Yes, if you have comprehensive coverage. Progressive pays for windshield repair and replacement under comprehensive, and it doesn’t charge a deductible to repair a crack that’s repairable and less than 6 inches long. For a full replacement, your comprehensive deductible may apply, although some states waive glass deductibles and Progressive offers a $0 glass deductible option in certain states.
Key Takeaways
- Windshield damage from rocks, hail, falling objects or vandalism falls under comprehensive. If the windshield breaks in a crash, collision coverage typically pays instead.
- Progressive says you won’t pay a deductible for a repair when the damage can be fixed, which usually means chips and cracks under 6 inches.
- A replacement may cost you your deductible, unless your state waives it or you have Progressive’s $0 glass deductible option where it’s offered.
- You can file a glass claim online or in the Progressive app. Progressive recommends Safelite but says you’re free to use another shop you trust.
Which Coverage Pays for a Damaged Windshield?
Progressive’s windshield guide says, “If you have comprehensive coverage, then you should be covered for auto glass repair, including a full windshield replacement.” Comprehensive handles damage that isn’t from a crash, such as a rock kicked up on the highway, hail or vandalism.
If the windshield breaks in an accident, Progressive says “collision coverage typically covers the damage instead of comprehensive.” And if another driver caused the damage, you can file a claim against that driver’s insurance. If you carry only liability coverage, glass damage to your own car generally isn’t covered.
What You’ll Pay: Repair vs. Replacement
| Situation | What you pay with comprehensive |
|---|---|
| Repairable chip or crack (generally under 6 inches) | Nothing. Progressive doesn’t apply a deductible to glass repairs. |
| Windshield replacement | Your comprehensive deductible, depending on your state and policy |
| Replacement in a state that waives glass deductibles | Nothing, if your state’s law applies to your claim |
| Replacement with Progressive’s $0 glass option | Nothing, in the states where Progressive offers it |
Progressive’s glass claims page gives a simple example: if a replacement costs $800 and your comprehensive deductible is $100, “you’ll pay only $100.” It also says windshields can usually be repaired if the damage is less than 6 inches long, and will likely need replacing if it’s larger.
States That Waive Glass Deductibles
A few states limit glass deductibles by law, regardless of your insurer. Progressive itself mentions Florida’s windshield law.
- Florida: State law says no deductible applies to windshield damage under a policy with comprehensive coverage.
- Kentucky: State law requires comprehensive coverage to pay glass-only claims without a deductible, and insurers can’t require you to use a specific shop.
- South Carolina: State law says physical damage deductibles don’t apply to automobile safety glass.
- Arizona: State law requires insurers to offer a no-deductible glass option that you can choose to buy.
Elsewhere, Progressive says it offers “a $0 deductible option for glass-only replacement claims” in certain states. It doesn’t list which ones, so ask when you get a quote.
How to File a Progressive Glass Claim
- Report the damage quickly. Progressive says to log in online or use the app and report glass damage “as soon as possible” so it can confirm your comprehensive coverage applies. File before any repairs are made.
- Choose a shop. Progressive recommends Safelite AutoGlass or one of its affiliated shops, and says, “You’re also free to choose another shop you trust.” Network shops work at prearranged prices, so you pay only your deductible, if any.
- Get the repair or replacement done, and pay your deductible if one applies.
Questions about a glass claim can go to Progressive at 1-800-776-4737.
Will a Glass Claim Raise Your Progressive Rate?
Progressive’s answer is that it “varies between car insurance companies,” and it suggests talking to your insurer. Its claims FAQ says some claims typically won’t raise your rate, such as one with a payment of less than $500, which covers many chip repairs. RateFrog’s articles on whether a rock chip raises your insurance and cracked windshield coverage cover this in more detail.
Frequently Asked Questions
Does Progressive Have Full Glass Coverage?
Progressive offers a $0 deductible option for glass-only replacement claims in certain states. It doesn’t publish the list of states, so ask a Progressive representative whether it’s available where you live.
Can I Choose My Own Glass Shop With Progressive?
Yes. Progressive recommends Safelite and its affiliated shops, but it says you’re free to choose another shop you trust.
Should I File a Claim for a Small Windshield Chip?
Often, yes. With comprehensive coverage, Progressive doesn’t charge a deductible for repairs, and repairing a small chip early can keep it from spreading into a crack that needs a full replacement.
Does Progressive Cover Side and Rear Windows Too?
Comprehensive covers glass damage that isn’t caused by a collision. Progressive’s Nevada policy form, for example, includes a window glass coverage option for the windshield, back glass, windows, moonroof and sunroof. Check your own policy for the details in your state.