Is Windshield Replacement Free in Arizona?
Windshield replacement is only "free" ($0 out-of-pocket) if you opted into zero-deductible glass coverage on a comprehensive insurance policy. Using deductible free insurance makes your Arizona windshield free, and you might even get cash back. Our experienced technicians can work on any vehicle, including cars, trucks, SUVs, van, and RV glass.
Wait, Will My Insurance Go Up After a Windshield Replacement Claim in Arizona?
Valley drivers often worry about the financial impact of filing a claim. Arizona windshield law (ARS § 20-263) prevents insurers from raising premiums for "no-fault" claims due to environmental factors like gravel or thermal stress cracks. Filing multiple glass claims within a year can flag a policy at renewal or affect your safety tier.
Confirm whether or not your insurance policy will follow you to Arizona. If you don’t follow the terms of your policy, you may have any auto glass claims you file denied.
New residents, snowbirds, and some students may have auto insurance from another state. In this case, the policy follows that state's laws, not Arizona's. You might need to pay a deductible for windshield claims, as Arizona's free replacement law may not apply.
Arizona windshield law (ARS § 20-263): $0 Windshield Replacement Explained
Arizona is one of six states with a free windshield replacement law. Meaning auto glass coverage is included with all Arizona comprehensive auto insurance policies. This law includes your policy deductible not applying to windshield claims, and you paying nothing out of pocket. See miscellaneous coverages for details.
Referred to as Zero Deductible States, Arizona, Florida, Kentucky, Massachusetts, and South Carolina require insurance companies permit individuals with comprehensive vehicle insurance to pay for and include windshield replacement services without a deductible in their policies. A complete replacement without insurance can reach as high as $1,150.00!
Arizona's windshield replacement law does not pertain to liability only policies, which address damage to others, whereas comprehensive and collision coverage is designed for your own vehicle. To be eligible for windshield replacement, you need to have a comprehensive policy in place.
Find out if you are eligible for cash back on your Arizona windshield replacement.
This law was passed due to the hot days that turn into cold nights causing thermals stress on windshields. Unnoticeable chips can turn into large cracks due to the temperature fluctuation. These conditions are no the fault of drivers and driving with a damaged windshield can be dangerous. Arizona state officials want drivers to get their windshields replaced quickly without the worry of cost.
Okay, My Insurance Covers My Windshield Without Penalizing Me. My Agent Told Me I Have to Use Their 'Preferred' Shop (Safelite). Do I?
Choosing a local shop streamlines the process, as local technicians handle direct billing, offer mobile service, and perform complete mobile ADAS dynamic and static recalibration on-site. This ensures your lane-assist and safety features are fully operational immediately after installation, without requiring a separate trip to the dealership.
Typically your car insurance will cover your cracked windshield. To find out more give us a call for a free quote (480) 973-1539.
