Ever had a rock fly up and crack your windshield? It’s frustrating, and sometimes it feels unfair that you have to pay a deductible just to get it fixed. The good news? In a few states, you can actually get a free windshield replacement if you meet certain insurance requirements.
Let’s break down which states offer this perk, how it works, and what your options are if you don’t live in one of these “zero deductible” states.
States That Offer Free Windshield Replacement
Currently, there are three states where insurance companies must replace your windshield without charging you a deductible—as long as you have comprehensive coverage:
- Florida (Florida Statutes 627.7288)
- Kentucky (Kentucky Revised Statutes 304.20-060)
- South Carolina (South Carolina Code of Laws 38-77-280)
These are often called “zero deductible states.”
That means if your windshield cracks or shatters and it’s a covered claim, your insurance company will cover the full cost of replacing it—no out-of-pocket deductible required.
👉 Keep in mind: You’re still paying for comprehensive coverage through your premium. So while many people call this “free windshield replacement,” the “free” part only applies when the claim is filed and your deductible is waived.
How Does It Work?
Here’s how the process usually goes:
- You carry comprehensive coverage. This is the type of coverage that protects against non-collision damage like theft, fire, or falling objects.
- You file a claim for a damaged windshield.
- Your deductible is waived. In Florida, Kentucky, and South Carolina, insurers cannot apply your deductible for windshield replacement claims.
Your insurer will typically arrange repairs through their preferred glass service provider (like Safelite AutoGlass) or let you choose your own.
What If You Don’t Live in a Zero Deductible State?
Don’t worry—there are still options available. Many states allow you to buy separate glass coverage in addition to your comprehensive insurance. This coverage comes with:
- Its own deductible (sometimes much lower than your main deductible)
- The option for zero deductible glass coverage
This means you could still get your windshield replaced for free or at a very low cost, depending on the plan you choose.
For example, insurers like Progressive, GEICO, and State Farm often offer optional glass coverage in states outside the big three.
Pro Tip: Lower Your Deductible With Rewards
Some insurance companies have programs that help you save money on deductibles over time.
For instance, Progressive’s Deductible Savings Bank gives you $50 off your deductible every policy period that you go without a claim or violation. Over time, this can help you lower or even eliminate your deductible if you do need to file a claim.
Final Thoughts
If you live in Florida, Kentucky, or South Carolina, you’re in luck—your state laws ensure that windshield replacements are covered without a deductible. If you live elsewhere, you may still be able to add glass coverage to your policy for peace of mind.
The bottom line? Check your auto policy, talk with your insurer, and see if you’re already covered. A cracked windshield is stressful enough—you shouldn’t have to stress about the bill, too.
