Best Windshield Replacement Coverage in Arizona (Top 10 Companies for 2024)

State Farm, USAA, and American Family have the best windshield replacement coverage in Arizona.

State Farm takes the top spot for the best windshield replacement in AZ because it also offers low rates, other coverage options, and generous discounts. State Farm is also one of the best companies for Arizona auto insurance, so you’ll find cheap coverage for all your needs.

Our Top 10 Company Picks: Best Windshield Replacement Coverage in Arizona

Arizona glass laws require all companies to offer zero-dollar deductible options for full coverage. However, you can explore the best windshield replacement coverage in Arizona below. Then, enter your ZIP code into our free comparison tool to find the lowest rate for you.

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#1 – State Farm: Top Pick Overall

Pros

• Quick and Easy Claims: State Farm reviews often report that the claims process is usually smooth and easy. Read more about the claims process in our State Farm auto insurance review.
• Extensive Network of Glass Repair Shops: Like most companies, State Farm requires drivers to use an in-network repair shop for glass repairs. Luckily for policyholders, State Farm has a massive network of eligible repair shops.
• Competitive Rates: State Farm is usually one of the cheapest options for glass coverage in Arizona, especially for drivers with speeding tickets or at-fault accidents.

Cons

• Mixed Reviews: Many customers complain that the State Farm customer service experience leaves much to be desired.
• Limited Add-ons: State Farm lacks some popular coverage options you can find elsewhere, like accident forgiveness and a vanishing deductible.

#2 – USAA: Best for Military Coverage

Pros

• Low Rates: USAA is almost always the cheapest Arizona windshield insurance option, no matter what kind of driver you are.
• Superb Customer Service: Customer reviews agree that USAA representatives are courteous, knowledgeable, and helpful.
• Specialty Coverage for Military Members: USAA offers a variety of ways for military members to get the best windshield replacement in AZ. Read our USAA auto insurance review to see other coverage options.

Cons

• Fewer Physical Locations: There are fewer USAA brick-and-mortar offices, meaning you’ll probably rely on phone calls or online chats if you need help.
• No Gap Insurance: USAA offers great coverage to meet Arizona windshield laws, but it does not sell gap insurance.

#3 – American Family: Best for OEM Glass Replacement

Pros

• OEM Glass Repairs: American Family’s windshield replacement coverage includes original equipment (OEM) for your glass, so you won’t have to worry about the quality of your repair.
• Low Rates: American Family policies meet AZ windshield replacement laws while keeping its car insurance prices low for most drivers.
• Excellent Coverage Options: Aside from its windshield coverage, American Family sets itself apart with options like rental car reimbursement and gap insurance.

Cons

• Limited Digital Tools: It may offer affordable windshield coverage, but it doesn’t impress customers with its mobile app and website.
• Higher Rates for Older Drivers: American Family is often an affordable option for most drivers, but older people will likely find cheaper rates elsewhere. See how much you might pay in our American Family auto insurance review.

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#4 – Progressive: Best for Drivers on a Budget

Pros

• Snapshot: Save up to 30% on your insurance by enrolling in Snapshot, Progressive’s usage-based insurance (UBI) program.
• Name Your Price Tool: Progressive helps drivers stick to their monthly budget with the Name Your Price tool, which generates insurance plans that match what you can pay.
• Generous Discounts: Progressive offers 13 discounts to help drivers save, many of which automatically apply to your account. See how you can save in our Progressive auto insurance review.

Cons

• Limited Glass Repair Options: You need to get your windshield repaired using one of Progressive’s in-network repair shops. This network isn’t the largest, meaning you’ll have fewer choices for repairs from Progressive glass coverage in AZ.
• Rate Increases: Arizona cracked windshield laws require companies to offer a zero-dollar deductible, but your rates can increase if you make a Progressive glass claim.

#5 – Allstate: Best for Usage-Based Insurance Savings

Pros

• UBI Programs: Allstate offers two UBI programs to help drivers save. Drivewise offers a discount of up to 40% for safe drivers who agree to have their driving habits tracked, while Milewise offers a pay-per-mile insurance plan.
• ADAS Recalibration: Allstate goes further than just providing free windshield replacement in Arizona. It also includes recalibration of advanced driver assistance systems (ADAS) after a replacement.
• Wide Range of Coverage Options: Get the best full coverage policy from Allstate by adding optional coverage to your plan. Popular options include roadside assistance and new car replacement coverage. Learn more in our Allstate auto insurance review.

Cons

• Higher Rates: No matter which city you live in or what’s on your driving record, Allstate is usually one of the most expensive insurance options.
• Some Negative Reviews: While many customers love their policies, others are less than impressed with Allstate’s customer service and claims handling.

#6 – Nationwide: Best for Vanishing Deductible Savings

Pros

• Vanishing Deductible: Enroll in this program to earn a $100 decrease in your deductible for every year you spend claims-free, up to a maximum of $500.
• Bundling Discounts: Nationwide makes it easy to save on multiple policies with its bundling discount. See all of Nationwide’s discounts in our auto insurance review of Nationwide.
• Excellent Financial Strength: Nationwide gets an A+ from A.M. Best for its financial strength, meaning customers won’t have to worry about their claims.

Cons

• Average Customer Service Ratings: Nationwide offers great Arizona zero-deductible windshield replacement coverage, but the company struggles with its customer service ratings.
• Higher Premiums for Some: If you have a DUI on your driving record, Nationwide probably won’t have the lowest rates.

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#7 – Farmers: Best Selection of Car Insurance Discounts

Pros

• Ample Discounts: Farmers has one of the best selections of discounts on the market. Explore all your ways to save in our Farmers auto insurance review.
• Original Manufacturer Glass: Farmers meets cracked windshield Arizona laws with its full glass coverage option, which includes original manufacturer replacement coverage.
• Customizable Coverage: Aside from glass coverage, you can also add coverage like accident forgiveness and custom equipment insurance.

Cons

• Lacking Some Options: While it has many excellent options to increase the coverage in your policy, Farmers lacks popular choices like gap insurance and a vanishing deductible.
• Higher Rates: Drivers of all ages and with any type of driving record will likely see higher insurance rates at Farmers.

#8 – Liberty Mutual: Best Selection of Coverage Options

Pros

• RightTrack: Save up to 30% on your car insurance by enrolling in RightTrack, Liberty Mutual’s UBI program.
• Add-on Options: Get the best full coverage policy by adding insurance to your policy. Check out all of your coverage options in our Liberty Mutual auto insurance review.
• Generous Discounts: You can purchase insurance that meets the state of Arizona’s windshield replacement requirements for an affordable price with Liberty Mutual’s 17 discounts.

Cons

• Higher Number of Complaints: Liberty Mutual offers great insurance that meets AZ windshield replacement laws, but it gets more complaints than other companies of a similar size.
• Limited Online Information: Most customers want to access information about insurance options online, but Liberty Mutual’s website doesn’t have very much to look at.

#9 – Travelers: Best for Customer Service

Pros

• Responsible Driver Plan: The Responsible Driver plan bundles accident forgiveness and minor traffic violation forgiveness into one convenient plan. You can also upgrade to include a decreasing deductible or a deductible waiver.
• Excellent Customer Service: Travelers has a reputation for excellent customer service. See what customers have to say about their service in our Travelers auto insurance review.
• IntelliDrive: Travelers offers savings of up to 30% if you enroll in IntelliDrive and regularly practice safe driving habits.

Cons

• No SR-22 Insurance: If you need your insurance company to file an SR-22 form on your behalf, you’ll need to find a different insurance company.
• Limited Online Tools: Travelers offers fewer ways to manage your policy and start claims online than other large companies.

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#10 – Country Financial: Best for Young Drivers

Pros

• DriverIQ: Save up to 25% on your insurance by enrolling in the DriverIQ telematics program.
• Excellent Coverage Options: Country Financial offers a variety of coverage options to ensure you get the best policy, including safety glass coverage. Explore all of your coverage options in our Country Financial auto insurance review.
• Affordable for Young Drivers: It’s not always the cheapest option, but Country Financial is often an affordable choice for young, inexperienced drivers.

Cons

• No Online Quotes: Drivers interested in a Country Financial policy need to speak with a representative to get coverage since there is no online quote option.
• High Rates After Speeding Tickets: If you have a speeding ticket or at-fault accident, Country Financial is probably not the cheapest car insurance option for you in Arizona.

Windshield Replacement Coverage Rates in Arizona

Auto insurance rates in Arizona tend to be affordable, especially if your driving record is clean. Take a look below to see how much you might pay for insurance when you shop at our top companies.

Arizona Windshield Replacement Coverage Monthly Rates by Coverage Level & Provider

As you can see, buying coverage that only meets Arizona minimum auto insurance requirements is your cheapest option. However, minimum Arizona auto insurance doesn’t protect your car – the extra cost of full coverage might be worth it.

If you want full coverage auto insurance, there are plenty of ways to keep rates down. For starters, finding car insurance discounts is an easy way to find affordable coverage. Take a look below to see some discount options from our top companies.

Other ways to save include lowering your coverage, raising your deductible, keeping your driving record clean, and comparing auto insurance quotes.

Comparing quotes is the most important step to take when you need affordable coverage. You can get individual quotes by filling out request forms like the one above, or you can use a comparison tool to look at multiple rates simultaneously.

Why You Should Get Windshield Coverage in Arizona

Windshield damage can occur without warning, especially if the wheel of a passing vehicle throws up a stone. When a projectile hits the windshield, it can cause a small chip or a larger crack. Unfortunately, these cracks can spread as you encounter potholes or weather changes, making the situation even worse.

It’s tough to avoid this type of damage, and repair or replacement costs can undoubtedly be an unwanted expense. That’s why it’s best to be prepared with the right coverage so you can get your windshield fixed quickly. However, there are many types of auto insurance coverage that can help you get your windshield repaired.

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Arizona Windshield Replacement Laws

Laws dictate that you cannot drive a vehicle with a cracked windshield that restricts your vision. The Code of Federal Regulations specifies that a windshield must be free of damage in an area above the steering wheel and out to 1 inch from each edge. If you have damage that’s likely to impede your vision when driving, you need to get the windshield replaced or risk getting a ticket.

While the law specifies how long a crack can be before you have to repair it, there’s no need to get out the measuring tape. If a crack is longer than your thumb, it’s time to get your windshield fixed. Luckily, your comprehensive insurance covers windshield repairs if a rogue rock cracks your glass.

While insurance companies may require you to use your deductible when claiming against insurance, windshield coverage in Arizona falls under an optional coverage law. In this state, like several others, insurance providers may offer a zero-deductible benefit for auto glass repairs and replacement. That means that if you have this coverage, you can opt to repair or replace your windshield without using your deductible.

Arizona Windshield Replacement Auto Insurance Options

Some insurance policies cover glass replacement. Typically, comprehensive insurance policies will include this, but you’ll want to check the fine print to be sure yours does.

Look at the #glass as half-full, even when it’s half-cracked.

— Progressive (@progressive) December 28, 2020

On the other hand, glass coverage is not included in your liability auto insurance because it only covers damage and injuries you cause to others. Collision insurance can cover windshields damaged in an accident, but only if you’re at fault.

Aftermarket vs. Original Glass Replacement

If you need to file a claim, you also have the right to choose who performs the work. Keep in mind that a mechanic can use aftermarket parts, not only components provided by the original equipment manufacturer (OEM). If you want nothing but OEM parts used in your repairs, you should find coverage with one of the best auto insurance companies that offer OEM parts coverage.

Remember, you don’t have to use a particular service provider under these state insurance laws. Therefore, if you’re adamant that you only want OEM glass, you can search for a service provider that only offers this glass. You won’t need to get approval from your insurance company before you use a particular vendor. More importantly, you won’t need to worry about paying the difference between their preferred vendor and yours.

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Windshield Repair Costs

How much does it cost to replace or repair a windshield in Arizona? Some companies estimate between $150 and $300 for a car, but this varies significantly by vehicle type. When you consider that an auto insurance deductible may be $500 or more, you will undoubtedly want to take advantage of your policy’s zero-deductible glass coverage in Arizona.

Find the Best Windshield Replacement Coverage in Arizona

Arizona does not have any auto insurance laws that make windshield replacement free. However, under Arizona’s glass insurance law, you may be able to get the work performed without using your deductible. Check with your insurance company to make sure before you act.

Enter your ZIP code into our free comparison tool below to see how much you might pay for Arizona insurance today.

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