Does Insurance Cover Windshield Replacement in Colorado?

Glass coverage and out-of-pocket costs depend on your policy and deductible. The only situation where you would pay is if you carry liability-only insurance or specifically opted out of glass coverage when you purchased your policy. Ask your insurer whether a glass claim could affect future premiums or discounts.

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.

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Colorado Law

Glass coverage and out-of-pocket costs depend on your policy and deductible. This means:

  • Glass coverage and out-of-pocket costs depend on your policy and deductible.
  • Glass coverage and out-of-pocket costs depend on your policy and deductible.
  • This applies to windshield replacement, not just repairs
  • Ask your insurer whether a glass claim could affect future premiums or discounts.

The Important Distinction: “Offer” vs. “Include”

Glass coverage and out-of-pocket costs depend on your policy and deductible. Here's how it typically works:

Glass coverage and deductibles

  • 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

Glass coverage and deductibles

Glass coverage and out-of-pocket costs depend on your policy and deductible.

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

1

Call your insurance company

Use the number on your insurance card. Glass coverage and out-of-pocket costs depend on your policy and deductible.

2

Get a claim number

If covered, they'll give you a claim number and may ask about the damage location and size.

3

Choose your shop

You have the right to choose any auto glass shop — you don't have to use your insurer's preferred vendor.

4

Schedule the repair

Give your claim number to the glass shop. They'll handle billing your insurance directly.

5

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

Glass coverage and out-of-pocket costs depend on your policy and deductible. We file the claim for you.

Book with Pink Auto Glass

Or call (720) 918-7465

Coverage by Major Insurance Company in Colorado

State Farm

Chip RepairConfirm cost
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Glass coverage typically included in comprehensive

GEICO

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Glass coverage and out-of-pocket costs depend on your policy and deductible.

Progressive

Chip RepairConfirm cost
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Offers full glass coverage add-on in CO

Allstate

Chip RepairConfirm cost
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Glass deductible waiver available

USAA

Chip RepairConfirm cost
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Glass coverage and out-of-pocket costs depend on your policy and deductible.

Farmers

Chip RepairConfirm cost
Replacement$0*

*May require glass rider in some policies

Related Guides

Windshield replacement cost calculatorReplacement cost by vehicle typeADAS calibration costs explained

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.

Book with Pink Auto Glass

Or call (720) 918-7465