Arizona Windshield Replacement Auto Insurance (2024)

Windshield damage laws in Arizona state you can’t drive with a cracked or damaged windshield that impairs your vision. Replacing a windshield can easily cost over $1,000, especially if your car has driver-assist technology.

Luckily for Grand Canyon State residents, Arizona glass coverage laws state that any comprehensive insurance policy needs to include a zero-deductible replacement option. You can get a free windshield replacement in Arizona as long as your Arizona auto insurance policy includes comprehensive coverage.

However, Arizona free windshield replacement laws don’t cover multiple damaged windshields every year. Read on to learn more about Arizona windshield replacement auto insurance, including how much it costs and how many windshields you can have replaced per year. Then, compare full coverage rates from multiple companies to find the best rates that include full glass coverage.

Why do you need windshield insurance in Arizona?

Windshield damage can occur without warning, especially if the wheel of a passing vehicle throws up a stone. When a projectile hits the windshield, it can cause a small chip or a larger crack. Unfortunately, these cracks can spread as you encounter potholes or weather changes, making the situation even worse. It’s tough to avoid this type of damage, and repair or replacement costs can undoubtedly be an unwanted expense. That’s why it’s best to be prepared with the right coverage so you can get your windshield fixed quickly.

Learn more about Progressive windshield replacement.

What does the law say about driving with a cracked windshield?

Laws dictate that you cannot drive a vehicle with a cracked windshield that restricts your vision. The Code of Federal Regulations specifies that a windshield must be free of damage in an area above the steering wheel and out to 1 inch from each edge. If you have damage that’s likely to impede your vision when driving, you need to get the windshield replaced or risk getting a ticket.

Arizona Windshield Replacement Law

Arizona Windshield Replacement Auto Insurance Options

Some insurance policies cover glass replacement. Typically, comprehensive insurance policies will include this, but you’ll want to check the fine print to be sure yours does. Glass coverage is not usually included in liability or collision policies.

Arizona Windshield Replacement Auto Insurance Laws

While insurance companies may require you to use your deductible when claiming against insurance, windshield coverage in Arizona falls under an optional coverage law. In this state, like several others, insurance providers may offer a zero-deductible benefit for auto glass repairs and replacement. That means that if you have this coverage, you can opt to repair or replace your windshield without using your deductible. 

Should you use aftermarket or original equipment?

If you need to file a claim, you also have the right to choose who performs the work. Keep in mind that a mechanic can use aftermarket parts, not only components provided by the original equipment manufacturer (OEM).

The repair company does need to disclose the origin of the parts and tell you whether they are using aftermarket glass. It must be of similar quality to the original and have a similar warranty, so you shouldn’t notice any difference in the functionality or quality of the replacement, regardless of its origin.

Remember, you don’t have to use a particular service provider under these state insurance laws. Therefore, if you’re adamant that you only want OEM glass, you can search for a service provider that only offers this glass. You won’t need to get approval from your insurance company before you use a particular vendor. More importantly, you won’t need to worry about paying the difference between their preferred vendor and yours.

Windshield Repair Costs

How much does it cost to replace or repair a windshield in Arizona? Some companies estimate between $150 and $300 for a car, but this varies significantly by vehicle type. When you consider that an auto insurance deductible maybe $500 or more, you will undoubtedly want to take advantage of your policy’s zero-deductible glass coverage in Arizona.

Understand How Arizona Auto Glass Insurance Laws Affect You

Arizona does not have any laws that make windshield replacement free. However, under Arizona’s glass insurance law you may be able to get the work performed without using your deductible. Check with your insurance company to make sure before you act.