Does Insurance Cover Safelite and Other Auto Glass Repairs?

Safelite is one of the largest auto glass repair companies in the US, with a network of over 5,000 service locations.

Most insurance companies, including Geico, Progressive, and State Farm, offer coverage for auto glass repairs, including windshield replacement.

However, the specifics of coverage vary by insurance provider and policy.

Some insurance policies may require a deductible to be paid before coverage kicks in.

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If you have car insurance, then you may or may not have coverage for broken auto glass. Comprehensive coverage is optional in all states, and if you have it, you should be able to make a claim for any Safelite glass repair or replacement services.

You pay your comprehensive coverage deductible (typically around $250 per claim), and your insurance covers all remaining costs of repairing or replacing your glass. If you have minimum liability insurance, then your insurance will not cover the cost of repairing glass or windshield damage to your own vehicle unless the damage occurred in an accident where the other driver was at-fault.

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Three states, including Kentucky, South Carolina, and Florida, require insurers to repair and replace windshield glass without charging a deductible. If you live in one of these states and have comprehensive coverage, then you should pay nothing to get your windshield repaired or replaced with Safelite.

Here's a breakdown of how insurance coverage works for auto glass repair:

If you have comprehensive coverage, you'll typically pay a deductible, usually around $250, when filing a claim for Safelite glass repair or replacement.

You might choose not to file an insurance claim for Safelite repairs or replacements if you don't have comprehensive coverage or if your deductible costs more than the repairs themselves.

In some cases, your insurance company may waive your deductible for auto glass claims. If you paid extra for full glass coverage, for example, or if your insurer has special perks, you might avoid paying a deductible for your Safelite glass repair or replacement.

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Most insurers cover Safelite glass repairs (not glass replacements) at no cost to you, as long as you have comprehensive coverage and your glass can be repaired.

In three states – Kentucky, South Carolina, and Florida – insurers are required to repair and replace windshield glass without charging a deductible, even if you have comprehensive coverage.

Here's a quick rundown of common deductibles for auto glass claims:

Safelite is familiar with virtually all insurance providers in the country and administers glass coverage programs for some of the largest insurers.

If you have comprehensive coverage, you should be able to make a claim for any Safelite glass repair or replacement services, but you'll still need to pay your deductible, typically around $250 per claim.

If you have minimum liability insurance, your insurance won't cover the cost of repairing glass or windshield damage to your own vehicle unless the damage occurred in an accident where the other driver was at-fault.

In three states, including Kentucky, South Carolina, and Florida, insurers are required to repair and replace windshield glass without charging a deductible if you have comprehensive coverage.

You can get a free estimate on windshield repairs or replacements by contacting Safelite today, and they can review your coverage to determine if insurance covers your damage.

Here's a breakdown of how insurance covers Safelite glass repairs and replacements:

If you have comprehensive coverage, you can make a claim for Safelite glass repair or replacement services. You'll pay your deductible, which is typically around $250 per claim, and your insurance covers the remaining costs.

You can file a glass claim through the Lemonade app, which will pass your details to Safelite. Their auto-glass repair partner will then coordinate with you directly to assess the damage and arrange repairs.

If you have minimum liability insurance, your insurance won't cover the cost of repairing glass or windshield damage to your own vehicle unless the damage occurred in an accident where the other driver was at-fault.

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In some states, like Kentucky, South Carolina, and Florida, insurers are required to repair and replace windshield glass without charging a deductible. If you live in one of these states and have comprehensive coverage, you might not pay a thing to get your windshield repaired or replaced with Safelite.

Here are some scenarios where you might not have to pay a deductible for Safelite glass repair or replacement: