A cracked windshield is usually covered by the comprehensive portion of your car insurance — and in some cases, you can get it repaired for free.
How coverage works: - Comprehensive coverage handles glass damage from rocks, debris, vandalism, and weather. A cracked or chipped windshield falls under this. - Collision coverage does NOT apply unless the windshield broke in a crash with another vehicle or object. - Liability-only policies (state minimum) do NOT cover your own windshield.
The deductible factor: - Normally your comprehensive deductible (often $250–$500) applies. If a repair costs less than your deductible, you'd pay out of pocket anyway. - BUT many insurers waive the deductible for windshield REPAIRS (filling a chip), because a cheap repair prevents a costly full replacement later. Replacement still usually requires paying your deductible.
Special state rules: - A few states (Florida, Kentucky, South Carolina) require insurers to waive the deductible entirely for windshield replacement if you have comprehensive coverage — meaning free replacement. - Some insurers offer optional 'full glass coverage' that waives the deductible on all glass claims.
Repair vs. replace: - Small chips and cracks (generally under 6 inches, not in the driver's line of sight) can often be repaired quickly and cheaply. - Larger cracks, or those in the driver's view, usually require full replacement.
Does it raise rates? Glass claims are typically comprehensive (not-at-fault) and usually have minimal impact on premiums, though filing many claims can eventually matter.
Tip: Repair chips early — a small chip can spread into a full crack from temperature changes or bumps, turning a free or cheap repair into an expensive replacement.