Does Auto Insurance Cover a Cracked Windshield?
Whether your auto insurance will cover a cracked windshield depends largely on the type of coverage you carry. Here’s what you need to know:
1. Comprehensive Coverage and Glass Protection
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Comprehensive coverage (sometimes called “other than collision”) protects against non-collision events such as theft, vandalism, fire, falling objects and animal strikes. It will also pay to repair or replace a cracked or shattered windshield—minus your deductible.
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Many insurers offer separate glass or windshield endorsements that waive the deductible for windshield repair (not replacement). This add-on can save you $100–$300 per claim in out-of-pocket costs.
2. Deductibles and Repair vs. Replacement
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Typical comprehensive deductibles range from $100 to $300. If your repair bill is less than the deductible, you’ll pay out of pocket; otherwise, it makes sense to file a claim.
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Repair is usually faster and cheaper—and may not impact your insurance premium. Many insurers partner with glass specialists who can fix small chips or cracks in under an hour.
3. Filing a Claim
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Document the damage: Take clear photos of the crack.
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Contact your insurer: Ask about your deductible and whether you have a no-deductible glass endorsement.
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Choose a repair shop: Your insurer may have preferred vendors, but you can often select your own.
4. Extended Warranties and Windshield Damage
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Extended auto warranties (service contracts) are designed to cover mechanical breakdowns—engine, transmission, electrical systems—not glass damage. They typically exclude wear-and-tear items and accident-related damage such as cracked windshields.
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Some manufacturers’ factory warranties may cover windshield defects (e.g., manufacturer error), but once your factory warranty expires, windshield cracks must be handled through insurance or paid out-of-pocket.
✅ Key Takeaways
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If you have comprehensive coverage, a cracked windshield is generally covered, subject to your deductible.
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Consider adding a no-deductible glass endorsement if you drive in areas prone to road debris or hail.
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Extended warranties do not cover cracked windshields—use your auto insurance instead or pay directly for repairs.
Don't forget to keep your windshield clean to avoid accidents, especially early or late in the day when the sun is low, and keep your windshield washer fluid topped off for your safety.
— Robert Vaughn