Best Windshield Replacement Coverage in Arizona (2024)
Many full coverage policies in Arizona include glass coverage, so you don’t need to pay a deductible to repair or replace your windshield through insurance. Arizona windshield replacement auto insurance is only available for full coverage policies, which cost an average of $160 per month in Arizona.
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Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
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UPDATED: Feb 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Feb 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Arizona windshield replacement law allows insurance providers to offer a zero deductible option to clients
- To get a zero-deductible windshield replacement windshield replacement in Arizona, you’ll probably need to use a company approved by your insurance company
- Windshield replacement laws in Arizona state that insurance companies can offer either original parts or aftermarket glass to repair or replace windshields
Windshield damage laws in Arizona state you can’t drive with a cracked or damaged windshield that impairs your vision. Replacing a windshield can easily cost over $1,000, especially if your car has driver-assist technology.
Luckily for Grand Canyon State residents, Arizona glass coverage laws state that any comprehensive insurance policy needs to include a zero-deductible replacement option. You can get a free windshield replacement in Arizona as long as your Arizona auto insurance policy includes comprehensive coverage.
However, Arizona free windshield replacement laws don’t cover multiple damaged windshields every year. Read on to learn more about Arizona windshield replacement auto insurance, including how much it costs and how many windshields you can have replaced per year. Then, compare full coverage rates from multiple companies to find the best rates that include full glass coverage.
Why do you need windshield insurance in Arizona?
Windshield damage can occur without warning, especially if the wheel of a passing vehicle throws up a stone. When a projectile hits the windshield, it can cause a small chip or a larger crack. Unfortunately, these cracks can spread as you encounter potholes or weather changes, making the situation even worse. It’s tough to avoid this type of damage, and repair or replacement costs can undoubtedly be an unwanted expense. That’s why it’s best to be prepared with the right coverage so you can get your windshield fixed quickly.
Learn more about Progressive windshield replacement.
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What does the law say about driving with a cracked windshield?
Laws dictate that you cannot drive a vehicle with a cracked windshield that restricts your vision. The Code of Federal Regulations specifies that a windshield must be free of damage in an area above the steering wheel and out to 1 inch from each edge. If you have damage that’s likely to impede your vision when driving, you need to get the windshield replaced or risk getting a ticket.
| STATE | REPLACEMENT | REPAIR | ZERO DEDUCTIBLE WITH COMPREHENSIVE COVERAGE |
|---|---|---|---|
| Arizona | Aftermarket parts allowed with written notice and at least equal in terms of fit, quality, performance, and warranty | Consumer has right to choose repair vendor | Yes - optional |
Arizona Windshield Replacement Auto Insurance Options
Some insurance policies cover glass replacement. Typically, comprehensive insurance policies will include this, but you’ll want to check the fine print to be sure yours does. Glass coverage is not usually included in liability or collision policies.
Arizona Windshield Replacement Auto Insurance Laws
While insurance companies may require you to use your deductible when claiming against insurance, windshield coverage in Arizona falls under an optional coverage law. In this state, like several others, insurance providers may offer a zero-deductible benefit for auto glass repairs and replacement. That means that if you have this coverage, you can opt to repair or replace your windshield without using your deductible.
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Should you use aftermarket or original equipment?
If you need to file a claim, you also have the right to choose who performs the work. Keep in mind that a mechanic can use aftermarket parts, not only components provided by the original equipment manufacturer (OEM).
The repair company does need to disclose the origin of the parts and tell you whether they are using aftermarket glass. It must be of similar quality to the original and have a similar warranty, so you shouldn’t notice any difference in the functionality or quality of the replacement, regardless of its origin.
Remember, you don’t have to use a particular service provider under these state insurance laws. Therefore, if you’re adamant that you only want OEM glass, you can search for a service provider that only offers this glass. You won’t need to get approval from your insurance company before you use a particular vendor. More importantly, you won’t need to worry about paying the difference between their preferred vendor and yours.
Windshield Repair Costs
How much does it cost to replace or repair a windshield in Arizona? Some companies estimate between $150 and $300 for a car, but this varies significantly by vehicle type. When you consider that an auto insurance deductible maybe $500 or more, you will undoubtedly want to take advantage of your policy’s zero-deductible glass coverage in Arizona.
Understand How Arizona Auto Glass Insurance Laws Affect You
Arizona does not have any laws that make windshield replacement free. However, under Arizona’s glass insurance law you may be able to get the work performed without using your deductible. Check with your insurance company to make sure before you act.
Frequently Asked Questions
Does auto insurance in Arizona cover windshield replacement?
Yes, in Arizona, auto insurance policies typically provide coverage for windshield replacement. However, the specific coverage and conditions may vary depending on your insurance company and policy. It’s recommended to review your policy or contact your insurance provider to understand the extent of coverage for windshield replacement.
What type of auto insurance coverage in Arizona covers windshield replacement?
Comprehensive coverage is the type of auto insurance that typically covers windshield replacement in Arizona. This coverage protects against damages caused by events other than collisions, such as vandalism, theft, falling objects, and natural disasters, including windshield damage. Liability or collision coverage alone usually does not cover windshield replacement.
Will I have to pay a deductible for windshield replacement in Arizona?
Whether or not you’ll have to pay a deductible for windshield replacement in Arizona depends on your auto insurance policy. Many comprehensive insurance policies include a deductible for windshield replacement, which means you’ll be responsible for paying a portion of the cost. Deductibles can vary, so it’s essential to check your policy details or contact your insurance company to determine the deductible amount.
Are there any specific requirements for windshield replacement coverage in Arizona?
While there are no specific requirements for windshield replacement coverage in Arizona, insurance companies may have their own guidelines and conditions. Some insurance providers may require the use of approved repair facilities or specific windshield replacement companies. It’s advisable to consult your insurance policy or contact your insurer to understand any specific requirements they may have.
Can I choose any windshield replacement service provider in Arizona?
The choice of windshield replacement service provider may depend on your insurance policy. Some insurance companies have preferred or approved providers with whom they have agreements for discounted rates or streamlined processes. However, if your policy allows you to choose your own provider, you can generally select any reputable and licensed windshield replacement service in Arizona.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.