Arizona Free Windshield Replacement — Insurance Claims
Arizona is a "free windshield state." If you have comprehensive auto insurance, your windshield replacement is covered with $0 deductible. Hatch Auto Glass handles the entire claim process — you just tell us where to show up.
How Arizona's Free Windshield Law Works
Arizona Revised Statutes §20-1057.01 requires auto insurance companies to cover windshield repair and replacement under comprehensive coverage with no deductible. This means if you carry comprehensive insurance — which most Arizona drivers do — your windshield replacement costs you nothing. Not a reduced rate, not a copay. Zero dollars.
This law exists because Arizona's driving conditions are uniquely harsh on windshields. Highway construction zones, gravel-heavy roads, monsoon debris, and extreme temperature swings mean windshield damage is a matter of when, not if. The legislature recognized that drivers shouldn't face financial barriers to maintaining a critical safety component of their vehicle.
The law applies to windshield repair (chips) and full windshield replacement. It does not apply to side windows, rear glass, or sunroofs — those fall under your regular comprehensive deductible. But for your front windshield, the coverage is complete.
We Handle Everything
Hatch Auto Glass manages the entire insurance claim from start to finish. Here's what that means for you:
- We verify your coverage before scheduling
- We file the claim directly with your insurer
- We handle all follow-up paperwork
- We collect payment directly from the insurance company
- You sign one form — we do the rest
Up to $200 cash back on insurance-approved windshield replacements.
Insurance Companies We Work With
We work directly with all major Arizona auto insurers — and most regional carriers too.
State Farm
Arizona's largest auto insurer. We file State Farm claims daily and know their process inside and out. Fast approvals, no hassle.
GEICO
GEICO windshield claims are straightforward under Arizona law. We handle the filing and get approval typically within hours.
Allstate
Allstate comprehensive policies cover your windshield replacement at $0 deductible in Arizona. We manage the claim process from start to finish.
Progressive
Progressive's windshield claims move fast. We file directly through their system and typically have approval the same day.
USAA
USAA members get full windshield replacement coverage under Arizona law. We're experienced with USAA's claims process and documentation requirements.
Farmers
Farmers Insurance comprehensive policies include Arizona's $0 deductible windshield coverage. We handle Farmers claims regularly and keep the process smooth.
Don't see your insurer? We work with virtually all carriers. Call (480) 447-3277 and we'll verify your coverage in minutes.
Insurance Claims FAQ
Is windshield replacement really free in Arizona?
Yes — if you have comprehensive auto insurance. Arizona law (A.R.S. §20-1057.01) prohibits insurers from applying a deductible to windshield repair or replacement claims. You pay $0 out of pocket. If you only carry liability insurance (no comprehensive), the law does not apply and you would pay out of pocket. We verify your coverage before scheduling so there are no surprises.
What insurance companies do you accept?
We work with all major auto insurers operating in Arizona, including State Farm, GEICO, Allstate, Progressive, USAA, Farmers, Liberty Mutual, Nationwide, American Family, Mercury, and many others. If you have comprehensive coverage, we can almost certainly handle your claim. Call us with your insurance information and we'll verify your coverage on the spot.
How long does the insurance claim take?
Most claims are approved within a few hours to one business day. We file the claim as soon as you schedule your appointment, so approval is usually in hand before we arrive. You sign one authorization form, we do the replacement, and we bill the insurance company directly. From your perspective, the whole thing takes as long as the windshield replacement itself — about 30–60 minutes.
Will filing a windshield claim raise my insurance rates?
No. Arizona law explicitly prohibits insurance companies from raising your rates because of a windshield claim. A comprehensive glass claim is not considered an at-fault claim and does not affect your driving record. Your rates stay the same regardless of how many windshield claims you file.