U.S. Auto Insurance: Understanding Windshield Replacement Coverage In California

If you have USAA auto insurance and need to replace your windshield, you may be wondering if your policy will cover the cost. The answer depends on your specific coverage and whether you need a repair or a full replacement service.

USAA covers windshield repair and replacement services for customers with comprehensive coverage. If you only have minor damage, such as three or fewer chips or cracks that are smaller than six inches, USAA may waive your deductible for a repair. However, if you need a full replacement, you will likely have to pay a deductible unless your policy or state law indicates otherwise.

USAA windshield replacement cost

USAA will pay for windshield replacement or repair services for customers who have comprehensive coverage. USAA waives the comprehensive deductible for windshield repairs, but customers will need to pay their deductible for a full replacement unless their policy or a state law says otherwise.

If you live in Florida, Kentucky, or South Carolina, you will not need to pay your deductible for windshield replacement or repairs. Additionally, insurance companies in Arizona, Connecticut, Massachusetts, Minnesota, and New York must offer a "full glass coverage" policy that allows customers to choose a $0 deductible for glass repairs.

The cost of windshield repair at Safelite is often fully covered by USAA. If you have the appropriate coverage, USAA will waive your deductible for this service. Safelite's expert technicians can repair your windshield if your glass has three or fewer chips or cracks that are each smaller than six inches.

If your windshield needs to be replaced, this service is usually covered by USAA if you have comprehensive coverage, though you may need to pay a deductible. A full windshield replacement is recommended if your glass has four or more chips or cracks, or if the damage is larger than six inches.

The total amount of your out-of-pocket cost may vary depending on the extent of the glass damage, where it's located, your vehicle make and model, and other factors.

It is important to note that the cost of replacing a windshield without insurance can range from $100 to $400, but the price can be much higher for newer or luxury vehicles with advanced features.

USAA windshield repair cost

If you have comprehensive coverage, USAA will typically waive the deductible for windshield repairs, but you may need to pay a deductible for a full replacement, unless your policy or state law states otherwise. The comprehensive coverage deductible is typically between $250 and $500.

If your windshield has three or fewer chips or cracks, each smaller than six inches, it can likely be repaired. If the damage is more extensive, a full replacement is recommended.

USAA has a partnership with Safelite AutoGlass, which can repair or replace your windshield and file your claim for you. The cost of windshield repair at Safelite is often fully covered by USAA, but the total out-of-pocket cost for replacement may vary.

In Florida, Kentucky, and South Carolina, USAA customers do not pay a deductible for windshield repairs or replacements. Additionally, insurance companies in Arizona, Connecticut, Massachusetts, Minnesota, and New York must offer a "full glass coverage" policy with a $0 deductible for glass repairs.

USAA windshield replacement deductible

USAA will pay for windshield replacement or repair services for customers who have comprehensive coverage. The cost of windshield repair is often fully covered by USAA, and the company will waive your deductible for this service. However, for a full windshield replacement, you will need to pay a deductible unless your policy or a state law says otherwise.

If you live in Florida, Kentucky, or South Carolina, you will not need to pay a deductible for windshield replacement or repairs. Additionally, insurance companies in Arizona, Connecticut, Massachusetts, Minnesota, and New York must offer a "full glass coverage" policy that allows customers to choose a $0 deductible for glass repairs.

The amount you owe will depend on the extent of the glass damage, where it's located, your vehicle make and model, and other factors.

USAA has a partnership with SafeLite AutoGlass, which can repair or replace your windshield. SafeLite offers a lifetime guarantee on auto glass repairs and replacements, mobile repairs, and online scheduling, among other perks.

USAA windshield replacement claim

USAA windshield replacement and repair coverage is available at Safelite AutoGlass, a trusted USAA partner. The cost of windshield repair at Safelite is often fully covered by USAA, and the company will waive your deductible for this service if you have the appropriate coverage.

However, for a full windshield replacement, you will need comprehensive coverage, and you may need to pay a deductible unless your policy or state law says otherwise. Florida, Kentucky, and South Carolina are states where you will not need to pay a deductible for windshield replacement or repairs. Additionally, insurance companies in Arizona, Connecticut, Massachusetts, Minnesota, and New York must offer a "full glass coverage" policy with a $0 deductible for glass repairs.

If your windshield has three or fewer chips or cracks that are smaller than six inches, it can likely be repaired. If it has four or more chips or cracks, or the damage is larger than six inches, a full replacement is recommended.

To file a claim for windshield repair or replacement, you can use USAA's online portal. You can also call USAA's auto glass claims administrator, Safelite Network, or submit a claim through the USAA mobile app.

USAA windshield replacement partners

USAA has partnered with Safelite AutoGlass to provide windshield replacement and repair coverage for its auto insurance customers. Safelite is a trusted USAA partner that can replace or repair your windshield quickly and efficiently. They are the only national windshield repair and replacement partner of USAA, with facilities in all 50 states.

The cost of windshield repair at Safelite is often fully covered by USAA, and they will waive the deductible for this service if you have the appropriate coverage. Their expert technicians can repair your windshield if your glass has three or fewer chips or cracks, each smaller than six inches.

If your windshield needs to be replaced, this service is usually covered by USAA if you have comprehensive coverage, though you may need to pay a deductible. A full windshield replacement is recommended if your glass has four or more chips or cracks, or if the damage is larger than six inches.

USAA and Safelite work together to file your claim and verify coverage, but the total amount of your out-of-pocket cost may vary depending on the extent of the glass damage, its location, your vehicle make and model, and other factors.

In addition to Safelite, USAA also covers windshield damage through other third-party providers, such as American Family's Dreams Restored Program (DRP).

Frequently asked questions