Will Progressive auto insurance pay for windshield replacement?
When it comes to Progressive windshield replacement, coverage depends on what kind of insurance you have and where you live. For drivers with collision and comprehensive coverages, Progressive will repair your windshield at no cost. If your windshield needs to be replaced, you will have to only pay your deductible. Drivers in Florida, Kentucky, and South Carolina don’t have to pay for windshield repairs or replacement at all.
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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
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UPDATED: Feb 23, 2024
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Feb 23, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- 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.
Read more:
- Does Auto Insurance cover damage from hitting a deer?
- Will auto insurance pay for windshield repairs?
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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.
Read more:
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.
| Company | Average Annual Rates for Low Coverage | Average Annual Rates for Medium Coverage | Average 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 |
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.
Case Studies: Progressive Windshield Replacement and Repair Coverage in Action
Case Study 1: John’s Windshield Repair
John, a Progressive auto insurance policyholder with comprehensive coverage, experienced a small chip in his windshield due to a flying rock. He filed a claim with Progressive, and they arranged for a repair service. The repair was done at no cost to John, as it fell within the repairable limit set by his state’s regulations.
Case Study 2: Sarah’s Windshield Replacement
Sarah, another Progressive policyholder, had more severe windshield damage caused by a fallen tree limb during a storm. Since the damage exceeded the repairable limit, a windshield replacement was necessary.
Sarah contacted Progressive, filed a claim, and paid her comprehensive deductible as required. Progressive facilitated the replacement by connecting her with a service provider, and Sarah’s windshield was replaced promptly.
Case Study 3: Mark’s Zero-Deductible Coverage
Mark resides in Connecticut, one of the states where Progressive offers a $0 glass deductible policy. He noticed a crack in his windshield and contacted Progressive to file a claim. As per the state’s regulations, Mark didn’t have to pay any deductible for the repair or replacement. Progressive arranged for the necessary service, and Mark’s windshield was repaired at no cost.
Case Study 4: Lisa’s Coverage in Florida
Lisa, a Florida resident insured with Progressive, discovered a significant crack in her windshield. In Florida, auto insurance companies, including Progressive, are prohibited from charging deductibles for windshield repairs or replacements. Lisa promptly filed a claim with Progressive, and they facilitated the repair process without any out-of-pocket expenses for her.
Case Study 5: Mike’s Coverage in Kentucky
Mike, residing in Kentucky, benefited from the state’s no-deductible policy for glass repairs. He had multiple chips in his windshield and reached out to Progressive for assistance. Since Kentucky extends the no-deductible coverage to all glass repairs, including windshields, Mike didn’t have to pay anything for the repair service provided by Progressive.
Frequently Asked Questions
Does Progressive auto insurance cover windshield replacement?
Yes, Progressive auto insurance typically covers windshield replacement under their comprehensive coverage. This coverage helps pay for damages to your vehicle caused by non-collision events, such as vandalism, theft, weather-related incidents, and cracked or shattered windshields.
Are there any specific requirements for Progressive to cover windshield replacement?
Yes, there are usually some requirements for Progressive to cover windshield replacement. The most common requirement is that the damage should be beyond repair and necessitate a complete replacement. Additionally, the cause of the damage should be covered under your comprehensive insurance policy, and you may need to meet your policy’s deductible before Progressive pays for the replacement.
How do I file a windshield replacement claim with Progressive?
To file a windshield replacement claim with Progressive, you can typically do so through their website, mobile app, or by calling their claims department. Provide them with the necessary details about the damage, such as when and how it occurred, and they will guide you through the process.
Will filing a windshield replacement claim with Progressive affect my insurance rates?
Generally, filing a windshield replacement claim with Progressive should not directly impact your insurance rates. Windshield replacement claims are often classified as “no-fault” claims, meaning they are not considered to be the fault of the policyholder. However, it’s always a good idea to check with Progressive or your insurance agent to understand their specific policies regarding claims and rate adjustments.
Can I choose any windshield repair or replacement service provider?
Progressive often allows policyholders to choose their preferred windshield repair or replacement service provider. They may have a network of approved providers that offer discounted rates, but you may also be able to select a different provider if you prefer. It’s best to check with Progressive regarding their specific guidelines and any applicable coverage limitations.
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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.