Yes. Allstate pays for windshield replacement under comprehensive coverage, but whether you owe a deductible depends on whether the glass is repaired or replaced. Allstate handles glass-only claims through a program called Glass Claim Express.
This article covers how Allstate handles the claim itself, assuming you carry comprehensive coverage. For whether Allstate covers glass damage at all, its Full Glass Coverage option, and which states require the deductible waived by law, see does Allstate have glass coverage.
Key Takeaways
- Allstate pays for windshield replacement under comprehensive coverage. Whether a deductible applies depends on repair versus replacement, not simply on filing a claim.
- Allstate says there’s no deductible for a glass repair. For replacement, “states differ,” so check your own policy for the deductible that applies.
- Glass Claim Express partners with Safelite but doesn’t require it. Either way, Allstate says you have roughly 7,200 repair shops to choose from.
- Start a claim online or through MyAccount. Allstate’s page for this program doesn’t list a phone number, so use its general contact options if you’d rather call.
Repair vs. Replacement: Why It Changes Your Cost
Allstate’s windshield damage guidance treats a chip or crack “smaller than a dollar bill” as generally repairable. Its windshield and glass claims page is direct about what that means for your wallet: “There is not a deductible for a glass repair. States differ on if there is a deductible for a glass replacement so you will need to check your policy to learn more.”
In practice, a small chip fixed in place usually costs you nothing beyond your premium. A full windshield replacement may mean paying your comprehensive deductible. Allstate says states differ on that, and a few states waive glass deductibles by law, as covered in the article linked above.
How Glass Claim Express Works
Glass Claim Express is “a benefit of your Allstate auto or motorcycle policy,” giving you “24/7 access to a Glass Claim Express expert” and a network of “7,200 repair shops to choose from.”
Choosing a Repair Shop
Allstate “partners with auto glass experts, Safelite, to handle glass-only claims,” and filing online routes you to Safelite by default. But “you are not required to use a Safelite shop for repairs.” Choosing Safelite adds a “Lifetime Workmanship guarantee on full glass replacements.” Allstate’s pages don’t spell out billing mechanics for an independent shop, so ask that shop directly whether it bills Allstate or expects you to pay and submit for reimbursement.
Filing a Claim
Start a glass claim online with Safelite or by logging into MyAccount. Allstate’s windshield-and-glass claims page doesn’t list a dedicated phone number for this program; if you’d rather call, see our list of Allstate’s phone numbers by department for the right line.
For a very small, cosmetic chip, it’s worth checking whether insurance covers a cracked windshield at all before you file. Filing doesn’t always mean paying a deductible, but you may still want to know whether your insurance goes up after a rock hits your windshield before you decide.
What to Confirm Before You Book
- Repair or replacement: Ask which one applies to your damage. Allstate says a repair has no deductible; for a replacement, it depends on your state and policy.
- Your deductible amount: Check your declarations page if replacement applies and your state doesn’t waive the deductible by law.
- Safelite or an independent shop: Safelite includes a lifetime workmanship guarantee on replacements. An independent shop may handle billing differently, so ask first.
- How to track the claim: Use MyAccount or the method you used to file, since Allstate’s page for this program doesn’t list a separate phone line.