Yes, in most cases, car insurance does cover a cracked windshield, but the specifics depend entirely on the type of coverage you carry. The key factor is your comprehensive insurance. This part of your policy is designed to cover damage not caused by a collision with another car, such as damage from flying rocks, hail, vandalism, or falling objects. If your crack is a result of any of these events, comprehensive coverage will typically pay for a repair or full replacement.
However, the deductible—the amount you pay out-of-pocket before insurance kicks in—plays a huge role. Many insurance companies waive the deductible for windshield repairs because it's far cheaper than a full replacement. If the crack is small (usually under six inches) and can be repaired, you might pay nothing. If the damage is too severe and requires a full windshield replacement, you will likely have to pay your comprehensive deductible.
It's a different story if you only have liability insurance, which is the minimum required by most states. Liability covers damage you cause to others, not damage to your own vehicle, so it will not cover a cracked windshield.
The process is usually straightforward. Contact your insurance provider to file a claim. They will often direct you to a network of glass repair shops. Some providers even offer mobile service that comes to your home or office. Getting it fixed is important not just for visibility but also because a compromised windshield is a major safety hazard, as it's a critical part of your car's structural integrity and airbag deployment system.
| Scenario | Coverage Type | Typical Out-of-Pocket Cost | Notes |
|---|
| Small Chip (< 3 inches) | Comprehensive | $0 (Deductible often waived) | Repair is cost-effective for insurer. |
| Long Crack (> 6 inches) | Comprehensive | Your full comprehensive deductible | Requires full windshield replacement. |
| Damage from a Car Accident | Collision | Your collision deductible | Covered if you were in a collision. |
| Only Liability Insurance | Liability | Full cost of repair/replacement | Not covered, as it's damage to your own car. |
| State with "Full Glass" Coverage | Comprehensive (Add-on) | $0 or low set fee | Some states mandate this optional coverage. |
