Does Car Insurance Cover a Broken Windshield?

Comprehensive covers a broken windshield, and many policies or states waive the deductible for glass repair.

By the Home & Dime Editorial Team · Last updated 2026

Which coverage

Glass damage falls under comprehensive.

Repair vs replace

• Small chips — often repaired, deductible waived.
• Large cracks — replacement, subject to deductible.

Frequently asked questions

Does a glass claim raise rates?

Usually not.

Is chip repair free?

Often, if your policy waives the glass deductible.

The bottom line

Comprehensive covers your windshield, and glass repair is often free — fix chips early.

Related guides

• Does Car Insurance Cover Hail Damage?

Sources: Insurance Information Institute (iii.org); Consumer Financial Protection Bureau; FEMA; state Departments of Insurance. General information, not insurance advice.