Does Farmers Cover Windshield Replacement?

Last Updated on February 21, 2022

Farmers is one of America’s largest and best-known insurance companies. If you have comprehensive coverage with Farmers, then Farmers should cover the cost of windshield repairs or replacements.

Farmers’ insurance offers fast and convenient vehicle glass repairs. The company aims to get you back on the road with a clean, repaired windshield in as little as 30 minutes of starting your claim.

Does Farmers cover windshield replacement? How much will I pay to replace or repair my windshield with Farmers? Keep reading to discover everything you need to know about how Farmers covers windshield replacement.

Table of Contents:

Yes, Farmers Covers Windshield Repairs and Replacements Through Comprehensive Coverage

If you have comprehensive coverage with Farmers, then you should be able to make a claim for windshield repairs and replacements.

Comprehensive coverage is optional in all states. If you have full coverage car insurance with Farmers, then you have comprehensive coverage. If you only have minimum liability insurance, however, then you do not have comprehensive coverage.

Depending on the severity of the damage, it may be in your best interests to repair or replace your windshield. Technicians can repair minor damage, while more severe damage requires you to replace the windshield.

How Farmers Covers Windshield Repairs Versus Windshield Replacements

Claims vary depending on whether you need to repair or replace your windshield.

Repairing Your Windshield

Generally, technicians can repair your windshield if there are three or fewer cracks or chips and no damages larger than six inches.

If technicians can repair your windshield, then you will not pay a deductible with Farmers. Farmers will cover the cost of repairing your windshield.

Replacing Your Windshield

If your windshield has more severe damage, then you may need to replace the windshield. In this situation, you pay your deductible and Farmers covers all remaining costs.

If your windshield has four or more cracks or chips, or if it has any damage larger than six inches, then it may need to be replaced.

Typically, your comprehensive coverage deductible is around $250. You pay the $250 deductible and Farmers covers all remaining costs of replacing your windshield.

Types of Windshield Damage Covered by Farmers

If you have comprehensive coverage with Farmers, then you should be covered against virtually all types of windshield damage.

Some of the types of windshield damage covered by Farmers include:

How Fault Works for Windshield Repairs and Replacements

If your windshield was damaged in a collision, then Farmers takes fault into consideration:

If you were at fault in the collision, then you make a claim through your collision coverage. You pay your collision coverage deductible (which tends to be higher than your comprehensive coverage deductible), and Farmers covers all remaining costs for repairing your vehicle to pre-loss condition. Your insurance rates should rise after making this claim, just like they would rise after an at-fault collision claim.

If the other driver was at fault in the collision, then you make a claim through the other driver’s insurance company. The other driver pays the deductible, and the other insurance company covers the cost of repairing or replacing your windshield to pre-loss condition.

If you live in one of 12 no-fault states, then you always file a claim through your own insurers. You contact Farmers to begin the claim regardless of fault, and Farmers covers the cost of repairing or replacing your windshield.

How to Repair or Replace your Windshield with Farmers

Farmers makes it easy to repair or replace your windshield. In fact, the company makes it a goal to have you back on the road with a clean, repaired windshield within as little as 30 minutes.

To start:

  1. Schedule an appointment online with Farmers’ preferred provider, Safelite Solutions.
  2. Call Farmers if you want to use a different glass shop.

For rental car damage, report the damage to your rental car company and then send the documentation to Farmers.

Alternatively, you can also contact Farmers to receive reimbursement for glass repairs you already made. You need your receipt or invoice. The receipt or invoice must have your name, policy number, phone number, and date of loss.

For more information about filing a glass repair or replacement claim with Farmers, visit Farmers.com here.

Florida, South Carolina, and Kentucky Pay No Windshield Replacement Deductible

If you damaged your windshield or Florida, South Carolina, or Kentucky, then you pay a $0 deductible regardless of whether you need to repair or replace your windshield.

These three states have laws requiring insurers to cover all glass repairs and replacements. In all states, you do not pay a deductible for repairing glass coverage. But in Florida, South Carolina, and Kentucky, you do not pay your deductible for any glass repairs or replacements.

Do You Have Full Glass Coverage?

Some drivers have full glass coverage that allows them to pay a $0 deductible. In exchange for a few extra dollars per month, you pay a $0 deductible for windshield repairs and replacements.

Five states require insurance companies to offer full glass coverage. If you live in Arizona, Connecticut, Massachusetts, Minnesota, or New York, then Farmers is required to offer full glass coverage by law. You can always buy full glass coverage in these states for added peace of mind and protection.

Farmers may offer full glass coverage in other states, but they are not required to offer it. If you have full glass coverage in any state, however, then you pay a $0 deductible for your Farmers glass repair or replacement claim.

Should I Repair or Replace My Windshield?

Depending on the severity of the damage, you may need to repair or replace your windshield. Minor damage can be repaired at no cost to you. More serious damage requires full windshield replacement, which means you need to pay your deductible.

Generally, technicians use the following rules to determine if they can repair or replace your windshield:

  • If your windshield has three or fewer chips or cracks and no damage larger than six inches, then the technician should be able to repair your windshield
  • If your glass has four or more chips or cracks or any damage larger than six inches, then the technician may recommend replacing your windshield

Final Word on Farmers Windshield Replacement

Farmers, like most insurance companies, covers windshield repairs and replacements as long as you have comprehensive coverage.

If the technician can repair your windshield, then Farmers covers the cost of repairing the windshield without charging you a deductible. If the technician needs to replace the windshield, then you pay your comprehensive coverage deductible and Farmers covers the rest.

Contact Farmers today to begin your windshield repair or replacement insurance claim.

James Shaffer
James Shaffer James Shaffer is a writer for InsurancePanda.com and a well-seasoned auto insurance industry veteran. He has a deep knowledge of insurance rules and regulations and is passionate about helping drivers save money on auto insurance. He is responsible for researching and writing about anything auto insurance-related. He holds a bachelor's degree from Bentley University and his work has been quoted by NBC News, CNN, and The Washington Post.
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