Does Car Insurance Cover a Crack in a Windshield?

If you live in Pensacola and you’ve found a crack in your windshield, you’re probably wondering, does car insurance cover a crack in a windshield? The answer is: it depends.

Most car insurance policies do cover windshield damage, but the specifics can vary depending on your policy and your insurance company. Here’s what you need to know if you’re dealing with a cracked or broken windshield:

Types of Coverage:

There are two types of coverage that typically apply to windshield damage: comprehensive coverage and full glass coverage.

Comprehensive coverage is an optional type of coverage that pays for damage to your vehicle that isn’t caused by a collision. This can include things like theft, vandalism, hail damage, and yes, windshield damage. If you have comprehensive coverage, your policy should cover the cost of repairing or replacing your windshield. Keep that in mind next time you’re driving down the highway and a rock pops up and chips your windshield. (call it in ASAP and you might get away with filling it rather than having to do a full replacement!)

Full glass coverage is a specific type of coverage that some insurance companies offer as an add-on to comprehensive coverage. As the name suggests, full glass coverage covers the cost of repairing or replacing any glass on your vehicle, including your windshield, without requiring you to pay a deductible. Ask your insurance agent about it. You might find it’s cheaper than you think!


Whether your insurance company covers the cost of windshield repair or replacement will also depend on your deductible. Your deductible is the amount you’re required to pay out of pocket before your insurance coverage kicks in.

If your deductible is higher than the cost of repairing or replacing your windshield, it may not make sense to file a claim. In this case, you’ll be responsible for paying for the repairs yourself.

On the other hand, if your deductible is lower than the cost of repairs, it’s worth filing a claim. Your insurance company will cover the cost of repairs minus your deductible. We recommend calling around and getting a couple quotes to help you make the best decision.

Does Car Insurance Cover a Crack in a Windshield?

Does Car Insurance Cover a Crack in a Windshield?

Finally, it’s important to keep in mind that different insurance companies may have different policies when it comes to windshield damage. Some companies may require you to use a specific repair shop or may only cover the cost of repairs rather than replacement.

When you’re shopping for the most affordable car insurance in Pensacola, it’s a good idea to ask about the company’s policy on windshield damage and what type of coverage is included in your policy. You can also look for insurance companies that offer full glass coverage or other add-ons that can help protect you in case of windshield damage. Understanding the perks of your policy will help you find what fits your needs, whether that’s the cheap policy to get you by or the one with the add-ons to cover an expensive vehicle purchase.

Getting the Car Best Insurance Quote:

If you’re not sure what type of coverage you have or you’re looking for a new insurance policy, it’s easy to get a quote from car insurance companies in Pensacola. You can either contact an agent directly or use an online quote tool to get an estimate of how much your policy will cost.

When you’re getting a quote, be sure to ask about the specifics of your coverage, including what types of damage are covered and what your deductible is. This will help you make an informed decision about which policy is best for you. Having an agent that understands you can help you make a better decision. That’s why a lot of people choose a local agent rather than just buying online. Finally, make sure you ask about discounts for things like multi-vehicle, safe drivers, loyalty and more.

In conclusion, if you have comprehensive coverage or full glass coverage on your car insurance policy, the cost of repairing or replacing your windshield should be covered. However, the specifics can vary depending on your policy and your insurance company, so it’s important to check your policy and ask questions if you’re not sure. And if you’re shopping for car insurance in Pensacola, be sure to look for policies that offer full glass coverage or other add-ons that can protect you in case of windshield damage.

Local Insurance Agent Near Me in Pensacola

Welcome to Gulf Coast Insurance of Pensacola, the premier insurance company serving the Gulf Coast Florida region. We specialize in providing the best car insurance, homeowners insurance, and business insurance policies across Santa Rosa, Escambia, Okaloosa, Walton counties and beyond. Our commitment is to deliver affordable insurance solutions without compromising on coverage. Whether you’re in  Pensacola, Pace, Gulf Breeze, Navarre, Milton, Perdido, Cantonment, Crestview, Niceville, our team of experienced agents is here to help you find the perfect policy that fits your needs and budget.

Navigating through insurance options can be daunting, but at Gulf Coast Insurance of Pensacola, we make it easy for you. Our team works tirelessly to provide cheap yet comprehensive insurance estimates that will give you peace of mind knowing that your most valuable assets are protected. With a solid reputation among insurance companies, we pride ourselves on our customer-centric approach, ensuring that every quote is tailored to meet your specific requirements. Don’t compromise on protection for your home, car, or business – contact us today for a free quote and experience the Gulf Coast Insurance difference. Additional insurance coverages we can help with include boat, health, RV, classic car/auto, life, flood, renters, and umbrella insurance.