Does Progressive Auto Insurance Cover Windshield Replacement?

You may be here because you are probably wondering, “Does Progressive auto insurance cover windshield replacement?”

Worry not, we are going to help you answer that question.

Frequent driving can often damage your windshield. Nonetheless, don’t worry, as Progressive will cover the expense of a new or fixed windshield so you can drive again quickly.

Find out more about Progressive’s options for windshield replacement and how much coverage you need in case of a broken windshield.

Read on to learn more!

An image illustrating does progressive auto insurance cover windshield replacement
A car with a shattered windshield.
Photo Credit: allaboutcareers

Does Progressive Auto Insurance cover windshield replacement?

Yes, Progressive auto insurance typically covers windshield replacement if you have comprehensive coverage on your car insurance policy.

Comprehensive coverage is optional, but it protects you from damage caused by events other than collisions, such as vandalism, theft, fire, or glass breakage.

However, depending on your state and policy, you may have to pay a deductible for windshield replacement.

Some states, such as Florida and South Carolina, offer free glass services for comprehensive policyholders.

Additionally, it’s essential to review your policy details and understand any deductibles or specific conditions that may apply.

Which Progressive auto insurance coverage provides windshield replacement?

While liability coverage, mandated in most states, focuses on property damage and bodily injury, it doesn’t protect you or your vehicle.

If your car gets damaged in a crash, collision coverage will pay for it. This includes a cracked windshield or shattered windows from hitting another car or something else like a fence or a tree.

If something other than a crash damages your car, comprehensive coverage will pay for it. This includes fire, theft, vandalism, falling objects like a branch, or natural disasters like floods, hail, and tornados.

In summary, if a collision causes windshield damage, collision coverage will cover it. Nevertheless, if hail cracks your windshield, comprehensive coverage will cover it.

On the other hand, Full coverage insurance includes liability, collision, and comprehensive.

This coverage protects both you and your car and other people.

Even though liability coverage is the only one required by most states, full coverage is better for more protection, according to experts.

Average Progressive Auto Insurance Rates Based on Coverage Types

The table below displays the average rates of Progressive auto insurance based on the type of coverage.

It’s important to note that Full coverage provides more benefits, though it costs more.

Type of Coverage Annual Rates Monthly Rates
Low Coverage $3,737.13 $311.43
Medium Coverage $4,018.46 $334.87
High Coverage $4,350.96 $362.58

Liability coverage is about $50 a month cheaper than full coverage car insurance from Progressive.

However, full coverage covers the damage to your car from crashes, vandalism, natural events, and more.

At what point should I use Progressive insurance for windshield replacement?

Usually, you can submit a glass claim when the damage cost surpasses your deductible.

For instance, if your collision or comprehensive insurance deductibles are $100, but the windshield replacement cost is $800, it’s advisable to proceed with filing a claim.

However, if your deductible is $500 and the expenses for windshield replacement are only $400, it’s not advisable to file a claim.

Moreover, depending on your location, laws may exist that completely eliminate the deductible for windshield replacement.

For instance, in states like Florida, Kentucky, and South Carolina, the deductible for glass claims is legally waived.

Likewise, Progressive provides a vanishing deductible option in specific states, offering a $0 deductible for glass-only replacement claims.

For a nominal additional fee, Progressive lowers your deductible by $50 for every 6-month period without an accident or claim.

How do I file a Progressive windshield claim?

To initiate a Progressive claim, access your account online, use the Progressive app, or call 1-800-776-4737.

Progressive typically resolves most glass claims within 48 hours.

While Progressive recommends Safelite for windshield services, policyholders have the flexibility to choose any glass repair service.

Technicians typically complete windshield repairs in about 30 minutes, and they can perform them at your home or workplace.

However, windshield replacement requires a visit to a repair facility.

It is crucial to swiftly file your claim to prevent further deterioration of windshield damage. A timely response is essential, as a crack in the windshield increases the risk of more extensive breaks.

This not only may lead to windshield replacement instead of repairs but also compromises your safety in an accident.

In cases of significant windshield damage, park your vehicle in a covered area, such as a garage, and use a tarp or plastic to shield the interior until repairs are completed.

Keep in mind that filing a car insurance claim could potentially result in an increase in your insurance rates.

Please verify with Progressive to determine if and how your rates might change.

State laws on windshield repairs and replacement?

State regulations highly influence the costs of windshield repairs and replacements.

According to information from Car Wind shields, each state has windshield and window repair and replacement laws.

For instance, Florida, Kentucky, and South Carolina mandate car insurance providers to cover the costs of windshield replacement and repairs at no charge.

Additionally, in Florida and South Carolina, insurance companies are obligated to repair or replace all windows, not just the windshield.

Moreover, in Arizona, Connecticut, Massachusetts, Minnesota, and New York, insurance companies are required to provide glass coverage with a $0 deductible.

In contrast, drivers in other states typically bear the cost of their deductibles for windshield replacement with Progressive.

However, usually, there is no charge for windshield repairs.


In summary, Progressive auto insurance covers windshield replacement if you have comprehensive coverage.

However, depending on your state and policy, you may or may not pay a deductible for windshield replacement.

Moreover, Progressive also covers windshield repairs for free, regardless of your deductible.

Typically, you can choose any glass repair company you want, and Progressive will process your claim within 48 hours.

Accidents, vandalism, hail, and other events can cause windshield damage, emphasizing the importance of having the right coverage to safeguard your car and yourself.

Finally, Progressive offers various options for windshield replacement and repair, so you can find the best one for your needs.

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