AZ Windshield Insurance: What are the no-deductible glass coverage laws in Arizona?

No-deductible glass coverage laws in Arizona state that you cannot drive a vehicle with a cracked windshield that restricts your vision. A windshield must be free of damage in an area above the steering wheel and out to 1 inch from each edge. That's why it's best to be prepared with AZ windshield insurance.

Free Auto Insurance Comparison

secured lock Secured with SHA-256 Encryption

Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

Full Bio →

Written by Rachel Bodine
Feature Writer Rachel Bodine

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: May 26, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

What You Need to Know:

  • The Arizona windshield replacement law allows insurance providers to offer a zero deductible option to clients
  • If you’re properly insured, you can choose which company to use for repair work
  • Providers can offer aftermarket or original equipment parts before performing the work

If you have a cracked or chipped windshield, you may be legally required to replace it — leaving you concerned about the cost. You may worry that your deductible will kick in if you file an insurance claim. 

The specifics about windshield coverage vary by state, so it ultimately depends on where you live. If you live in Arizona, windshield insurance may be built into your policy. Let’s take a look at the no-deductible glass coverage law in Arizona and find out more about AZ windshield insurance.

Why do you need windshield insurance 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.

Learn more about Progressive windshield replacement.

Free Auto Insurance Comparison

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

secured lock Secured with SHA-256 Encryption

What does the law say about driving with a cracked windshield?

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.

Arizona Windshield Replacement Law
STATEREPLACEMENTREPAIRZERO DEDUCTIBLE WITH COMPREHENSIVE COVERAGE
ArizonaAftermarket parts allowed with written notice and at least equal in terms of fit, quality, performance, and warrantyConsumer has right to choose repair vendorYes - optional
Get Your Rates Quote Now

Compare RatesStart Now →

What types of insurance coverage cover windshield replacement?

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. Glass coverage is not usually included in liability or collision policies.

The Arizona Free Windshield Replacement Law

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. 

Free Auto Insurance Comparison

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

secured lock Secured with SHA-256 Encryption

Should you use aftermarket or original equipment?

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).

The repair company does need to disclose the origin of the parts and tell you whether they are using aftermarket glass. It must be of similar quality to the original and have a similar warranty, so you shouldn’t notice any difference in the functionality or quality of the replacement, regardless of its origin.

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 important, you won’t need to worry about paying the difference between their preferred vendor and yours.

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.

Understand How Arizona Auto Glass Insurance Laws Affect You

Arizona does not have any 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.

Free Auto Insurance Comparison

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

secured lock Secured with SHA-256 Encryption