Is Windshield Replacement Free in Arizona?
Arizona law ARS 20-263, requires insurance providers to offer comprehensive auto insurance policies with an optional $0 deductible benefit for windshield replacements. This means you could get a free windshield replacement using insurance.
How can I get my windshield replaced for free?
If you have comprehensive coverage or auto glass coverage on your auto insurance policy, your windshield repair or replacement is covered. Repairs come at no cost, or free to you, car insurance covers cracked windshields sometimes deductibles apply.
Typically, windshields can be repaired if the chip or crack is less than 6 inches long.
Arizona Windshield Replacement Law 2026
Arizona law requires insurers to offer a zero-deductible option for windshield replacement under comprehensive coverage, meaning no out-of-pocket cost for the repair/replacement, and claims generally won't raise rates. The law also mandates replacement if a crack obstructs the driver's vision (often considered significant if over a dollar bill length or 1/4 inch wide) or is in the driver's line of sight, with enforcement left to officer discretion, though tickets can range from $100-$150. View ARS 20-263 Arizona windshield replacement law.
Arizona windshield replacement law HB 2500 strengthens protections against misleading auto glass repair practices and surprise charges. It bans shops from misrepresenting insurance coverage, claiming repairs are free, pressuring customers to file claims, or offering incentives to induce claims. It also requires clear written estimates when a shop does not accept the insurer’s rate and protects customers from unauthorized work, inflated billing, and false claims of insurer approval.
Arizona is one of 6 states where insurance companies must offer full glass coverage as part of comprehensive auto insurance policies. If you have auto glass coverage with a $0 deductible for glass repair, you may qualify for a free windshield replacement in Arizona.
Find out if you are eligible for cash back on your Arizona windshield replacement.
When you file for a free windshield replacement in Arizona, you are eligible for cash back. AZ windshield replacement law allows auto glass companies like Phoenix Arizona Auto Glass to offer up to $500 cash back based on the year make and model of your vehicle, meaning you not only get a no out of pocket windshield replacement but also get money in your pocket.
Will My Insurance Go Up After a Windshield Replacement Claim in Arizona?
Arizona windshield law ARS 20-263 stipulates that submitting a "no fault" claim for a cracked windshield replacement will not increase your insurance rates. Arizona feels that if you were in a crash, using defensive driving techniques could have avoided the accident, even if you aren’t at-fault. However, a damaged windshield almost never has anything to do with your driving. As long as you're not abusing the system your insurance rates will not go up after a windshield replacement claim.
If you have a high number of claims per year, it's assumed that you’re consistently driving in high risk areas such as heavy construction or unpaved roads. The best advice is to inform your insurance provider if this is your situation to avoid fluctuating glass coverage pricing.
New residents, snowbirds, visitors, and some students might have an auto insurance policy written in another state. If this is the case, your insurance policy would typically follow the laws of that state instead of Arizona. You may need to pay a deductible on windshield claims, since Arizona's free windshield replacement law may not apply to you.
Is it worth filing an insurance claim for a cracked windshield?
It doesn't make sense to file a claim for minor auto glass repair, chip and crack repairs usually aren't expensive and won't exceed the cost of a deductible (unless yours is $0), pay for chip repair out of pocket. For large cracks, yes you should file an insurance claim for a cracked windshield.
If you would like to find out more about a free windshield replacement fill out the form below or give us a call at (480) 973-1539.
