Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Mar 2, 2022

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Just the Basics

  • Progressive repairs or replaces your windshield with little or no cost if you have the correct coverages
  • Collision and comprehensive covers windshield damage from accidents, vandalism, and acts of nature
  • Your state determines whether or not Progressive requires a deductible for windshield replacement

Unfortunately, windshield damage often happens when you spend time behind the wheel. However, Progressive covers windshield replacements and repairs quickly and efficiently to get you back on the road.

While Progressive repairs windshields with no cost to you, your deductible comes into play for windshield replacements.

However, the state you live in determines the costs for glass repair. Some states like Florida and South Carolina have no-cost glass repairs.

Learn more about Progressive windshield replacements and determine what coverage you need for windshield damages.

Does Progressive cover windshield replacement?

Progressive covers windshield repairs and replacements if the correct coverages are in place. In fact, Progressive glass coverage with your collision and comprehensive insurance may be free.

While Progressive repairs windshields at no charge, replacement may require paying your deductible.

Progressive prefers windshield repairs over replacement since costs are lower and leaks are less likely. In addition, most windshield damage is minor and only requires small repairs.

The general rule is that damages less than six inches long are easily repaired. However, multiple damaged areas or longer cracks require a windshield replacement.

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Which Progressive car insurance coverage provides windshield replacement?

While most states require drivers to carry liability coverage, it only offers property damage and bodily injury coverage. However, damages to you and your vehicle are not covered.

Collision covers damages to your vehicle from an accident. Damages include a broken windshield or broken windows from hitting another vehicle or object like a fence or tree.

Comprehensive insurance coverage pays for damages to your vehicle unrelated to an accident. This includes fire, theft, vandalism, falling debris such as a tree limb, or acts of nature, including floods, hail, and tornados.

So, if an accident damages your windshield, collision coverage pays. However, if hail damages your windshield, comprehensive coverage pays.

Full coverage insurance combines liability, collision, and comprehensive to protect others as well as you and your vehicle. Although most states only require liability coverage, experts recommend full coverage for better protection.

This table shows the average Progressive car insurance rates based on coverage type. Although full coverage rates are higher, more significant coverage is offered.

Progressive Average Car Insurance Rates Based on Coverage Type
Type of CoverageAnnual RatesMonthly Rates
Low Coverage$3,737.13$311.43
Medium Coverage$4,018.46$334.87
High Coverage$4,350.96$362.58
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Progressive full coverage car insurance is around $50 a month higher than liability-only coverage. However, full coverage pays for damages to your vehicle from accidents, vandalism, acts of nature, and more.

How do you file a Progressive windshield claim?

To file a Progressive claim, log into your account online, use the Progressive app, or call 1-800-776-4737. Progressive completes most glass claims within 48 hours.

Although Progressive recommends Safelite for windshield repairs or replacement, drivers can use any glass repair service they wish.

Windshield repairs usually take around 30 minutes and are completed at your home or work. However, you must take your vehicle to a repair facility for windshield replacement.

It’s important to file your claim quickly before damages to your windshield increase. A crack in your windshield makes the glass vulnerable to more significant breaks.

Not only can this cause windshield replacement instead of repairs, but you are also less protected in an accident.

If your windshield damage is significant, park in a covered area such as a garage, and use a tarp or plastic to protect the inside of your vehicle until repaired.

Remember, your car insurance rates may increase from filing a car insurance claim. Find out from Progressive if your rates will change.

What are the state laws regarding windshield repairs and replacement?

Your state laws also determine costs related to windshield repairs and replacement. According to CarWindshields.Info, each state has windshield and window repair and replacement laws.

For example, Florida, Kentucky, and South Carolina require car insurance companies to provide free windshield replacement and repairs. In fact, insurance companies in Florida and South Carolina must repair or replace all windows at no cost, not just the windshield.

Additionally, car insurance companies in Arizona, Connecticut, Massachusetts, Minnesota, and New York must offer $0 deductible glass coverage.

Drivers in other states are charged their deductibles for windshield replacement with Progressive. However, there is usually no charge for windshield repairs.

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How can drivers save on Progressive full coverage car insurance?

Drivers need full coverage to pay for windshield damages. While full coverage car insurance rates are higher than liability coverage, discounts offer significant savings. Moreover, most drivers qualify for more than one discount for even more substantial savings.

This table shows typical Progressive car insurance discounts. The savings amount is listed if available.

Progressive Car Insurance Discounts
Car Insurance DiscountsProgressive (%)
Adaptive Cruise Controlx
Adaptive Headlightsx
Anti-lock Brakesx
Anti-Theftx
Claim Freex
Continuous Coveragex
Daytime Running Lightsx
Defensive Driver10
Distant Studentx
Driver's Ed10
Driving Device/App20
Early Signingx
Electronic Stability Controlx
Family Legacyx
Forward Collision Warningx
Full Paymentx
Good Creditx
Good Studentx
Homeownerx
Lane Departure Warningx
Low Mileagex
Loyaltyx
Marriedx
Multiple Policies12
Multiple Vehicles10
Newer Vehiclex
Online Shopper7
Paperless Documents$50
Paperless/Auto Billingx
Passive Restraintx
Safe Driver31
Stable Residencex
Switching Providerx
Vehicle Recoveryx
VIN Etchingx
Young Driverx
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Not only does full coverage give you the windshield coverage you need, but many of the discounts also lower rates to make full coverage affordable.

Progressive Windshield Replacement: The Bottom Line

While Progressive repairs windshields at no charge, you may be required to pay your deductible for a windshield replacement if you have collision and comprehensive coverages.

Progressive drivers can choose any glass repair company they want, and claims are managed in 48 hours. The technicians will complete windshield repairs at your home or office, but windshield replacements must be done at a repair facility.

Drivers need full coverage car insurance to cover windshield damages from accidents, vandalism, hail, and more. Collision and comprehensive coverages handle windshield damage and cover damage to your vehicle from accidents and other events.

Be sure to have the proper coverages in place to take advantage of Progressive windshield replacements and repairs with little to no charges.