Best Windshield Replacement Coverage in Connecticut (Top 10 Companies in 2026)

Geico, Progressive, and State Farm provide the best windshield replacement coverage in Connecticut, starting from only $60 monthly. Our goal is to help you compare quotes from these reputable insurers, ensuring you find the perfect coverage and benefit from personalized discounts for your vehicle.

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Laura D. Adams

Insurance & Finance Analyst

Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...

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Written by
Laura D. Adams
Joel Ohman

Certified Financial Planner

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Joe...

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Reviewed by
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Updated October 2024

Best CT Windshield Coverage: Geico
4.5

Company Facts

Full Coverage for Windshield Replacement in Connecticut

$100/mo

A.M. Best Rating

A++

Complaint Level

Low

Pros & Cons

  • Affordable rates for safe drivers
  • High customer satisfaction
  • Extensive discounts
  • Up-to-date mobile app and website
  • No gap coverage
  • Higher rates for drivers with a DUI
  • Few local agents for in-person service
» Geico Auto Insurance Review
Best CT Windshield Choice: Progressive
4.4

Company Facts

Full Coverage for Windshield Replacement in Connecticut

$120/mo

A.M. Best Rating

A+

Complaint Level

Low

Pros & Cons

  • Affordable rates for high-risk drivers
  • It’s easy to get a Progressive auto insurance quote online
  • Snapshot can help low-mileage, safe drivers save money
  • Expensive rates for teen drivers
  • Customer service ratings aren’t as good as competitors
» Progressive Auto Insurance Review
Best CT Windshield Service: State Farm
4.3

Company Facts

Full Coverage for Windshield Replacement in Connecticut

$140/mo

A.M. Best Rating

B

Complaint Level

Low

Pros & Cons

  • Competitive rates
  • Flexible coverage
  • Multiple discounts
  • High claims satisfaction
  • Financially stable
  • High-risk driver costs
  • Limited digital tools
  • Varies by location
» State Farm Auto Insurance Review

Geico leads the pack as the premier option for the best windshield replacement coverage in Connecticut, offering competitive prices beginning at only $60 monthly for comprehensive safeguarding.

Best Windshield Replacement Coverage in Connecticut: Geico, Progressive, and State Farm

Teaming up with Progressive and State Farm, they provide cost-effective rates and an extensive range of comprehensive coverage options customized to suit your individual driving requirements.

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

CompanyRankMulti-Vehicle DiscountA.M. BestBest ForJump to Pros/Cons
Geico: Best Windshield Replacement Coverage in Connecticut#125%A++Affordable RatesGeico
Progressive: Best Windshield Replacement Coverage in Connecticut#212%A+Flexible OptionsProgressive
State Farm: Best Windshield Replacement Coverage in Connecticut#320%A++Personalized ServiceState Farm
Allstate: Best Windshield Replacement Coverage in Connecticut#425%A+Deductible RewardsAllstate
Travelers: Best Windshield Replacement Coverage in Connecticut#58%A++Premier CoverageTravelers
Liberty Mutual: Best Windshield Replacement Coverage in Connecticut#625%ABetter ReplacementLiberty Mutual
Farmers: Best Windshield Replacement Coverage in Connecticut#720%A+Vanishing DeductibleFarmers
Nationwide: Best Windshield Replacement Coverage in Connecticut#820%ACustomizable PlansNationwide
USAA: Best Windshield Replacement Coverage in Connecticut#910%A++Excellent ServiceUSAA
AAA: Best Windshield Replacement Coverage in Connecticut#1025%AMember RewardsAAA

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Replacing your windshield promptly in Connecticut is crucial for safety, despite legal allowances for driving with minor damage. Check your insurance coverage for glass repair options and explore local repair shops. Understanding car insurance, state laws, and your policy empowers you to make informed decisions about your vehicle’s protection. Enter your ZIP code now.

Things to Remember

  • Geico provides competitive pricing starting from $60 per month
  • Leading insurance companies present opportunities for windshield replacements
  • Numerous discount opportunities exist for windshield replacement coverage

#1 – Geico: Top Overall Pick

Geico: Best Windshield Replacement Coverage in Connecticut

Pros

  • Affordable Rates: Known for offering some of the lowest premiums in the industry. Read more in our Geico auto insurance review.
  • Strong Financial Stability: Rated A++ by A.M. Best, indicating excellent financial health.
  • Convenient Online Tools: Easy-to-use website and mobile app for managing policies and filing claims.

Cons

  • Limited Local Agents: Fewer in-person agents compared to other major insurers.
  • Mixed Customer Service Reviews: Some customers report inconsistent service experiences.

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#2 – Progressive: Best for Flexible Options

Progressive: Best Windshield Replacement Coverage in Connecticut

Pros

  • Snapshot Program: Offers usage-based insurance with potential discounts for safe driving.
  • Comprehensive Coverage Options: Wide range of customizable coverage plans.
  • Strong Online Presence:  In our Progressive auto insurance review, excellent website and app functionality for policy management.

Cons

  • Price Variability: Rates can vary significantly based on individual driving records and locations.
  • Average Customer Service: Customer service experiences can be hit or miss.

#3 – State Farm: Best for Personalized Service

State Farm: Best Windshield Replacement Coverage in Connecticut

Pros

  • Excellent Customer Service: High customer satisfaction ratings and extensive agent network.
  • Comprehensive Coverage: Wide range of insurance products and add-ons. Find out more in our State Farm auto insurance review.
  • Financial Strength: A++ rating from A.M. Best, indicating robust financial health.

Cons

  • Higher Premiums: Tends to be more expensive than some competitors.
  • Limited Discounts: Fewer discounts compared to some other insurance companies.

#4 – Allstate: Best for Deductible Rewards

Allstate: Best Windshield Replacement Coverage in Connecticut

Pros

  • Deductible Rewards: Program that rewards safe driving with lower deductibles.
  • Strong Agent Network: Extensive network of local agents for personalized service.
  • Comprehensive Coverage Options: Wide variety of coverage and add-on options.

Cons

  • Higher Rates: Generally higher premiums than many competitors. Use our Allstate auto insurance review as your guide.
  • Mixed Claims Satisfaction: Customers report varying experiences with claims processing.

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Nationwide State Farm Allstate

#5 – Travelers: Best for Premier Coverage

Travelers: Best Windshield Replacement Coverage in Connecticut

Pros

  • Premier Coverage Options: Offers comprehensive and premium coverage plans.
  • Strong Financial Ratings: Rated A++ by A.M. Best.
  • Discount Opportunities: Various discounts available, including for safe driving and multi-policy holders.

Cons

  • Limited Availability: Our Travelers auto insurance review reveals that they are not as widely available in rural areas.
  • Higher Premiums: Can be more expensive compared to some competitors.

#6 – Liberty Mutual: Best for Better Replacement

Liberty Mutual: Best Windshield Replacement Coverage in Connecticut

Pros

  • Better Car Replacement: Offers new car replacement coverage for totaled vehicles.
  • Wide Range of Discounts: Numerous discounts available for various customer groups.
  • Customizable Policies: Flexible policy options to suit individual needs.

Cons

  • Higher Rates for Some Drivers: Premiums can be higher, especially for young or high-risk drivers.
  • Average Customer Service: Customer service quality can vary. For further insights, refer to our Liberty Mutual auto insurance review.

#7 – Farmers: Best for Vanishing Deductible

Farmers: Best Windshield Replacement Coverage in Connecticut

Pros

  • Vanishing Deductible: Deductible reduces over time with safe driving.
  • Personalized Policies: Farmers, as mentioned in our Farmers auto insurance review, offers customizable policy options.
  • Strong Agent Network: Extensive network of local agents for personal service.

Cons

  • Limited Discounts: Fewer discounts compared to some other insurers.
  • Higher Premiums: Generally higher rates than many competitors.

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Nationwide State Farm Allstate

#8 – Nationwide: Best for Customizable Plans

Nationwide: Best Windshield Replacement Coverage in Connecticut

Pros

  • Highly Customizable Plans: Nationwide, as mentioned in our Nationwide insurance review, offers extensive customization options for coverage.
  • Strong Mobile App: Excellent app for policy management and claims processing.
  • Vanishing Deductible: Reduces your deductible for safe driving over time.

Cons

  • Higher Premiums for High-Risk Drivers: Rates can be higher for those with poor driving records.
  • Mixed Customer Service Reviews: Customer service experiences can vary widely.

#9 – USAA: Best for Excellent Service

USAA: Best Windshield Replacement Coverage in Connecticut

Pros

  • Exceptional Customer Service: Consistently high customer satisfaction ratings.
  • Competitive Rates for Military: Offers some of the best rates for military families.
  • Comprehensive Coverage Options: Wide range of insurance products and coverages.

Cons

  • Restricted Membership: Only available to military members and their families. Read more through our USAA auto insurance review.
  • Average App Functionality: Mobile app is functional but not as advanced as some competitors.

#10 – AAA: Best for Member Rewards

AAA: Best Windshield Replacement Coverage in Connecticut

Pros

  • Member Rewards: Offers numerous benefits and discounts for members.
  • Reliable Roadside Assistance: Well-known for excellent roadside assistance services.
  • Wide Coverage Options: Comprehensive range of insurance products. Find out more through our AAA auto insurance review.

Cons

  • Membership Required: Must be a AAA member to access certain discounts and services.
  • Higher Premiums: Generally higher rates compared to some other insurers.

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Nationwide State Farm Allstate

Zero-Deductible Windshield Replacement in CT

Connecticut auto insurers are required to offer full glass coverage for a cracked windshield, often called zero-deductible or full glass coverage. While not mandatory, drivers can opt for policies with deductibles for lower rates.

Connecticut Windshield Replacement Coverage Monthly Rates by Coverage Level & Provider

Insurance CompanyMinimum CoverageFull Coverage
AAA$80$140
Allstate$90$150
Farmers$100$160
Geico$60$100
Liberty Mutual$90$150
Nationwide$80$140
Progressive$70$120
State Farm$80$140
Travelers$90$150
USAA$70$120

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This coverage is typically part of comprehensive insurance, which also protects against theft, fire, or storms, often required for auto loans. Opting for comprehensive coverage is advisable for newer cars but may offer limited benefits for older vehicles with lower resale value.

Glass Types Repair Vendors Use

In auto glass replacement, there are three options: OEM, Aftermarket, and Used. OEM mirrors your vehicle exactly, Aftermarket is cheaper but may differ slightly, and Used is salvaged from low-mileage vehicles.

Consider your vehicle’s age and comprehensive auto insurance coverage, which may provide coverage for certain types of glass replacements. Enter your ZIP code now to begin.

Replacement Glass Type

For newer vehicles with Advanced Driver Assistance Systems, OEM glass is often the only option due to sensor requirements.

State Farm Site Screenshot: Best Windshield Replacement Coverage in Connecticut

Older cars, especially those with liability-only coverage, may benefit from aftermarket or used glass for cost-effective repairs, as recommended by insurers. Connecticut law mandates repair vendors to specify the glass type before replacement.

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Nationwide State Farm Allstate

Filing an Insurance Claim for a Damaged Windshield

Your auto policy dictates how you address glass damage. Liability and uninsured/underinsured motorist coverage mean all repair costs are your responsibility. With comprehensive coverage including full glass coverage, filing a claim is reasonable. If repair costs are below your deductible, pay out of pocket.

Your auto policy dictates glass damage handling: liability coverage leaves costs to you, while comprehensive coverage allows claims; if costs are below your deductible, pay out of pocket.

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Consult your agent if costs exceed your deductible slightly to avoid potential rate increases, especially if you’re on high-risk auto insurance. Some insurers offer smartphone apps to streamline the claims process, allowing you to document damage and initiate claims within the app. Enter your ZIP code now.

Choosing my Own Service Vendor for Windshield Replacement in CT

For cars equipped with ADAS safety features, insurance often mandates service from a dealer selling your car’s make due to required recalibration post-windshield replacement. Older cars offer more flexibility in choosing a service shop.

Progressive Site Screenshot: Best Windshield Replacement Coverage in Connecticut

Reasons to opt out of insurer recommendations include past experience, OEM part preference, or cost differences, which, if exceeding the insurer’s estimate, require out-of-pocket coverage under state law. If you decide to file a car insurance claim, consider your options carefully.

Full Glass Coverage in Connecticut

Understanding Connecticut law, replacement glass types, and deductible options empower you to right-size your insurance coverage, enhancing the benefits of auto insurance. Moreover, if you need to seek a windshield replacement in CT, your action plan is already in place. Make sure to tackle broken glass quickly to ensure safe driving. Enter your ZIP code now to start comparing.

Frequently Asked Questions

Does auto insurance in Connecticut cover windshield replacement?

Yes, auto insurance policies in Connecticut typically provide coverage for windshield replacement. However, the extent of coverage may vary depending on the specific policy and coverage options selected.

What type of coverage should I have to ensure windshield replacement is covered?

Comprehensive coverage is the primary type of insurance coverage that typically includes windshield replacement. It provides coverage for damage to your vehicle resulting from events other than a collision, such as vandalism, theft, falling objects, and certain weather-related incidents. Review your policy or contact your insurance provider to confirm whether you have comprehensive coverage. Enter your ZIP code now to begin.

Do I need to pay a deductible for windshield replacement in Connecticut?

In Connecticut, the deductible for windshield replacement may depend on your auto insurance policy. Some insurance companies offer separate deductible options for comprehensive coverage, which may be lower or even waived specifically for windshield repairs or replacements. It’s important to review your policy or contact your insurance provider to understand the deductible requirements. Liability auto insurance typically does not cover windshield repairs or replacements, as it only covers damages to other people and their property in the event you are at fault in an accident.

Are there any specific requirements or restrictions for windshield replacement coverage in Connecticut?

While coverage for windshield replacement is generally available, there may be certain requirements or restrictions. For example, the size and type of damage may determine whether repair or replacement is necessary. Additionally, some policies may require you to use approved or preferred repair facilities. It’s advisable to consult your insurance provider to understand any specific requirements or restrictions in your policy.

How do I file a windshield replacement claim in Connecticut?

To file a windshield replacement claim in Connecticut, follow these general steps:

  1. Contact your insurance provider. Notify your insurance company about the damage and inquire about the claims process.
  2. Provide necessary information. Be prepared to provide details about the damage, such as when and how it occurred.
  3. Schedule an inspection. The insurance company may require an inspection of the windshield damage to assess the need for repair or replacement.
  4. Choose a repair facility. If your policy has preferred repair facilities, select one that meets the requirements.
  5. Pay any applicable deductible. If your policy has a deductible, you’ll be responsible for paying that amount towards the repair or replacement costs.
  6. Follow the insurance company’s instructions. Adhere to any instructions provided by your insurance company, such as submitting documentation or completing required paperwork.

These are the specific steps in filing a windshield replacement claim in Connecticut. Enter your ZIP code now.

Will filing a windshield replacement claim affect my insurance rates in Connecticut?

In Connecticut, windshield replacement deductibles vary by policy. Liability insurance doesn’t cover windshields, and collision insurance only covers damage from collisions. Filing a claim usually doesn’t affect rates.

What s the starting monthly rate for windshield replacement coverage offered by Geico, Progressive, and State Farm in Connecticut?

The starting monthly rate for windshield replacement coverage offered by Geico, Progressive, and State Farm in Connecticut is $60.

Which insurance company offers a vanishing deductible program for safe drivers?

Farmers and Nationwide both offer a Vanishing Deductible program for safe drivers. Enter your ZIP code now to start comparing.

What type of coverage is typically required for windshield replacement in Connecticut?

Comprehensive coverage is typically required for windshield replacement in Connecticut. This type of coverage is one of the main types of auto insurance and covers damages not caused by a collision, such as theft, vandalism, or natural disasters.

How does Connecticut law impact insurance coverage for windshield replacements?

Connecticut law requires insurers to offer full glass coverage for windshield replacements, often with zero deductibles. This coverage is usually part of comprehensive insurance.

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<h3>Auto Insurance Discounts for Windshield Replacement Coverage in Connecticut</h3>