What You Should Know
- The best car insurance companies that over car windows are USAA and GEICO
- Collision and comprehensive insurance protect your car if your windows break
- Some providers also offer additional windshield replacement coverage
In many cases, your car insurance provider will cover a broken car window, but the best car insurance companies that cover car windows are typically USAA and GEICO.
Below, learn how to get cheap car insurance from companies that cover car windows and discover when to file a broken car window insurance claim.
After comparing car insurance quotes from companies that cover car windows, remember to enter your ZIP code into our free tool above to compare rates from the top providers near you.
You may be wondering, does car insurance cover broken windows? Fortunately, there are many affordable car insurance companies that cover car windows.
But how well you're covered depends on what type of insurance you carry and how the window broke.
A basic policy usually does not replace broken windows. But full coverage insurance often does.
Below, compare the average annual full coverage insurance rates from the top providers to help you determine the best car insurance company that covers car windows for you:
- USAA Car Insurance Company - $2,391.57
- GEICO Car Insurance Company - $2,802.43
- State Farm Car Insurance Company - $3,002.97
- Travelers Car Insurance Company - $3,284.71
- Progressive Car Insurance Company - $3,533.14
- Farmers Car Insurance Company - $3,603.09
- Allstate Car Insurance Company - $4,159.06
- Nationwide Car Insurance Company - $5,156.69
- Liberty Mutual Car Insurance Company - $5,562.72
Luckily, there aren’t really any affordable car insurance companies that don't cover car windows. But our top recommended providers for window coverage include USAA and GEICO.
USAA is only available for military personnel and their families. But if you qualify, USAA offers some of the lowest rates throughout the country.
The company also partners with Safelite and offers additional windshield repair and replacement glass coverage through the USAA Auto Glass Network.
Plus, if the windshield can be repaired rather than replaced, USAA waives your comprehensive insurance deductible.
You can also invest in GEICO full glass coverage. GEICO is available to any driver and often provides competitively priced quotes comparable to USAA.
Like USAA, GEICO also waives your comprehensive insurance deductible if the windshield can be repaired rather than entirely replaced.
Similarly, State Farm windshield coverage is another strong option. The provider partners with LYNX Services for the glass repair.
However, your deductible may apply even for simple maintenance.
At the end of the day, not every insurance provider is active or available in every part of the country.
Plus, many different variables impact your individual car insurance rates, including your age, ZIP code, coverage needs, and driving record.
So the best way to buy car insurance from companies that cover car windows is to comparison shop online.
Drivers often wonder, does car insurance cover a broken window? Technically, only certain types of insurance cover car windows.
So, to find out, check the details of your policy.
For example, the liability insurance commonly required by state laws does not cover damage to your own vehicle.
It only pays for the damage to another driver if you cause an accident.
If you just want basic liability coverage or your state’s minimum insurance requirements, then you’ll only get car insurance quotes from companies that don't cover car windows.
For coverages that pay for repairs to your vehicle, you’ll need to purchase comprehensive or collision insurance.
You can compare the average cost of comprehensive and collision insurance by the state in the table below.
|State||Average Annual Collision Insurance Rates||Average Annual Comprehensive Insurance Rates|
|District of Columbia||$468.67||$122.49|
But what does comprehensive and collision insurance cover? Comprehensive insurance is known as parked car insurance.
It covers damage to your vehicle while not in motion, including:
- Weather damage
- Animal damage
- Auto theft
Collision insurance covers damage to your vehicle while it’s in motion, including an accident with another driver or an object like a tree or telephone pole.
So if you use a car insurance company that doesn’t cover car windows, it may be because you do not have comprehensive or collision insurance.
Both collision and comprehensive coverage have deductibles associated with the policies.
Will you pay a deductible if you use your car insurance coverage for windshield damage? It may depend on the severity of the claim.
Through most providers, there’s a difference between repairing versus replacing your windshield. A total replacement may mean you use your insurance deductible.
But some providers waive your deductible if the windshield can simply be repaired.
Similarly, many national insurance companies offer additional windshield replacement or glass repair coverage separate from other insurance types.
How do I know if my insurance covers windshield replacement? You can ask your insurance representative, check the company website, or use your customer portal to see if your provider offers this service.
But read the fine print. Some providers actually do require additional glass coverage and will not replace your windows even if you have comprehensive and collision coverage.
Does car insurance cover a broken driver-side window? As long as you have comprehensive or collision insurance, your provider should replace a driver-side window.
To determine if you should buy additional insurance coverages, consider your budget, insurance limits, and the value of your car.
People who rent or finance their vehicles may be required by their loan agreement to purchase full coverage car insurance.
If your car is worth more than $3,000, experts typically recommend adding both comprehensive and collision insurance to your policy if it fits your budget.
Increasing your deductibles leads to lower monthly rates, but be careful not to set them too high, or it mitigates the usefulness of the policies.
According to the Insurance Information Institute (III), in 2020, the average collision claim cost $3,588; comprehensive claims were slightly lower at $1,995.
But if your car is older and is not worth much, investing in comprehensive and collision coverage might not be necessary.
Who should invest in additional windshield coverage? Consider the cost of the add-on coverage compared to the risk of breaking your windshield.
As long as the annual cost of adding windshield coverage doesn’t exceed the possible expense of your windshield replacement or repair, then it’s worthwhile.
But how much does it cost to repair or replace a windshield? It varies based on the car make and model you drive, especially for complete replacement:
- Windshield repair: $120
- Windshield replacement: $300 to $900
We have two tips on what to do if you do not have comprehensive insurance but break your car window.
First, if another driver hit you and is at fault for the damage, verify if you live in a state where their liability coverage will pay for your window replacement.
Alternatively, if another person breaks your windshield and they have homeowners or renters insurance, you may be able to file a third-party claim against one of those policies.
But you’d be responsible for proving fault.
Ultimately, if you buy car insurance from companies that don't cover car windows to your satisfaction, then never hesitate to shop around for new coverage.
Just be sure to secure a new policy before canceling your old one to prevent a coverage lapse.
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If you want to know how to file a claim after your windshield breaks, you’re in luck. Filing a claim for a broken window is the same as filing any other type of insurance claim.
Either call your provider directly or submit the claim online or through a mobile app.
But if another driver hit your car and is at fault, their liability coverage will likely pay for your window replacement.
In this case, you’d file a third-party claim through their insurance.
However, if the break was from an act of vandalism, call the police first and file a report.
Obtain a copy of the police report and submit it with your claim.
After calling, your provider may direct you to bring your vehicle to a repair shop, or it might use a specific glass repair company.
Save all of your receipts so your insurer can adequately reimburse you.
When should you file a broken windshield insurance claim? It depends on how damaged your windshield is and what your insurance limits are set at.
Most deductibles for comprehensive or collision coverage are between $50 to $2,000.
So, if your deductible is set at $1,000, the chances of your windshield replacement costing that much are slim.
In this scenario, it’s better to pay for the repair out of your pocket and not file a claim. But if the damage exceeds your deductible, then file the claim.
You might also wonder, will my insurance go up if I claim for a windshield?
Filing claims, even when you’re not at fault, sometimes do lead to a rate increase.
So never hesitate to ask your provider directly how this type of claim might impact your rates.
Depending on how the damage happened, your insurance policy might cover car windows as long as you’ve invested in the right coverage types.
Each provider uses different rules and policies to determine when your windshield or windows are covered.
So don’t pay car insurance rates from companies that don't cover car windows to your satisfaction.
Instead, shop around and find a provider that fits your budget without compromising your coverage requirements.
Now that you’ve learned about car insurance rates from companies that cover car windows, enter your ZIP code into our free tool below to compare quotes from the best providers in your region.
Frequently Asked Questions
Is a crack in the window covered by car insurance?
It depends on what coverage you have. Comprehensive and collision insurance would cover the crack, for example, if the crack was caused by a falling object or a crash.
What does a $500 deductible with full glass mean?
It means you will have to pay $500 towards your glass repairs, and insurance will cover the rest.
Is a windshield warranty worth it?
A windshield warranty will often cover the cost of labor, but it may not cover the replacement cost if the whole window breaks.
How many years should a windshield or window last?
The glass in your car should last anywhere from five to ten years, depending on the make and model of your car and driving conditions in your area.
How long can you drive with a cracked windshield?
If the crack obstructs your vision, you shouldn't drive at all. In fact, most states have strict laws about how large a crack can be in a car before it is undriveable.