Montana Windshield Replacement Insurance: What are the Full Glass coverage laws in Montana?

In Montana, it's only illegal to drive with windshield damage if it obstructs the view of the driver. Ask your provider about $0 deductible options for Montana windshield glass insurance.

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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 and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Jul 15, 2021

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Things to remember...

  • Montana’s only legal requirement regarding auto insurance relates to the consumers’ right to choose which vendor completes the work
  • Some Montana drivers may have a zero-deductible policy for full glass replacement coverage, but others will need to pay a reduced or full deductible when filing this type of claim
  • Montana’s state law does not specify whether glass replacement companies are able to legally install used or aftermarket glass in a vehicle, so the terms of your insurance coverage may dictate this in some cases

Can you drive with a cracked windshield in Montana?

When you venture onto the open roads in Montana or even when you drive a few miles through town to get to the grocery store, the possibility of enduring windshield damage is present.

This could occur because of a rock, a bird, or even loose debris from other vehicles. Even a small amount of damage to your windshield could potentially place you and others inside your vehicle at risk for injury. Make sure you are covered with our free quote tool above! 

Remember that your windshield is responsible for providing you with full visibility of the road while you are driving, and its structural strength is critical to protecting you from harm related to other flying objects.

Because it is unsafe to drive with a damaged windshield, repairing the damage or replacing the entire window are options that must be considered as soon as possible.

Some Montana drivers may even be able to file a claim against their auto policy to reduce or even eliminate their out-of-pocket repair expenses.

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What are Montana’s laws for zero-deductible full glass replacement?

A few states legally require insurance companies to offer full glass replacement coverage with a zero deductible, but this is not the law in Montana. In fact, there is no law pertaining to full glass replacement coverage at any deductible amount.

Therefore, the availability of full glass replacement coverage in this northwestern state is based entirely on the preference of the insurance company that you buy insurance from.

Shopping around to find great terms and a low deductible for this type of coverage is a great idea.

However, if you currently have window damage, changing your coverage will not cover your current issue and will only apply to future damages.

Reviewing your current auto insurance policy to determine what amount of the replacement cost will be covered and what your deductible amount is can help you to decide the best course of action.

Remember that you may have to pay the full deductible amount that you established for your coverage when you file a glass replacement claim, but some insurance companies offer a partial deductible for this specific type of claim.

The Decision to File a Claim or Pay Cash

A deductible amount could be $500 or even $1,000 in some cases, but most vehicle windshields may be replaced for less than this amount. To determine if you should file a claim:

  • Review glass replacement quotes
  • Explore your insurance coverage
  • Examine your deductible

While liability and collision insurance only pay for limited expenses, comprehensive insurance typically pays for most of your vehicle repairs regardless of the cause of the damage or loss after you pay your deductible.

Many, but not all, comprehensive insurance policies include full glass replacement.

The limit for this specific benefit and the deductible need to be analyzed in comparison to the glass replacement insurance quotes that you have gathered.


The Type of Auto Glass Used By a Montana Glass Replacement Company

While you may be focused on keeping your out-of-pocket expenses as low as possible, you also want quality work to be completed on your vehicle.

Montana state law for vehicle glass replacement does not have any specific requirements for the use of or prohibition of used or aftermarket glass for these types of services.

When you pay for the cost out of your own pocket without filing a claim, you can ask for more affordable aftermarket glass or more expensive OEM glass. On the other hand, if you file a claim, the type of glass used will be decided by the terms of your auto insurance policy.

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Can you choose your own repair company to fix your windshield?

Montana’s primary law regarding windshield glass repair services relates to the consumer’s right to choose a service provider.

Regardless of whether you file an insurance claim or pay for the replacement service on your own, you have the legal right to select the provider that you want to complete the task. This gives you the ability to compare quotes, research reputation in the local area and more.

A broken windshield can be a true inconvenience, and it can also pose a risk to your well-being on the road.

While you may be inclined to put off the repair or replacement service for another day, today is the best day to begin researching your insurance options and gathering quotes.

If your existing coverage does not pay for full replacement service, you can take this opportunity to upgrade your coverage or shop for a new policy that is more inclusive for future needs. Don’t miss out on our free quote tool below! Just enter your ZIP code and start comparing rates now!



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