Which U.S. states have a $0 glass deductible for auto insurance?

Florida, Kentucky, and South Carolina are the only states that mandate a $0 deductible for certain auto glass claims when you carry comprehensive coverage—Florida for windshields specifically, and Kentucky and South Carolina for “safety glass” (typically windshield, side, and rear windows). Other states may offer optional “full glass” endorsements with no deductible, but they are not required by law.

The states that require insurers to waive the deductible on glass claims

The following list details the three states where state law requires insurers to waive the comprehensive deductible for auto glass claims. It also notes what glass is covered and cites commonly referenced statutes for verification.

• Florida — $0 deductible for windshield repair or replacement under comprehensive coverage. Side and rear glass may still carry a deductible unless your policy includes special coverage. (Fla. Stat. § 627.7288)
• Kentucky — $0 deductible for safety glass claims, which generally includes the windshield, side windows, and rear window, when damaged by a covered comprehensive peril. (KRS § 304.20-060(3))
• South Carolina — $0 deductible for safety glass claims (windshield, side, and rear glass) with comprehensive coverage. (S.C. Code Ann. § 38-77-280(B))

In these states, the $0 glass rule applies only if you carry comprehensive coverage. It does not typically apply to collision-only policies or to commercial vehicles unless specified by policy.

What “$0 glass” usually covers—and what it doesn’t

Zero-deductible glass laws focus on safety and visibility. In Florida, the mandate is confined to the windshield. In Kentucky and South Carolina, the protection extends to safety glass, usually including side and rear windows. Coverage applies to damage from comprehensive perils (for example, road debris, falling objects, vandalism), not collision. Accessories tied to replacement—such as rain sensors or ADAS camera recalibration—are commonly covered as part of the glass claim, but handling can vary by insurer and policy language.

Optional $0 glass endorsements in other states

Outside of Florida, Kentucky, and South Carolina, many insurers offer an optional “full glass” or “glass buyback” endorsement that reduces the glass deductible—often to $0—for an added premium. Availability, covered glass, and terms differ by carrier and state, and some policies waive deductibles for chip repairs but not full replacements.

• Insurers in many states allow you to add a $0 glass endorsement to comprehensive coverage.
• Some carriers automatically waive deductibles for minor chip repairs to encourage repairs over replacements.
• Endorsements can specify OEM vs. aftermarket glass usage, calibration coverage, and mobile service terms.

If your state isn’t one of the three with mandated $0 glass, review your declarations page or ask your agent about a “full glass” endorsement and any limits on parts or calibration.

Fine print and practical considerations

Even with a $0 glass deductible, insurers may specify acceptable repair shops, require pre-authorization, or permit aftermarket glass if it meets safety standards. Advanced driver-assistance systems (ADAS) often require camera recalibration after windshield replacement; most carriers treat calibration as part of the covered glass claim, but billing practices vary. Frequent glass claims can influence premiums in some markets; ask your carrier how glass claims are rated.

How to confirm your glass deductible

Use the steps below to verify whether your glass claims are subject to a deductible and whether you can lower it.

1. Check your declarations page for “Comprehensive” and any “Glass” or “Full Glass” endorsements.
2. Read policy forms for deductible waivers specific to windshields or safety glass.
3. Call your agent or insurer to clarify calibration coverage and OEM vs. aftermarket provisions.
4. If you live in FL, KY, or SC, confirm the carrier’s process for $0 glass claims and approved shops.
5. If you’re elsewhere, ask about adding a $0 glass endorsement and its cost.

This quick review helps avoid surprises at claim time and ensures you understand your options to reduce out-of-pocket costs.

Summary

Only three states mandate a $0 glass deductible with comprehensive coverage: Florida (windshield only), Kentucky (safety glass), and South Carolina (safety glass). In other states, $0 glass is typically available as an optional endorsement rather than a legal requirement. Always confirm your policy details—especially what glass is covered, whether calibration is included, and any parts or shop restrictions—before filing a claim.

Will State Farm replace my windshield for free?

Does State Farm Cover Windshield Replacement? State Farm covers both windshield repairs and replacements, depending on the extent of the damage. Your deductible may apply.

Does GA replace windshields for free?

No, windshield replacement is not automatically free in Georgia, as the state does not have a zero-deductible law for windshield repairs like some other states. However, if you have a comprehensive auto insurance policy, it will likely cover the costs after you pay your deductible, especially for damage from incidents like falling debris or animal collisions. To determine if your windshield is covered, review your policy details or contact your insurance provider to understand your specific coverage and deductible for glass damage. 
How to get your windshield covered in Georgia

1. Check your insurance policy: You will need comprehensive coverage to cover damage not caused by a collision. 
2. Look for a deductible: You will likely have to pay your deductible before the insurance company covers the remaining cost. 
3. Contact your insurance provider: They can confirm your coverage and process the claim. 
4. Consider the cause of damage:
   • Comprehensive: Covers damage from falling objects, vandalism, or animal strikes. 
   • Collision: Covers damage incurred during a crash with another vehicle. 
   • Faulty driver: If the windshield was damaged by another driver, you can file a claim against their insurance policy. 
5. Find an authorized auto glass shop: Many companies work directly with major insurance providers to streamline the process. 

What does $0 glass deductible mean in Progressive?

$0 deductible option on glass replacement
In certain states, we offer a $0 deductible option for glass-only replacement claims. This option is separate from your comprehensive deductible and gives you the flexibility to set both deductibles to your liking.

Which states have no deductible for windshield replacement?

Florida’s approach to windshield insurance is unique when compared to most other states. Only two other states – Kentucky and South Carolina – have similar laws waiving the deductible for windshield claims. These three states are often referred to as “zero deductible” states for windshield replacements.