Does Farmers Cover Windshield Replacement?

Last Updated on February 5, 2026

Farmers generally covers windshield repair and replacement when the damage is covered under your policy—most often through comprehensive coverage. What you pay out of pocket depends on whether the glass can be repaired or must be replaced, your deductible, and any state rules or glass endorsements on your policy.

Windshield chips from road debris are usually handled differently than damage from a crash. And while many drivers assume “glass is always free,” that isn’t true in every state or on every policy—so it’s important to confirm your coverage before scheduling a replacement.

1. Comprehensive Is the Key Coverage: Farmers typically pays for windshield damage under comprehensive coverage, while liability-only policies usually won’t cover glass.
2. Repair vs. Replacement Changes Your Cost: Minor damage may be repairable with little out-of-pocket cost, but replacement often triggers your comprehensive deductible unless waived by state law or a glass endorsement.
3. Collision Damage Is Handled Differently: If the windshield damage is tied to a crash, it may fall under collision coverage or the at-fault driver’s insurance—deductibles and premium impact can be different.
4. Verify Deductibles and Calibration Before Scheduling: Confirm your deductible and ask the glass shop whether your vehicle needs camera/sensor calibration after replacement, then keep all documentation for your claim.

Yes, Farmers Covers Windshield Repairs and Replacements Through Comprehensive Coverage

If you carry comprehensive coverage, windshield damage caused by non-collision events (like rocks kicked up from the road, vandalism, or storms) is typically covered, subject to your policy terms. Drivers with full coverage car insurance usually have comprehensive coverage, while liability-only policies do not.

Coverage also depends on how the damage happened. If the windshield damage is part of a crash, it may fall under collision coverage or the other driver’s property damage liability instead of comprehensive.

How Farmers Covers Windshield Repairs Versus Windshield Replacements

Claims are handled differently depending on whether you need to repair or replace your windshield. Repairs are typically used for minor damage, while replacement is required when the damage affects visibility, structural safety, or the glass can’t be safely restored.

Repairing Your Windshield

A repair is most common when the damage is minor and stable. A qualified glass technician will confirm whether the chip/crack can be repaired safely based on its size, location, and depth. Even when a repair is possible, it’s best to address it quickly—chips can spread with temperature changes, moisture, and everyday driving vibrations.

Whether you pay anything for a repair depends on your policy and state rules. Some policies waive out-of-pocket costs for repairs, while others apply your comprehensive deductible.

Replacing Your Windshield

If the damage compromises safety or visibility—or if a repair wouldn’t hold—replacement is typically required. In many cases, windshield replacement is subject to your comprehensive deductible unless your state requires a deductible waiver or you carry a glass endorsement that changes how deductibles work.

Also, many newer vehicles have cameras and sensors mounted to the windshield for safety features. After a replacement, the vehicle may need calibration before those systems work properly, so it’s smart to ask the glass shop what your vehicle requires.

Types of Windshield Damage Covered by Farmers

If you have comprehensive coverage, windshield damage is usually covered when it’s caused by a covered non-collision event. Common examples include:

• Weather or natural disasters (like hail or wind-blown debris)
• Vandalism
• Theft (including break-ins that damage glass)
• Road debris (like rocks or gravel kicked up by another vehicle)
• Other sudden, accidental, non-collision losses covered by comprehensive

How Fault Works for Windshield Repairs and Replacements

Fault matters most when the windshield damage is connected to a collision. Here’s how it typically works:

• Non-collision damage (rock chip, hail, vandalism): This is typically handled under comprehensive coverage.
• Damage from a crash: This is typically handled under collision coverage (if you have it). If you were at fault, a collision claim can affect premiums similarly to other at-fault losses, like an at-fault collision claim.
• If another driver is at fault: You can often pursue the at-fault driver’s property damage liability coverage so repairs can be made to pre-loss condition. In some situations, it may still be faster to use your own coverage first and let insurers sort out reimbursement through subrogation.

How to Repair or Replace Your Windshield with Farmers

Farmers’ glass-claim process is designed to be straightforward: start the claim, schedule service, and pay any deductible that applies. Farmers commonly works with preferred glass networks for scheduling, but policyholders may also be able to use other repair shops (coverage and billing procedures can vary by state and policy).

Typical steps look like this:

1. Start a glass claim and gather key details (policy number, date of loss, where the damage happened, photos if available).
2. Schedule service through Farmers’ preferred provider network (often connected to Safelite Solutions) or ask how to schedule with a shop you choose.
3. Confirm what you’ll owe (deductible amount, if any) and whether your vehicle needs calibration after replacement.
4. Keep all receipts and documentation if you’ve already paid for repairs and need reimbursement.

If the damage happened in a rental car, report it to the rental company right away and follow their instructions. Then confirm whether your personal auto policy extends comprehensive coverage to the rental and what documentation Farmers needs.

For Farmers-specific glass claim steps and reimbursement instructions, visit Farmers’ auto glass claims page.

Florida, South Carolina, and Kentucky May Not Charge a Windshield Replacement Deductible

In most states, windshield replacement under comprehensive coverage is subject to your deductible. However, certain states require insurers to waive the deductible for windshield (or safety glass) claims when you carry comprehensive coverage. These states are often discussed in “free windshield replacement” guides because the deductible is not applied to a covered glass-only loss.

Even in these states, you must still have comprehensive coverage for the deductible waiver to apply. Liability-only policies won’t cover windshield damage.

Do You Have Full Glass Coverage?

Some drivers add full glass coverage (or a glass deductible endorsement) to reduce or eliminate out-of-pocket costs for replacement. The name, availability, and deductible terms vary by insurer and state, so the best way to confirm is to check your declarations page or ask your agent what endorsements are available.

Farmers may offer a glass-specific option in some areas. For example, Farmers has described an optional “Glass Deductible Buyback” that can reduce the glass deductible (availability and terms can vary by policy and location), so it’s worth asking what glass endorsements exist for your state and vehicle (Farmers: shattered windshield coverage overview).

Should I Repair or Replace My Windshield?

Repair is usually the preferred option when it’s safe, because it’s faster and helps preserve the factory seal. Replacement is typically recommended when the damage affects visibility, is spreading, is near the edge, or compromises the glass structure.

A glass shop can confirm whether repair is appropriate, but these general guidelines often apply:

• Repair is more likely when damage is small, stable, and outside critical viewing areas.
• Replacement is more likely when cracks are long, branching, in the driver’s line of sight, near the edge, or when the inner layer is damaged.
• Vehicles with safety cameras/sensors may need recalibration after replacement—confirm this before you schedule.

Final Word on Farmers Windshield Replacement

Farmers typically covers windshield repair and replacement when you have comprehensive coverage and the loss is covered. Repairs and replacements are handled differently, and replacement is more likely to trigger a deductible unless your state waives it or you carry a glass endorsement that changes your out-of-pocket cost.

Before filing, confirm whether the damage is a comprehensive loss or part of a collision claim, verify your deductible, and ask the glass shop whether your vehicle needs calibration after replacement. Then start the claim and schedule service through Farmers’ glass-claim process.

FAQs on Farmers Windshield Replacement