{"id":29661,"date":"2020-07-30T15:25:33","date_gmt":"2020-07-30T19:25:33","guid":{"rendered":"https:\/\/info.glass.com\/?p=29661"},"modified":"2026-05-06T13:22:01","modified_gmt":"2026-05-06T17:22:01","slug":"zero-deductible-windshield-replacement","status":"publish","type":"post","link":"https:\/\/www.glass.com\/info\/zero-deductible-windshield-replacement\/","title":{"rendered":"Zero Deductible Windshield Replacement"},"content":{"rendered":"

A free windshield replacement? That\u2019s right, you might qualify. It pays to find out whether or not you are eligible for a zero deductible windshield replacement. After all, it could save you hundreds of dollars or even more. So what exactly is a zero deductible windshield<\/a> replacement? And what criteria do you have to meet? We\u2019ll explore these topics, and more, in this article.<\/p>\n

Keep in mind that this is meant as a general guide. Each state\u2019s insurance regulations and each insurer\u2019s policy will each have their own unique guidelines, requirements, and rules. Consult your insurance company to determine what coverage options are available to you based on your policy.<\/p>\n

What\u2019s an Insurance Deductible?<\/h2>\n

A deductible is a term that refers to your insurance policy. It\u2019s the amount of money you pay every time you file an insurance claim. For example, if your insurance agency determines that a repair will cost $1,500 and your deductible is $500, then your insurance policy will deduct<\/em> the $500 deductible<\/em> from the total, and pay $1,000 towards the repair. Deductibles can be set and changed within your insurance policy. They typically range between $0 to $1,000 and will affect the cost of your premium. A lower deductible usually means a higher premium and vice versa.<\/p>\n

Deductibles and Windshield Replacements<\/h2>\n

Why are deductibles a big deal when it comes to windshield replacement? Windshields are among the most commonly damaged structural parts of your vehicle during events other than a collision. On average, windshields need replacing once every eight years. They\u2019re not inexpensive to replace, either. Costs typically start around $200 and can cost as much as $1,200+. The average cost is around $300, which is lower than a lot of people\u2019s $500 insurance deductible. This means that the owner is better off paying out of pocket than filing an insurance claim.<\/p>\n

This is where the zero deductible windshield replacement policy comes into play. Insurance laws vary from state to state. Some states have mandated that insurance companies waive deductibles for windshield replacements<\/a>. If you live in one of these states, that means that you might not pay anything out-of-pocket to have your windshield replaced. For example, in a zero deductible state, if your insurance deductible is $500 and you file a claim for a windshield replacement that will only cost $300, you might not have to pay anything. Even if your deductible was $500 and your windshield replacement cost<\/a> $1,000, you still might not have to pay anything.<\/p>\n

What States Have Zero Deductible Windshield Replacement Policies?<\/h2>\n

There are only a small handful of states that offer zero deductible windshield replacement. Each has its own caveats too. They are:<\/p>\n