Best Windshield Replacement Coverage in Mississippi (Top 10 Companies for 2025)

State Farm, Progressive, and Nationwide have the best windshield replacement coverage in Mississippi.

Mississippi auto insurance laws don’t require car insurance companies to offer full glass coverage. State Farm takes our top spot because it’s one of the few companies to offer windshield replacement coverage without a deductible.

Our Top 10 Company Picks: Best Windshield Replacement Coverage in Mississippi

Read on to learn more about windshield replacement coverage and if the State Farm windshield replacement deductible cost is worth the price for you. Then, compare rates by entering your ZIP code into our free comparison tool above.

#1 – State Farm: Top Pick Overall

Pros

• Full Glass Coverage: Add full glass coverage to your State Farm policy, and you can skip the glass deductible when you need to repair or replace your windshield.
• Roadside Assistance: Among State Farm’s many coverage options is roadside assistance, which will come to the rescue whenever you’re stranded. See what roadside assistance covers in our State Farm auto insurance review.
• Windshield Repair Shop Network: To make use of full glass coverage, you’ll need to use a repair shop within the State Farm network. Luckily, State Farm has a large network of shops.

Cons

• Limited Coverage Options: Despite being one of the biggest insurance companies in the country, State Farm lacks coverage options like gap insurance and accident forgiveness.
• Higher Rates for Bad Credit: State Farm is an affordable option for free windshield replacement with full glass coverage, but its rates are less competitive if you have a bad credit score.

#2 – Progressive: Best for Glass Coverage on a Budget

Pros

• Name Your Price Tool: Use the Name Your Price tool to get windshield insurance coverage that matches your monthly budget.
• Snapshot: While it doesn’t free Mississippi windshield replacement coverage, Progressive offers a usage-based insurance (UBI) program to help drivers keep costs low. See how Snapshot can help you save in our Progressive auto insurance review.
• Automatic Discounts: Most Progressive discounts apply automatically to your account, including its loyalty discount, which starts after your first year of coverage.

Cons

• No Glass Coverage: Progressive does not offer a dedicated glass coverage option. If you want car insurance with glass coverage from Progressive, you’ll need to purchase comprehensive insurance.
• Customer Loyalty Ratings: Despite offering affordable coverage, Progressive struggles with low customer loyalty ratings.

#3 – Nationwide: Best for UBI Savings

Pros

• SmartRide: Nationwide makes it easy to save when you want auto insurance with glass coverage with its UBI program SmartRide. Safe drivers can save up to 40% by enrolling in SmartRide.
• Vanishing Deductible: For every year you spend claims-free, Nationwide will deduct $100 off your deductible, up to $500. Learn how the vanishing deductible works in our Nationwide auto insurance review.
• Bundling Policies: Nationwide makes it easy to bundle policies like home and auto. As a bonus, you’ll likely qualify for a discount if you do.

Cons

• No Full Glass: While you can buy auto insurance with windshield replacement from Nationwide, you’ll have to pay a glass deductible.
• Fewer Discounts: With only 11 options, Nationwide’s list of available discounts is smaller than most other major insurance providers.

#4 – Geico: Best for Low Prices for All Drivers

Pros

• Solid Discounts: Geico offers 16 discounts to take advantage of to help you save as much as possible on your insurance. Explore Geico’s generous discounts in our Geico auto insurance review.
• DriveEasy: Save up to 25% on your insurance by enrolling in DriveEasy, Geico’s UBI program best suited to safe drivers.
• Glass Repair Deductible Waiver: While it doesn’t offer a zero-dollar deductible for replacement, you can get free windshield repairs from Geico.

Cons

• Limited Add-on Options: Geico doesn’t have the largest selection of add-ons. If policy customization is important to you, Geico may not be the best choice for coverage.
• Some drivers pay more. Although it’s usually an affordable option for car insurance, drivers with a DUI on their record will probably find more competitive prices elsewhere.

#5 – Allstate: Best for Full Coverage Service

Pros

• Excellent Coverage Options: Allstate offers great full coverage service by providing drivers with plenty of choices for their coverage. See all your choices in our Allstate auto insurance review.
• ADAS Recalibration Coverage: Mississippi windshield repairs and replacements have gotten more complicated – and more expensive – than ever before. To combat these rising costs, Allstate includes free recalibration of your ADAS system.
• Extensive Network of Agents: Allstate keeps one of the largest networks of local agents in the company, so you’ll always have a friendly Allstate representative to call on when you need help.

Cons

• Customer Review Struggles: Although it may be one of the most famous car insurance companies in America, Allstate struggles with its customer review ratings.
• High Premiums: Allstate charges more for car insurance on average than most other companies. Additionally, many drivers report that their Allstate glass coverage deductible often feels too high for the price.

#6 – Liberty Mutual: Best for Diverse Coverage Options

Pros

• Coverage Customization: Liberty Mutual has one of the most diverse selections of add-ons, including original parts replacement, gap insurance, better car replacement, and a lifetime repair guarantee.
• Impressive Discounts: With 17 discounts, finding ways to save with Liberty Mutual is rarely a challenge.
• RightTrack: Save up to 30% by being a safe driver and enrolling in the UBI program RightTrack.

Cons

• Claims Satisfaction Varies: Liberty Mutual’s claims satisfaction ratings vary wildly between customers. See why in our Liberty Mutual auto insurance review.
• No Full Glass Coverage: Unfortunately, you can’t get windshield replacement covered by insurance for free at Liberty Mutual. However, you can buy windshield replacement insurance coverage by purchasing comprehensive insurance.

#7 – Travelers: Best for Customer Service

Pros

• Superior Customer Service: Travelers has excellent customer service reviews, with drivers saying they appreciate the representative’s speedy response times and quick claims resolution.
• IntelliDrive: Save up to 30% on your entire policy, including auto windshield repair, with IntelliDrive, Travelers’s UBI plan.
• Responsible Driver Plan: The Responsible Driver plan combines minor traffic violation and accident forgiveness into one cheap plan. Learn more in our Travelers auto insurance review.

Cons

• Limited Online Tools: Compared to some of its more modern competitors, Travelers lacks a strong set of digital tools for policy management.
• No SR-22 Insurance: Travelers lacks a few valuable insurance options. Other than not offering car insurance to replace windshields for free, Travelers also won’t submit SR-22 forms.

#8 – Farmers: Best for Savings Opportunities

Pros

• Generous Selection of Discounts: When you’re looking for car insurance discounts, you won’t find a better selection than the one Farmers offers. See all 23 discounts in our Farmers auto insurance review.
• OEM Glass Repair: Farmers offers OEM coverage, which extends to your policy. This can be particularly helpful to drivers with ADAS.
• Glass Deductible Buy Back: If you can repair your windshield rather than replace it, Farmers will waive your glass deductible.

Cons

• Lacking Coverage Options: Farmers actually has a long list of coverage options, but it, for some reason, doesn’t sell gap insurance.
• Higher Average Rates: Farmers tends to offer insurance rates that are a bit above the national average. If you’re looking for cheap windshield replacement coverage, Farmers might not be your top option.

#9 – USAA: Best for Active and Retired Military Members

Pros

• Competitive Rates: USAA is consistently one of the cheapest options for car insurance, no matter who you are or where you live. See how much USAA might charge you in our review of USAA auto insurance.
• Excellent Coverage Options: It doesn’t have the longest list of coverage options, USAA offers a few solid add-ons to increase the value of your policy.
• Ample Discounts: USAA already offers cheap Mississippi auto glass coverage, but you can save even more with any of its 14 discounts.

Cons

• Membership Requirements: USAA has strict membership requirements before you can buy a policy. Only active or retired military members and their immediate family members are eligible to join.
• No Gap Insurance: While it’s missing a few popular options for car insurance, one of the most glaring add-ons not to be found at USAA is gap insurance.

#10 – The Hartford: Best for AARP Members

Pros

• Partnership With AARP: The Hartford has partnered with AARP to provide older drivers with excellent car insurance at a cheap price. Explore what The Hartford offers AARP members in our review of The Hartford auto insurance.
• Full Glass Coverage: Wondering how to get your windshield replaced for free? One simple way is to sign up for full glass coverage from The Harford.
• Policy Customization Options: The Hartford offers a variety of other add-ons beyond full glass coverage. These include accident forgiveness and a diminishing deductible.

Cons

• AARP Membership Required: The Hartford sells insurance exclusively to AARP members, meaning you’ll need to qualify for membership.
• Higher Rates for Young Drivers: Adding a teen or young driver to a policy from The Hartford usually costs much more than the national average.

The Cost of Windshield Replacement Coverage

If you are a part of a large group of people who operate a motor vehicle, you are probably aware that driving comes with many dangers. Any lack of attention can cause a potent accident that will consume the lives of those who may simply find themselves in the wrong place at the wrong time.

Although you would assume people understand this concept, human nature is such that people will often overlook issues and expose themselves and others to perils.

Now, to be fair, what is not your fault is a rock that comes flying into your windshield while you casually drive on a highway.

Given that highways were made for us to drive fast on, hitting any flying object will amplify the impact velocity. For example, think of all the bugs that get killed whenever you take that fun road trip and your windshield becomes a moving site of a massacre.

With that in mind, take a look below to see how much your insurance might cost at our best companies for windshield replacement.

Mississippi Windshield Replacement Coverage Monthly Rates by Coverage Level & Provider

Rates can be high at some companies, especially if you need full coverage auto insurance. However, there are plenty of ways to save. One of the easiest ways is to find car insurance discounts you qualify for. Check below to see a sample of discounts from our top companies.

Most discounts apply to your account when you first sign up for a policy, but a representative can ensure you get every saving possible.

Glass Laws in Mississippi

After a windshield gets damaged or completely ruined, there are really not too many options you have. If your glass is beyond the point of saving, you are looking at a complete replacement. Figuring out if car insurance covers windshield damage or replacement is an important consideration.

If there are minor chips or cracks, you might pull off a cheap repair, although this is usually not the case.

Of course, you are not allowed to drive when your sense of sight is impaired, and a broken windshield, or even cracks in the glass sometimes, can be counted as vision impairment.

Spring cleaning isn’t just for your home, it’s also important for your car. Make sure your windshield is clean to maintain optimal visibility. pic.twitter.com/P9tSuZawQj

— Liberty Mutual (@LibertyMutual) May 4, 2019

If you do not believe me, know that authorities in Mississippi are going to treat you the same whether your windows are tinted or broken, and the end result is hefty fines.

On this note, let’s take a look at what exactly is and is not covered by laws about glass replacement in Mississippi.

Zero-Deductible Full Glass Coverage

If you happen to live in this state, one of the shortcomings is that there is no auto insurance law that requires insurance companies to flat-out pay for drivers’ windshield repairs. This means that there is no zero-deductible glass law that a few other states have implemented.

To be fair, even the few states that do have this type of law will only protect the driver from repair expenses if they have a comprehensive coverage policy.

Comprehensive Auto Insurance

Comprehensive auto coverage is a more expensive option that almost all insurance companies offer, and it is generally well worth the extra money you will spend.

The basics of it include protection during any non-accident damages, and a broken windshield would be well within the scope of that. If you are in a state like Mississippi, which has no particular glass laws enacted, a lot of insurance companies will insist on this option.

Replacement Parts Law in Mississippi

While Mississippi minimum auto insurance requirements don’t include it, you can buy coverage that can use an aftermarket part as long as this is noted on the estimated costs of the repair.

Basically, the insurance company cannot force you to go directly to the manufacturer and get a brand-new, original windshield.

A good side to this is all the money you will save, while a shortcoming is the fact that some drivers will buy the worst-quality glass just to save money.

If you have no idea where to even find specifics on this scenario for your own situation, the type of information mentioned will be included in your insurance policy. So be sure to at least glance through it prior to making any commitments to any vendors!

Laws Governing Choice of Repair Vendor in Mississippi

To further ease this process, Mississippi will let you select your own shop that will repair the glass problem you might have. As always, there is a side note to this.

If you choose not to use any of these, they might hold you accountable for the difference in prices between your vendor and theirs. Point being, more expensive repairs will reduce your chances of getting the money back. Learning how to manage your auto insurance policy can help you avoid this problem.

Find the Best Windshield Replacement Coverage in Mississippi Today

Since most of the refunds will come only if you have comprehensive coverage, how exactly do you find the best option? It is simpler than you imagine.

A great place to start is individual sites for companies you’re interested in. This way, you can get multiple auto insurance quotes, coverages, deductibles, and so on

However, the fastest way to get quotes for insurance with glass coverage is to use a tool to compare multiple quotes at once. Enter your ZIP code into our free comparison tool to get started today.