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

Best HI Glass Policy: State Farm

17,754 reviews

2.0

Company Facts

Full Coverage Windshield Replacement in Hawaii

$175/mo

A.M. Best Rating

B

Complaint Level

Low

Pros & Cons

• One of the largest insurance companies in the US
• High levels of customer satisfaction
• Affordable rates for people with a speeding ticket or an accident on their record
• Wide variety of discounts available
• Rideshare insurance

• High rates for drivers with poor credit scores
• No gap coverage
• Options like new vehicle replacement, vanishing deductibles, and accident forgiveness are not available

» State Farm Auto Insurance Review

17,754 reviews

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Best HI Glass Agents: AAA

2,934 reviews

4.1

Company Facts

Full Coverage Windshield Replacement in Hawaii

$155/mo

A.M. Best Rating

A+ (Superior)

Complaint Level

Med

Pros & Cons

• Multiple discounts available for members
• Bundling options
• AAA member perks
• Superior financial strength rating
• Roadside assistance coverage included
• Coverage options for liability, collision, and comprehensive insurance

• Expensive rates
• Below-average scores for customer service and the handling of claims
• Not available in all states or areas
• AAA membership required for purchasing car insurance

» AAA Auto Insurance Review

2,934 reviews

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Best HI Glass Rates: Farmers

2,903 reviews

4.0

Company Facts

Full Coverage Windshield Replacement in Hawaii

$177/mo

A.M. Best Rating

A

Complaint Level

Low

Pros & Cons

• Extensive coverage and discount options
• High customer service ratings
• Offers Signal, a usage-based insurance discount

• Not available in every state
• Rates are higher than average

» Farmers Auto Insurance Review

2,903 reviews

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State Farm, AAA, and Farmers have the best windshield replacement coverage in Hawaii, especially if you need cheap insurance.

State Farm takes our top spot for the best auto glass coverage in Hawaii because it offers a zero-deductible option for windshield replacement. It also offers other Hawaii auto insurance options to meet the needs of every driver on the island.

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

Company	Rank	Multi-Vehicle Discount	A.M. Best	Best For	Jump to Pros/Cons
	#1	15%	B	Customer Service	State Farm
	#2	12%	A	Local Agents	AAA
	#3	10%	A	Safe Drivers	Farmers
	#4	15%	A+	Add-on Coverages	Allstate
	#5	20%	A+	Safe-Driving Discounts	Progressive
	#6	18%	A++	Affordable Rates	Geico
	#7	15%	A++	Military Savings	USAA
	#8	13%	A	Add-on Coverages	Liberty Mutual
	#9	18%	A	Discount Availability	American Family
	#10	17%	A+	Accident Forgiveness	The General

Read on to learn more about the best windshield replacement coverage in Hawaii. Then, enter your ZIP code into our free comparison tool above to find the perfect coverage for you.

#1 – State Farm: Top Overall Pick

Pros

• Large Network of Glass Repair Shops: State Farm makes it easy to get your windshield replaced with its extensive network of repair shops.
• Full Glass Coverage: Get State Farm insurance with windshield replacement with a zero-dollar deductible by signing up for full glass coverage.
• Quick Claims: Most customers agree that State Farm resolves auto and glass claims quickly, meaning you’ll be back on the road quickly. Learn more about the State Farm claims process in our State Farm auto insurance review.

Cons

• Limited Add-ons: Despite being the largest insurance provider in the country, State Farm lacks many of the insurance options its competitors have. Notably missing is accident forgiveness.
• High Rates for Some: State Farm is usually an affordable option for auto glass insurance coverage, but drivers with bad credit scores will probably find lower rates elsewhere.

#2 – AAA: Best for Roadside Assistance

Pros

• Roadside Assistance Plans: AAA offers three roadside assistance plans that offer varying levels of coverage. Find which plan would be best for you in our AAA auto insurance review.
• Membership Perks: AAA members get perks beyond affordable coverage and excellent roadside assistance, like special deals on travel and shopping.
• Windshield Reimbursement: AAA does not offer full glass coverage, but members on the Premier level can get a small portion of their windshield replacement in Hawaii reimbursed.

Cons

• Membership Fees: You have to purchase a membership before you can buy AAA auto insurance. Annual membership fees are usually low, but they add to the overall price of your insurance.
• Higher Average Rates: Average AAA auto insurance rates tend to be a bit over the national average for most drivers.

#3 – Farmers: Best Selection of Car Insurance Discounts

Pros

• Ample Discounts: Farmers offers 23 discounts to help you find the cheapest auto glass insurance coverage possible. See how much you can save in our Farmers auto insurance review.
• Glass Deductible Buy Back: Purchase this coverage and your cost to replace a windshield with insurance is capped at $100.
• OEM Glass Repair: Add OEM parts to your coverage and Farmers guarantees only OEM windshields will be used to replace yours.

Cons

• Lacking Coverage Options: You can get solid coverage from Farmers, but it’s missing popular add-ons like a vanishing deductible or gap insurance.
• Premiums can be high. Average rates at Farmers tend to be higher than the national average, though some drivers can find affordable rates here.

#4 – Allstate: Best for UBI Savings

Pros

• UBI Programs: Allstate offers two usage-based insurance (UBI) programs to help drivers save. The first is a pay-per-mile option called Milewise. The other – Drivewise – offers savings of up to 40% for enrolling.
• Full Coverage Options: Allstate offers plenty of ways to customize your coverage, including options like extended vehicle car and roadside assistance.
• ADAS Recalibration Coverage: When you purchase full glass coverage from Allstate, advanced driver assistance systems (ADAS) recalibration is automatically included.

Cons

• High Rates: No matter what you have in your driving record, Allstate is usually one of the most expensive options for car insurance on the market.
• Mixed Reviews: Allstate’s customer reviews are mixed, with some drivers complaining about unsatisfactory claims resolutions. See what customers have to say in our Allstate auto insurance review.

#5 – Progressive: Best for Innovative Digital Tools

Pros

• Digital Tools: Progressive provides a more modern insurance experience with its digital tools. Explore Progressive’s innovative tolls in our review of Progressive auto insurance.
• Snapshot: Enrolling in Snapshot and consistently practicing safe driving habits can earn you a discount of up to 30%. However, Snapshot can increase your rates, so you should only enroll if you’re a safe driver.
• Loyalty Discounts: Progressive offers 13 discounts to help drivers, including automatic savings for being a loyal customer for at least a year.

Cons

• No Glass Coverage: Progressive doesn’t offer specific car glass repair in HI. Instead, your comprehensive insurance will cover damaged or cracked windshield repairs after you pay your deductible.
• Limited Glass Repair Shops: If you want to use your Progressive insurance for a windshield repair, you won’t have too many choices on where to take your car because Progressive’s network of repair shops is small.

#6 – Geico: Best for Affordable Rates for All Drivers

Pros

• DriveEasy: Geico already offers affordable rates, but you can save even more by enrolling in the UBI program, DriveEasy. See how much you might save with DriveEasy in our Geico auto insurance review.
• Government Employee Discount: Among its 16 discounts is the Geico government employee discount. You might be eligible for this discount if you work in the federal or local government.
• Mechanical Breakdown Coverage: Geico offers a few great options to increase the coverage in your policy, including mechanical breakdown coverage, which acts similarly to a car warranty.

Cons

• Limited Coverage Options: Despite having some good options, many customers are unimpressed with Geico’s selection of add-ons. For example, Geico does not offer auto insurance with windshield replacement.
• Higher Rates for DUIs: Geico is usually an affordable option, but you’ll probably find lower insurance quotes at another company if you have a DUI on your record.

#7 – USAA: Best for Military Members

Pros

• Excellent Coverage Options: USAA offers valuable add-ons for your policy, like roadside assistance and accident forgiveness. However, it does not offer full glass coverage.
• Superb Customer Service: With a reputation for superb customer service, USAA promises an excellent experience to each of its customers.
• Low Rates: USAA is almost always the cheapest insurance option for all demographics. Learn how USAA keeps rates so low in our USAA auto insurance review.

Cons

• Membership Requirements: To purchase USAA car insurance, you need to be a member. Only active or retired military members and their families are eligible for membership.
• No Gap Insurance: USAA can meet most insurance needs, but it does not sell gap insurance for new cars or free windshield replacements.

#8 – Liberty Mutual: Best for Policy Customization

Pros

• Add-on Options: Liberty Mutual offers a diverse selection of coverage options, including original parts replacement and better replacement car replacement coverage. However, Liberty Mutual does not have a full glass coverage option.
• RightTrack: You can lower your insurance bill by up to 30% by enrolling in Liberty Mutual’s UBI program, RightTrack. See if RightTrack is right for you in our Liberty Mutual auto insurance review.
• Generous Discounts: Liberty Mutual offers an impressive 17 discounts to help drivers save. Popular discounts include savings for being accident-free, traffic violation-free, and driving a hybrid or electric vehicle.

Cons

• Below Average Claims Satisfaction: It may be one of the top choices for car glass windshield replacement, but Liberty Mutual doesn’t always leave customers satisfied after making a claim.
• Some drivers pay higher rates. While some drivers get low quotes from Liberty Mutual, the majority pay at least slightly higher than average prices.

#9 – American Family: Best for OEM Windshield Repairs

Pros

• OEM Glass Coverage: If you need more than Hawaiian windshield repair, American Family offers an OEM guarantee for your glass.
• Costco Coverage: Costco offers low-cost car insurance to its members, which is underwritten by American Family in most states. Read more about American Family and Costco policies in our American Family auto insurance review.
• Low Rates: It may not be the cheapest option for coverage, but American Family is typically an affordable choice for most drivers.

Cons

• Limited Availability: American Family sells insurance in just 19 states, which does not include Hawaii. However, residents of the Aloha State can purchase coverage through American Family’s subsidiary, CONNECT.
• Weak Digital Tools: American Family does not have the most advanced digital tools for policy management.

#10 – The General: Best for High-Risk Drivers

Pros

• High-Risk Coverage: The General specializes in high-risk auto insurance and covers drivers that standard companies might not. Learn more about high-risk coverage in our review of The General auto insurance.
• SR-22 Insurance: If you need to file SR-22 forms to continue driving legally in Hawaii, The General will file it for you.
• Solid Online Tools: The General offers an excellent mobile app and website where you can file claims, manage your policy, and make payments.

Cons

• Higher Rates: Since The General insures high-risk drivers, its rates tend to be higher than the national average to make up for more claims.
• Larger Deductibles: Due to the nature of its customer base, The General usually requires drivers to pay higher deductibles.

Hawaii Windshield Coverage Rates

Despite everything seeming to come at a higher price on the islands, car insurance rates aren’t usually too expensive. Check below to see how much you might pay for your insurance from our top companies.

Windshields can be expensive to replace, so many drivers benefit from purchasing affordable auto insurance that covers windshield replacements.

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

Despite Hawaii being an affordable place for insurance, it can still be expensive. However, there are plenty of ways to save on your insurance, like learning how to evaluate auto insurance quotes and finding discounts.

How to Save on Windshield Replacement Coverage in Arizona

Car insurance can be expensive, but there are plenty of ways to save. For starters, you should look for as many auto insurance discounts as possible. Check below to see some of the discounts you might qualify for at our top companies.

Other ways to save include:

• Lowering your level of coverage
• Choosing a higher deductible
• Enrolling in a UBI program
• Keeping your driving record clean
• Improving your credit score

Of course, the most important step in finding low rates is to compare quotes. You can find quote request forms on most company websites, and you only need a few basic pieces of information to get started.

If you don’t want to spend the time to look at individual quotes, you can always use an online quote comparison tool to get multiple auto insurance quotes at once.

Hawaii Windshield Laws

Hawaii is the smallest state in the country, and it is comprised of several islands. However, to see all of the gorgeous sights on each tropical island, you may have plans to drive many miles along the beaches, through the tropical rainforest, and more. While your adventures and sightseeing plans may be enjoyable without a hitch in many cases, some drivers must deal with the unfortunate issue of a damaged windshield from time to time.

Through the windshield’s primary function of blocking flying objects from hitting you or other people in the vehicle, the windshield itself may crack or even entirely shatter. Even a small crack on your windshield is a serious issue that must be dealt with immediately. Any type of damage on your windshield could potentially result in:

• An increased risk for personal injury for all of the vehicle’s occupants
• A reduction in your visibility as you drive throughout the state.
• A reduction in the integrity of the window

The good news is that some drivers in Hawaii may have full glass replacement coverage on their auto policy, and this coverage may even be associated with a zero-deductible benefit.

Because coverage types, limits, and deductibles can vary from policy to policy, drivers in Hawaii should analyze their existing terms of coverage carefully.

In addition, you should be aware of the state’s laws regarding windshield replacements and the role that an auto insurance company may play if you choose to file a windshield insurance claim.

Deductible for Full Glass Auto Insurance Claim in Hawaii

Most auto insurance policies require drivers to pay an auto insurance deductible each time a claim is filed. You can usually select your deductible amount at the time you file a claim, and the deductible often ranges between $250 and $1,000.

Hawaii state law does not have a firm requirement for auto insurance companies to adopt a zero-deductible policy for full glass replacement work, but some providers offer this benefit to account holders.

Many other providers may have a low-deductible amount specifically for full glass replacement claims, such as a $50 deductible. When these two options are not included in the terms of your Hawaii auto insurance company, you must pay the full amount of your deductible on your own before the insurance company will pay any benefits.

Comprehensive Auto Insurance

When you research the terms of your current auto insurance policy, you should verify that your coverage includes full glass replacement.

This is most commonly included in comprehensive auto insurance coverage, and this is because comprehensive insurance pays for vehicle repair work for many types of damaging events. However, do not assume that you have full glass coverage simply because you have comprehensive insurance.

Coverage terms and limits can vary substantially from policy to policy, and some drivers who have comprehensive car insurance do not have any benefits for full glass replacement.

The cost of your glass replacement service should be analyzed in comparison to the terms of your coverage and your deductible amount.

You may find that many of the quotes that you receive for glass replacement in Hawaii actually are less than your deductible amount. If this is the case, you will have to pay the full amount of the replacement service regardless of whether you file a claim or not.

Some Hawaii drivers who experience a damaged windshield may determine that their current coverage is not ideal for full glass replacement services.

If you are in this situation, it may be advantageous to analyze a few quotes for coverage today. Remember that your windshield may break again at any time, and you need to be properly prepared with more comprehensive and beneficial coverage.

The Legal Right to Choose Your Hawaii Glass Replacement Services

Some states have rules about whether or not a glass replacement business can use aftermarket or used glass for a replacement project or whether new glass needs to be used. Because Hawaii does not have this type of auto insurance law, insurance companies may adopt their own requirements that may be listed in your policy terms. In addition, glass service providers may use any materials at their own discretion.

If you prefer that a specific type of glass be used for your windshield replacement project, you need to inquire with your insurance company or glass replacement company in Hawaii for more information and to make a specific request.

Many Hawaii drivers do not want to trust just any glass service provider to work on their car. Hawaii is one of many states that do not have a law mandating who selects your provider if you file a claim.

Some auto insurance companies in Hawaii may require you to use their choice of provider, and others may allow you to select your provider of choice.

If you are given the option to select your own provider, look for a reputable provider that offers quality materials at a great price.

Find the Best Windshield Replacement Coverage in Hawaii

Your current auto insurance policy terms will play a substantial role in how you proceed with a glass replacement service now, but you can adjust your terms or coverage for greater benefits the next time your windshield is cracked or otherwise damaged. The types of auto insurance you purchase will decide how you get your windshield fixed.

For example, you can easily shop around for a few Hawaii auto coverage providers to find one that offers zero-deductible coverage for full glass replacement or car glass chip repair in HI. Enter your ZIP code into our free comparison tool below to get started.