Auto Glass Insurance: What It Covers and How It Works

From a rock chipping your windshield on the highway to hail damaging your sunroof, auto glass insurance can help save you money and protect your car from a range of incidents.
Author:
Lily DiGregorio
Lily DiGregorio,Staff copywriter
Lily DiGregorio
Staff copywriter specializing in auto and home insurance for The Hartford.
Reviewed By:
Ben Ewbank
Ben Ewbank,Head of Personal Lines State Product and Pricing
Ben Ewbank
Head of Personal Lines State Product and Pricing at The Hartford.
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Updated: 12/15/2025
Read Time: 4 minutes
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Key Takeaways

  • If you need to repair or replace damaged glass, from windshields to side mirrors, auto glass insurance can help.
  • How much auto glass insurance costs will vary by state and policy, but it’s typically very affordable to get coverage and can save you money down the road.
  • The Hartford makes it easy to file a claim online or over the phone 24/7. Plus, you can take advantage of our network of nationwide repair shops for reliable service.
 

What Is Full Auto Glass Insurance Coverage?

Full auto glass insurance is an optional coverage that helps pay for the repair or replacement of your damaged windshield or glass. This car insurance coverage is also referred to as:
 
  • Windshield insurance
  • Windshield repair insurance
  • Full windshield replacement insurance
Many insurance companies allow you to add glass insurance to your car coverage for just a few dollars a month. For instance, depending on your state’s car insurance policies, you may be able to include full glass coverage in your comprehensive car insurance coverage. The availability of full auto glass insurance coverage varies by state.
 

What Does Auto Glass Insurance Cover?

Auto glass insurance helps pay to repair or replace your vehicle’s damaged glass, like the windshield, side and rear windows, sunroof or mirrors, when the damage is caused by a covered loss.
 
Common examples of auto glass damage that are typically covered include:
 
  • Chips or small cracks in your windshield from rocks
  • Weather-related damage, such as hail or falling debris
  • Vandalism, theft or intentional damage to auto glass
  • Collisions with other vehicles or stationary objects
auto glass insurance

Insurance Illustrated: Glass Coverage

Get more glass coverage information in this short, educational video.

What Are the Costs of Full Auto Glass Insurance?

The cost of full glass insurance coverage varies by state. Typically, full auto glass coverage is automatically included as part of your comprehensive coverage. In others, it may come with a separate fee. The best way to know for sure is to ask your insurance provider directly what policy coverage you have.
 
Depending on your state and other coverage selections, you may be eligible for glass coverage for just a few dollars a month.
In most cases, you’ll pay your deductible before coverage kicks in. However, full glass coverage with AARP® Auto Insurance from The Hartford1 allows you to get repairs or replacements for damaged auto glass with no deductible.
 

How To File an Auto Glass Insurance Claim

One perk of a full coverage car insurance policy from The Hartford, including auto glass insurance, is you can enjoy a hassle-free claims process. To get fast, professional windshield glass repair service:
 
  • File an auto glass claim by calling The Hartford at 800-892-8484. You can also submit your auto glass car insurance claim online.
  • You will be asked to verify details about your claim, including the damage and how it happened to your car.
  • Then, you can get help to schedule and confirm your auto glass repair or replacement service appointment.
We have mobile technicians in many locations who can come to you and repair your auto glass wherever you are.
customer vehicle protected by car glass insurance

Get a Quote for Auto Glass Insurance

Whether your vehicle has full windshield damage or just a dollar-bill-sized crack, The Hartford can help. To learn more about our customizable coverage options and access exclusive AARP member benefits, contact us at 888-546-9099 or get a quote online for car insurance today.

Frequently Asked Questions About Auto Glass Replacement Insurance

Auto glass insurance coverage helps pay to repair or replace your vehicle’s damaged glass, like the windshield, side and rear windows, sunroof or mirrors, when it’s damaged by things like rocks, weather or vandalism.
Yes. If a rock hits your windshield, auto glass insurance can help cover the cost to repair or replace it.
Fixing a cracked windshield can be pricey, depending on how large the damage is. It’s usually a smart financial decision to file a claim, so your insurance company can help pay for repairs if they’re covered in your policy.
If you have a $500 deductible for your full glass auto insurance coverage, that means you will have to pay $500 out of pocket before your insurance will kick in to cover the rest. With The Hartford’s auto glass insurance, you can get repairs or replacements for damaged auto glass with no deductible.
Auto glass insurance from The Hartford has no deductible, meaning you don’t have to pay anything out of pocket to get repairs or replacements for your damaged windshield, as long as it’s a covered loss.
Whether a glass claim will raise your insurance depends on the severity of the claim, but typically there won’t be a difference.
Usually, your insurance won’t increase if you have windshield damage, unless the damage is severe or frequent.
If you’re debating whether to choose a policy with glass insurance, replacing a car’s windshield can be expensive. Often, using glass insurance to help cover the costs can be a wise decision and provides peace of mind knowing you’re covered.

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Summaries of coverages and policy features are for informational purposes only. In the event of loss, the actual terms and conditions set forth in your policy will determine your coverage.
 
AARP and its affiliates are not insurers. Paid endorsement. The Hartford pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP membership is required for Program eligibility in most states.
 
The AARP Auto Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ, MI and MN by Hartford Insurance Company of the Southeast; in CA, by Hartford Underwriters Insurance Company; in WA, by Hartford Casualty Insurance Company; in MA, by Trumbull Insurance Company; and in PA, by Nutmeg Insurance Company and Twin City Fire Insurance Company. The AARP Home Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ, MI and MN by Hartford Insurance Company of the Southeast; in CA by Property and Casualty Insurance Company of Hartford; in WA, by Trumbull Insurance Company; in MA, by Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, and Hartford Accident and Indemnity Company; and in PA, by Nutmeg Insurance Company. The Hartford does not write new Home business in all areas, including the states of CA and FL. Savings, benefits and coverages may vary and some applicants may not qualify. The Program is currently unavailable in Canada and U.S. Territories or possessions.
 
1 In Texas, the Auto Program is underwritten by Redpoint County Mutual Insurance Company through Hartford of the Southeast General Agency, Inc. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by Redpoint County Mutual Insurance Company. The Home Program is underwritten by Hartford Insurance Company of the Southeast.
 
* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.