Arizona Windshield Replacement Law

Comprehensive coverage in Arizona must provide zero-deductible replacements for headlights and windshields according to state law.
Written by Claire Beaney
Edited by R.E. Fulton
law says that car insurance companies must offer drivers with
comprehensive coverage
the option of zero deductible glass coverage.
  • Insurance providers in Arizona
    are required by law to provide policyholders that have comprehensive coverage with the option of zero deductible glass coverage.
  • If you cannot submit a comprehensive claim, your Arizona insurance coverage may require you to pay for some or all replacement costs of your auto glass claim.
  • A complete windshield replacement in Arizona typically costs between $150 and $500, while chip or crack repair costs between $50 and $200.

Arizona law requires zero deductible glass coverage

Arizona law requires auto insurance companies to provide drivers that have comprehensive coverage the option of zero deductible windshield coverage.
Arizona law also dictates that filing a
“no-fault” claim
for a cracked windshield replacement cannot cause your rates to increase.
If you only have the
Arizona minimum car insurance
for liability, you may be out of luck. If you can prove another driver caused your damaged windshield, you may be able to file a claim with their liability insurance—however, this does not guarantee a free windshield replacement.

Who pays for windshield replacement in Arizona?

If your comprehensive insurance covers windshield glass replacement, your insurance company is required by state law to provide zero deductible coverage. If you have this coverage and your damage is covered by a comprehensive claim, your insurer will pay for the entire windshield replacement cost.
Unfortunately, if you’re not able to
submit a windshield replacement claim
under your comprehensive coverage, you’ll likely hold some responsibility for the costs. 
If the damage is covered by your collision insurance, you’ll only have to pay a deductible. But if all you have is basic minimum liability coverage, you’ll likely have to pay the full cost out of pocket.
If you do have to pay for any windshield replacement services yourself, including repairs or replacements that fall under the warranty, the cost to replace it without insurance coverage will vary:
  • Complete windshield replacement: $150-$500
  • Chip or crack repair: $50-$200
Prices will also differ depending on whether you use aftermarket or original equipment manufacturer (OEM) components, which are more difficult to find.

Auto insurance coverage for windshield repair isn’t required in Arizona 

If you want your windshield repaired under the free windshield replacement law, you’ll need to have purchased comprehensive coverage as part of your auto insurance policy—but this coverage is not required in the state of Arizona. The only requirements in the state are:
You may be able to file a claim through another driver’s insurance if they are at fault, but there’s no guarantee without additional windshield insurance coverage of your own.

Broken windshields that block the driver's view must be replaced

The law in Arizona is that any windshield with a crack that impedes the driver’s line of sight while driving must be replaced. Otherwise, you might be able to get away with a simple repair job, rather than having to replace the whole thing.
But there are also federal laws surrounding whether or not a windshield is “adequate” for driving. Here are the federal regulations determining the types of inadequate windshields:
  • A windshield with damage or discoloration in the middle
  • Windshields with damage spots larger than three-quarters of an inch
  • Windshields with cracks that connect or intersect
However, because the state law is unclear in some areas, police officers are granted a significant amount of power of discretion to decide whether or not your windshield is inadequate.
If you're unsure if windshield damage makes it unsafe to drive, take your car to an auto glass replacement/repair shop or your trusted mechanic. You should always aim to get a free quote and inspection from your mechanic before repairing it.
Pro tip: You can temporarily
fix a cracked windshield with a few common household items
, including super glue and packing tape.

Comprehensive coverage in Arizona is worth the cost

Arizona offers zero-deductible windshield replacement coverage, so you only need comprehensive insurance to file windshield repair or replacement claims. Should the comprehensive claim be approved, your insurance company cannot raise your insurance rates or charge a deductible.
Though it is not legally required in Arizona, it is always a good idea to invest in both comprehensive and
collision coverage
—also known as
full coverage insurance
—to safeguard you and your car from serious damages and financial losses. 
Having access to full glass replacement services and auto glass repair is just one of the many perks of comprehensive coverage.
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