Shuman Roy is an entrepreneur, business owner, and musician. He started RoysNoys, LLC in 2013 as a music production and education service company. He also offers small business consulting and advisory services to help businesses get from start-up mode to turn-key operations. Shuman earned his M.B.A from the Stern School of Business in 2001 and has an undergraduate degree from Manhattan College in ...

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Joel...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Sep 30, 2021

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The Truth in a Nutshell

  • Car insurance companies will coverage window damage if you have the correct coverages
  • You need comprehensive and collision insurance to cover damages to car windows from accidents or other reasons
  • Some states require car insurance companies to replace or repair windshields for free or waive deductibles

At some point, everyone will have a broken car window that needs to be repaired or replaced. The most common damage is a broken windshield, usually from road debris.

Does my insurance cover windshield replacement? That will depend on your car insurance company and the type of coverage you have.

Finding car insurance companies that cover car windows is very easy since they all will cover window damage if you have the correct coverages.

Shop around for the lowest rates on car insurance that will cover car window damage. Compare rates from various companies to see who can offer you the best deal on the coverages you need.

Enter your ZIP code now to compare free quotes from car insurance companies that cover car windows in your area.

What car insurance companies cover damage to car windows?

Car insurance companies that don’t cover car windows with the right type of coverage are non-existent.

In fact, all car insurance companies cover damage to your windows provided you have the correct type of coverage. 

Collision, comprehensive, and liability coverage make up full coverage car insurance. You will need either comprehensive or collision coverage depending on how your window was broken.

Rates from car insurance companies that cover car windows aren’t much more expensive than liability-only or low coverage insurance.

This table shows you the average rates for different types of coverages from top companies:

Average Annual Car Insurance Rates by Provider and Coverage Level
CompaniesAverage Annual Rates
for Low Coverage
Average Annual Rates
for Medium Coverage
Average Annual Rates
for High Coverage
Allstate$4,628.03$4,896.81$5,139.02
American Family$3,368.49$3,544.37$3,416.40
Farmers$3,922.47$4,166.22$4,494.13
GEICO$3,001.91$3,213.97$3,429.14
Liberty Mutual$5,805.75$6,058.57$6,356.04
Nationwide$3,394.83$3,449.80$3,505.37
Progressive$3,737.13$4,018.46$4,350.96
State Farm$3,055.40$3,269.80$3,454.80
Travelers$4,223.63$4,462.02$4,619.07
USAA$2,404.11$2,539.87$2,667.92
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You can see that full coverage is only around $30 a month more than low coverage.

Full coverage not only pays for damages to another car if you cause an accident, but it also pays for damages to your car from an accident or other means.

Should I use insurance to replace a windshield? That depends on the coverage you have and the state that you live in. Some states require insurance companies to pay for the repair and replacement of windshields for free.

If your insurance company will raise your rates for filing a claim, it will probably be cheaper to just pay for the repair or replacement yourself.

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What do collision and comprehensive car insurance cover?

There are three main types of car insurance. Liability coverage is the minimum car insurance required by most states. Collision and comprehensive coverages are usually considered add-ons.

What’s the difference between comprehensive and collision coverage?

Collision insurance pays for damages to your vehicle resulting from an accident. It also covers injuries to yourself or your passengers.

Comprehensive insurance pays for damages to your car that aren’t from an accident. Fire, theft, vandalism, natural disasters, and falling debris are examples of damages that would be covered under comprehensive insurance.

Does car insurance cover broken windows from an accident?

Yes. Let’s say you are in an accident and your windshield shatters. Your collision coverage would pay for damages.

Does car insurance cover cracked windshields from road debris?

Yes, for example, if you are driving on the interstate and a rock hits your windshield, your comprehensive coverage would pay for the repairs.

What You Need to Know About Car Insurance Companies that Cover Car Windows

Car insurance will cover window damage if you have the right coverages. Generally, you would need collision and comprehensive coverage to pay for damages to your windows.

However, some states require insurance companies to repair or replace windshields for free or waive the deductible.

Shop around to find cheap auto insurance that covers car window damage. Compare multiple companies to find the coverage you need with the lowest rates.

To compare free quotes from affordable auto insurance companies that cover car windows before you buy, enter your ZIP code now.