How to get your windshield replaced for free?
Asked by: Ashlee Reichel | Last update: November 7, 2025Score: 4.9/5 (66 votes)
Does your insurance go up if a rock hits your windshield?
Insurance companies generally raise rates after windshield repair claims in order to recoup the cost of the claim. However, it's worth noting that insurance companies in California and Oklahoma are not allowed to raise premiums for a not-at-fault claim.
Is it cheaper to replace a windshield without insurance?
If you're getting an aftermarket windshield for an average older vehicle with little to no technology add-ons, you can expect to pay at least $300 to $600 when not using insurance. A luxury model typically costs more.
What states offer free windshield replacement?
Yes, there are three specific states in the United States with free windshield replacement laws on the books, Florida, South Carolina, and Kentucky. Here's how their laws work.
Will insurance pay for windshield replacement?
Comprehensive coverage on a car insurance policy may help pay to repair or replace your windshield if it's cracked or shattered by a rock. Another coverage, called full glass coverage, may also be available to help protect you against the cost of fixing or replacing a windshield.
Utilizing Florida Law Statute 627 to Get Your Windshield Replaced for Free!
Should I file an insurance claim for a cracked windshield?
If your windshield gets chipped or cracked, you should file a comprehensive claim as soon as you can and before you proceed with repairs. Important note: You shouldn't wait too long after the damage occurs to file a glass claim, and the claim should be filed before any repairs take place.
What does $500 deductible with full glass mean?
For instance, if you're considering full glass coverage with a $500 deductible and an additional cost of $5-$10 per month on your premiums, it means that before your insurer covers any repair or replacements due to glass damages on your vehicle's windshield, sunroof, or even side windows during an accident or other ...
Can I get my windshield repaired for free?
Some auto insurance companies will cover glass repairs with no deductible because it costs less than windshield replacement. However, other carriers prefer that damaged windshields be replaced rather than repaired.
How can I save money on a windshield replacement?
- Work with Your Insurance Company. ...
- Get Your Auto Glass Repaired ASAP. ...
- Look for Complimentary Mobile Services. ...
- Shop for Quotes. ...
- Search for Shops that Offer Warranties. ...
- Avoid Aftermarket Parts. ...
- Avoid DIY Repair Kits. ...
- Practice Safe Prevention.
Is Safelite free with insurance?
Yes! We partner with hundreds of insurance companies and will even verify your coverage and file your claim so you can stress less. And as long as you have comprehensive coverage, you'll only be responsible for paying your deductible – all other repair or replacement costs will be covered.
How long does windshield replacement take?
How long does auto glass repair or replacement take? Most windshield repairs can be done in 30 minutes or less, by a trained and experienced auto glass professional. Windshield replacements typically take a bit longer, but usually no more than one hour.
Can a cracked windshield be repaired?
The size and location of a crack or chip will determine if the windshield can be repaired or needs replacement. Chips smaller than a quarter and cracks less than a few inches are usually repairable but if the crack is too deep or too wide it will need replacing.
Who is responsible if a rock hits your windshield?
When a rock from the vehicle in front of you hits your windshield, the first question on your mind might be, “Who's responsible for this?” Unfortunately, in most cases, the answer is you.
Does Safelite waive deductible?
When a Safelite Solutions shop can repair your windshield damage instead of replacing the glass, we waive your deductible, making the repair free to you. If the glass is replaced, you will be responsible only for your deductible for the covered work.
Why are windshields so expensive?
Due to the necessity for unique components and trained professionals, the price of repair or replacement may rise when using such sophisticated materials and designs. These expensive windshields might only be purchasable from the manufacturer or local car dealer.
How much for a windshield without insurance?
Average Cost of Windshield Replacement Without Insurance
On average, the cost of windshield replacement for a standard non–ADAS equipped vehicle is typically between $210 to $500. When it comes to ADAS-equipped vehicles, the price can be higher, reaching up to $1500.
Does AAA replace windshields for free?
Yes, AAA will pay for windshield replacement or repair services for customers who have comprehensive coverage, though a deductible will apply unless state laws or policy details say otherwise. Comprehensive insurance from AAA covers windshields damaged by weather, vandalism and theft, among other things.
Is it better to use insurance or pay out of pocket for windshield replacement?
The Severity of Damage
In these circumstances, paying out of pocket is usually less expensive than submitting an insurance claim. However, if the damage is substantial and the windshield needs to be replaced, using your insurance makes more sense.
Who pays for a cracked windshield?
Comprehensive Coverage
The key to ensuring that you have coverage for a cracked windshield is having comprehensive insurance. The vast majority of cases will be covered under your comprehensive policy, but you have to have a comprehensive policy in the first place.
How much does Safelite charge to come to you?
We'll come to you for free
Home. Work. Wherever.
How do I claim windshield damage?
After the incident occurs, contact your insurance agent. Follow the directions your agent gives you to provide all documentation related to the accident and file your claim. Most insurance companies let you file a claim by a phone call, mobile app, online, or in person.
Do I have to pay a deductible if a rock hits your windshield?
Windshield replacement and glass damage are covered under comprehensive insurance, so you will need to pay your deductible before your insurance will start paying.
Is it better to have a $500 deductible or $1000?
Remember that filing small claims may affect how much you have to pay for insurance later. Switching from a $500 deductible to a $1,000 deductible can save as much as 20 percent on the cost of your insurance premium payments.
Is a pitted windshield covered by insurance?
Pitting normally falls under the "wear-and-tear" exclusion on a personal auto policy in the US. There's no real distinction in an auto insurance policy between "wear-and-tear" and "damage", so it's subjective, but it's safe to say if you took this to court a judge would side with the insurer on that one.
How urgent is a cracked windshield?
Based on this, cracks and chips in the driver's view are likely to lead to a traffic stop.” To avoid an unnecessary traffic stop and potentially worsening damage or unsafe driving environments, it is highly recommended that chipped or cracked windshields be repaired or replaced as soon as possible.