Colorado Windshield Replacement Auto Insurance (2024)
Colorado windshield replacement auto insurance will repair or replace your windshield if it is cracked or chipped. If you don't have this coverage, your windshield may still be covered if you have a zero-deductible, full coverage insurance policy. Full coverage costs an average of $132 per month.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Sep 11, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Sep 11, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- There are no specific laws in Colorado when it comes to full glass replacement services
- Some insurance companies may offer zero-deductible glass coverage but are not obligated to do so
- Shop around to get the best coverage and consider whether you will accept aftermarket glass or OEM
Colorado windshield replacement auto insurance is often advertised as a glass coverage add-on. If you don’t want to purchase a glass coverage add-on, most of your windshield damages will be covered by a full coverage auto insurance policy.
Want to know what Colorado windshield replacement insurance rates look like? Enter your ZIP now to receive quotes for car insurance that includes comprehensive coverage to repair your windshield.
Colorado Windshield Full Coverage Auto Insurance
If you want full auto glass coverage in Colorado, you will need comprehensive auto insurance and collision auto insurance coverage in your policy.
Comprehensive coverage will typically include protection of your vehicle from the following:
- Vandalism
- Theft
- Fire
- Collisions with an animal
- Falling debris
On the other hand, collision insurance will cover damage to your windshield that results from a crash with another vehicle or if you crash your car into a stationary object.
Remember that there are many different insurance companies, and benefits can vary, so you should check over the best auto insurance companies carefully before buying a policy.
Check out this table to see what the average cost of comprehensive coverage is in each state.
Average Annual Comprehensive Auto Insurance Rates by State
| States | Average Annual Comprehensive Auto Insurance Rates |
|---|---|
| Alabama | $146.28 |
| Alaska | $141.08 |
| Arizona | $184.20 |
| Arkansas | $183.36 |
| California | $99.29 |
| Colorado | $158.34 |
| Connecticut | $126.02 |
| Delaware | $113.23 |
| District of Columbia | $230.25 |
| Florida | $110.12 |
| Georgia | $153.61 |
| Hawaii | $100.09 |
| Idaho | $110.78 |
| Illinois | $117.98 |
| Indiana | $115.02 |
| Iowa | $171.58 |
| Kansas | $225.34 |
| Kentucky | $130.15 |
| Louisiana | $208.59 |
| Maine | $96.66 |
| Maryland | $146.77 |
| Massachusetts | $128.92 |
| Michigan | $147.02 |
| Minnesota | $173.04 |
| Mississippi | $194.74 |
| Missouri | $166.34 |
| Montana | $199.87 |
| Nebraska | $206.24 |
| Nevada | $116.79 |
| New Hampshire | $103.03 |
| New Jersey | $123.18 |
| New Mexico | $166.89 |
| New York | $156.66 |
| North Carolina | $123.00 |
| North Dakota | $227.64 |
| Ohio | $112.74 |
| Oklahoma | $201.56 |
| Oregon | $89.66 |
| Pennsylvania | $132.01 |
| Rhode Island | $122.17 |
| South Carolina | $165.38 |
| South Dakota | $228.59 |
| Tennessee | $135.62 |
| Texas | $186.70 |
| Utah | $106.57 |
| Vermont | $118.31 |
| Virginia | $129.89 |
| Washington | $104.11 |
| West Virginia | $195.04 |
| Wisconsin | $126.34 |
| Wyoming | $222.86 |
| U.S. Average | $138.87 |
As you can see, comprehensive coverage in Colorado is relatively affordable.
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Colorado Windshield Auto Insurance Deductible
When it comes to glass damage, it’s also important to consider whether you have to pay a deductible. Some insurance companies may offer a zero-deductible benefit, but Colorado doesn’t require it.
Read more: Auto Insurance Deductibles Defined
Before you decide to file a claim, look closely at your deductible amount to see whether it makes sense. After all, some auto insurance deductibles can be $500 or more, and it may cost less than that to repair or replace your windshield.
Colorado Windshield Insurance Replacement Laws
Colorado has no specific laws that say you cannot drive with a broken windshield.
However, no driver can operate a vehicle if they have an obstructed view, which means that if a crack or chip is directly in front of your field of vision, you should take steps to replace the windshield.
It’s also important to remember that small chips or cracks can sometimes quickly grow into much larger obstructions, especially when your vehicle encounters those ever-present potholes.
Colorado Windshield Replacement With Aftermarket Glass
If you need a windshield replacement, there are no legal restrictions that state that glass replacement companies cannot use aftermarket or used glass.
Because of this, the decision on which kind of glass to use to replace your old one may be up to your insurance company, not you. And some companies insist that you follow specific procedures when you make a claim.
If you do not want aftermarket glass, you will need to be sure you can always get the original equipment manufacturer’s (OEM) glass with your insurance company. You can confirm this is an option with your insurance agent when reviewing your policy.
An insurance company doesn’t have to explicitly state that it only pays for aftermarket glass, so you should ask the question or pick a company that gives you the answer upfront.
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What the Full Glass Coverage Laws in Colorado Mean for You
In Colorado, there’s no specific law for windshield replacement auto insurance in Colorado, but federal rules make it clear you should replace your windshield if your view is obstructed.
To make sure you can do this easily, you can get coverage for a broken windshield if you carry comprehensive or collision insurance. Your claim will depend on the circumstances and whether the damage was due to a collision with another vehicle or not.
Before you choose auto coverage for windshield damage in Colorado, consider your deductible to make sure you can afford any out-of-pocket costs. Be sure to ask your agent whether your insurance company intends to use aftermarket glass for windshield replacements, too, so you can decide if the coverage is right for you.
Each insurance company has its own rules and policies about windshield repair and replacement. For instance, Progressive rock chip repair is available to policyholders without paying a deductible as long as the crack is less than six inches long.
Ready to buy affordable Colorado windshield replacement insurance? Find the best coverage at the best rate right here. Enter your ZIP to compare the best Colorado windshield replacement insurance quotes.
Frequently Asked Questions
Is windshield replacement covered by auto insurance in Colorado?
Yes, windshield replacement is typically covered by auto insurance in Colorado. It falls under the comprehensive coverage portion of your policy, which helps cover damages not caused by a collision.
Do I need to pay a deductible for windshield replacement in Colorado?
It depends on your auto insurance policy. Some policies have a separate deductible for windshield replacement, while others may waive the deductible for windshield repairs or replacements. Review your policy or contact your insurance provider to determine if a deductible applies in your case.
Can I choose any windshield repair or replacement shop in Colorado?
Most insurance companies in Colorado allow you to choose any windshield repair or replacement shop you prefer. However, some insurers may have a network of preferred providers that offer additional benefits or discounts. It’s advisable to check with your insurance company to understand any specific requirements or recommendations they may have.
What if I choose a repair or replacement shop that is not approved by my insurance company?
If you select a repair or replacement shop that is not approved by your insurance company, you may be responsible for any additional costs beyond what your insurance covers. It’s essential to clarify this with your insurer beforehand to avoid any surprises.
Will filing a windshield replacement claim affect my insurance rates in Colorado?
Filing a windshield replacement claim typically does not affect your insurance rates in Colorado. Windshield claims are generally considered “no-fault” claims and are not counted against your policy. However, it’s always a good idea to check with your insurance provider to confirm their specific policy on this matter.
Are there any limitations or restrictions on windshield replacement coverage in Colorado?
While windshield replacement coverage is generally included in comprehensive auto insurance policies, there might be certain limitations or restrictions. These can include limits on the number of claims you can make within a specific period or restrictions on the types of damages covered. It’s crucial to review your policy or contact your insurance company to understand the specific terms and conditions of your coverage.
What does $500 deductible with full glass mean?
It means you have to pay the deductible before insurance will cover the rest of the amount for glass and car damages.
Is it illegal to drive with a cracked windshield in Colorado?
It is illegal to drive with a cracked windshield in Colorado if it obstructs your view of the road.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.