What Is Full Glass Coverage?

Does your windshield have damage? Learn how full glass coverage can repair your auto glass without a deductible.
Auto repair workers replacing a car's windshield

Imagine that you’re driving on the freeway and then a rock flies into your windshield, leaving a ding. Sound familiar? Unfortunately, this happens to many people every day, and it’s just one of several ways your windshield can sustain damage. If you have full glass coverage, you can get your windows replaced without having to pay a thing.

In most cases, full coverage insurance will take care of it if you pay a deductible. But if you have full glass, you won’t need to pay anything if you file a claim.

This article will tell you everything you need to know about full glass coverage, including how it works and what it does and doesn’t cover. You’ll also learn about whether it’s right for you and how much it costs.

How Full Glass Coverage Works

Full glass coverage is a type of car insurance that replaces your auto glass without a deductible. This means you can file a claim to repair your windshield or other windows for free. To get it, you must add it separately to your auto policy, which would add an extra cost to your monthly premium.

Without deductible-free coverage, your comprehensive or collision coverage would pay for the repair costs, depending on the situation. However, you’d need to pay a deductible. You also could end up paying for the repairs out of pocket. This would happen if the repair costs were less than the deductible. Full glass eliminates all of this because it would just take care of your claim at no cost.

What It Covers

Full glass coverage pays for any damage to your car’s windows. This includes the following:

  • Windshield
  • Sunroof
  • Passenger windows
  • Back window

There are many different reasons why your car’s windows could sustain damage. Your insurance will protect your car windows from any damage-causing force that’s out of your control, including:

What It Doesn’t Cover

Full glass coverage protects you from damage out of your control. However, if you break your windshield, accidentally or intentionally, your insurance won’t cover it. Below are some situations that it won’t protect you from:

  • Pouring freezing water on a hot windshield or vice versa
  • Accidentally dropping something on your windshield
  • Poor maintenance

Full Glass Coverage vs. Comprehensive Coverage

Both full glass and comprehensive coverage will pay for damages to your car’s windows. However, each is slightly different. Comprehensive pays for any window repairs in the event of a random disaster, but you must pay a deductible whenever you file a claim. On the other hand, full glass will repair or replace your windows free of charge.

Your collision insurance will also pay to repair or replace your auto glass if a crash with another object causes any damage. However, you’ll still need to pay a deductible. Full glass covers both damages from a collision or a random event, such as hail.

How Much Does It Cost?

Zero-deductible glass coverage is a separate add-on to your auto insurance policy. Adding it will result in slightly higher premiums each month. In general, the coverage can cost anywhere from tens to hundreds of dollars. How much you end up paying depends on several factors, including:

  • Where you live (i.e., state and city)
  • The car you drive
  • Your driving record
  • Age
  • Claim history

If you feel like your glass coverage rates are too high, you could always test the market. It’s a smart idea to compare car insurance quotes to find the best deal out there.

Does Every State Allow It?

Not every state requires insurers to provide the option of deductible-free glass insurance. In fact, only a handful of them do. These states require that providers offer glass coverage with no deductible:

States That Require a Free Windshield Replacement

Other states require insurers to replace your windshield for free. This means that you won’t have to pay that pesky deductible if you file a comprehensive insurance claim. Here are the states that require insurers to repair your windows at no cost:

You still need to have comprehensive insurance on your policy to qualify for a free windshield. The only cost your state waives is the deductible that goes along with your claim.

Should I Get It?

Repairing your windshield or other windows can be expensive. Your deductible can also be costly, depending on how high you set it. For this reason, full glass insurance is usually worth it. This is especially true if you’re at risk for glass damage because of dangers like hail, falling trees, or vandalism.

If your state already replaces windshields for free, then you wouldn’t need full glass coverage. Also, you may not need it if you are at low risk for window damage. The extra monthly cost will add up over time and, eventually, be more than your deductible would’ve been for a one-off claim. Ultimately, it’s up to you to weigh your risk for damage against the cost of extra coverage.

Which Companies Offer It?

Full glass auto coverage isn’t usually available unless your state requires insurers to offer it. If you live in a qualifying state, all of the major insurers can provide it. Here are all of the top insurance companies that will offer it in qualifying states:

Will Filing a Glass Claim Affect My Rates?

In general, filing a claim shouldn’t affect your auto rates. However, if you have a track record of filing claims, you could see a bump in your premium. Also, if you were at-fault in an accident, your rates are sure to go up. Be sure to check with your insurance company before you file if you’re worried about a potential rate increase.

Frequently Asked Questions

Q: Is full glass coverage worth it?

A: It’s worth it in most cases. If you’re at high risk for window damage because of weather, vandalism, or another cause, this coverage is a smart investment. However, you may not need it if you aren’t at high risk for damage. You’ll just need to decide whether you want to pay a deductible if you ever do need to file a claim.

Q: What does full glass coverage mean?

A: This type of coverage pays to repair or replace your car’s windows deductible-free after a random disaster. This means you won’t need to pay any money to file a claim. However, you will need to pay extra each month for your premium. Be aware that it isn’t available in most states, but a few require insurers to offer it.

Q: Does State Farm offer full glass coverage?

A: Depending on your state, State Farm may offer it. Arizona, Connecticut, Massachusetts, Minnesota, and New York require all insurers to offer it. If you don’t live in these states, you won’t be able to get full glass protection from State Farm.

Q: Does full glass coverage cover side windows?

A: Yes, it will cover passenger windows. It also covers your windshield, sunroof, and any other glass your car has. Remember, it’ll only kick in if you get into a collision or have random disaster damage your car. If you damage your car’s windows intentionally or accidentally, your insurance won’t pay for it.

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