Does insurance cover windshield replacement without a deductible?
In Colorado and Arizona, yes — state law requires insurers to offer zero-deductible glass coverage. Most insured drivers in those states pay $0 for chip repairs and often $0 for full replacements. In other states, your standard comprehensive deductible ($250–$500) applies.
Updated June 2026
Colorado (CRS 10-4-613) and Arizona (ARS 20-263) are among about 10 states that require auto insurers to make zero-deductible glass coverage available on comprehensive policies. In these states, chip repairs are almost always $0 and full windshield replacements often cost nothing out of pocket if your policy includes the glass waiver.
Outside these states, glass damage is covered under comprehensive insurance — but your deductible applies. If your deductible is $500 and the repair costs $300, it doesn't make financial sense to file. For a $700 ADAS replacement, filing may save you $200. The quoter shows your estimated out-of-pocket cost by state so you can make an informed decision.
Filing a comprehensive glass claim does not increase your premium in most states. Because windshield damage is weather- or road-related (not your fault), insurers typically treat it as a no-fault event. Always confirm with your specific carrier — but for most drivers with comprehensive coverage in CO or AZ, there is no downside to filing.