What are the Full Glass coverage laws in Tennessee?

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Things to remember...
  • There are no laws dictating Auto Glass Coverage in Tennessee
  • Tennessee drivers must carry certain insurance or risk legal consequences
  • You can ask for a no deductible for auto glass coverage from insurance companies

Tennessee drivers have the best of so many worlds. Big cities with beautiful landmarks and a lot of action are always enjoyable even when the traffic isn’t.

Small towns nestled quietly in the mountains, beautiful lakes, gorgeous scenery, and so much beautiful weather work together to make this state one of the most beautiful, and drivers love the diversity of driving along Tennessee roads.

However, with all the changes in scenery come dangers that have the potential to cause serious problems with your car.

Your car could be hit by flying gravel, branches from old trees, or anything else that causes it to chip, crack, or even break, and that’s a problem you don’t want to deal with.

You know you can’t drive around with a chipped, cracked, or broken window, so you may want to consider auto glass coverage to protect your vehicle.

Not all Tennessee auto insurance companies offer auto glass coverage. While it’s not always an expensive repair and sometimes it’s cheaper to pay cash than to pay your deductible, windshields crack and chip often.

Paying for it once might not be a big deal, but paying for it two or three times for one vehicle is an expensive problem.

Be a responsible driver and ask for auto glass coverage while shopping around for better car insurance premiums. Enter your zip code above to begin comparing car insurance quotes and options for free.

Tennessee Car Insurance Requirements


Car insurance laws in Tennessee are strict. Lawmakers want all drivers safe and protected on the road, and they require you carry a minimum car insurance policy or you risk facing legal troubles such as fines and other penalties.

If you don’t carry insurance, you could end up paying tens of thousands of dollars or more from your own pocket if you cause an accident. Can you afford to pay that?

Since lawmakers don’t want their residents going bankrupt over the cost of a car accident, they require all Tennessee residents carry insurance. You must carry at least the following limits:

  • $25,000 worth of bodily injury liability insurance for injury or death per person
  • $50,000 per accident for bodily injury coverage
  • $15,000 worth of property damage

If you don’t carry this, you face serious consequences if you are pulled over.

If you do not own your car outright, you don’t have an option regarding the type of coverage you carry.

The lender who owns your car is permitted by law to dictate the type of insurance you carry, and you must meet their requirements rather than the states. The lender’s requirements cover what the state requires as well as forcing you to carry full coverage.

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Auto Glass Coverage Laws

Tennessee does not hold any auto glass coverage laws for which you must be accountable.

The state only requires you buy the minimum, but this is an option that comes with the full coverage you purchase. Auto glass repair and/or replacement is covered under your comprehensive insurance.

You have an option to pay a deductible to have your windows repaired or replaced, or you can ask to have the deductible minimized for auto glass only so it’s not so much out of pocket.

If you do have a deductible to pay for auto glass repair or replacement, it helps to get a quote from the glass company first. If it’s less than your deductible or not much more, you might want to pay the company outright to avoid making an insurance claim altogether.

It’s more cost-efficient this way for many drivers.

Tennessee auto insurance companies sometimes offer discounted deductibles you can ask for when you purchase a policy. It’s not always available, so you’ll need to ask about it when you choose a policy.

See what the difference is in the overall cost of the premium to add a zero dollar auto glass coverage deductible to the policy. It shouldn’t be more than a few dollars, but you want to be sure you’re getting the best quotes.

Repair, Replacement, and the Process of Windshield Replacement

You cannot drive with impaired vision due to a crack in your windshield, and you may not drive with any crack larger than six inches in the windshield even if it doesn’t impair your vision.

If this is a problem and you have auto glass coverage under your comprehensive policy, you’ll need to call your insurance company. Tell them how the damage occurred, where it occurred, and file a claim.

You can choose the glass company you want to work with or allow the insurance company to recommend one. 

The insurance company then contacts the glass company to file the claim with them, and the glass company reaches out to you to schedule an appointment to come to your home or job to repair or replace your glass. You pay nothing for this.

If you don’t have a zero dollar deductible with your comprehensive coverage, you’ll do the same thing only you’ll make a payment to cover the deductible.

Replacement Tips When You Have No Auto Glass Coverage


If you have no insurance coverage for your auto glass, you’ll find a glass company and schedule an appointment for the work to occur and make payment on your own.

You can call your insurance company to ask for auto glass company recommendations, or you can look them up online or by asking friends for references.

If you don’t have auto glass coverage, you want to call at least two or three different companies to compare quotes. 

You might be tempted to try to repair the crack on your own so you don’t need to pay for professional repairs or replacement, but you shouldn’t do this if you’re not a professional.

Repairs must meet national standards, and DIY projects rarely do. If you’re pulled over and can’t prove you had it repaired with a receipt, you could end up with a ticket. Let a professional handle this.

Do I really need auto glass coverage?

It’s a personal question no one can answer for you. What you need to know is that you cannot drive around with a damaged windshield. It’s dangerous. It makes the glass less capable of protecting you from anything that hits in in the event of a car accident.

It also impairs your vision from certain angles, which makes it more dangerous for you to drive.

Whether or not you need auto glass coverage is a personal decision, and it depends on your financial situation. Can you afford to pay for glass repair or replacement if it happens once or more often than once?

If you want it, try finding a way to lower your premium in other areas. Raise your credit score to get better rates by checking your credit report for errors you can dispute.

Buy a car that received an Insurance Institute for Highway Safety rating for Top Pick for Safety award. These vehicles are less expensive to insurance, and you get a discount for driving a safe vehicle.

Finally, don’t be afraid to negotiate rates when shopping for a new car insurance policy. You should be able to negotiate a few points with the company you work with, and that’s a plus.

Compare car insurance quotes right here by using our free rate comparison tool below.

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