Arizona Free Windshield Replacement Law & Coverage
Arizona windshield replacement law ARS 20-263, requires insurance providers to offer auto insurance policies with an optional no cost deductible for windshield replacements. Meaning you could get a free windshield replacement using insurance in Arizona.
Is Windshield Replacement in Arizona Really Free?
Arizona law mandates that insurance companies offer zero-deductible glass coverage, but it’s not included in every policy. You must opt in when selecting your auto insurance. If you didn’t choose this option, you may pay your standard deductible for windshield replacement claims.
Typically, windshields can be repaired if the chip or crack is less than 6 inches long.
Arizona Windshield Replacement Law 2026
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.
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 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.
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.
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.
Is It Illegal to Drive with a Cracked Windshield in Arizona?
Arizona law mandates that windshields be free of cracks or damage obstructing the driver's vision. If a crack obstructs your view, you must repair or replace the windshield for safety. Ignoring this can result in fines and compromise your vehicle's integrity in an accident.
Are You Eligible Cash Back Auto Glass Service in Phoenix?
In Arizona, filing for a free windshield replacement qualifies you for cash back. The law allows auto glass companies like Phoenix AZ Auto Glass Repair & Windshield Replacement to offer up to $500, depending on your vehicle's year, make, and model. This means you receive a no-cost windshield replacement along with cash in hand.
