Does comprehensive auto insurance cover windshield replacement?

Yes. Comprehensive auto insurance covers windshield damage from rocks, debris, weather, and vandalism. Your deductible applies to replacements. Repairs are covered under Texas law, which waives the deductible for glass repairs.

Is windshield repair free in Texas?

Texas Insurance Code Section 1952.308 requires insurers to waive the deductible for glass repairs (not replacements). If you have comprehensive coverage, chip and crack repair is covered with the deductible waived.

Can I choose my own auto glass shop in Texas?

Yes. Texas law gives you the right to choose any licensed auto glass provider — regardless of what your insurance company recommends. AutoGlass Rehab works directly with all major insurers.

Home/Insurance

Direct billing · zero paperwork

We handle insurance. You don't.

We verify your coverage, open the claim, and bill your carrier directly. Most comprehensive policies cover the full job — and in Texas, a single glass claim can't raise your rates.

(469) 790-2619

Three steps. All on us.

You make one call. We take it from there.

We verify

We call your insurer to confirm coverage and your deductible before any work begins — no surprises.

We file

We open the claim and handle all the paperwork directly with your carrier. You sign nothing extra.

We bill them

Your carrier is billed directly. You pay only your deductible, if any — Texas law waives it for glass repairs.

Texas drivers

The law is on your side.

Texas has some of the most consumer-friendly glass rules in the country. Here's what that means for your wallet.

No rate increase for one claimTexas law prohibits insurers from raising your premium for a single comprehensive glass claim.

Deductible waived on chip repairsWith comprehensive coverage, Texas waives your deductible entirely for windshield chip and crack repairs.

Your choice of shopYou are never required to use your insurer’s preferred vendor. You can always choose AutoGlass Rehab.

We bill every major carrier.

Select your insurer to see exactly how your coverage works and what to expect when you file a glass claim.

State Farm

Comprehensive coverage required. Most State Farm customers in Texas have comprehensive auto coverage included in their policy.

How to use State Farm

Progressive

Requires comprehensive coverage. Progressive offers glass-only coverage endorsements on some policies.

How to use Progressive

GEICO

Glass coverage is under comprehensive auto insurance. GEICO also offers a separate glass-only endorsement on some policies.

How to use GEICO

Allstate

Windshield coverage falls under Allstate comprehensive auto insurance. Deductibles vary by policy.

How to use Allstate

USAA

Available to active military, veterans, and eligible family members with USAA comprehensive auto insurance.

How to use USAA

Liberty Mutual

Windshield coverage falls under Liberty Mutual comprehensive auto insurance. Deductibles and glass endorsements vary by policy.

How to use Liberty Mutual

Farmers Insurance

Requires comprehensive auto insurance. Farmers also offers a separate glass coverage endorsement on some Texas policies.

How to use Farmers

Nationwide

Glass coverage falls under Nationwide comprehensive auto insurance. Some Nationwide policies include a separate glass endorsement with reduced or waived deductibles.

How to use Nationwide

Travelers Insurance

Windshield coverage requires Travelers comprehensive auto insurance. Travelers also offers optional glass-only endorsements on some Texas personal auto policies.

How to use Travelers

AAA Insurance

Requires AAA comprehensive auto insurance in Texas. AAA members with roadside-only membership need to confirm they have separate auto insurance with comprehensive coverage.

How to use AAA

Mercury Insurance

Glass coverage is under Mercury comprehensive auto insurance. Deductibles and coverage limits vary by Mercury policy.

How to use Mercury

Texas Farm Bureau

Requires Texas Farm Bureau comprehensive auto insurance, available to TFB members. Deductibles and coverage terms vary by policy.

How to use TFB

Amica Mutual

Glass coverage under Amica Mutual comprehensive auto insurance. Amica is a mutual insurer, so policyholders may receive annual dividends that offset deductible costs.

How to use Amica

Bristol West

Requires Bristol West comprehensive auto insurance. Bristol West is a subsidiary of Nationwide and serves many non-standard insurance customers in Texas.

How to use Bristol West

Don't see your carrier? We work with all major insurers — and more.

(469) 790-2619

Texas auto glass insurance guide

Understanding your auto glass coverage.

Filing an auto glass insurance claim in Dallas? AutoGlass Rehab simplifies the entire process — we verify your policy, file your claim, and handle all communication with your insurer. Texas law protects your right to choose any licensed glass shop, and most comprehensive policies cover windshield chip repairs with the deductible waived.

You always have the right to choose your own auto glass provider in Texas — regardless of what your insurance company suggests. AutoGlass Rehab works directly with every major carrier, handling the entire claims process from initial filing to final payment. We never ask you to front costs or submit for reimbursement. And Texas law protects your rates: a single comprehensive glass claim cannot increase your auto insurance premium.

Whether you're filing a new claim or have questions about your existing coverage, our team is here to help. We've processed thousands of insurance claims across State Farm, GEICO, Progressive, Allstate, USAA, Farmers, Liberty Mutual, Nationwide, and dozens of other carriers. Call (469) 790-2619 for a coverage check — most DFW windshield repairs are covered by comprehensive insurance, with minimal cost for full replacements.

Our services Insurance FAQ

Find out if you owe a dime.

Tell us your carrier and vehicle — we'll verify your coverage and your exact out-of-pocket before any work begins.