.

Does car insurance cover cracked windshields?

Your car insurance company covers your damaged windshield under specific conditions. Let’s look at a few examples.

  • Liability Insurance – The other driver was found to be at fault in an accident and your windshield damage is covered by their insurance 
  • Collision Insurance – Your car insurance company provides you with a check to repair or replace after an accident, regardless of fault
  • Comprehensive Insurance – Your car was in an accident that didn’t involve a collision with an object or vehicle (a tree branch fell on your car, or a neighborhood kid threw a baseball through your windshield)
  • Uninsured Motorist Insurance – A hit-and-run driver caused the windshield damage

Out of the four coverage options, a comprehensive policy is the one that covers a damaged windshield outside of car accidents. Comprehensive is optional coverage you will have to add to your auto insurance policy.

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What repairs does car insurance cover?

When it concerns your comprehensive coverage, your auto insurance company covers damage from accidents that involve falling objects, vehicle theft, fire, flooding, etc.

Your liability coverage pays for bodily injury and property damage to another driver when you’re at fault in an accident.

Finally, collision coverage provides compensation for vehicle damages regardless of who’s at fault in an accident.

Should I use insurance to replace a windshield?

The short answer is yes. Save yourself from sudden, out-of-pocket costs. Some comprehensive insurance policies have no deductible for glass repairs.

According to Car Windshields, each state’s law varies for windshield repair and replacement. In some cases, 

Always check if you have to pay a deductible for windshield replacement before filing a claim. If the deductible is higher than the cost of replacement, it doesn’t make sense to file a claim. 

How do I file a claim for a cracked windshield?

First, you’ll need to make sure you have comprehensive insurance. If so, contact your auto insurance company and let them know you want to file a comprehensive claim for a damaged windshield.

Most car insurance companies won’t give you a check to get a windshield repaired, but they’ll provide payment for a replacement windshield.

Minor cracks on a windshield eventually gets worse, so it’s safer to replace the entire windshield.

Even if you were a no-fault driver, comprehensive coverage covers your bases if the other driver doesn’t have enough insurance to cover damages.

Comprehensive coverage adds at least $2 per month to your overall auto insurance bill.

Keep in mind that your car insurance company may ask you to use a specific auto body shop.

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Do claims affect car insurance rates?

Yes, they do. Frequent claims increase your auto insurance rates. Claims for windshields may not affect you that much. However, every car insurance company is different. Find out if your rates will go up before you file an insurance claim, especially if the cost of repairs is around the same amount as your comprehensive deductible or just a little more.

Always read the fine print of your auto policy before signing.

Car Insurance Covers Cracked Windshield: What’s the bottom line?

One of the best windshield repair tips is that you should replace a windshield if it’s cracked. Save your money and use your car insurance policy to cover the cost of the windshield replacement.

Now that you know how car insurance covers cracked windshields, use our free comparison tool below to compare multiple car insurance companies near you and secure the best rates.

Are you looking for free insurance quotes?

Your one-stop online insurance guide. Get free quotes now!

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