The three free windshield replacement states are  FloridaKentucky, and South Carolina, which waive the car insurance deductible for windshield repair or replacement and so are referred to as having free windshield replacement or as zero deductible states.



First, verify if you have Comprehensive coverage on your vehicle to be able to waive deductible and qualify for the FREE windshield.

Second, which is the most important factor. Inspect vehicle and make sure the damage is WINDSHIELD DAMAGE ONLY.

Therefore, you may contact you auto insurance carrier and make a NEW claim to get an approval so they may locate or refer you the nearest shop.

Even if you don’t live in a free windshield state, you may have the option to purchase auto glass coverage that doesn’t have a deductible. The following states offer separate glass coverage with NO DEDUCTIBLE on your glass claim:

  • Arizona
  • Connecticut
  • Massachusetts
  • Minnesota
  • New York

In Massachusetts you can choose to buy glass coverage with either free windshield repair or replacement or with a $100 deductible, which is separate from your comprehensive deductible.

Regardless of where you live, it may be possible to get free windshield replacement under your comprehensive coverage. Insurance companies may offer policies with no deductible, so you should ask specifically about glass coverage.

Typically, claiming a windshield replacement won’t affect your premium. Your insurance rates won’t increase by much, if at all, if you get your windshield replaced, even if you don’t live in a state with free windshield replacement laws. If you file a comprehensive claim to repair or replace your windshield, generally your rates won’t go up, as most comprehensive claims don’t incur a rate increase. If you do see a bump in your premium, it will be minimal.