Colorado Windshield Replacement Law: What are the full glass coverage laws in Colorado?

There are no specific Colorado windshield replacement laws, but you may be covered for windshield repair or replacement by your collision or comprehensive coverage. Consider your deductible before filing a claim.

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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...

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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...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: May 21, 2022

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Things to remember...

  • There are no specific laws in Colorado when it comes to full glass replacement services
  • Some insurance companies may offer zero-deductible glass coverage but are not obligated to do so
  • Shop around to get the best coverage and consider whether you will accept aftermarket glass or OEM

Colorado has many challenging roads through mountainous areas, and weather conditions can be tough for drivers. When snow-melting grit covers these roads, it’s not unusual for passing vehicles to throw up stones, leading to a cracked or chipped windshield. 

If you have damage to your windshield, you may be wondering what to do next. In Colorado, is windshield replacement mandatory in this situation and will insurance cover it? 

We’ve done the research to help you answer that question.

Want to know what Colorado windshield replacement insurance rates look like? Enter your ZIP now to receive quotes for car insurance that includes comprehensive coverage to repair your windshield.

Can you get Colorado windshield insurance?

If you want full auto glass coverage in Colorado, you will need comprehensive and collision insurance coverage in your policy. 

Comprehensive coverage will typically include protection of your vehicle from the following:

  • Vandalism
  • Theft
  • Fire 
  • Collisions with an animal
  • Falling debris 

On the other hand, collision insurance will cover damage to your windshield that results from a crash with another vehicle or if you crash your car into a stationary object. 

Remember that there are many different insurance companies, and benefits can vary, so you should check carefully before buying a policy.

Check out this table to see what the average cost of comprehensive coverage is in each state.

Average Annual Comprehensive Auto Insurance Rates by State
StatesAverage Annual Comprehensive Auto Insurance
Rates
Oregon$89.66
Maine$96.66
California$99.29
Hawaii$100.09
New Hampshire$103.03
Washington$104.11
Utah$106.57
Florida$110.12
Idaho$110.78
Ohio$112.74
Delaware$113.23
Indiana$115.02
Nevada$116.79
Illinois$117.98
Vermont$118.31
Rhode Island$122.17
North Carolina$123.00
New Jersey$123.18
Connecticut$126.02
Wisconsin$126.34
Massachusetts$128.92
Virginia$129.89
Kentucky$130.15
Pennsylvania$132.01
Tennessee$135.62
Countrywide$138.87
Alaska$141.08
Alabama$146.28
Maryland$146.77
Michigan$147.02
Georgia$153.61
New York$156.66
Colorado$158.34
South Carolina$165.38
Missouri$166.34
New Mexico$166.89
Iowa$171.58
Minnesota$173.04
Arkansas$183.36
Arizona$184.20
Texas$186.70
Mississippi$194.74
West Virginia$195.04
Montana$199.87
Oklahoma$201.56
Nebraska$206.24
Louisiana$208.59
Wyoming$222.86
Kansas$225.34
North Dakota$227.64
South Dakota$228.59
District of Columbia$230.25
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As you can see, comprehensive coverage in Colorado is relatively affordable.

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What about the deductible?

When it comes to glass damage, it’s also important to consider whether you have to pay a deductible. Some insurance companies may offer a zero-deductible benefit, but Colorado doesn’t require it. 

Before you decide to file a claim, look closely at your deductible amount to see whether it makes sense. After all, some auto insurance deductibles can be $500 or more, and it may cost less than that to repair or replace your windshield.

What are the Colorado windshield replacement laws?

Colorado has no specific laws that say you cannot drive with a broken windshield. 

However, no driver can operate a vehicle if they have an obstructed view, which means that if a crack or chip is directly in front of your field of vision, you should take steps to replace the windshield. 

It’s also important to remember that small chips or cracks can sometimes quickly grow into much larger obstructions, especially when your vehicle encounters those ever-present potholes.

What about aftermarket glass?

If you need a windshield replacement, there are no legal restrictions that state that glass replacement companies cannot use aftermarket or used glass. 

Because of this, the decision on which kind of glass to use to replace your old one may be up to your insurance company, not you. And some companies insist that you follow specific procedures when you make a claim. 

If you do not want aftermarket glass, you will need to be sure you can always get the original equipment manufacturer’s (OEM) glass with your insurance company. You can confirm this is an option with your insurance agent when reviewing your policy.  

An insurance company doesn’t have to explicitly state that it only pays for aftermarket glass, so you should ask the question or pick a company that gives you the answer upfront.

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What the Full Glass Coverage Laws in Colorado Mean for You

In Colorado, there’s no specific windshield replacement law, but federal rules make it clear you should replace your windshield if your view is obstructed. 

To make sure you can do this easily, you can get coverage for a broken windshield if you carry comprehensive or collision insurance. Your claim will depend on the circumstances and whether the damage was due to a collision with another vehicle or not. 

Before you choose auto coverage for windshield damage in Colorado, consider your deductible to make sure you can afford any out-of-pocket costs. Be sure to ask your agent whether your insurance company intends to use aftermarket glass for windshield replacements, too, so you can decide if the coverage is right for you. 

Each insurance company has its own rules and policies about windshield repair and replacement. For instance, Progressive rock chip repair is available to policyholders without paying a deductible as long as the crack is less than six inches long.

Ready to buy Colorado windshield replacement insurance? Find the best coverage at the best rate right here. Enter your ZIP to compare Colorado windshield replacement insurance quotes.

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