Is Windshield Coverage Mandatory in Arizona?

In the state of Arizona, all drivers are technically required to have insurance that covers damage to their vehicle's windshield. Drivers in Arizona know all too well the dreaded noise of a rock striking their windshield while on the road. With the desert landscape featuring monsoons and dust storms, small rocks and pebbles are plentiful along the highways, and when propelled at high speeds—such as from the bed of a dump truck—they can inflict significant damage.

Considering that Arizona ranks among the fastest-growing states in the nation, with new construction and construction vehicles appearing at nearly every corner, it’s understandable that approximately 10% of all auto glass claims filed in the United States originate from Arizona.

Why Do You Need Glass Coverage in Arizona?

It should be no surprise that every driver in Arizona is required to have windshield coverage, commonly referred to as “glass insurance”. If you are caught without this type of coverage, you risk incurring a fine imposed by the state of Arizona. (But most officers don't pay attention)

Although Arizona does NOT have specific laws regarding windshield cracks and chips, it is crucial to promptly address any damage. Cracks or chips can hinder your visibility and jeopardize the structural integrity of the windshield, creating a safety hazard. If a law enforcement officer determines that a crack or chip poses a danger, you may receive a citation for maintaining an “unsafe condition" and give you a ticket.

If you find yourself driving daily in Arizona, especially in the Phoenix or Tucson metropolitan areas prone to dust storms and desert pebbles on the roads, experiencing windshield damage is not a question of if, but rather when.

Arizona’s ARS 20-263: "No Fault” Cracked Windshield Replacement claim will Not Raise Your Rates

Arizona law regarding windshield replacement stipulates that any crack obstructing the driver’s line of sight necessitates a replacement. Typically, this is interpreted as a crack exceeding the length of a dollar bill on the driver’s side. According to Arizona's ARS 20-263, submitting a “no fault” claim for a cracked windshield will not result in an increase in your insurance rates.

Is Arizona A Zero Deductible Windshield Replacement?

Arizona is one of six states that provides zero-deductible windshield glass replacement coverage. The state has an insurance regulation mandating that insurers must offer a $0 glass deductible option when a customer opts for comprehensive coverage in their car insurance policy. This means that under comprehensive coverage, insurers will cover the full cost of windshield replacement.

It is crucial to note that to benefit from this, customers must specifically choose the $0 deductible option with their insurer.

Pay Cash for A Windshield Replacement in Phoenix

If you lack insurance and plan to pay out-of-pocket for a windshield replacement in Phoenix, anticipate spending between $300 and $1000, not including the installation fee. The overall expense will depend on your vehicle's make and model, with most vehicles generally ranging from $400 to $800.

To ensure that your windshield and other windows are adequately safeguarded in the event of an accident or unexpected situation, there are various options to explore. You could secure a separate policy for glass. Generally, the most cost-effective way to obtain coverage is through your car insurance provider.

What If I Don't Have Glass Insurance in Arizona?

Insurance professionals in Arizona assess your insurance needs and support you in comparing auto policies in Arizona, helping you make an informed choice about the option that suits you best. Not all windshield coverage policies are the same; enrolling in a policy without examining the fine print might lead to unexpected out-of-pocket expenses.