Does State Farm Cover Windshield Replacement?

Last Updated on August 28, 2022

If your windshield is damaged, then you may want to make an insurance claim. If you have comprehensive coverage with State Farm, then State Farm should cover windshield replacement.

State Farm will pay for windshield replacement and repair services if you have comprehensive coverage. You pay a deductible, and State Farm covers all remaining costs (although some states prevent insurers from charging a deductible for windshield repairs).

Should you make a State Farm insurance claim for windshield replacement? How does windshield replacement work with State Farm? Keep reading to discover everything you need to know about how State Farm covers windshield replacement.

Table of Contents:

State Farm’s Comprehensive Coverage Covers Windshield Replacement

If you have comprehensive coverage with State Farm, then you should have windshield replacement on your insurance policy.

Comprehensive coverage is optional in all states. It covers damage to your vehicle that occurs outside of accidents. It covers collisions with animals, rock damage to your windshield, theft, vandalism, and other damages, for example.

Drivers with full coverage car insurance (which includes comprehensive coverage) can make a claim through State Farm for windshield replacement.

How to Make a Windshield Claim

State Farm makes it easy to make a windshield replacement claim. Follow the instructions on StateFarm.com to make a claim.

You can use State Farm’s LYNX Services to book an appointment for windshield and glass repairs. LYNX Services is a third-party glass program administrator for State Farm that handles all windshield replacement and repair claims.

To report a glass claim:

  • File a claim online, contact your agent, or call LYNX Services at 888-624-4410
  • Check your policy to verify you are covered for windshield replacements and repairs
  • Massachusetts policyholders should call 800-526-8210 for windshield repairs and replacements
  • Canadian policyholders should call their State Farm agent for windshield repairs and replacements

You can also get repairs done by a third-party, such as Safelite, and seek reimbursement from State Farm later.

If you are unsure of how to proceed, you can simply call State Farm’s customer service phone number at 1-800-782-8332 to speak with a State Farm agent who will answer your questions.

How State Farm Covers Windshield Replacement

State Farm covers both windshield repairs and replacements. If your windshield was damaged in a covered event, then State Farm should cover the cost of repairing or replacing your windshield.

In some states, you pay your deductible for windshield claims, and State Farm covers all remaining costs. However, some states forbid insurers from charging a deductible on windshield claims.

Which Types of Windshield Damage Can Be Repaired?

Some windshield damage like small chips and cracks can be repaired. Other windshield damage requires the replacement of your windshield.

Typically, State Farm will cover the following types of windshield repairs: 

  • Small breaks in the non-acute area (not the area in front of the driver)
  • Small breaks like bullseye, star, half-moon, and combination breaks

For other types of damage, you may need to replace your windshield (not repair it). As long as you have comprehensive coverage, State Farm should cover the cost of replacing your windshield.

How Windshield Replacement Works with State Farm

A repair shop can replace or repair your windshield in 20 to 30 minutes. According to State Farm, repairs can typically be completed within 48 hours of filing a claim.

Here’s how a typical windshield replacement claim works:

  • You file a claim with State Farm by calling, contacting your agent, or filing a claim online.
  • You choose the vendor you prefer from State Farm’s network of repairers who met the company’s quality standards
  • You can also schedule a mobile service technician for your home, office, or any location
  • Wait 20 to 30 minutes for repairs to be completed; most drivers simply wait for repairs

Is Windshield Chip or Crack Repair Covered by Insurance?

Windshield chip repairs may be covered by your State Farm insurance policy. In many cases, however, it’s not worth it to make a claim: the cost of your deductible exceeds the cost of repairing the crack yourself.

If your windshield has a small chip, then you can repair it yourself with a repair kit. A good repair kit can prevent the chip from growing larger.

Alternatively, you can take your car to any repair shop for chip repairs. They should be able to repair chips cheaply, quickly, and easily.

Do I Need to Pay My Deductible for Windshield Repairs?

Some states prevent insurers from charging a deductible for windshield repairs and replacements.

In Florida, Kentucky, and South Carolina, for example, insurers cannot charge a deductible for windshield repairs or replacements.

Similarly, insurance companies must offer “full glass coverage” policies with $0 deductible options in some states. If you live in Arizona, Connecticut, Massachusetts, Minnesota, and New York, then State Farm offers a $0 deductible glass repair option.

In all other states, you will need to pay your deductible for windshield repairs and replacements unless you purchased a $0 deductible glass coverage option.

If you’re unsure whether it’s worth it to make a claim, contact State Farm or call your insurance agent. Your State Farm agent can explain the cost of your deductible, the estimated cost of windshield repairs, and other coverage options for your policy, then decide if it’s worth it to make a claim.

Does My State Farm Policy Cover Windshield Damage?

Your State Farm policy covers windshield damage if you have comprehensive coverage. Comprehensive coverage is optional in all states, although many drivers carry comprehensive coverage for added protection against environmental damage, theft, and vandalism.

Comprehensive coverage is one of three main parts of full coverage car insurance:

Liability Insurance (Required): Nearly all states require some type of liability insurance, including bodily injury and property damage liability coverage. These coverages protect other people from your actions when driving. They cover medical bills, property repairs, and other costs. They do not cover your own vehicle.

Collision Coverage (Optional): Optional in all states, collision coverage covers the cost of repairing your own vehicle after a collision. If you collide with someone else and are at fault, for example, then you can make a claim through your State Farm collision coverage to repair your vehicle to pre-accident condition (or replace your vehicle entirely in a total loss claim).

Comprehensive Coverage (Optional): Optional in all states, comprehensive coverage covers damages that occur outside of accidents, including theft, vandalism, hailstorm damage, and collisions with animals. If you have comprehensive coverage with State Farm, then your policy covers windshield repairs and replacements.

Some drivers carry minimum liability insurance as required by law, while others drivers carry full coverage policies for added protection. If you only have minimum liability insurance, then you cannot make a claim for windshield damage with State Farm.

Final Word on State Farm’s Windshield Replacement

State Farm covers the cost of repairing or replacing your windshield as long as you have comprehensive coverage.

Comprehensive coverage covers theft, vandalism, windshield repairs and replacements, and other damages. Depending on your state and coverage, you may or may not need to pay a deductible for State Farm to repair your windshield.

To learn more about State Farm’s windshield coverage or to start a claim today, contact your State Farm agent or make a claim online.

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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