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: Dec 9, 2020

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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.

Things to remember...

  • Auto glass laws in Florida require the insurance companies to waive all fees for glass repair and/or replacement
  • Full glass coverage is only available as part of a comprehensive policy in Florida
  • Florida auto insurance requirements are relatively lax compared to requirements in other states


The sunshine state is a beautiful place to drive. You’re never more than 60 miles from the ocean, but you’re not always in a place you feel close to the tropics. The swamps, the forests, and the many different cultures scattered about Florida make driving more interesting.

Busy interstates through major cities provide their own form of entertainment if you have the patience for them, and back roads made of nothing more than dirt, gravel, and even limestone are just as interesting.

Florida windshield replacement insurance helps keep your vision unobstructed and you driving safely. You can compare windshield replacement insurance rates in Florida today with our free quote tool above just enter your ZIP code.

How can I get auto insurance with glass coverage in Florida?

Does Florida auto insurance cover windshield replacement? If you own your vehicle outright and choose to only carry the mandatory insurance, you will not receive auto glass coverage if something happens to your windshield.

You’re going to call an auto glass company on your own, pay the fee to have your windshield replaced or repaired, and you’re not going to need to deal with your insurance company.

If you don’t have this coverage, you want to compare Florida windshield replacement insurance rates with companies to see if you can find an affordable policy that does offer this coverage.

Florida drivers with a comprehensive coverage policy are covered, and the state mandates you are not responsible for paying any type of deductible or fee if you need auto glass replacement or repair.

If something hits or damages your windshield, you have an easy job. You’ll call your insurance agent to submit a claim. You’ll provide some information, and they’ll ask you if you have an auto glass repair company you prefer to use.

If you do, you tell them. If you don’t, they’ll recommend one for you. Now they call the company, file a claim, pay for the repair, and send the company your personal information.

The auto glass company then calls you to schedule a time to come to you to repair or replace your windshield. They make it convenient for you by coming to your home or even your place of business to do this for you, and they do it at no cost to you.

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What is the Florida windshield replacement law?

Is there a Florida free windshield replacement law?

The Florida windshield replacement law (also known as Florida auto glass replacement law) is a statute that waives windshield repairs. So, if your windshield needs repairs or replacement, your auto insurance provider is prohibited from applying a deductible. The windshield repair, or replacement is done for free.

It is Florida law to cover windshield replacement. Florida insurance windshield replacement helps keep drivers safe. Windshield repair in Florida is easy so there is no excuse to drive with a cracked windshield.

Can I drive with a cracked windshield in Florida?

One thing you will find in Florida is cracked and damaged windshields. There’s so much going on when you drive here that it’s nearly impossible to go your entire life without falling victim to a damaged windshield. Are cracked windshields covered by auto insurance?

When a rock hits your window, a bird flies right into you, or a hurricane knocks a few branches down on top of your car, you have some repairs and replacements to make. Windshield replacement in Florida is quite common. Florida cracked windshield replacement is often very affordable or even free.

You cannot drive with cracked or damaged windshield glass according to Florida broken windshield law. It’s against the law and worth a ticket if your vision is impaired or your crack or damage is more than six inches. However, windshield replacement is part of Florida law. Windshield replacement in Florida is usually pretty easy.

The great news about living in Florida is many drivers are fully covered when it comes to auto glass replacement or repair, and you’re not required to pay a dime to have this service rendered.

The state of Florida has a windshield replacement law. Be sure you bring this up when you’re comparing auto insurance policies in Florida.

Florida Auto Insurance Requirements

All Florida drivers are required to carry an auto insurance policy. Driving without insurance is against the law, and you could face fines and time in jail if you’re caught driving without insurance. Take a look at average auto insurance costs in Florida in the table below.

Top 5 Most Expensive Auto Insurance Providers (Average Rates)Annual RateTop 5 Cheapest Auto Insurance Providers
(Average Rates)
Annual Rate
Infinity Indemnity Insurance $13,777USAA General Indemnity $2,643
Infinity Auto Insurance $10,139USAA Casualty Insurance $2,545
Ocean Harbor Casualty Insurance $6,715USAA$2,281
United Automobile Insurance $5,683Florida Farm Bureau $2,148
Allstate Property & Casualty Insurance $5,370Geico General Insurance/Government Employees Insurance$2,021
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The purpose of mandatory insurance in Florida is to protect people on the road from the financial pitfalls of being involved in a car accident.

The potential cost of a small accident with minor damage and few injuries could reach into the tens of thousands of dollars, and most people can’t afford that.

Florida minimum auto insurance coverage requirements: If you’re a Florida resident, you must carry insurance. You need to carry a policy that includes at least $10,000 in personal injury protection and $10,000 in property damage liability.

The insurance requirements in the Sunshine State are lenient in comparison to other states because drivers in many other states are required to carry far more coverage.

There is one caveat to this rule, however. You must have full coverage insurance if your car is leased or financed through a lender.

Lenders are permitted to allow different requirements for insurance if you finance a car, and you must meet their requirements or risk being issued an insurance policy you may or may not want.

The good news is this kind of coverage provides you a comprehensive policy, and this is where your auto glass coverage is found. Read on to learn more about affordable Florida auto insurance windshield replacement.

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How can I find cheap auto insurance in Florida?

You don’t want to pay for just the minimum insurance in Florida. You want a policy that covers you entirely, but you might want to know how you can add that to the budget. Start by running a check on your credit report.

It’s free from each of the credit bureaus every year, which means you pay nothing to review your report to look for mistakes that require removal. Once you do this, your score goes up and you get better rates.

You can also ask for some very good discounts. If you’re retired, most companies offer a discount because you spend less time on the road.

You can ask for that discount if you’re insuring more than one car on the same policy or adding additional items to your policy such as the following:

  • Car
  • Boat
  • Home
  • Life Insurance

Finally, be sure to check with the Insurance Institute for Highway Safety to see if your car is one of their top safety picks because that also comes with a discount.

Do you want to buy Florida windshield replacement insurance? Make sure to compare Florida windshield replacement insurance rates right here to find the best coverage for the best rate. Enter your ZIP code below to get started and find quality Florida windshield repair.

References:

  1. http://www.iihs.org/iihs/ratings