Florida Windshield Replacement Insurance: What You Need To Know

In Florida, no-deductible windshield replacement insurance is included on all comprehensive auto policies by state law.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Written by Rachel Bodine
Feature Writer Rachel Bodine

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: May 21, 2022

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Things to remember...

  • It’s illegal to drive in the United States with a cracked windshield that obstructs the driver’s view
  • Windshield repair and replacement are free in Florida if your insurance policy has comprehensive coverage
  • Florida’s minimum insurance coverage does not include comprehensive insurance, so you’ll need to add this coverage to make sure you’re covered for windshield damage

If you have a cracked or chipped windshield, it’s typically a good idea to play it safe and get it repaired or replaced. The alternative is to risk receiving a ticket or getting into an accident due to an obstructed view. 

Fortunately, Florida’s windshield law can help you get that windshield replaced for free if you have the right type of auto insurance policy in place. Read on to learn more about windshield coverage in Florida.

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.

Florida’s Free Windshield Repair Law

In the United States, it is illegal to operate a vehicle when the driver’s view is obstructed. That means if you’re pulled over by law enforcement with a cracked windshield, there’s a good chance that you could receive a ticket.

The good news is that a Florida law makes windshield repairs free for anyone who carries an insurance policy with comprehensive coverage included. This means that if you have a damaged windshield that requires a repair or replacement, your insurance company will cover this cost at 100% with no deductible.

This is a law that few states have. Florida, Kentucky, and South Carolina are the only three states that require free windshield replacement with the proper insurance coverage. 

It’s important to emphasize that this only applies to comprehensive coverage. 

You won’t benefit from this law if you only carry the minimum required insurance. If you want to ensure you can get your windshield replaced with no out-of-pocket cost, be sure that comprehensive coverage is included in your policy.

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How Comprehensive Coverage Works for Windshield Repairs

Comprehensive coverage is insurance that covers damage to your vehicle that is not caused by a collision with another vehicle. 

For example, if your vehicle is hit by a falling tree limb during one of Florida’s frequent storms, that would fall under your comprehensive coverage. 

This coverage also protects your vehicle against the following:

  • Hail damage
  • Theft
  • Vandalism
  • Collisions with animals
  • Falling debris

If you opt for comprehensive coverage on your insurance plan, you’ll then have the added benefit of Florida windshield replacement insurance. Your insurer legally cannot charge a deductible for windshield repairs if you have comprehensive coverage. 

So, if you have a damaged windshield and the right insurance coverage, there’s no reason to risk a traffic stop and ticket when you can have it replaced for free through your insurance policy.

What is Florida’s minimum car insurance requirement?

Florida’s minimum insurance requirements are $10,000 in personal injury protection (PIP) and $10,000 in property damage liability (PDL). 

While you may be tempted to keep your insurance levels at the minimum level to lower your insurance rates, in doing so you will be missing out on extra coverage that could save you far more money than what you save on your rates. 

This includes the possibility of free windshield repairs as mandated by the Florida windshield repair law.

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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Florida Windshield Replacement Laws Makes Your Coverage Selections More Important

Choosing the right insurance policy is always important. You want to land the best rates possible, but you also want to make sure you’re sufficiently covered when an accident happens. 

This balancing act can make the choice difficult, so it’s important to shop around and get quotes from multiple insurance companies before you make a decision. 

If you live in Florida, you’ll also want to consider the added benefits you’ll get from making sure that you have comprehensive coverage in your policy. You may have a chance to get free windshield replacement in Florida. The no-deductible windshield replacement law for insurance companies is something that few states have, so it’s worth considering when you choose an insurance policy. 

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.

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