Does Progressive Cover Windshield Replacement?

Last Updated on October 7, 2026

By James Shaffer Reviewed by Thomas Rockford, insurance industry executive and financial analyst, on October 4, 2026 How we fact-check

Yes—Progressive generally covers windshield repair or replacement when you carry comprehensive coverage on your Progressive car insurance policy. If the damage happened in a crash, your windshield may be handled under collision coverage instead.

Whether you pay out of pocket usually comes down to your deductible and whether the glass can be repaired. Progressive says that with comprehensive coverage you pay no deductible when the windshield can be repaired instead of replaced, in all 50 states, as long as the policy’s coverage requirements are met. A full replacement usually applies your deductible—see how deductibles work for windshield replacement.

Below is how Progressive windshield claims commonly work, what coverage applies, and what to check before you file.

Quick tip: Many newer vehicles need camera/sensor recalibration after a windshield replacement. AAA puts the cost of transferring and calibrating a windshield-mounted camera onto new glass at $360. When scheduling service, ask the glass shop whether recalibration is required and whether it will be included on the claim estimate.

Comprehensive Is the Key for Most Glass Damage: Progressive typically covers windshield damage under comprehensive coverage when the cause is non-collision (like debris or weather).
Collision Applies After a Crash: If the windshield is damaged in an accident, the claim may run through collision coverage—especially for at-fault crashes.
Deductibles Depend on Repairs, Replacements, and State Rules: Progressive charges no deductible when the windshield can be repaired instead of replaced, in all 50 states. Replacements more often trigger a deductible unless your state waives it or you carry a glass endorsement. Florida, Kentucky and South Carolina bar the deductible on a covered windshield claim.
Verify ADAS Recalibration Before Scheduling: Many vehicles need camera/sensor recalibration after replacement, so confirm the process and billing before approving the work.

Table Of Contents

Does Progressive Cover Windshield Replacement?
Which Coverage Applies to Windshield Damage?
When Do You Pay Your Deductible?
Should You Repair or Replace Your Windshield?
Final Word on Progressive Windshield Coverage
FAQs About Progressive Windshield Replacement
Sources

Does Progressive Cover Windshield Replacement?

Progressive typically covers windshield damage when you have comprehensive coverage (for non-collision events like road debris, weather, or vandalism). If the windshield was damaged as part of a crash, the claim is more likely to run through collision coverage.

If you only carry liability insurance, your policy generally won’t pay to fix your own windshield. Liability coverage is designed to pay for damage you cause to others, not damage to your vehicle.

For a broader overview of how auto policies handle glass claims, see whether car insurance replaces a windshield.

How to Start a Windshield Claim With Progressive

Confirm your coverage: Check your declarations page to verify you have comprehensive and/or collision, and note your deductible amount.
Document the damage: Take clear photos of the chip/crack and a wider photo showing the whole windshield (and any related damage).
File the claim: Report it in your Progressive account, in the app, or by phone at 1-800-776-4737. Progressive says the claim should be filed before any repairs take place.
Schedule service: Choose a glass shop and a time. Progressive guarantees repairs done at a network shop for as long as you own or lease the vehicle, and it says you can use any shop you’d like.
Ask about recalibration: If your vehicle has driver-assist cameras/sensors, confirm whether recalibration is required after replacement.

Which Coverage Applies to Windshield Damage?

Windshield claims are typically handled under comprehensive coverage (non-collision) or collision coverage (crash-related). The right coverage depends on what caused the damage—not just the part that needs repairs.

What Caused the Windshield Damage?	Coverage That Usually Applies	Who Pays (In Practice)	What to Expect
Rock/debris impact, falling object, weather damage, vandalism	Comprehensive	You file with Progressive (first-party claim)	Repair carries no deductible in all 50 states when the glass can be repaired instead of replaced; replacement usually applies your comprehensive deductible unless waived.
Crash you caused (at-fault accident) damages the windshield	Collision	You file with Progressive (first-party claim)	You typically pay your collision deductible, and the policy pays the remainder of covered repairs.
Crash caused by another driver damages the windshield	Other driver’s property damage liability or your collision coverage	You can file with the at-fault driver’s insurer, or file with Progressive and let them pursue reimbursement	Filing with the at-fault driver can help you avoid paying your deductible up front (timelines vary).

Will a Windshield Claim Raise Your Premium?

It depends on the type of claim and your state. Comprehensive glass claims often have less pricing impact than at-fault collision claims, but insurers can still consider claim history when rating a policy. Collision claims—especially at-fault—are more likely to affect pricing, which is why it helps to understand how rates can change after a collision claim.

If you’re deciding whether to file for glass damage, this guide on rate increases after a windshield claim explains the most common factors insurers consider.

When Do You Pay Your Deductible?

Deductibles are not “one-size-fits-all.” The amount you pay depends on (1) whether the windshield is repaired or replaced, (2) whether the claim is comprehensive or collision, and (3) whether your state or policy includes special glass rules.

Situation	Do You Usually Pay a Deductible?	Why
Repairable chip/crack	Often no	Progressive waives the deductible when the windshield can be repaired instead of replaced, in all 50 states.
Full windshield replacement	Often yes	Replacement is higher cost and commonly triggers your comprehensive or collision deductible unless waived.
Zero-deductible windshield states	No (for covered windshield claims with comprehensive)	Florida, Kentucky and South Carolina bar insurers from applying a deductible to a covered windshield claim. Florida’s law covers the windshield only. Kentucky and South Carolina cover other safety glass too. Arizona, Connecticut and Minnesota instead require insurers to offer a no-deductible glass option. See free windshield replacement rules by state.
Optional “full glass” or $0 glass deductible add-on	No (if the endorsement applies)	Progressive says it offers a $0 deductible option for glass-only replacement claims in some states, and that choosing it raises your rate—learn how full glass coverage works.
Another driver is at fault	Sometimes you can avoid it	You may be able to file through the at-fault driver’s insurer instead of your own policy. More options are explained in how to avoid paying a deductible.
Progressive’s Deductible Savings Bank	Less of it over time	Progressive credits $50 toward your collision and comprehensive deductibles for every policy period with no claim and no driving violation.

Bottom line: if your deductible is higher than the repair or replacement cost, paying out of pocket may make more sense. If the deductible is waived (by state law, a glass endorsement, or a repair waiver), filing a claim is often the simplest route.

Should You Repair or Replace Your Windshield?

In most cases, the glass technician makes the final call based on safety standards and whether the damage can be structurally restored. The goal is visibility and integrity—not just cosmetics.

Repair Is More Likely When…	Replacement Is More Likely When…
The damage is a small chip or short crack and hasn’t spread. Progressive repairs a crack with no deductible as long as it is repairable and less than 6 inches long.	The crack is long, spreading, or has multiple branches.
The damage is away from the edge and not in the driver’s critical line of sight.	The damage is near the edge, in the driver’s view, or compromises structural integrity.
The impact didn’t penetrate deeply through multiple layers.	The damage is deep, contaminated, or affects how the windshield supports airbags and roof strength.
The vehicle’s cameras/sensors can remain properly aligned (or repair won’t interfere).	Replacement is required and the vehicle needs camera/sensor recalibration afterward.

If the damage is growing, don’t wait. Small chips can spread with temperature changes and road vibration, turning an easy repair into a full replacement.

Final Word on Progressive Windshield Coverage

Progressive generally covers windshield repairs and replacements when you carry comprehensive coverage (and may use collision coverage when glass damage is crash-related). Whether you pay a deductible depends on your policy, your state, and whether the windshield can be repaired instead of replaced.

Before filing, confirm your deductible, ask whether repair is an option, and verify whether camera/sensor recalibration is required. Then file the claim and schedule service with a licensed glass shop.

My advice is to ask the glass shop whether the chip can be repaired before you do anything else. If it can be repaired, Progressive pays with no deductible, so filing costs you nothing.

FAQs About Progressive Windshield Replacement

Does Progressive Cover Windshield Replacement?

Usually, yes—if you have comprehensive coverage and the loss is covered. If the windshield was damaged in a crash, the claim may be handled under collision coverage instead.

Is Windshield Damage Comprehensive or Collision?

It depends on what caused the damage. Non-collision losses (like debris, weather, or vandalism) typically fall under comprehensive. Crash-related damage is more likely to be handled under collision.

Do I Have to Pay a Deductible for Windshield Repair?

Usually not. Progressive says you pay no deductible when the windshield can be repaired instead of replaced, in all 50 states, if the policy’s coverage requirements are met. Windshield replacement is more likely to apply your deductible unless your state waives it or your policy includes a glass endorsement.

Which States Have a $0 Deductible Rule for Windshield Replacement?

Florida, Kentucky and South Carolina. Florida’s law applies to the windshield only, while Kentucky and South Carolina cover other safety glass too. Arizona, Connecticut and Minnesota require insurers to offer a no-deductible glass option rather than waiving the deductible outright. Laws change, so confirm the current rule for your state before scheduling replacement.

Will a Windshield Claim Increase My Premium?

It can, but it depends on your state, your claim history, and whether the loss is handled as comprehensive or collision. Comprehensive glass claims often have less pricing impact than at-fault collision claims, but claim history can still be considered in underwriting.

Can I Choose My Own Windshield Repair Shop?

Yes. Progressive says you can use any shop you’d like. It guarantees repairs done at a network shop for as long as you own or lease the vehicle, so if you go outside the network, ask whether that shop guarantees its own work.

Is ADAS Camera/Sensor Recalibration Covered After Windshield Replacement?

Often, recalibration is considered part of a proper windshield replacement on vehicles with driver-assist systems. Coverage and billing can vary, so ask the glass shop and insurer whether recalibration is required and included in the estimate.

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Checked October 4, 2026