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

In Utah, it's only illegal to drive with windshield damage if it obstructs the view of the driver. Ask your Utah auto insurance provider about $0 deductible options. Learn about Utah windshield insurance coverage today.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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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: Nov 8, 2021

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Things to remember...

  • Utah does not require an insurer to waive the deductible when paying for auto glass repair or replacement
  • Utah law allows your insurer to use aftermarket parts so long as they disclose the fact to you
  • Utah car insurance law allows you to choose your repair shop but you must reimburse your insurance if their chosen shop had a lower estimate

Something as small as a pebble can ruin your day in an instant if it cracks your windshield. Depending on the size of the crack you’ll have to repair or replace your window which costs you time and money.

Some state laws require your insurance provider to cover these repairs without collecting the deductible. But most states, including Utah, do not yet have such a law. Finding car insurance for a cracked windshield is key.

What’s more, some state laws allow your insurer to decide where you get your windshield repaired and what type of parts will be used in your repair.

In Utah, you are allowed your choice of repair vendor. However, if your chosen vendor has a higher estimate than your insurance carrier you may be required to pay your carrier the difference. Make sure you are covered with our FREE quote tool above!

As for parts, your insurer is authorized under Utah law to use aftermarket parts so long as they give you notice. It is important you review your policy carefully before filing a claim given the latitude your insurer has in making decisions regarding your repair.

Does Utah require your insurance carrier to waive your deductible for windshield repairs?

A small number of states have implemented what are known as zero deductible full glass coverage laws. These laws require your insurer to pay for the repair or replacement of your windshield without collecting your deductible. Unfortunately, Utah does not have a zero deductible full glass coverage law.

However, even states with these laws in place don’t require zero deductible coverage under every insurance policy. These laws generally only apply to Comprehensive policies.

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What is comprehensive coverage?

Comprehensive coverage is auto insurance that offers coverage when your vehicle is damaged by something other than a collision. That includes vandalism, theft, and damage to your windshield by flying rocks or debris.

These laws don’t apply to standard liability insurance. Liability insurance is different from comprehensive coverage in that it offers coverage for vehicles other than your own that you damage in a collision.

The good news is that most Utah insurers offer zero deductible full glass coverage with their comprehensive policies. That means you have access to zero deductible coverage even though there isn’t Utah law requiring it.

Every policy is different, so the best way to make certain the policy you purchase has zero deductible full glass coverage is to compare three to four policies before you purchase one.


Does Utah law give you the final decision on the use of aftermarket parts during your repair?

One issue that comes up during auto repairs is whether or not your insurance company is allowed to choose between Original Equipment Manufacturer (OEM) or aftermarket parts.

OEM parts are constructed by the manufacturer of your vehicle. They are generally considered more reliable but more expensive.

Aftermarket parts are built by companies other than the auto manufacturer and can be less expensive but potentially less reliable.

The law varies from state to state on which party determines if aftermarket parts may be used in your repair. Some states leave it up to you or don’t have a law addressing aftermarket parts at all.

Others give your insurance company the right to decide or require you to pay the difference in price if you don’t want aftermarket parts.

In Utah, your insurer may use aftermarket parts but must disclose that fact to you. Your policy may have additional requirements related to aftermarket parts so it’s important to review your insurance policy before contacting a repair vendor.

Does Utah allow your insurance company to choose your repair vendor?

State laws also vary on whether you or your insurer has the right to choose your repair vendor. In states that don’t address the issue, it’s entirely up to the language of your policy.

Other states will affirmatively give either you or your insurance company the right to decide.

Still, other states will allow you to choose your repair vendor but require you to reimburse your insurance company if it is more expensive than their chosen vendor.

Utah has chosen this final option, meaning you could be required to pay back your insurer if you don’t agree to use their chosen repair vendor. Given this potential liability it’s important you review your policy before ever contacting a repair vendor.

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Making the Most of Your Coverage in Utah

Ultimately your insurance company plays a large role in the way your repairs are handled. In Utah, your insurer can use aftermarket parts and can request reimbursement from you if you use a more expensive repair vendor.

While Utah doesn’t have a zero deductible full glass coverage law it’s possible to get that coverage through some comprehensive insurance policies.

These issues make it critical for you to compare three to four insurance policies before buying one. Policies that are priced similarly might not have the same coverage options. It takes comparison shopping to make sure you get the policy you need. Compare rates today with our FREE quote tool below now! 


  1. https://www.insurancejournal.com/magazines/features/2012/07/02/253290.htm
  2. https://insurance.utah.gov/consumer/auto-home/auto-insurance/10-things-auto-insurance
  3. https://www.iii.org/article/what-covered-basic-auto-insurance-policy
  4. https://www.edmunds.com/car-maintenance/aftermarket-versus-manufacturer-car-parts.html
  5. https://le.utah.gov/xcode/Title31A/Chapter22/31A-22-S319.html
  6. https://insurance.utah.gov/consumer/auto-home/auto-insurance/third-party-auto-claim

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