Does my progressive insurance cover windshield replacement

Last Updated on February 22, 2022

Replacing a windshield can be expensive. Fortunately, if you have comprehensive car insurance with Progressive, you should be covered.

Progressive covers the cost of repairing or replacing your windshield as long as you have comprehensive coverage. Depending on the type and severity of the damage, you may or may not pay a deductible.

Keep reading to discover everything you need to know about how Progressive covers windshield replacement.

Table of Contents:

• Progressive Covers Windshield Replacement Through Comprehensive Coverage
• How Progressive Covers Windshield Replacement
• When Do You Pay Your Deductible?
• Should I Repair or Replace My Windshield?
• FAQs About How Progressive Covers Windshield Replacement

Progressive Covers Windshield Replacement Through Comprehensive Coverage

If you have comprehensive coverage with Progressive, then Progressive should cover the cost of repairing or replacing your windshield after most types of losses.

Comprehensive coverage is an optional type of car insurance designed to protect your vehicle against theft, vandalism, fire damage, hail damage, flood damage, collisions with animals, and other incidents that occur outside of accidents. It also covers damage to your windshield and other glass on your vehicle.

If you have full coverage car insurance with Progressive, then your policy includes comprehensive coverage, which means Progressive covers the cost of repairing or replacing your windshield.

However, if you only have liability insurance with Progressive, then Progressive will not cover the cost of repairing or replacing your windshield. All states require liability insurance, while no states require comprehensive coverage.

How Progressive Covers Windshield Replacement

Progressive may cover windshield replacement via your comprehensive coverage or collision coverage, depending on how the damage occurred.

• Comprehensive coverage applies when your windshield was damaged by falling debris, hitting a deer or other animal, getting hail damage, and encountering other perils while driving or parked. You pay your comprehensive coverage deductible (typically around $250), and Progressive covers the remaining costs of replacing your windshield.
• Collision coverage applies when you damaged your windshield in a car accident. If you were at fault for the accident, then you make a claim through your Progressive collision coverage. You pay your collision coverage deductible (typically around $500), and Progressive covers the remaining costs of restoring your vehicle to pre-loss condition. If the other driver was at fault, then you make a claim through the other driver’s insurer.
• Drivers who live in no-fault states always file claims through their own insurance company instead of the other driver’s insurance company. 12 states are considered no-fault states, including Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Pennsylvania, and Utah.

When Do You Pay Your Deductible?

You may or may not pay your deductible when repairing your windshield, depending on the severity of the damage.

You Do Not Pay Your Deductible for Windshield Repairs: If your windshield can be repaired, then Progressive should cover the full cost of repairing your windshield without charging the deductible. In most cases, your deductible is more than it would cost to repair the windshield. In this situation, you do not pay the deductible, and Progressive covers all repairs.

You Pay Your Deductible for Windshield Replacements: If you need to replace your windshield, then you will pay your deductible. You pay a comprehensive coverage or collision coverage deductible, then Progressive covers the remaining cost of replacing your windshield.

There is an exception to this rule: if you live in Florida, Kentucky, or South Carolina, then you never pay a deductible for any windshield repairs or replacements. These states require insurers to cover windshield repairs and replacements with zero deductible.

Similarly, five states require insurers to offer full glass coverage. If you have full glass coverage on your Progressive policy, then you pay no deductible. Progressive is required to offer full glass coverage in Arizona, Connecticut, Massachusetts, Minnesota, and New York, and the company may offer additional full glass coverage in other states.

Should I Repair or Replace My Windshield?

In most cases, the decision to repair or replace your windshield is left to the experts: the glass technicians. The glass technicians will check your windshield to determine the extent of the damage. Then, they’ll determine if it’s better to repair or replace your windshield.

Rules vary. However, as a general guideline, glass technicians may use the following:

• The windshield may be able to be repaired if it has 3 or fewer cracks or chips and no damage larger than 6 inches
• The windshield may need to be replaced if it has 4 or more cracks or chips and/or damage larger than 6 inches

FAQs About How Progressive Covers Windshield Replacement

Windshield replacement claims can be messy. Here are some of the frequently asked questions we get about Progressive’s windshield replacement coverage and how it works:

Should I use insurance to replace my windshield? If you have comprehensive coverage with Progressive, then it’s generally worth it to file a claim to replace your windshield. It costs around $400 to $1,000 to replace a windshield, and most comprehensive coverage deductibles are around $250. Even if it costs only $400 to replace your windshield, you’re saving $150 by filing a claim.

Does Progressive cover rock chips? Comprehensive coverage covers multiple types of windshield damage, including rock chips. Rock chip damage can spread into larger cracks, so it’s best to fix it sooner rather than later.

Will filing a windshield claim raise my premium? Most comprehensive coverage claims will not raise premiums. However, filing a collision claim for windshield replacement (say, after an at-fault accident) could raise rates. Contact your insurer to determine if filing a windshield claim raises premiums.

What should I do if I don’t have glass coverage? If you don’t have glass coverage (i.e. comprehensive coverage), then you should pay to repair your windshield out of pocket. It’s dangerous (or even illegal) to drive with a cracked or damaged windshield. It also puts you and your passengers at significant risk.

Final Word – Progressive Windshield Coverage

Progressive covers windshield repairs and replacements for customers with comprehensive coverage.

If you have comprehensive coverage with Progressive, then you should be able to make a claim to repair or replace your windshield. If the technician can repair your windshield, then Progressive should cover the full cost of windshield repairs. If you need to replace your windshield, then you may need to pay a deductible, while Progressive covers the rest.

Contact Progressive to initiate your windshield replacement claim.

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