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

Geico, State Farm, and Progressive have the best windshield coverage in Virginia, with rates starting as low as $70 per month for minimum insurance.

Geico is our top pick for glass coverage because it offers affordable rates and free windshield repairs. If you want zero-deductible windshield replacement, you should consider State Farm.

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

Read on to find the best Virginia auto insurance with glass coverage, whether you want a basic comprehensive plan or full glass coverage. Then, enter your ZIP code into our free comparison tool above to find the cheapest rates.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

#1 – Geico: Top Pick Overall

Pros

• Excellent Discounts: With 16 discounts to choose from, Geico makes it easy to get car insurance quotes that don’t break the bank.
• DriveEasy: Geico drivers can add savings of up to 30% by signing up for the DriveEasy UBI program.
• Affordability: Geico is one of the most affordable windshield insurance options in New York, no matter what type of driver you are. See how much you might pay for Geico glass coverage in our Geico auto insurance review.

Cons

• Limited Coverage Options: As one of the most recognizable names in the insurance industry, many drivers are surprised to learn that Geico only offers a small selection of add-ons.
• Claims Complaints: Geico is the best choice for windshield replacement through insurance in Virginia, but it receives a higher number of complaints about its claims process than expected.

#2 – State Farm: Best for Full Glass Coverage

Pros

• Full Glass Coverage: If you’re wondering how to get your windshield replaced for free, State Farm’s full glass coverage is right for you.
• Drive Safe & Save: State Farm offers a maximum discount of 30% for its UBI program Drive Safe & Save, but not everyone is eligible to join. State Farm does not offer Drive Safe & Save in every state.
• Personalized Help: State Farm has a huge network of local agents, making it easy to get help from a real person whenever you need it.

Cons

• Limited Add-ons: While State Farm has some good policy customization options, it lacks a few popular choices, like gap insurance. Explore all your add-on options in our State Farm auto insurance review.
• Higher Rates for Some: Most drivers can find affordable windshield repair insurance with State Farm, but teen drivers are likely to pay much higher rates than the national average.

#3 – Progressive: Best for Online Policy Management

Pros

• Name Your Price Tool: Name Your Price is one of Progressive’s innovative online tools to help drivers get the best coverage. Simply enter your monthly insurance budget, and Progressive will give you a list of options that match.
• Snapshot: Progressive offers savings of up to 30% to drivers who sign up for its UBI program, Snapshot. See if Snapshot is right for you in our Progressive auto insurance review.
• Coverage Options: Progressive offers great coverage options beyond comprehensive for Virginia windshield replacements, including add-ons like rental car reimbursement and loan/lease payoff.

Cons

• Lacking Full Glass Coverage: You can get windshield replacement in Virginia with Progressive, but you’ll have to pay a glass deductible.
• Customer Loyalty: Despite efforts to improve its service, Progressive struggles with its customer loyalty ratings.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

#4 – Allstate: Best UBI Savings

Pros

• Extensive Network of Agents: Allstate maintains a huge network of insurance agents to make finding help from a real person easy. Learn how to contact Allstate agents in our Allstate auto insurance review.
• Drivewise: Allstate offers an impressive 40% maximum discount with Drivewise. If you’re a low-mileage driver, Allstate also offers a pay-per-mile program called Milewise.
• ADAS Recalibration Coverage: Along with free windshield replacement through its full glass coverage, Allstate covers ADAS recalibration for windshields with cameras. That means you can get your windshield recalibrated without having to pay an Allstate windshield replacement deductible.

Cons

• Higher Rates: No matter what type of driver you are or what Virginian city you live in, Allstate is almost always one of the most expensive insurance options.
• Mixed Reviews: Some customers love their Allstate experience, but the company has a number of unsatisfied drivers as well.

#5 – Nationwide: Best for Vanishing Deductibles

Pros

• Affordable for Drivers With Bad Credit: Most companies charge high rates when you have a low credit score, but Nationwide is usually an affordable option.
• SmartRide: Nationwide has one of the best UBI savings on the market, offering an impressive 40% discount to safe drivers. Learn more about SmartRide in our Nationwide auto insurance review.
• Vanishing Deductible: Sign up for this program to save $100 on your deductible for every year you spend claims-free, up to $500.

Cons

• Unsatisfied Customers: Nationwide has a number of customers who are unsatisfied with the company’s customer service.
• Slow Claims: Another common complaint against Nationwide is its slow claims process.

#6 – Farmers: Best Selection of Car Insurance Discounts

Pros

• Generous Discounts: Farmers offers a whopping 23 discounts to help drivers find cheap windshield coverage in Virginia. Check how many discounts you qualify for in our Farmers auto insurance review.
• Signal: Download the Signal app to reduce your rates by up to 30%. Signal is Farmers’ UBI program that rewards drivers who avoid speeding, hard braking, and driving late at night.
• Original Parts Glass Coverage: Get the very best insurance for windshield replacements with Farmers’ OEM glass coverage.

Cons

• No Gap Insurance: Farmers has a great auto glass insurance option, but it lacks other popular coverage options like gap insurance.
• Higher Average Rates: Despite having one of the longest lists of discounts on the market, Farmers rates are usually higher than the national average.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

#7 – Liberty Mutual: Best for Policy Customization

Pros

• RightTrack: Liberty Mutual offers savings of up to 30% to drivers who consistently drive safely with its UBI program RightTrack.
• Valuable Coverage Options: Liberty Mutual offers a variety of ways to customize your policy, including a lifetime repair guarantee and deductible fund.
• Solid Discounts: Find the lowest car insurance that covers windshield replacement by taking advantage of Liberty Mutual’s 17 discounts.

Cons

• Limited Online Information: Most drivers today want easy access to insurance information before they buy a policy, but Liberty Mutual’s website does not have the most details on it.
• High Number of Complaints: Liberty Mutual receives more complaints than expected for a company of its size. See what customers have to see in our Liberty Mutual auto insurance review.

#8 – American Family: Best for OEM Glass Replacement

Pros

• KnowYourDrive: Save up to 20% on your American Family car insurance policy by enrolling in KnowYourDrive and staying safe behind the wheel.
• OEM Glass Repairs: American Family gives drivers the option of guaranteed OEM parts for any repair done to their vehicle, including glass work.
• Low Rates: Most Virginia drivers will find competitive rates with American Family, but that’s particularly true for high-risk drivers. See if you might find your cheapest insurance here in our American Family auto insurance review.

Cons

• Weak Digital Tools: American Family does not offer the robust digital tools that some of its more tech-oriented competitors have.
• Older Drivers Pay More: While American Family is usually an affordable insurance option, older drivers might find cheaper car insurance with windshield replacement at another company.

#9 – Travelers: Best for Customer Service

Pros

• IntelliDrive: Travelers gives drivers up to 30% off when they sign up for IntelliDrive. To get the maximum discount, drivers need to consistently practice safe driving habits.
• Customer Service Ratings: As far as customers are concerned, Travelers has an excellent customer service experience. See other customer ratings in our Travelers auto insurance review.
• Responsible Driver Plan: You may not be able to get your windshield replacement for free at Travelers, but you can bundle accident and traffic violation forgiveness in your policy.

Cons

• Limited Digital Tools: Like many other traditional insurance sellers, Travelers does not have the most innovative digital tools to manage your policy.
• High Rates for Low Credit Scores: If you have a low credit score, you’ll probably find cheaper coverage somewhere else.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

#10 – AAA: Best for Roadside Assistance Coverage

Pros

• AAADrive: AAA offers more than roadside assistance to keep you safe on the road. Enroll in AAADrive to save up to 30% on your insurance and be rewarded for your safe driving.
• Roadside Assistance: AAA has three roadside assistance plans, so you can pick the perfect level of emergency help that also fits your budget.
• Windshield Repair Reimbursement: AAA offers excellent windshield repair insurance – you can skip the deductible whenever your windshield can be repaired instead of replaced.

Cons

• AAADrive and Fatigue: AAADrive is one of the few UBI programs that tracks how long you drive without taking a break. People who drive for a living may want to consider a different UBI program.
• Annual Fees: AAA’s annual fees are usually affordable, but they add to the overall cost of your insurance. See how much AAA membership might cost you in our AAA auto insurance review.

Windshield Replacement Coverage Rates in Virginia

Virginia windshield replacement laws don’t require insurance companies to offer zero-deductible glass coverage. Virginia is also one of the only states in the country that doesn’t require drivers to carry insurance. For that reason, rates are generally affordable in Virginia.

Check below to see how much you might pay for insurance from our top companies.

Virginia Windshield Replacement Coverage Monthly Rates by Coverage Level & Provider

Windshield replacement can be expensive, especially if you have a newer vehicle with sensitive equipment in your glass.

A standard windshield costs around $650 to replace. On a car with a camera sensor behind the glass, it can be nearly 3 X’s more https://t.co/NVyXujq0pF pic.twitter.com/LNgCpi5coB

— AAA (@AAAnews) October 25, 2018

Luckily, there are plenty of ways to save on your insurance. For starters, you should take advantage of as many auto insurance discounts as possible. Check below to see which discounts are available from our top companies.

Other ways to keep your insurance rates low include lowering your coverage limits, raising your deductible, and keeping your driving record clean. Comparing quotes from multiple companies is the most important way to find low rates. Most insurance companies make it easy to get an online quote straight from their websites.

If you don’t want to take the time to get individual quotes, you can use a quote comparison tool to look at multiple rates at once.

Virginia’s Full Glass Coverage Laws

Virginia does not require insurance companies to include glass coverage in comprehensive insurance policies. Furthermore, Virginia does not require its residents to file a comprehensive claim for car insurance. Those who follow the state minimum requirements for auto insurance in Virginia probably do not have full glass coverage.

The state also does not require companies to offer separate policies (often called riders) for windshield repair or replacement. Instead, auto insurance companies have the right to design plans and decide what types of glass coverage to offer.

Regardless of what your insurance company’s policies are, you can face penalties if you don’t take care of cracked or shattered windshields. Under Article 6 of the Code of Virginia, you can’t be on the road in this state when your windshield has a crack that’s wider than half an inch and more than three inches from your dashboard. You also can’t drive with scratches that are longer than six inches.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Zero-Deductible Laws for Full Glass Coverage

Three states have laws that provide residents with windshield replacements free of charge:

• Florida
• Kentucky
• South Carolina
• Arizona

Even more states run windshield repair services as an alternative to private companies’ policies. Utah, Minnesota, and Maine are among these states, most of which only charge for repairs if the repairs cost more than drivers’ insurance deductibles.

Unlike these states, Virginia does not assist with windshield repairs as an alternative to insurance. As a result, if you do not want to repair or replace your windshield out of pocket, you’ll need to buy the right types of auto insurance coverage.

Laws for Windshield Replacement Service Choice

Under Article 6 of the Code of Virginia, you do not have to file claims if your windshield cracks or shatters. As long as you can afford the legally-mandated repairs, you do not have to report the incident to your insurance company. This option is often more expensive than paying a deductible for windshield repairs, but it means that you get to choose your repair services.

On the other hand, if you do file a car insurance claim for full glass coverage, your insurance company has the right to select a repair provider. Most insurance companies take the following considerations into account when choosing a windshield repair service:

• Cost: How much will the company pay beyond your deductible?
• Location: How long will it take the repair service to get to your house or garage?
• Schedule: How full is the repair service’s current client schedule?
• Reputation: What level of quality has the service offered in the past?

If you do not like the repair service that your insurance company chooses, Virginia does not give you the right to insist on a different provider.

Full Glass Coverage Laws for Aftermarket or Used Parts

Like most states, Virginia auto insurance laws allow companies to pick used or aftermarket windshields. This law allows both insurance companies like USAA and consumers to save money and encourages people to generate less waste. This way, USAA glass coverage insurance can spend less on windshield replacement.

Under the Code of Virginia, an insurance company must notify you if it provides windshields from any businesses besides original equipment manufacturers.

For example, suppose you own a Honda Civic. If your insurance company wants to use a windshield from AP Tech, Carlite, or Mopar, the company must send you the windshield’s specifications in writing before beginning the installation process.

Furthermore, Virginia mandates that all used or aftermarket windshields meet the same quality requirements as new ones. This includes the thickness of the glass, its tint, and the point to which it is shatterproof.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

How Car Owners Can Navigate Virginia’s Laws for Full Glass Coverage

At first, it may seem like all of Virginia’s glass coverage laws favor insurance companies, rather than consumers. If you choose your car insurance carefully, though, you can make these laws work for you.

Virginia does not have any laws requiring car owners to stay with their auto insurance companies for a certain amount of time. As a result, if you are unhappy with your company’s glass coverage policies, you can try to renegotiate your contract or get multiple auto insurance quotes to find better coverage.

Find the Best Windshield Replacement Coverage in Virginia Today

Virginia has far fewer full glass coverage laws than states like Florida and South Carolina. Insurance companies have a lot of freedom in choosing repair providers and windshield models. Still, you must be informed of your insurance company’s decisions before repairs take place.

Shopping at the cheapest auto insurance companies can help you find the right coverage. You should compare as many quotes as possible to find the best priced insurance that meets your glass needs. Enter your ZIP code into our free comparison tool below to get started.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption