Does Progressive auto insurance cover windshield replacement?
Progressive windshield replacement can be covered by either comprehensive or collision auto insurance. The difference between windshield repair and replacement is determined by the size of the damage. Damage larger than six inches results in a front windshield replacement. Windshield repair is typically free while a replacement is typically the cost of your deductible except in states that waive the fee of windshield repair and replacement.
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Written by
D. Gilson, PhD
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Reviewed by
Benji Carr
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UPDATED: Dec 30, 2021
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- Progressive windshield replacement is covered by comprehensive and collision auto insurance
- A front windshield replacement will often result in the cost of your deductible
- Florida, Kentucky, and South Carolina require that the cost of windshield repair and replacement is waived
Progressive like other standard auto insurance companies covers windshield replacement. However, Progressive windshield replacement depends on your coverage and the type of claim that is filed.
Windshield replacement can be covered by comprehensive and collision auto insurance. If the claim is caused by anything other than an accident it will be covered by comprehensive auto insurance. By contrast, if the claim is the result of an accident, it will be handled by collision coverage.
Damage to a windshield that is less than six inches can typically be repaired. Repair is also covered by comprehensive or collision auto insurance. If damage to a windshield is more than six inches, a replacement is required.
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Table of Contents
Progressive Windshield Replacement
Front windshield replacement under Progressive auto insurance, is covered by comprehensive insurance for all claims that are not the result of an accident or collision.
It’s important to file a claim as soon as possible in the event that your windshield breaks or a crack appear. The cost of windshield replacement with auto insurance coverage shouldn’t be too expensive. It’s typically the cost of your deductible for whichever coverage type is being used, comprehensive or collision.
The factors involved in determining the replacement price are:
- Vehicle’s make and model
- Location
- Type of glass used
Your state can also play a part in the cost of your front windshield replacement. If you have comprehensive coverage in certain states like South Carolina, your deductible can be waived bringing your total out-of-pocket cost to $0.
| State | Require companies to waive the deductible for both windshield repair and replacement | Require companies to waive the deductible for all auto glass that you can see out of, not just the windshield | Require insurers to offer customers the option of a $0 glass deductible plan |
|---|---|---|---|
| Alabama | |||
| Alaska | |||
| Arizona | Yes | ||
| Arkansas | |||
| California | |||
| Colorado | |||
| Connecticut | Yes | ||
| District of Columbia | |||
| Delaware | |||
| Florida | Yes | ||
| Georgia | |||
| Hawaii | |||
| Idaho | |||
| Illinois | |||
| Indiana | |||
| Iowa | |||
| Kansas | |||
| Kentucky | Yes | Yes | |
| Louisiana | |||
| Maine | |||
| Maryland | |||
| Massachusetts | Yes | ||
| Michigan | |||
| Minnesota | Yes | ||
| Mississippi | |||
| Missouri | |||
| Montana | |||
| Nebraska | |||
| Nevada | |||
| New Hampshire | |||
| New Jersey | |||
| New Mexico | |||
| New York | Yes | ||
| North Carolina | |||
| North Dakota | |||
| Ohio | |||
| Oklahoma | |||
| Oregon | |||
| Pennsylvania | |||
| Rhode Island | |||
| South Carolina | Yes | Yes | |
| South Dakota | |||
| Tennessee | |||
| Texas | |||
| Utah | |||
| Vermont | |||
| Virginia | |||
| Washington | |||
| West Virginia | |||
| Wisconsin | |||
| Wyoming | |||
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Windshield Repair vs. Replacement
While Progressive windshield replacement and repair are similar, there are distinct differences. The main distinction is that windshield repair is called for when the damage is smaller than six inches and windshield replacement is necessary when it is greater than six inches.
Both windshield repair and replacement can be covered with comprehensive or collision insurance, but windshield repair often won’t result in any out-of-pocket costs.
What are average windshield replacement quotes?
Without auto insurance, windshield replacement for damage longer than six inches can cost at least $200. Other factors like the make and model of the vehicle, the type of glass used, and special features of the glass affect the pricing of replacement. The average out-of-pocket deductible cost with insurance can range from $0 in cost to an average maximum of about $300.
Similar to Progressive, USAA windshield repair and replacement as well as AAA windshield repair and replacement offer free repairs with comprehensive or collision auto insurance and the price of your deductible for replacement.
How to File a Glass Claim with Progressive
With Progressive, the claim process is over in three easy steps.
- Step 1: Submit your claim
- Step 2: Schedule the repair or replacement at your convenience
- Step 3: Your glass is fixed
Claims can be submitted by phone, online, or through the Progressive app. You’ll be asked to input certain information to determine if the glass should be repaired or replaced.
After repair or replacement is determined, you’ll decide on a home visit or a trip to a shop of your choice. Repairs take about thirty minutes to complete while replacements take about an hour.
Type your ZIP code in the free tool below and discover Progressive windshield replacement comprehensive and collision quotes in your area.
