Does insurance cover windshield replacement in Phoenix?
Yes — in most cases. Arizona law (ARS 20-263) requires every auto insurer to offer zero-deductible glass coverage for windshield damage. If you have comprehensive insurance with the glass add-on, you pay $0 for chip repairs and often $0 for full replacements.
Updated June 2026
Arizona is one of a handful of states that mandates zero-deductible windshield coverage. The law requires insurers to make this available on any comprehensive policy. Filing a glass claim under this coverage cannot legally raise your rates.
Major carriers in the Phoenix metro — State Farm, Progressive, GEICO, Farmers, and USAA — typically include zero-deductible glass coverage as standard or as an inexpensive add-on. If you have full coverage or comprehensive, you likely qualify.
You have the right to choose your own repair shop. When you contact Pink Auto Glass, we verify your Arizona coverage, handle the claim paperwork, and bill your insurer directly. Most Phoenix drivers pay nothing out of pocket.