Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Apr 3, 2022

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The Lowdown

  • Progressive offers windshield repairs for free if you have comprehensive coverage
  • If your windshield needs to be replaced, you may have to pay your comprehensive deductible
  • Some states require auto insurance companies to repair or replace windshields at no cost to the driver

It’s not uncommon to get a chip or crack in your windshield. These can be caused by any number of things such as rocks, hail, or hitting a deer. You can get Progressive windshield replacement and repair coverage by adding full coverage auto insurance to your policy.

Depending on which state you live in, you might not have to pay for window repairs or replacement at all. If you do have to pay for a glass replacement or repair, you may have to only pay your deductible.

If you’re concerned about your windshield getting damaged, make sure you have full coverage.

Before you buy auto insurance with Progressive windshield replacement, shop around. Most car insurance companies offer full coverage with glass coverage as well.

Keep reading to learn more about Progressive’s windshield replacement coverage. Enter your ZIP code now to compare free quotes for full coverage auto insurance from companies in your area.

What is the Progressive windshield replacement and repair policy?

Trying to drive with a crack or chip in your windshield is not only annoying, but it isn’t safe, either. Several states have rules about how big a chip or crack can be before it must be repaired.

Progressive will repair or replace your windshield if it’s damaged, but there are some rules.

Progressive will repair your windshield at no cost to you if you have the right coverage. Depending on how your windshield was damaged, you will either need collision or comprehensive coverage.

If your windshield is too damaged to simply repair, it will have to be replaced. When you file a Progressive glass claim, you will have to only pay your deductible.

However, depending on how much it costs to replace your windshield, you may want to pay for damages yourself.

It should also be noted that each state has its own rules about glass replacement and repairs. It’s up to your state as to what your auto insurance company will charge.

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What Progressive auto insurance coverage is needed for windshield replacement or repairs?

If your windshield is damaged, you need to have the right insurance in place to pay for repairs or a replacement. That means you will need full coverage auto insurance.

Most states require you to carry at least a minimum amount of liability coverage, but you usually aren’t required to carry collision and comprehensive coverages. However, you will need them for glass replacement.

If you cause an accident and your windshield is damaged, your collision coverage will pay for it. If you don’t have collision coverage, you will have to pay out of pocket for repairs.

You need to have comprehensive coverage to repair or replace a windshield that was damaged from something other than an accident.

What does comprehensive insurance cover on a car? Comprehensive covers damages that result from fire, theft, vandalism, acts of nature, falling debris, and road debris.

For example, comprehensive will pay for a windshield replacement or repair if it’s damaged from hail, a falling tree limb, a riot, a rock, or even a tornado.

Full coverage is more expensive, but your vehicle is more fully protected by having liability, collision, and comprehensive coverages.

This table shows average annual rates from top companies including Progressive based on the type of coverage you choose.

Average Annual Auto Insurance Rates Based on Coverage Type
CompanyAverage Annual Rates for Low CoverageAverage Annual Rates for Medium CoverageAverage 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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Full coverage from Progressive is about $50 a month more expensive, but your windshield will be covered no matter how it’s damaged.

How do you file a claim for Progressive windshield replacement or repair?

If you need your windshield repaired or replaced, filing a claim with Progressive is very easy.

First, get your claim started either online, through the Progress app, or by calling the Progressive glass claims phone number at 1-800-776-4737.

Next, schedule your service call. While Progressive recommends using Safelite AutoGlass, you can use any repair company you wish. It generally takes about 30 minutes for repairs and an hour for a full replacement.

Finally, pay your deductible if you have to. Depending on where you live and the coverages you have, your claim may be free or you may have to pay a deductible.

Does a windshield claim increase my insurance with Progressive? No, Progressive doesn’t raise your rates if your windshield needs to be repaired or replaced.

What are the state laws about windshield replacement and repairs?

Where you live will also affect your windshield repair or replacement. According to CarWindshields, each state has its own rules for how your windshield can be repaired or replaced.

In Florida, Kentucky, and South Carolina, auto insurance companies can’t charge a deductible for repairing or replacing the windshield.

Also, drivers in Kentucky and South Carolina don’t have to pay a deductible for any glass repairs, not just the windshield.

Other states require auto insurance companies to offer drivers special glass coverage with no deductible. For example, the Progressive $0 glass deductible states include Arizona, Connecticut, Massachusetts, Minnesota, and New York.

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Progressive Windshield Replacement: What You Need to Know

Progressive will pay to have your windshield repaired for free if you have collision and comprehensive coverages. If you need your windshield replaced, you will have to pay your deductible.

Some states require auto insurance companies to repair or replace windshields for free or to offer a $0 deductible glass policy.

The Progressive glass claims process is straightforward, and filing a glass claim won’t raise your Progressive auto insurance rates.

Now that you know about Progressive windshield replacement, shop around for the best rates for full coverage. Enter your ZIP code now to compare free quotes on full coverage from auto insurance companies near you.