Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Aug 13, 2020

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Things to remember...

  • Your state-required minimum car insurance normally does not protect a broken, cracked, or shattered window
  • Your car’s windows may be covered under collision or comprehensive coverage depending on the situation
  • If you are involved in an accident, then your collision coverage may help cover the cost of repairing or replacing the glass
  • However, if the damage is not due to a collision, then your comprehensive coverage may offer you some protection
  • Just like other comprehensive or collision claims, you may have a deductible to pay before your insurance provider covers the loss

Is a broken car window covered by insurance? Does insurance cover broken windows under all circumstances?

When your car windows are broken, one of the first things you may ask yourself is, “Does my car insurance cover broken windows?” Broken windows, or broken glass on a vehicle in general, may be covered depending on the situation and the type of auto insurance coverage you carry.

When it comes to window insurance, car insurance companies are very specific in what they will and will not cover.

If you carry comprehensive, collision, or even glass-specific coverage, then your insurance policy may help you cover the costs of repairing or replacing the glass.

Compare coverage options with many companies side-by-side. Use our free rate quote tool to begin. Just enter your ZIP to get quotes that include the window coverage you need.

Glass and Window Coverage Under Collision Coverage

Is your broken car window covered by insurance if  you’re in an accident?

In the event of an accident, the damages to your car may be covered under your collision coverage. If you are not responsible for the accident, then your glass may be repaired by the other party’s insurance company.

However, if you are at-fault for the accident, or if your car is damaged in a hit-and-run accident or by an uninsured or underinsured driver, then your collision coverage may take effect to repair window.

Collision coverage overall is pretty cheap to add to your auto insurance. Let’s look at the average annual rates of adding collision to your policy.

Average Annual Collision Auto Insurance Rates by State
StateAverage Annual Collision Auto Insurance
Rates
Alabama$299.10
Alaska$360.18
Arizona$259.31
Arkansas$304.87
California$364.56
Colorado$263.36
Connecticut$348.70
Delaware$296.60
District of Columbia$449.27
Florida$251.30
Georgia$320.45
Hawaii$297.75
Idaho$209.00
Illinois$284.92
Indiana$237.19
Iowa$207.10
Kansas$251.46
Kentucky$255.33
Louisiana$391.03
Maine$249.00
Maryland$331.72
Massachusetts$358.68
Michigan$383.21
Minnesota$214.02
Mississippi$302.96
Missouri$259.65
Montana$254.90
Nebraska$223.50
Nevada$293.78
New Hampshire$281.70
New Jersey$365.23
New Mexico$267.48
New York$358.45
North Carolina$264.58
North Dakota$227.44
Ohio$252.21
Oklahoma$298.21
Oregon$212.47
Pennsylvania$307.31
Rhode Island$377.06
South Carolina$247.62
South Dakota$200.10
Tennessee$290.39
Texas$340.51
Utah$254.41
Vermont$278.38
Virginia$264.70
Washington$250.13
West Virginia$319.10
Wisconsin$209.93
Wyoming$270.48
Countrywide$299.73
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On average, it will cost you $25 a month to add collision. That’s a small price to pay to know your car and passangers are covered in the event of an accident.

Also, your insurance provider will usually require a deductible for collision coverage, which can be a set amount or a percentage of your loss.

If you are not at-fault for the accident but have to pay your deductible up front, your insurance provider may try to recover your expenses for the claim from the other provider and reimburse your payment once they do so.

This video gives you more information about collision coverage.

Unless your car is very old, you should consider adding collision to pay for damages if you cause an accident.

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Glass and Window Coverage Under Comprehensive Coverage

Does auto insurance cover broken windows not from an accident?

Your car insurance policy may cover the windows on your car under your comprehensive coverage option. This normally happens when the damage is not related to an accident.

There are many differences between collision and comprehensive auto insurance, and they cover different damages.

Does car insurance cover broken windows from vandalism? If someone broke your car window, insurance may or may not cover it. It depends on if you have comprehensive coverage. 

Comprehensive coverage is often referred to as “other-than-collision” coverage, meaning that this coverage protects your car from the following:

  • Animal-related damages
  • Weather-related damages
  • Other non-accident damages

One common occurrence that may fall under comprehensive coverage would be damages caused to your windshield while you are on the road.

For instance, if another car drives by and knocks up a rock that chips or cracks your windshield, your comprehensive coverage could come into play to help cover your loss.

According to Carwindshield.info, each state sets its own requirements for repairing or replacing your windshield. This includes the type of materials used and the cost of the deductible.

Check out this table to see how much it would cost you on average to add comprehensive coverage to your policy.

Average Annual Comprehensive Auto Insurance Rates by State
StateAverage Annual Comprehensive Rates
Alabama$146.28
Alaska$141.08
Arizona$184.20
Arkansas$183.36
California$99.29
Colorado$158.34
Connecticut$126.02
Countrywide$138.87
Delaware$113.23
District of Columbia$230.25
Florida$110.12
Georgia$153.61
Hawaii$100.09
Idaho$110.78
Illinois$117.98
Indiana$115.02
Iowa$171.58
Kansas$230.65
Kentucky$130.15
Louisiana$208.59
Maine$96.66
Maryland$146.77
Massachusetts$128.92
Michigan$147.02
Minnesota$173.04
Mississippi$194.74
Missouri$166.34
Montana$199.87
Nebraska$206.24
Nevada$116.79
New Hampshire$103.03
New Jersey$123.18
New Mexico$166.89
New York$156.66
North Carolina$123.00
North Dakota$227.64
Ohio$112.74
Oklahoma$201.56
Oregon$89.66
Pennsylvania$132.01
Rhode Island$122.17
South Carolina$165.38
South Dakota$228.59
Tennessee$135.62
Texas$186.70
Utah$106.57
Vermont$118.31
Virginia$129.89
Washington$104.11
West Virginia$195.04
Wisconsin$126.34
Wyoming$222.86
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Adding comprehensive coverage to your policy will cost you around $12 a month.

It’s important to remember that, just like collision coverage, this option may have a deductible that you are required to pay before your provider helps cover your loss.

If the damage to your vehicle is not more than your car insurance deductible, your insurance provider may not cover any portion of the loss.

Watch this video to learn more about comprehensive coverage.

The FBI states that in 2017, there were 773,139 vehicle thefts. If your car is stolen and you don’t have comprehensive coverage, you could have to pay for the replacement yourself.

If you live in an area with a lot of theft or vandalism, you might want to consider adding compreheneisve coverage to your policy.

Glass and Window Coverage Under Glass-specific Coverage

In addition to comprehensive and collision coverage protecting your car and your windows, your insurance provider may offer glass-specific coverage, sometimes called “glass coverage,” on your policy.

This may apply to your windshield or all the glass on your vehicle, and there may be different conditions that need to be met for coverage to apply, as well as different exclusions that may be listed.

Due to the nature of this coverage, your provider may or may not require a deductible. This coverage option may include everything from your windshield and rear window to your side windows and sunroof.

It’s important to speak to your provider about what glass-specific coverage applies to on your vehicle. If they do not offer any glass coverage, or it is not inclusive enough for your needs, you may be able to purchase supplemental insurance.

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Filing a Claim for Broken Car Windows or Glass Damage

When you file an auto insurance claim for your broken car windows or some glass damages, it’s important to consider how the claim may affect your policy or your future coverage.

In many situations, filing a claim contributes to your claim history or your insurance history, which insurance providers take into account when determining future rates and whether or not to provide you with coverage.

For example, if you file broken window insurance claims frequently, your insurance provider may decide to remove that coverage from your policy, reducing their risk exposure in the process.

Additionally, they may raise your rates to cover the increased amount of claim settlements they are paying out. In extreme circumstances, some providers may even decide to cancel or non-renew your policy.

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Broken Car Window Covered By Insurance: The Bottom Line

Your car insurance is designed to help protect you from losses above and beyond the usual wear-and-tear or mechanical failures.

When it comes to your car’s windows, windshield, or other glass, your policy may cover losses under your collision, comprehensive or glass-specific coverage options.

Although you may have these options, it’s important to determine if filing a claim is the right choice for you.

If the cost of your deductible and rate increase totals more or within several hundred dollars of an expensive but one-time repair, then fixing the glass yourself might be the better option.

If you have questions about different situations where your coverage may or may not apply, it’s important to talk with your insurance provider about your policy terms, your policy limits, and any exclusions to your coverage.

See how much you could save by comparing auto insurance companies today. Enter your ZIP to get quotes that include collision and comprehensive coverage.