Does Progressive auto insurance cover windshield replacement?

You typically get Progressive windshield replacement coverage as part of collision and comprehensive insurance policies. The Progressive glass claims phone number is the same as the traditional claims number, 1-800-776-4737. If you file a Progressive glass claim, you may still be responsible for paying your deductible in some states for a total windshield replacement.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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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 Daniel Walker

UPDATED: Feb 15, 2022

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Things to Remember

  • To get Progressive windshield replacement coverage, you typically need to purchase comprehensive and collision insurance
  • Liability insurance required by most state laws only covers damage to the other driver in an accident you cause, not damage to your vehicle
  • Some states legally waive the deductibles associated with collision and comprehensive insurance for glass claims

You might be wondering, does Progressive cover windshield replacement? To secure Progressive windshield replacement coverage, you must purchase collision and comprehensive auto insurance.

Otherwise, the liability insurance typically required by state laws only pays for damage to the other party involved in an accident you cause. It does not pay for damage to your own property.

Below, learn about the Progressive glass claims process, what coverages protect your vehicle from a broken windshield, and more.

After reading how to buy Progressive windshield replacement auto insurance, compare quotes from the top companies near you for free by entering your ZIP code into our rate tool above.

Is there Progressive windshield replacement insurance?

You may be wondering, how do I know if my insurance covers windshield replacement with Progressive auto insurance company?

Check the details of your policy. Do you have comprehensive or collision coverage?

Typically, these two optional coverages pay for windshield replacement depending on how the damage occurred.

So to secure Progressive windshield coverage, you typically must purchase comprehensive and collision insurance.

Your Progressive windshield replacement auto insurance rates for collision and comprehensive coverage varies depending on where you live, your driving record, your age, and more.

However, on average, auto insurance policies from Progressive cost $327.91 per month or $3,934.92 annually.

You can also compare your rates from Progressive to the average collision and comprehensive expenditures in your state.

The table below compares the average annual cost of collision insurance and comprehensive insurance by the state, according to the Insurance Information Institute (III).

Average Annual Collision and Comprehensive Auto Insurance Rates by State
StateAverage Annual Collision Insurance RatesAverage Annual Comprehensive Insurance Rates
Alabama$380.51$175.28
Alaska$387.12$147.87
Arizona$326.28$208.25
Arkansas$375.25$235.36
California$483.60$94.72
Colorado$330.50$272.44
Connecticut$407.54$133.86
Delaware$352.86$140.52
District of Columbia$535.96$228.71
Florida$361.79$149.26
Georgia$408.41$176.31
Hawaii$357.78$107.66
Idaho$262.67$139.75
Illinois$339.04$140.57
Indiana$286.49$135.63
Iowa$252.65$214.65
Kansas$287.24$276.33
Kentucky$312.51$164.68
Louisiana$487.44$248.57
Maine$294.80$113.33
Maryland$422.06$167.61
Massachusetts$440.55$147.06
Michigan$479.11$159.08
Minnesota$265.74$206.45
Mississippi$372.17$239.34
Missouri$315.49$216.92
Montana$283.65$306.00
Nebraska$272.48$260.97
Nevada$366.54$119.28
New Hampshire$327.30$118.58
New Jersey$414.39$130.26
New Mexico$311.24$214.10
New York$457.77$180.64
North Carolina$342.13$137.45
North Dakota$279.45$256.76
Ohio$302.57$130.74
Oklahoma$346.73$267.99
Oregon$280.61$106.87
Pennsylvania$376.21$169.21
Rhode Island$474.58$140.40
South Carolina$318.08$207.09
South Dakota$244.47$327.11
Tennessee$355.01$163.83
Texas$442.88$269.90
Utah$309.20$127.53
Vermont$329.47$147.81
Virginia$316.05$148.25
Washington$312.65$118.19
West Virginia$350.20$224.86
Wisconsin$247.95$159.82
Wyoming$297.61$317.22
United States average$377.62$167.91
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Besides the basic factors that affect auto insurance rates, your Progressive windshield replacement auto insurance quotes may look different depending on what deductibles you select and your coverage levels.

Plus, depending on the size of the damage, you’ll either need the glass repaired or entirely replaced. For example, if the crack is larger than 6-inches, you’ll likely need a complete windshield replacement.

If this is the case, you may be responsible for paying for your comprehensive or collision coverage deductible depending on what state you live in.

Insurance deductibles typically cost anywhere from $100 to $2,000.

However, Progressive does not make you pay your deductible amount if your windshield is only chipped or if the crack is under 6-inches and can be repaired.

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When does Progressive insurance cover windshield replacement?

Usually, Progressive covers windshield replacement in three different scenarios. What type of coverage applies depends on how the damage occurred.

If another driver hits your car and is deemed at fault, their liability auto insurance coverage may pay for your windshield replacement, regardless of what insurance company they use.

So another driver’s Progressive liability coverage may pay to replace your windshield if that driver is found at fault.

However, understand that your liability coverage typically required by state law never pays for repairing your own property. It only covers damages to the other party involved in an accident you cause.

If you were involved in a motor vehicle accident and your windshield cracked larger than six inches, you may file a collision claim to replace your windshield.

Your collision insurance protects your vehicle regardless of who caused the accident. However, know that you may still need to pay your deductible amount yourself.

But if your windshield is damaged due to something falling on your car, a collision with an animal, or other similar perils, then you file a claim through your comprehensive insurance.

Remember, in most states, you still also pay your comprehensive deductible through Progressive if you need a total windshield replacement.

However, Progressive does not typically charge your deductible amount if you’re simply fixing a windshield with a crack under 6-inches or just chip damage.

How much does it cost to fix a broken windshield?

Typically, replacing a windshield is much more expensive than repairing a windshield.

The overall cost of replacing a windshield depends on your vehicle’s make and model, where you live, and the type of glass used in your windows.

But on average, replacing a windshield costs between $200 to $400. On the other hand, repairing a windshield may cost as little as $20.

When should I use Progressive insurance to replace my windshield?

You should file a glass claim if the cost of damage exceeds your deductible amount.

So if your collision or comprehensive insurance deductibles are set to $100, but the cost to replace your windshield is $800, then it’s worth filing a claim.

But if your deductible is set to $500 and the windshield replacement costs are only $400, then it’s not worth filing a claim.

Plus, depending on where you live, laws may be in place waiving the deductible for windshield replacement altogether.

For example, the deductible for glass claims is legally waived in Florida, Kentucky, and South Carolina.

Similarly, Progressive offers a $0 deductible option for glass-only replacement claims in certain states, known as a vanishing deductible.

For a small additional fee, Progressive reduces your deductible amount by $50 for every 6-months you go without an accident or claim.

According to the Progressive website, adding a vanishing deductible to your policy may cost around $12 per month but depends on various factors.

So if you’re wondering how to get your windshield replaced for free, investing in a vanishing deductible is one potential option.

To determine if you live in one of the Progressive $0 glass deductible states, call 1-866-749-7436 and speak with a customer service representative.

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How do I file a Progressive windshield replacement claim?

You can go through the mobile app, website, or call the company directly to file a Progressive glass claim.

The Progressive glass claims phone number is 1-800-776-4737.

Expect to be asked for further details to determine if your windshield can be repaired or if it needs to be fully replaced. Then, you schedule the repair at your convenience.

You can choose where you want your vehicle repairs performed, but the recommended Progressive windshield replacement auto insurance company is Safelite AutoGlass or an affiliate.

Remember, Progressive does not make you pay your deductible amount for windshield repairs. But, in some states, you must pay your deductible for a windshield replacement.

If your windshield was repaired but you’re not satisfied with the results, Progressive will replace your windshield. But again, you may then be responsible for paying your deductible in some states.

Does filing a Progressive windshield claim affect my insurance rates?

Filing auto insurance claims sometimes cause your rates to increase. Typically, the increase occurs when your policy is up for renewal and the company re-calculates your costs.

Usually, at-fault claims lead to the most significant rate increase. But does a windshield claim increase insurance with Progressive?

Typically, filing glass claims does not impact your auto insurance costs substantially.

However, you may see a slight increase at the time of your policy renewal. Your first glass claim will impact your costs less than additional future claims filed.

For example, if you file more than three claims within three years, it may cause your rates to go up more significantly.

Progressive Windshield Replacement: The Bottom Line

Ultimately, for your Progressive auto insurance policy to cover windshield replacement, you need collision and comprehensive insurance. However, this is not unique to just Progressive.

Unless the insurance company provides glass coverage for free as a customer benefit, you’d need full coverage auto insurance from any company to ensure your windshield is covered.

Plus, the basic auto insurance requirements set by most state laws do not typically include the coverage types that protect against windshield damage.

You’ve learned about affordable Progressive windshield replacement auto insurance, now enter your ZIP code into our free rate tool below to compare quotes from the best companies in your region.

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