Does Insurance Cover Windshield Replacement in Colorado?
Short answer: probably yes. Colorado has one of the most driver-friendly glass coverage laws in the country. Here’s exactly what you need to know.
Colorado Law CRS 10-4-613
Colorado Revised Statute 10-4-613 requires every auto insurance company operating in Colorado to offer zero-deductible comprehensive glass coverage as an option to all policyholders. This means:
- Your insurer must offer you the option to add zero-deductible glass coverage
- If you elected this coverage (many policies include it by default), windshield replacement costs you $0
- This applies to windshield replacement, not just repairs
- Your rates generally do not increase for glass-only claims
The Important Distinction: “Offer” vs. “Include”
CRS 10-4-613 requires insurers to offer the coverage, not automatically include it. However, in practice, many Colorado auto policies include zero-deductible glass coverage as part of their standard comprehensive package. Here’s how it typically works:
You likely have $0 coverage if:
- You have comprehensive coverage on your policy
- You didn’t specifically opt out of glass coverage
- Your insurer is State Farm, GEICO, Progressive, USAA, or Allstate (most include it by default in CO)
You may need to pay if:
- You only have liability coverage (no comprehensive)
- You specifically declined glass coverage
- Your vehicle is not covered under comprehensive
Chip Repairs: Almost Always Free
Windshield chip repairs are covered at $0 deductible by virtually all Colorado insurers, even if you don’t have the optional zero-deductible glass replacement coverage.
Why? Insurance companies prefer to pay $50-$100 for a chip repair now rather than $300-$600+ for a full replacement later when the chip spreads into a crack. It saves them money, so they make it free for you.
Pro tip: Get chips repaired within 24-48 hours, especially in Colorado. Temperature swings of 60-80 degrees between day and night can cause a small chip to spread into an unrepairable crack overnight.
How to File a Windshield Insurance Claim
Call your insurance company
Use the number on your insurance card. Ask: 'Do I have zero-deductible glass coverage?'
Get a claim number
If covered, they'll give you a claim number and may ask about the damage location and size.
Choose your shop
You have the right to choose any auto glass shop — you don't have to use your insurer's preferred vendor.
Schedule the repair
Give your claim number to the glass shop. They'll handle billing your insurance directly.
Get it done
Most mobile installers can come to your home or office. Typical time: 1-2 hours.
Have insurance? We handle all the billing
Most Colorado drivers pay $0 out of pocket. We file the claim for you.
Book Online NowOr call (720) 918-7465
Coverage by Major Insurance Company in Colorado
State Farm
Glass coverage typically included in comprehensive
GEICO
Zero-deductible glass standard in CO comprehensive
Progressive
Offers full glass coverage add-on in CO
Allstate
Glass deductible waiver available
USAA
Typically $0 for members with comprehensive
Farmers
*May require glass rider in some policies
| Insurer | Chip Repair | Replacement (with glass coverage) | Notes |
|---|---|---|---|
| State Farm | $0 | $0 | Glass coverage typically included in comprehensive |
| GEICO | $0 | $0 | Zero-deductible glass standard in CO comprehensive |
| Progressive | $0 | $0 | Offers full glass coverage add-on 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 |
Related Guides
Need to replace your windshield?
Get a free, no-obligation quote from a certified mobile installer in Denver. They handle the insurance billing for you.
Get Your Free QuoteOr call (720) 918-7465