Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Benjamin Carr was a licensed insurance agent in Georgia and has experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. Benji is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Mar 9, 2022

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To Sum It Up

  • Broken windows are covered by auto insurance if you have the right coverage
  • Collision covers broken windows from an accident and comprehensive covers broken windows from other events like vandalism or hail
  • Your state may require auto insurance companies to repair broken windows for free

It’s not uncommon to have a crack in your windshield or a broken car window. But does auto insurance cover broken windows? Unfortunately, a basic policy won’t cover your windows.

However, full coverage insurance, which includes collision and comprehensive, will pay for glass repairs or replacement if you have the correct coverages in place. Keep in mind that some auto insurance companies require drivers to carry a separate glass policy.

If you’re looking for affordable auto insurance for military veterans that covers windows, shop around for the best coverage and lowest rates. Every company charges different rates, so compare multiple companies to find your best deal.

Keep reading to find out if auto insurance covers broken windows and what coverages you need.

Does auto insurance cover broken windows?

Most drivers will be in a situation where a rock flies up and chips your windshield, or a window is broken during an accident. But, when that happens, what do you do?

Does insurance cover broken windows? Auto insurance will cover broken car windows if you have the right coverage. You need to have full coverage auto insurance, which is collision and comprehensive coverages as well as liability, for your broken windows to be covered.

Most states require drivers to have at least a minimum amount of liability coverage to drive legally. However, liability coverage only protects others and offers no coverage for your vehicle. On the other hand, full coverage protects your vehicle as well.

How much is auto insurance that covers broken windows?

Look at this table to get an idea of full-coverage insurance rates. Average annual rates are listed from top companies so that you can compare low or liability-only coverage and high or full coverage.

Average Annual Auto Insurance Rates Based on Coverage Type
CompanyAverage Annual Rate for Low CoverageAverage Annual Rate for Medium CoverageAverage Annual Rate for High Coverage
American Family$3,368.49$3,544.37$3,416.40
Liberty Mutual$5,805.75$6,058.57$6,356.04
State Farm$3,055.40$3,269.80$3,454.80
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While full coverage is more expensive, damages to your vehicle — including broken windows — will be covered. However, some auto insurance companies will only pay for glass damages after you meet your deductible.

On the other hand, some car insurance companies will not charge your deductible if the glass can be repaired instead of replaced.

It’s important to know that every state has its own glass replacement rules. For example, does auto insurance cover window replacement? In addition, does glass coverage cover rear windows?

The state you live in and your auto insurance company determine if you have to carry additional glass coverage and exactly what damages are covered.

According to CarWindshields.info, some states like Kentucky, Florida, and South Carolina require auto insurance companies to repair or replace windshields at no cost if you have comprehensive coverage.

If you don’t live in one of these states, you may have to pay your deductible before your insurance company fixes your broken window. Some companies will repair your glass at no cost but charge your deductible to replace it.

Whether or not filing a broken car window insurance claim will raise your rates will depend on your auto insurance company and your state laws.

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What do collision and comprehensive auto insurance cover?

Full coverage will handle most of the glass damages you may face.

Collision, comprehensive, and liability are part of full coverage insurance. Although collision and comprehensive sound similar, they actually offer very different coverages.

Collision covers damages to your vehicle from an accident. Damages include a broken windshield or broken windows.

Comprehensive, on the other hand, covers damages unrelated to an accident. Coverage includes damages from fire, theft, vandalism, falling debris, and acts of nature like hail, floods, and tornadoes.

Under comprehensive coverage, car window vandalism or storm damage would be covered.

Remember, some auto insurance companies require you to carry additional glass coverage. Be sure to check with your insurer to determine what is required in your state.

How can you save on full coverage auto insurance?

If it’s important that damages to your car windows are covered, you need full-coverage insurance. Because full coverage is more expensive, lowering your rates becomes imperative.

The easiest way to lower your full-coverage car insurance rates is to take advantage of discounts. Most insurance companies offer many discounts based on the driver, policy, and vehicle.

This table shows standard auto insurance discounts from top companies to give you an idea of the savings you can look for. If the amount of the discount is available, it is listed.

Auto Insurance Discounts From Top Companies
Auto Insurance DiscountsAllstate (%)American Family (%)Farmers (%)GEICO (%)Liberty Mutual (%)Nationwide (%)Progressive (%)State Farm (%)Travelers (%)USAA (%)
Adaptive Cruise ControlN/AN/AN/AN/A5xxN/AN/AN/A
Adaptive HeadlightsN/AN/AxN/A5xxN/AN/AN/A
Anti-lock Brakesxxx555x5xx
Claim Freexxx26x10x152312
Continuous CoveragexxxxN/AN/AxN/A15N/A
Daytime Running Lightsxxx155xN/Axx
Defensive Driverxxxx105105103
Distant StudentxxxxN/A10xx7x
Driver's Edxxxx10N/A101583
Driving Device/AppxxN/Ax30402050305
Early SigningxxxxN/A8xN/A1012
Electronic Stability ControlxxxN/A5xxN/AN/AN/A
Emergency DeploymentN/AN/AN/A25N/AN/AN/AN/AN/AN/A
Engaged CoupleN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Family LegacyN/AxN/AxN/AN/AxN/AN/A10
Family PlanN/AxxN/AN/A25N/AN/AN/AN/A
Farm VehiclexN/AxxN/AN/AN/AN/AN/AN/A
Federal EmployeeN/AN/Ax810N/AN/AN/AN/AN/A
Forward Collision WarningN/AN/AN/AN/A5xxN/AN/AN/A
Full PaymentN/Axxx$5N/AxN/A7.5N/A
Further EducationN/AN/AN/Ax1015N/AN/AxN/A
Good CreditxxN/AN/AN/AxxxN/AN/A
Good Studentxxx1522.510x2583
Green VehiclexN/A5N/A10N/AN/AN/A10N/A
Lane Departure WarningN/AN/AN/AN/AxxxN/AN/AN/A
Life InsurancexN/AN/AN/AN/AxN/AN/AN/AN/A
Low Mileagexxxxxxx30xx
Military GaragingN/AN/AN/AN/AN/AN/AN/AN/AN/A15
Multiple DriversN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Multiple Policies1029x102010121713x
Multiple Vehiclesxxx25102010208x
New Customer/New PlanN/AN/AN/AN/AxN/AN/AN/AN/AN/A
New GraduateN/AN/AN/AN/A5N/AN/AN/AN/AN/A
Newer VehiclexN/AxxN/Axx401012
Newly LicensedN/AN/AN/AN/A5N/AN/AN/AN/AN/A
Occasional OperatorN/AN/AN/AN/AN/AN/AN/AN/AN/Ax
On-Time PaymentsxN/AN/AN/AN/AN/AN/AN/A15N/A
Online ShopperN/AN/AN/AN/AN/AN/A7N/AN/AN/A
Paperless DocumentsxxxN/AN/A5$50N/AN/AN/A
Paperless/Auto BillingxxxN/Ax$30x$233
Passive Restraintxxx40x20x40xx
Recent RetireesN/AN/AN/AN/A4N/AN/AN/AN/AN/A
Roadside AssistanceN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Safe DriverN/AN/Ax15N/A3531152312
Seat Belt UseN/AN/AN/A15N/AN/AN/AN/AN/AN/A
Senior DriverxN/AxN/AN/AN/AN/AN/AN/Ax
Stable ResidenceN/AN/AN/AN/AN/AxxN/AN/AN/A
Students & AlumniN/AxN/Ax107N/AN/AN/AN/A
Switching ProviderN/AxxN/A10N/AxN/AN/AN/A
Utility VehiclexN/AxxN/AN/AN/AN/AN/AN/A
Vehicle Recoveryxxx153525x5xx
VIN EtchingN/AN/AxN/A5xxN/Axx
Young DriverN/AN/AN/AN/AxN/AxN/AN/A$75
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Don’t let higher rates discourage you from getting the window coverage you need. Instead, use discounts to make full-coverage insurance more affordable.

Does auto insurance cover broken windows?: The Bottom Line

Auto insurance will cover broken windows if you have full coverage. Collision and comprehensive are necessary to cover window damage from accidents or other issues like vandalism and hail.

Full-coverage auto insurance is more expensive, but coverage includes damages to your vehicle that liability insurance doesn’t cover.

The state that you live in will also determine how window damage is handled. Each state makes its own rules, and some states even require auto insurance companies to repair glass damage at no cost.

Opt for full coverage if you want your car’s glass damage to be included. While rates are higher, you can save money by adding discounts to significantly lower rates.