Yes, if you carry comprehensive coverage. State Farm says its comprehensive coverage includes “glass claims and windshield repair,” and that it covers both repairs and replacements, depending on how bad the damage is. Your deductible may apply.
Whether you pay that deductible depends on your state and your policy. State Farm’s Texas policy, for example, waives it for windshield repair, and a few states ban glass deductibles by law.
Key Takeaways
- Comprehensive coverage pays for windshield and glass damage that isn’t caused by a collision, such as a rock chip or hail, minus any deductible that applies.
- State Farm glass claims go through Safelite Solutions, its third-party administrator. You can file online, through your agent or by calling 888-624-4410. Massachusetts policyholders call 800-526-8210.
- Small damage can often be repaired instead of replaced. State Farm says repairs are typical for breaks outside the driver’s line of sight, fewer than three cracks and cracks under 6 inches.
- Deductible rules depend on your state and policy. Florida, Kentucky and South Carolina eliminate glass deductibles by law, and State Farm’s Texas policy waives the deductible for windshield repair.
Which State Farm Coverage Pays for a Windshield?
State Farm’s comprehensive coverage page says the coverage “helps pay to repair or replace a covered vehicle from a loss not caused by a collision,” including glass claims and windshield repair. State Farm’s guide to comprehensive insurance lists cracked or shattered windshields and windows among the glass damage it covers.
If the glass broke in a crash, it’s typically handled as part of the collision claim for that accident. And if you carry only liability coverage, your own policy generally won’t pay for your windshield.
Repair or Replacement?
State Farm’s glass claims page says, “State Farm covers both windshield repairs and replacements, depending on the extent of the damage.” It lists these as damage that’s typically repairable:
- Small breaks outside the area directly in front of the driver
- Fewer than three cracks
- Cracks less than 6 inches long or wide
Larger damage, or damage in the driver’s line of sight, usually means a replacement. State Farm says repairs at a facility usually take 20 to 30 minutes while you wait, and you can also schedule a mobile technician to come to your home, office or another location.
Will You Pay a Deductible?
Sometimes. Here’s how it breaks down in the situations where the answer is clear:
| Situation | Deductible |
|---|---|
| Windshield repair under State Farm’s Texas policy | None. The Texas policy says no deductible applies to the repair of windshield glass. |
| Windshield damage in Florida | None, by state law, for policies with comprehensive coverage |
| Glass-only claims in Kentucky | None, by state law, under comprehensive coverage |
| Auto safety glass in South Carolina | None. State law says physical damage deductibles don’t apply. |
| Arizona | Insurers must offer a no-deductible glass option that you can choose to buy |
| Most other claims | Your comprehensive deductible may apply. Check your declarations page. |
The state laws are Florida Statutes section 627.7288, Kentucky Revised Statutes 304.20-060, South Carolina Code section 38-77-280 and Arizona Revised Statutes section 20-264. This isn’t a complete national list, so check your state’s rules or ask your agent.
State Farm’s website doesn’t list a separate full glass coverage. In a general article, State Farm notes that “In some states and policies, insurers may offer no-deductible or lower-deductible glass repair options, or separate glass coverage.” Ask your agent what’s available where you live.
How to File a State Farm Glass Claim
- Start the claim. File online, contact your agent or call Safelite Solutions at 888-624-4410. Massachusetts policyholders should call 800-526-8210.
- Choose a repair shop. State Farm says you can “Choose the vendor you prefer from a network of repairers who meet our quality standards.” If you want to use a shop outside that network, ask before the work is done.
- Schedule the work. Pick an in-shop appointment or a mobile technician.
- Pay any deductible that applies under your policy and state law.
If your car has cameras or sensors mounted on the windshield, ask the shop whether they’ll need to be recalibrated after a replacement and whether that’s included in the claim.
Will a Glass Claim Raise Your State Farm Rate?
State Farm doesn’t give a yes or no. Its article on claims and premiums says glass damage is among the comprehensive losses that “may be treated as non-chargeable,” but adds that “A windshield replacement may impact premiums differently than a repair, and any glass loss may still be recorded as claims activity depending on the insurer.”
Some states limit surcharges for these claims. In Massachusetts, state rules allow surcharge points for comprehensive claims only after four or more such claims totaling $2,000 or more. RateFrog’s article on whether a rock chip raises your insurance covers this question across insurers.
For more on glass coverage in general, see our guide to cracked windshield coverage. If you’re comparing companies, RateFrog also explains how Progressive handles windshield claims.
Frequently Asked Questions
Does State Farm Cover a Chipped Windshield?
Yes, if you have comprehensive coverage. A small chip is usually repairable, and State Farm’s Texas policy, for example, doesn’t apply a deductible to windshield repairs.
Does State Farm Cover Side Windows and Rear Glass?
State Farm lists cracked or shattered windshields and windows as glass damage under comprehensive coverage. Your deductible may apply depending on your state and policy.
How Long Does a State Farm Windshield Repair Take?
State Farm says repairs at a facility usually take 20 to 30 minutes while you wait. You can also schedule a mobile technician to come to you.
Who Handles State Farm Glass Claims?
Safelite Solutions LLC is State Farm’s third-party glass program administrator. You can reach it at 888-624-4410, or 800-526-8210 in Massachusetts.
Sources
- State Farm: Comprehensive Coverage
- State Farm: Windshield and Glass Claims
- State Farm: Understanding Comprehensive Insurance
- State Farm: Will My Insurance Increase After a Claim?
- State Farm Texas Car Policy Booklet 9843C (PDF)
- Florida Statutes section 627.7288
- Kentucky Revised Statutes 304.20-060
- South Carolina Code section 38-77-280
- Arizona Revised Statutes section 20-264
- Massachusetts 211 CMR 134 (PDF)