Full glass coverage helps to pay for a damaged vehicle glass without the need to meet your deductible first. Policies with full glass coverage start at $139/month.

Written by Liz Jenson

Edited by Kianna Walpole

Updated on May 6, 2024

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What is full glass coverage and how does it work?
Your insurance may not cover glass damage without additional coverage
The best insurance companies with full glass coverage
Most drivers can benefit from full glass coverage
Other insurance options that cover glass repairs
FAQ
Meet our experts

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When you experience damage to your windshield, windows, and other vehicle glass in your car, full glass

car insurance

coverage protects you from out-of-pocket repair costs.

What is full glass coverage and how does it work?

Full glass coverage (or just “full glass”) is an optional type of coverage that you can add to your existing

car insurance

policy.

It is often deductible-free for claims where only the glass is damaged. However, in most cases, insurance providers will require you to purchase

comprehensive coverage

and/or

collision coverage

before you can add full glass coverage to your policy, which will kick in first after an accident.

If you’re looking to add full glass coverage to your policy, take a look at how much it could cost with different providers:

Insurance company	Cost to add to policy
Madison Mutual	$118
Progressive	$121
National General	$130
Aspire Insurance	$132
Kemper	$153
Safeco	$156
Mercury Auto	$177
AAA	$192
Bristol West	$210

If you already have full glass coverage on your vehicle, you can file a car insurance claim to get applicable glass damages covered. Just like with other types of insurance, if your glass claim is approved, your car insurance coverage will pay to repair or replace the damaged glass on your vehicle up to the vehicle’s cash value.

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What’s covered by full glass coverage?

Full glass coverage will pay for auto glass replacement or repair. That includes:

Windows

Windshields

Exterior mirrors

Sunroofs

You won’t have to pay your deductible when using full glass coverage to get your auto glass repaired or replaced.

This type of insurance won’t cover any types of damages to your vehicle that aren’t strictly glass repair. While a damaged backup camera might technically include some vehicle glass repairs, for example, it won’t be included in full glass coverage.

Your insurance may not cover glass damage without additional coverage

State laws and your level of insurance coverage can impact whether or not your insurance will pay for glass damage. For example, your car insurance won’t cover glass damages if you have

liability-only insurance

—but comprehensive and collision coverage will.

With both collision and comprehensive coverage, however, you’ll need to pay your deductible out-of-pocket before your insurance kicks in. Depending on the severity of the damages, this could mean that you pay most or all of the repair costs yourself.

However, some states have laws in place requiring insurance companies to charge zero deductible for auto glass repairs. These states are:

and

are often thought to be part of this list. Drivers in these states may choose to either have a low or $0 deductible for their comprehensive vehicle coverage, and insurance providers are allowed (but not required) to offer a $0 deductible for glass insurance as part of your comprehensive insurance policy.

Connecticut 89

used to make the list, but recent changes to state law made it possible for insurance companies to require clients without full glass coverage to pay their deductibles before glass coverage kicks in.

Learn more:

What repairs does car insurance cover?

The best insurance companies with full glass coverage

On average, a policy with full glass coverage costs approximately $178 per month, or $2,130 per year, although actual insurance rates will vary from one provider to the next.

Keep in mind that full glass coverage isn’t available across all providers. Some big-name insurance companies like

GEICO

don’t provide full glass coverage, but some states legally require insurers to include glass coverage deductible waivers in comprehensive and full coverage policies.

Here are some of the top providers in the nation who offer full glass coverage and their average rates:

Insurance company	Monthly coverage cost	Annual coverage cost
Madison Mutual	$139	$1,664
Clearcover	$158	$1,895
Progressive	$168	$2,011
Nationwide	$185	$2,225
Gainsco	$188	$2,253
National General	$197	$2,368
Kemper	$201	$2,416
Allstate	$226	$2,712

While adding full glass coverage to your policy may increase your overall monthly premium, you can find lower than average rates by using the

Jerry

app. With Jerry, drivers can create an account and gather customized quotes from dozens of providers in their area, all tailored to their unique driver profile and needs.

Don’t overpay for full glass coverage!

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Most drivers can benefit from full glass coverage

Full glass coverage could be worth it to drivers who want to be certain that their auto insurance will cover glass repair and replacement, especially if they have a high comprehensive insurance deductible.

To find out if full glass coverage is worth it for you, you’ll need to compare the costs versus the benefits. When adding the average repair and replacement costs together, full glass coverage can save you up to $1,500 in windshield replacement fees.

But that’s not the only benefit—full glass coverage also prevents you from driving around with a chipped or cracked windshield, since carrying this type of insurance makes window and windshield repairs so simple.

Other insurance options that cover glass repairs

Full glass coverage is one of the most robust coverages available for windshield and window protection—but it’s not the only option available. If you’re looking for added protection, but aren’t entirely sold on full glass coverage, consider one of the following options instead:

Comprehensive insurance: This type of coverage may pay for your auto glass repair or replacement if your windshield is damaged by a non-collision incident, such as a natural disaster or vandalism.

Collision coverage: Similar to comprehensive insurance, collision coverage may cover windshield damage from a solo or multiple vehicle accident.

Uninsured/underinsured motorist property damage

: This coverage option will pay for damages caused by an uninsured/underinsured motorist—including cracked and damaged windows and windshields.

Learn more:

The six types of car insurance, and what they cover

FAQ

What is full safety glass coverage?

Full safety glass coverage, otherwise known as full glass coverage, is an insurance add-on designed to protect any glass in your vehicle with no deductible. Most notably, it covers your windows and windshields, which can be expensive to repair or replace out-of-pocket.

What does comprehensive with full glass coverage mean?

If your auto insurance policy is comprehensive with full glass coverage, that means that you have comprehensive car insurance with a deductible and auto glass insurance without a deductible.

Full glass coverage is an insurance add-on that protects your vehicle’s glass features with no deductible, while

comprehensive insurance

covers damages to your vehicle after damages caused by something other than a collision, such as vandalism or a tree limb falling on your car. With full glass coverage, you can replace a damaged windshield without paying your comprehensive insurance deductible.

Does car insurance cover windshield replacement?

Some types of car insurance will cover windshield damage, including

comprehensive

and

collision insurance coverage

. However, you’ll need to pay your deductible before either of these

types of insurance

can start to help. Full glass coverage offers a deductible-free option to cover full windshield replacement or repair, among other types of glass repair.

Meet our experts

Liz Jenson

Liz Jenson is an insurance writer who specializes in general automotive and insurance topics. Liz’s mission is to produce informative and useful content to help car owners make smart choices when buying cars and car insurance. Since joining Jerry in 2021, Liz has written nearly 4,000 long- and short-form articles on topics including state-specific insurance recommendations, common car insurance questions, and deep dives into vehicle model details.

Before they came to Jerry, Liz was a full-time student at Indiana University, Bloomington working on a double major in English and French.

Kianna Walpole

Expert Insurance Writer & Editor

Kianna Walpole is an insurance writer and editor with a comprehensive background in consumer behavior and online publishing. With experience in car insurance, maintenance, and repair, she is dedicated to building informative content that helps customers reduce costs while achieving the best service. Prior to joining the Jerry editorial team, Kianna worked as a junior editor in the content marketing industry, using consumer data and key insights to create and edit content for an array of large-scale clients in the real estate, cybersecurity, and healthcare industries.

SOURCES

https://www.abc15.com/news/let-joe-know/insurer-wont-pay-for-a-new-windshield-state-law-requires-they-offer-that-option

https://rtrlaw.com/personal-injury/can-i-still-get-a-free-windshield-replacement-in-florida/#:~:text=Even%20though%20insurance%20coverage%20generally,the%20owner%20has%20comprehensive%20coverage.

http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0600-0699/0627/Sections/0627.7288.html

https://centralkyautoglass.com/auto-glass-faq-lexington/#:~:text=According%20to%20the%20Kentucky%20state,without%20regard%20to%20any%20deductible.%E2%80%9D

https://www.doi.sc.gov/FAQ.aspx?QID=320

https://www.mass.gov/doc/understanding-whether-your-auto-coverage-pays-for-damage-to-your-windshield/download

https://www.dfs.ny.gov/insurance/ogco2010/rg100608.htm

https://portal.ct.gov/cid/consumer-resource-library/auto-insurance

https://barthinsurance.com/say-goodbye-to-full-glass-coverage-in-connecticut/