Short answer: A few states limit or remove the deductible on auto glass claims if you carry comprehensive coverage. Florida waives it for the windshield, Kentucky and South Carolina for auto safety glass, and Arizona, Connecticut and Minnesota require insurers to provide full glass coverage as an option. Where no rule like this applies, glass claims generally follow your policy's comprehensive deductible.
These laws only help if you carry comprehensive (or other physical damage) coverage. Liability-only policies don't pay to fix your own glass.
The table
| State | Rule | Notes | Source |
|---|---|---|---|
| Arizona | Insurers writing comprehensive must offer, at your option, full coverage for damaged safety equipment with no deductible | Safety equipment = glass in the windshield, doors and windows, and lens material in the lights. It's optional: you have to choose it | A.R.S. §20-264 |
| Connecticut | Auto policies with comprehensive coverage must include, at the insured's option, coverage for repair or replacement of damaged safety glass without any deductible or minimum amount | It's an option you choose, so check that your policy includes it. Connecticut also bars insurers and appraisers from requiring where glass work is done (Conn. Gen. Stat. §38a-354a) | Conn. Gen. Stat. §38a-339 |
| Florida | The deductible on comprehensive (or combined additional) coverage doesn't apply to damage to the windshield | Applies to the windshield; other glass follows your policy's normal deductible | Fla. Stat. §627.7288 |
| Kentucky | Policies with comprehensive or other-than-collision coverage must fully cover glass-only claims with no deductible or minimum | Covers windshield, door and window glass, light lenses, and ADAS camera recalibration after glass replacement. You can't be required to use a particular glass shop (2024 amendment) | KRS 304.20-060 |
| Minnesota | Auto policies with comprehensive coverage must provide, at the insured's option, complete coverage for repair or replacement of all damaged safety glass with no deductible or minimum | It's an option you choose, so check that your policy includes it | Minn. Stat. §65B.134 |
| South Carolina | Any physical damage or policy deductible doesn't apply to automobile safety glass | Applies when you carry physical damage (e.g., comprehensive) coverage | S.C. Code §38-77-280(B) |
We list only states where we read the official text ourselves in October 2026. A state that is missing is not covered here; check that state's statute or insurance department.
Before you file a glass claim
- Check that you have comprehensive. That's the coverage these laws apply to.
- In Arizona, check your declarations page for full glass coverage, since it's an option you choose.
- Ask about camera recalibration. Many newer cars need their driver-assist cameras recalibrated after a windshield replacement.
- Watch for glass-claim scams. Be wary of anyone offering cash or gifts to file a claim.
California readers: see does car insurance cover a cracked windshield in California.
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Methodology
Each row was read from the official source linked in the Source column in October 2026. This is general information, not legal advice. See also the state insurance rules hub.
Frequently asked questions
Which states have zero-deductible windshield laws?
In this table, Florida (windshield), Kentucky and South Carolina (auto safety glass) remove the deductible when you carry comprehensive coverage. Arizona requires insurers to offer no-deductible glass coverage as an option.
Is full glass coverage automatic in Arizona?
No. A.R.S. §20-264 requires insurers to offer it at your option, so you must select it.
Does a glass claim raise my rates?
It depends on your insurer and state. Ask your insurer how glass-only comprehensive claims are treated at renewal.
Alishahi Insurance · 439 N Canon Dr, Penthouse, Beverly Hills, CA 90210 · (877) 711-4545 · CA License #4348151. General information only. Not legal, tax or financial advice, and not a coverage determination. Coverage depends on policy language and underwriting, and rules vary by state.