Introduction:
It’s Just a Windshield… Until It Cracks
That tiny chip from a rock can quickly turn into a full-blown crack—and suddenly, you’re facing a safety issue and an unexpected repair cost. If you’re insured by Progressive, you’re probably asking:
Does Progressive cover windshield replacement—and is it free?
Let’s dig into the details and give you the full picture.
What Kind of Coverage Covers Windshield Damage?
1. Comprehensive Coverage (Main One)
Progressive covers windshield replacement only if you’ve added comprehensive coverage to your policy.
Comprehensive covers:
- Hail or storm damage
- Falling tree limbs
- Vandalism
- Road debris like rocks or gravel
- Animal-related damage (yes, deer too)
No comprehensive = no coverage for a cracked or broken windshield unless it’s accident-related.
2. Collision Coverage (Only for Accident-Related Damage)
If the windshield breaks during a crash or collision where you were at fault, collision coverage may apply.
Is It Free or Will I Pay a Deductible?
Progressive’s General Policy:
- Chip repair (small cracks < 6 inches): Often FREE, no deductible.
- Full replacement: Deductible applies unless you qualify for exceptions.
Exceptions: $0 Deductible States
Some states require insurers to waive the deductible for windshield glass replacement:
| State | Deductible Waived? | Notes |
| Florida | ✅ Yes | Only for windshield, not other glass |
| Kentucky | ✅ | Must carry comprehensive |
| South Carolina | ✅ Yes | Full glass coverage automatically included |
In other states, you may buy “Full Glass Coverage” as a rider (extra).
Claiming a Windshield Repair/Replacement: How It Works
Step-by-Step Guide:
- Log into your Progressive account
- App or website both work.
- App or website both work.
- Start a claim
- Select “Glass or Windshield” under claim type.
- Select “Glass or Windshield” under claim type.
- Choose a repair provider
- Progressive recommends Safelite AutoGlass.
- But you’re free to pick any licensed vendor.
- Progressive recommends Safelite AutoGlass.
- Schedule a mobile or in-shop repair
- Mobile service often available next day.
- Mobile service often available next day.
- Pay deductible (if required)
- If it’s repair-only and under 6 inches, most repairs are free.
- If it’s repair-only and under 6 inches, most repairs are free.
Real Insight: What Most People Don’t Know
- Even one crack bigger than a dollar bill requires full replacement.
- Progressive may repair multiple small chips for free in one visit.
- If your glass gets replaced with aftermarket vs OEM, always ask the shop about quality and insurance coverage.
OEM vs Aftermarket Glass: What Does Progressive Use?
When it comes to replacing your windshield, the type of glass matters. Progressive typically lets you choose, but there are differences:
OEM (Original Equipment Manufacturer)
- Made by your vehicle’s original supplier
- Perfect fit, exact specs, higher clarity
- More expensive
- May not be fully covered unless specified in your policy
Aftermarket Glass
- Made by third-party manufacturers
- Meets industry standards, but not identical to OEM
- Less expensive
- Usually covered under standard replacement
- Usually covered under standard replacement
Tip: If you want OEM, check with the repair shop and your policy first. Some shops may offer an upgrade option at a cost. - Will Filing a Glass Claim Raise My Premium?
- In most cases, glass-only claims do not affect your premium, especially for:
- Chip repairs
- Windshield replacements with no other damage
- Claims where you’re not at fault (e.g., rock hit while driving)
- However, multiple claims in a short time or combining with collision damage could raise your rate.
- Pro Tip: Always ask your agent if a claim will be “chargeable” before you file.
Preventive Tips to Avoid Future Windshield Damage
- Stay back from trucks or construction vehicles.
- Use covered parking to avoid hail or falling branches.
- Avoid sudden temperature changes (no boiling water on frosty glass!).
- Get chips fixed early—they spread fast.
Most insurers prefer you fix minor chips ASAP. It reduces risk—and it’s often free.
Summary of Coverage
| Coverage Type | Covers Windshield? | Deductible? | Free in Some States? |
|---|---|---|---|
| Liability Only | ❌ No | N/A | N/A |
| Collision | ✅ Yes (if crash) | Yes | No |
| Comprehensive | ✅ Yes | Yes | ✅ Yes in FL, SC, KY |
| Glass-only Add-on | ✅ Yes | Often No | Varies by state |
FAQs)
1. Does Progressive replace windshields for free?
Yes—but only if:
- You have comprehensive coverage
- The damage is minor (repairable)
- Or you live in FL, SC, or KY (no deductible required)
2. Do I have to use Safelite for my windshield replacement?
No. While Progressive partners with Safelite, you’re free to use any certified glass repair provider. Just confirm they’re covered under your policy.
3. How long does windshield replacement take with Progressive?
- Claim approval: Same day in most cases
- Appointment: Usually within 24–48 hours
- Replacement: 1–2 hours onsite or in-shop
4. Will Progressive cover aftermarket vs OEM windshields?
They usually cover aftermarket glass by default. OEM may cost extra unless your policy explicitly includes it.
5. Can I drive right after windshield replacement?
Most adhesives need at least 30–60 minutes to cure. Your provider will give you exact safety times.
Final Thoughts
Yes—Progressive does cover windshield replacement under comprehensive insurance. In many cases, you won’t pay a cent, especially for minor repairs or if you live in a state with a waived deductible.
Just remember to:
- Review your policy for full glass coverage
- Act fast on small chips
- Ask about OEM options if you prefer top-quality glass
When exploring auto insurance options, there are many factors to consider. One such option is Otto Insurance, which offers different types of coverage. If you’re curious about Otto Insurance and how it compares to other providers, take a look at our full review of Otto Insurance to learn more about its features, coverage, and pricing.”
