Windshield Cracked? See What Repairs Cost and If Insurance Helps Cover It
A damaged windshield isn't just a cosmetic issue—it can compromise vehicle safety and visibility. Replacing a windshield raises common concerns: How much does it cost in different states? Will insurance cover it? How soon can the car be driven again? Here’s a practical guide to help.
💵 How Much Does Windshield Replacement Cost in Different States?
Windshield replacement costs vary widely depending on the region, car model, and technology features like sensors or cameras. Here's a general breakdown:
| State | Estimated Cost Range (USD) | Notes |
|---|---|---|
| California | $250 – $400 | High cost areas like LA or San Francisco may be more expensive. |
| Florida | $200 – $330 | Many insurers cover repairs due to state laws. |
| Wyoming | $190 – $300 | Lower labor costs; pricing depends on rural access. |
| New Mexico | $200 – $310 | Often cheaper in smaller towns, but OEM glass may cost more. |
| Montana | $210 – $320 | Common windshield damage from rural roads; insurance may help. |
| Arizona | $220 – $340 | High rate of windshield claims due to desert debris. |
| Idaho | $200 – $310 | Pricing stable; local shops often offer faster turnaround. |
Luxury vehicles or cars equipped with ADAS (Advanced Driver Assistance Systems) often cost more due to calibration requirements.
🧾 Does Auto Insurance Cover Windshield Replacement?
In many cases, yes—but it depends on your policy:
• If you have comprehensive insurance, windshield replacement is usually covered, minus any deductible.
• Full glass coverage (with $0 deductible) is available in certain states like Florida, Kentucky, and South Carolina.
• If you’re not sure, contact your insurance provider to confirm:
• Whether repair or replacement is covered
• If your deductible applies
• Which repair shops are in-network
Most insurers also allow claims to be submitted online or through a mobile app, making the process faster.
🕒 How Long Does It Take to Replace a Windshield?
Time needed for replacement depends on the type of glass and features:
• Standard vehicles: 1 to 2 hours
• Vehicles with sensors/cameras: 2 to 3+ hours (including recalibration)
• Mobile services: May take longer if performed outdoors or during extreme weather
🛑 When Is It Safe to Drive After a Windshield Replacement?
After installation, technicians typically recommend waiting for the urethane adhesive to fully cure, which may take:
• 30 minutes to 2 hours under normal conditions
• Longer in cold or humid weather
Driving too soon can compromise the seal and structural integrity, so always follow the installer’s guidelines.
✔️ Tips Before Scheduling a Replacement
Before choosing a service provider, consider the following:
• Do they offer OEM or OEM-equivalent glass?
• Is ADAS recalibration included (if applicable)?
• Do they offer mobile replacement at home or work?
• Is the replacement warranty-backed?
• Can the invoice be submitted to your insurance provider?
❓ Frequently Asked Questions (FAQs)
Q: Is windshield replacement always covered by insurance?
A: It depends on your coverage. Comprehensive and full-glass coverage policies usually include it.
Q: Can I drive right after the windshield is replaced?
A: No. Wait for the adhesive to cure—typically 30 minutes to 2 hours.
Q: What if I don't have insurance?
A: Expect to pay between $200 and $500 for standard vehicles, and up to $1,000 for luxury or ADAS-equipped cars.
Q: What’s the difference between OEM and aftermarket glass?
A: OEM glass is made by the vehicle's original manufacturer. Aftermarket glass is often less expensive but may vary in fit or clarity.
🔚 Conclusion
Replacing a damaged windshield doesn’t need to be overwhelming. With a clear understanding of the cost, coverage options, and safety steps, drivers can make informed decisions that protect both their vehicle and their safety on the road.