Windshield Replacement Cost With Insurance (Colorado Guide)
The short answer: most Colorado drivers pay $0 for windshield replacement with insurance. Here is why, how it works, and what to ask your insurer.
Bottom Line
If you have comprehensive auto insurance in Colorado, your windshield replacement likely costs $0 out of pocket. Colorado law (CRS 10-4-613) requires every insurer to offer zero-deductible glass coverage, and most policies include it by default.
Even if you don’t have zero-deductible glass coverage, chip repairs are almost always $0 in Colorado. Insurers prefer to pay $50-$100 for a repair rather than $300-$600+ for a full replacement later.
What You Actually Pay: Insurance vs. Cash
Here is what windshield replacement typically costs with different insurance scenarios in Colorado.
Comprehensive + Zero-Deductible Glass
Insurance pays 100%. Most common in Colorado.
Comprehensive + Standard Deductible ($250-$500)
You pay your deductible. Still cheaper than cash for expensive vehicles.
Comprehensive + $100 Deductible
Some policies offer a lower glass-specific deductible.
Liability Only (No Comprehensive)
No glass coverage. You pay the full replacement cost.
Chip Repair (any comprehensive)
Almost all Colorado insurers cover chip repairs at $0.
| Insurance Scenario | Your Cost | Details |
|---|---|---|
| Comprehensive + Zero-Deductible Glass | $0 | Insurance pays 100%. Most common in Colorado. |
| Comprehensive + Standard Deductible | $250-$500 | You pay your deductible. Still cheaper than cash for expensive vehicles. |
| Comprehensive + $100 Deductible | $100 | Some policies offer a lower glass-specific deductible. |
| Liability Only (No Comprehensive) | Full cash price | No glass coverage. You pay the full replacement cost. |
| Chip Repair (any comprehensive) | $0 | Almost all Colorado insurers cover chip repairs at $0 deductible. |
Colorado Law CRS 10-4-613: What It Means for You
Colorado Revised Statute 10-4-613 requires every auto insurance company operating in Colorado to offer zero-deductible comprehensive glass coverage. Key points:
- Your insurer must offer you the option to add zero-deductible glass coverage
- Many policies include it by default (you'd have to actively opt out)
- This applies to full windshield replacement, not just repairs
- Your rates generally do not increase for glass-only claims
- You choose your own glass shop -- you're not limited to insurer-preferred vendors
Important distinction: The law requires insurers to offer the coverage, not automatically include it. However, in practice, the vast majority of Colorado comprehensive policies include zero-deductible glass coverage as part of the standard package.
Windshield Coverage by Major Colorado Insurer
State Farm
Glass coverage typically included in comprehensive
GEICO
Zero-deductible glass standard in CO comprehensive
Progressive
Full glass coverage add-on available in CO
Allstate
Glass deductible waiver available
USAA
Typically $0 for members with comprehensive
Farmers
*May require glass rider in some policies
American Family
Glass coverage included with comprehensive in CO
| Insurer | Chip Repair | Replacement | Notes |
|---|---|---|---|
| State Farm | $0 | $0 | Glass coverage typically included in comprehensive |
| GEICO | $0 | $0 | Zero-deductible glass standard in CO comprehensive |
| Progressive | $0 | $0 | Full glass coverage add-on available in CO |
| Allstate | $0 | $0 | Glass deductible waiver available |
| USAA | $0 | $0 | Typically $0 for members with comprehensive |
| Farmers | $0 | $0* | *May require glass rider in some policies |
| American Family | $0 | $0 | Glass coverage included with comprehensive in CO |
How to Check Your Coverage (Takes 5 Minutes)
Call your insurance company
Use the number on your insurance card. Ask: "Do I have zero-deductible glass coverage on my policy?"
Get a claim number
If covered, they'll give you a claim number. Note: filing a glass-only claim generally does not raise your rates.
Choose your glass shop
Colorado law gives you the right to use any glass shop -- you don't have to use your insurer's preferred vendor.
Schedule the replacement
Give your claim number to the glass shop. They handle all insurance billing directly -- you pay nothing.
Have insurance? We handle everything
We bill your insurance directly. Most Colorado drivers pay $0 out of pocket.
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Does Insurance Cover ADAS Calibration Too?
Yes, in most cases. If your insurance covers the windshield replacement itself, it typically covers ADAS calibration as well. Calibration is considered a necessary part of the replacement procedure, not a separate optional service.
Pro tip: When filing your claim, specifically mention that your vehicle has ADAS features that require calibration. The glass shop should include this in the insurance billing automatically, but it helps to have it on record with your insurer.
ADAS calibration adds $150-$500 to the total cost, which your insurance absorbs. Without insurance, this is a significant added expense. Learn more about ADAS calibration costs.
Insurance Coverage FAQ
Will filing a windshield claim raise my insurance rates?
In Colorado, glass-only claims are classified as "comprehensive" claims, not "at-fault" claims. Most insurers do not raise rates for glass claims. This is standard practice, though you should verify with your specific insurer.
How many windshield claims can I file per year?
There is no legal limit on the number of glass claims you can file. However, filing an unusually high number (3+) may trigger a review from your insurer. In practice, most people file 0-1 glass claims per year.
What if I only have liability insurance?
Liability-only policies do not cover windshield replacement. You would need to pay the full cash price. Consider adding comprehensive coverage -- in Colorado, the cost difference is often small and includes the zero-deductible glass benefit.
Can my insurance company force me to use a specific glass shop?
No. Colorado law gives you the right to choose any glass shop for your repair or replacement. Your insurer can recommend a shop but cannot require you to use one.
Need a windshield replacement?
Get a free quote from a certified mobile installer in Denver. We handle all insurance billing -- you pay nothing if you have coverage.
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