Yes, Progressive car insurance typically covers windshield replacement, but the specifics depend entirely on the type of coverage you have. The key factor is your comprehensive coverage, which is optional in most states. This coverage is designed for non-collision incidents, such as a crack from a flying rock, vandalism, or weather-related damage. If you only carry the state-mandated liability insurance, your windshield replacement will not be covered.
The process is also influenced by your deductible. Many insurers, including Progressive, often waive the comprehensive deductible for windshield repair, and sometimes for replacement, if the damage can be safely repaired instead. This means you might pay nothing out-of-pocket for a simple repair. However, for a full replacement, you will likely need to pay your chosen comprehensive deductible unless you have specifically added full glass coverage (available in some states), which provides zero-deductible glass repair and replacement.
Filing a claim is straightforward through the Progressive app or website. They have a large network of glass repair shops, and many can come to your location for mobile service. It's important to address windshield damage promptly. A small chip can often be repaired quickly and inexpensively, but if ignored, it can spread into a long crack that necessitates a costlier full replacement and compromises your safety.
| Coverage Type | Covers Windshield? | Typical Deductible Applies? | Key Consideration |
|---|
| Liability Only | No | N/A | Mandatory coverage; only pays for damage you cause to others. |
| Comprehensive | Yes | Yes, but often waived for repair | Covers non-collision events like rocks, theft, fire. |
| Collision | Only if broken in an accident | Yes | Covers damage from colliding with an object/vehicle. |
| Full Glass Coverage | Yes | No (Deductible Waived) | An optional add-on; check state availability. |
