Yes. Allstate covers windshield and other glass damage under comprehensive coverage, the same coverage that pays for hail, vandalism and theft. In some states, Allstate also offers a Full Glass Coverage option that can pay for a windshield repair with no deductible. Without comprehensive on your policy, an ordinary chip or crack generally isn’t a covered loss.
Comprehensive is optional coverage, though a lender or lease will typically require it, and it’s often part of what people call “full coverage.” That phrase isn’t a standardized policy: what’s actually included depends on your state, your insurer and the coverages you picked. See our breakdown of what Allstate’s full coverage auto insurance covers for the fuller picture.
Key Takeaways
- Glass damage is a comprehensive-coverage claim at Allstate, not a separate glass policy. Without comprehensive, an ordinary crack or broken window generally isn’t covered.
- Allstate’s Full Glass Coverage option can pay for a windshield repair with no deductible in some states. Allstate doesn’t name which ones, so ask your agent or check your declarations page.
- Florida, South Carolina and Kentucky have laws that waive the deductible for certain glass claims under comprehensive coverage, for every insurer, Allstate included. That’s a state rule, not something Allstate chose to offer.
- Check your declarations page before you need it: confirm comprehensive is on the policy, note your deductible, and make sure it applies to the car in question.
How Allstate Classifies Glass Damage
Allstate’s windshield damage guidance says comprehensive coverage “may help pay for windshield repair or replacement.” There’s no separate line item called “glass coverage” on an Allstate policy by default. Comprehensive does the work, and it’s optional coverage, though a lender or lease may require it.
Liability-only policies don’t include comprehensive at all. If that’s what you carry, a cracked windshield or broken window isn’t a covered loss no matter what caused it.
Full Glass Coverage: Allstate’s No-Deductible Option
Allstate’s own guidance says “full glass coverage may be available in some states as part of your comprehensive coverage or in addition to it,” and can “help pay for the repair of your windshield with no deductible applied.” Allstate’s page doesn’t name the states where it’s offered, so ask your agent whether it’s available where you live and whether it’s already on your policy.
States Where the Deductible Is Waived by Law
Separate from any Allstate add-on, three states require the glass deductible to be waived for every auto insurer operating there.
| State | What the Law Requires |
|---|---|
| Florida | Comprehensive coverage’s deductible does not apply to windshield damage |
| South Carolina | No deductible applies to a claim for automobile safety glass |
| Kentucky | Glass-only claims get complete coverage with no deductible or minimum amount |
Florida and South Carolina both bar a deductible for glass losses under comprehensive coverage: see Florida’s statute and South Carolina’s. Florida’s rule names the windshield specifically; South Carolina’s covers “automobile safety glass” more broadly, including side and rear windows.
Kentucky’s law goes further, requiring “complete coverage” for a glass-only claim “without regard to any deductible or minimum amount,” and insurers can’t force you to use a specific shop. None of this is something you buy from Allstate. If your policy includes comprehensive coverage and is issued in one of these three states, the waiver applies regardless of insurer.
Repair, Replacement and Filing a Claim
Allstate says there’s no deductible for a glass repair, while whether a deductible applies to a replacement differs by state. The mechanics of that distinction, plus Allstate’s glass-claim program and repair-shop network, are covered in our guide to how Allstate handles windshield replacement.
Before You Need It: What to Check
- Comprehensive coverage: Confirm it’s on the policy, not just liability. Your declarations page will say so.
- Your deductible amount: That’s what may apply to a full replacement, depending on your state and policy.
- Full Glass Coverage availability: Ask your agent whether it’s offered in your state and whether you already have it.
- Whether a claim affects your rate: See whether your insurance goes up after a rock hits your windshield before deciding whether to file.