Does Liberty Mutual Cover Windshield Replacement?
Last Updated on February 5, 2026
Liberty Mutual typically covers windshield repair or replacement only if you carry comprehensive coverage (or a policy that includes glass coverage). If you have liability-only insurance, windshield damage is usually paid out of pocket.
Your out-of-pocket cost depends on whether the glass can be repaired (often cheaper), your glass/comprehensive deductible, and state law. For a broader overview of what insurers usually cover, see whether car insurance replaces a windshield.
- Comprehensive Coverage Is the Key: Liberty Mutual generally pays for windshield damage only if your policy includes comprehensive (or glass) coverage—liability-only won’t cover your own windshield.
- Repair vs. Replacement Can Change the Deductible: Glass repairs are often treated more favorably than replacements, and some policies may waive a deductible for minor repairs.
- Collision Damage Uses Different Rules: If the windshield damage happened in a crash, collision coverage (and a collision deductible) may apply—unless another driver is at fault and their insurer pays.
- State Law and Endorsements Matter: Some states reduce or eliminate the deductible for glass-only claims, and optional “full glass” endorsements can lower out-of-pocket costs where offered.
- Liberty Mutual Offers Windshield Repair and Replacement With Comprehensive Coverage
- How Liberty Mutual Covers Windshield Repairs and Replacements
- How Fault Works With Liberty Mutual Windshield Repairs and Replacements
- Deductible Rules for Windshield Claims Depend on Your State
- How to Get Windshield Repairs or Replacements With Liberty Mutual
- Final Word on Liberty Mutual’s Windshield Coverage
- FAQs on Liberty Mutual Windshield Replacement
Liberty Mutual Offers Windshield Repair and Replacement With Comprehensive Coverage
Windshield damage caused by things like road debris, vandalism, or weather is commonly handled under comprehensive coverage. Comprehensive is optional coverage that pays for damage that isn’t the result of a collision with another car (or object) while driving.
For example, comprehensive coverage is what applies if your vehicle is stolen or if a falling tree damages your car.
If you have full coverage car insurance, that usually includes both comprehensive and collision—so your policy may cover windshield damage in more than one scenario.
If you only have basic liability insurance, Liberty Mutual generally won’t pay for your windshield because liability coverage is designed to pay for injuries and damage you cause to others, not damage to your own vehicle.
How Liberty Mutual Covers Windshield Repairs and Replacements
Once you confirm you have comprehensive coverage, the next question is whether the glass can be repaired or must be replaced. Many insurers treat these differently because repairs cost much less than replacements.
| Glass Service | When It’s Typically Used | How the Deductible Usually Works | What You Should Expect |
|---|---|---|---|
| Windshield repair | Small chip or short crack that hasn’t spread and doesn’t compromise driver visibility | Some policies may waive the deductible for repairable glass, but it depends on your policy and state | Often faster and less disruptive than replacement; helps prevent the damage from spreading |
| Windshield replacement | Large or spreading cracks, damage near the edge, damage in the driver’s line of sight, or multiple impact points | Usually subject to your comprehensive (or glass) deductible unless a state rule or endorsement makes it $0 | May require calibration of safety cameras/sensors on newer vehicles, which can affect time and cost |
Quick tip: Before scheduling work, check whether your Liberty Mutual policy has a separate glass deductible (which can be different from your comprehensive deductible). The deductible you owe can change depending on whether the glass is repaired or replaced.
How Fault Works With Liberty Mutual Windshield Repairs and Replacements
Fault matters most when windshield damage is tied to a crash with another driver. The coverage that applies (and whether you pay a deductible) depends on how the damage happened and which claim path you choose.
| How the Windshield Was Damaged | Common Claim Route | Deductible Usually Applies? | Notes |
|---|---|---|---|
| Rock/debris, hail, vandalism, animal-related damage | Comprehensive claim | Often yes (unless waived by policy/state rule) | Some comprehensive claims may affect pricing at renewal depending on underwriting rules—see whether comprehensive claims raise your rates. |
| You were at fault in a collision (or you hit an object) | Collision claim | Yes, collision deductible typically applies | Collision claims are more likely to impact rates than glass-only comprehensive claims—see how much rates can rise after a collision claim. |
| Another driver is at fault | File through the other driver’s property damage liability (or file with Liberty Mutual and let them subrogate, if available) | Often no if you go through the at-fault driver’s insurer | The goal is to restore the vehicle to pre-loss condition. |
| Another driver hits you but has no insurance (or can’t be identified) | Collision coverage, or uninsured motorist property damage where available | Usually yes (coverage dependent) | Claim rules vary by state; learn more about whether uninsured motorist claims raise your rates. |
One common misconception: “No-fault” rules mainly affect injury claims (like Personal Injury Protection). Windshield damage is usually treated as property damage, so you may still have options depending on fault and coverages. For more context, see how no-fault rules affect insurance costs.
Deductible Rules for Windshield Claims Depend on Your State
In most states, windshield replacement under comprehensive coverage is subject to the deductible you selected. However, a few states have special rules that reduce (or eliminate) the deductible for glass-only claims. Learn more about free windshield replacement rules and how they work in practice.
| State | What the Rule Generally Does | Important Details |
|---|---|---|
| Florida | For policies with comprehensive coverage, the deductible generally does not apply to windshield damage | Typically applies to the windshield portion of the claim. Reference: Florida Statute § 627.7288. |
| South Carolina | If you have comprehensive coverage, the deductible for glass coverage is generally waived | You must carry comprehensive on that vehicle. Reference: South Carolina Department of Insurance FAQ. |
| Kentucky | For glass-only claims under comprehensive (or other-than-collision coverage), the deductible is generally not applied | The rule is written to apply when the claim is for motor vehicle glass only. Reference: KRS 304.20-060. |
In addition, some insurers offer full glass coverage (or similar endorsements) in certain states. If available, it can reduce your glass deductible to $0 or a lower amount—but it can also increase your premium.
How to Get Windshield Repairs or Replacements With Liberty Mutual
If your windshield is damaged, start by confirming whether the damage appears repairable and whether it’s safe to drive. Then use a claim method that matches the situation (glass-only comprehensive vs. collision vs. third-party claim).
- Review your coverages and deductibles. Look for comprehensive coverage and any separate glass deductible.
- Document the damage. Take clear photos, including close-ups and a wider shot showing the entire windshield.
- Start the claim with Liberty Mutual. Liberty Mutual allows customers to start an auto glass claim online, and may connect you with a glass vendor for scheduling. (Official resource: Liberty Mutual claims support.)
- Choose a repair shop and schedule service. Liberty Mutual commonly works with Safelite, and some shops can help process the claim—see how Safelite insurance coverage typically works.
- Ask about calibration for newer vehicles. If your car has a camera or sensors near the windshield, replacement may require recalibration.
- Confirm what you owe before work begins. Make sure you understand whether the glass is being repaired or replaced and what deductible (if any) applies.
Final Word on Liberty Mutual’s Windshield Coverage
Liberty Mutual generally covers windshield repair and replacement when you carry comprehensive coverage (or a policy with glass coverage). Repairs may be covered with little to no out-of-pocket cost in some cases, while replacements are more likely to trigger a deductible—unless your policy includes a glass deductible option or your state requires a $0 deductible for glass-only claims.
To confirm what applies to your policy and state, review your declarations page or call Liberty Mutual for coverage and deductible details before you schedule service.
