Will Insurance Cover My Windshield Replacement in Arizona?

💸 What Arizona Drivers Need to Know About Full Glass Coverage

Short Answer: In Most Cases, Yes—You’ll Pay $0.

Arizona is one of the few states where your car insurance can fully cover windshield repair and replacement with no deductible—as long as you’ve added the right policy option.

It’s called “Full Glass Coverage,” and if you have it, you can get your windshield replaced:

• ✅ For $0 out of pocket
• ✅ At your home or work (mobile service)
• ✅ Without it counting against your insurance record

Let’s break down exactly how it works, how to check if you have it, and how Excellent Auto Glass makes the whole process hassle-free.

🛡️ What Is Full Glass Coverage?

Full Glass Coverage (also known as “auto glass endorsement”) is an optional add-on to your comprehensive auto insurance. It’s designed to cover the full cost of glass damage, including:

• Windshield replacement
• Windshield chip or crack repair
• Door, back, and quarter glass replacement
• ADAS recalibration (in many cases)

Important: It’s not automatically included in your policy—you have to add it when you sign up or renew.

🏜️ Why It’s Especially Important in Arizona

Arizona drivers are more likely to need windshield replacements than almost any other state due to:

• Extreme heat that spreads cracks
• Desert debris & gravel from dry roads
• Year-round sun exposure
• High-speed highways like I-10 and 303

Most local insurers recommend full glass coverage because the chance of needing it is so high.

🔍 How Do I Know If I Have Full Glass Coverage?

You can:

1. Check your policy documents (look for “Full Glass” or “Comprehensive with No Deductible on Glass”)
2. Call your insurance agent
3. Or the easy way—let us check it for you

At Excellent Auto Glass, we verify coverage for free and bill your insurance directly if you’re covered. No paperwork. No phone tag. No surprise bills.

💰 What If I Don’t Have Glass Coverage?

If you only have standard comprehensive insurance, you’ll likely have to:

• Pay a deductible (often $250–$500), or
• Pay out of pocket entirely

We’ll always give you a clear quote either way—and mobile service is included either way.

📲 We Handle the Insurance, You Get Back on the Road

Here’s how it works:

1. You request a quote
   (Call or submit online)
2. We verify your insurance coverage
   Fast, free, no obligations
3. We replace your glass — often same-day
   At your location. With certified techs. Using OEM-grade glass.
4. We bill your insurance directly
   You’re not stuck chasing claims or making phone calls

✅ Covered by Insurance? Windshield Replacement = $0

If your policy includes full glass, you’ll pay nothing for:

• Mobile service to your home/work
• Complete windshield replacement
• Leak & seal guarantee
• Insurance claim handling

📞 Ready to Fix It Before It Becomes a Bigger Problem?

Don’t risk a ticket—or your safety. If you’re in Phoenix, Mesa, Gilbert, or anywhere in the Valley, we’ll come to you and handle everything.

📞 Call 480-339-5110 or Request a Free Quote
We’ll check your insurance and get you booked, same-day in most cases.