progressive glass coverage: is it worth it? (2023)

Compare Car Insurance Rates

Enter your zip code and answer a few simple questions to find the best rates in your area.

Those who’d like Progressive glass coverage generally steer toward comprehensive insurance, which covers claims to your vehicle that don’t involve a collision. While some auto insurers offer a specific policy for windshield insurance, Progressive doesn’t give drivers that option.

A few states require even the best car insurance companies to provide zero-deductible windshield repair and replacement as part of comprehensive coverage. Drivers in most states, however, will find that Progressive glass coverage only applies if they have comprehensive insurance and are willing to first pay a deductible.

What is Progressive Glass Coverage?

Progressive glass coverage isn’t actually its own policy, as drivers only receive it if they first pick up comprehensive insurance. Windshield replacements and repairs are, in fact, one of the most common uses for comprehensive coverage.

It’s worth using full glass coverage if your vehicle’s windshield is damaged due to vandalism, hail or flying objects. After an accident, either your collision coverage or the other driver’s liability insurance should take care of the auto glass claim.

Does Insurance Cover Windshield Replacement?

Progressive auto insurance covers windshield replacement for those who have comprehensive coverage from the company. Progressive windshield replacement services don’t apply for those who only have minimum coverage, so it’s smart to pick up comprehensive and collision insurance if you’d like to avoid paying out of pocket.

Windshield coverage is relatively cheap from Progressive, and those who do so by getting comprehensive coverage receive extensive protection. This insurance type keeps your vehicle safe from damages that didn’t result from a car accident, and it often makes trips to the repair shop more affordable.

Does Progressive Glass Coverage Require a Deductible?

The majority of drivers will need to pay a deductible before Progressive glass coverage kicks in, but that’s not the case everywhere. The following states mandate that all policyholders with comprehensive insurance receive zero-deductible windshield repair and replacement:

  • Florida
  • Kentucky
  • South Carolina

In a few other states, auto insurers must give drivers the choice to pay for additional insurance coverage that eliminates their windshield deductible. Motorists must first have comprehensive insurance to qualify for this add-on, and they must live in one of the states below:

  • Arizona
  • Connecticut
  • Massachusetts
  • Minnesota
  • New York

While Progressive covers zero-deductible claims in a few states, that’s not true in most. Motorists in states not listed above can expect to pay a glass deductible regardless of their current insurance coverage.

How Do I Make a Progressive Glass Coverage Claim?

You should file a claim for glass coverage immediately after your windshield breaks, chips or cracks. Pull your vehicle over when it’s safe, take pictures of your car’s damages and send them to Progressive.

Progressive makes it relatively simple for drivers to move through the claims process. Log into your online account via the app or go to Progressive’s website and file an insurance claim using the provided form. Alternatively, you can use the company’s hotline by calling 1-800-776-4737.

While an auto glass claim could slightly increase your premiums, it won’t mark you as someone with a bad driving record. Repeated claims, on the other hand, could indicate that you follow other vehicles too closely while on the road.

Do I Need To Repair a Broken Windshield?

It’s extremely important that you repair a windshield or another auto glass component that gets cracked, chipped or otherwise damaged. It’s not only illegal to drive with a broken windshield, but also quite dangerous.

Federal guidelines state that you can’t drive a vehicle with more than slight damages to the center of your windshield. The center of your windshield is defined as everywhere above the steering wheel except for two inches from the top and a single inch from every other side. It’s illegal to drive a car with even minor glass damage that connects to other problem areas.

Certain states may have more restrictive requirements. Regardless, it’s highly dangerous to get behind the wheel of a car with a marginalized viewing area, as happens due to glass damages.

How Much Does Windshield Repair Cost?

Windshield repair is often significantly cheaper than a full glass replacement claim, as it sits in the range of $100 to $250. Exact costs are based on the extent of the repairs that need to be performed to fix the glass chip, crack or spidering.

On the other hand, windshield replacement is a pricey endeavor. Most drivers can expect to spend a minimum of $600, while a large number face replacement costs of $1,000 or greater. The high price of windshield replacement is one reason why many motorists desire Progressive glass coverage. After your comprehensive deductible, the cost of windshield replacement will be reduced to nothing.

The exact cost of windshield replacement or auto glass repair depends on factors such as your chosen glass shop, the type of glass used for your car and the type of coverage you have. While Progressive insurance agents recommend Safelite, motorists are able to go to nearly any shop to fix a damaged windshield.

Our Recommendations for Auto Insurance

Progressive glass coverage is a reasonable option for drivers, but there are plenty of other auto insurance providers to consider. We’d suggest getting multiple car insurance quotes before settling on Progressive, as that way you’ll be able to find the market’s most compelling offers.

The easiest ways to lower car insurance rates are by comparing free car insurance quotes, by bundling an auto policy with homeowners or renters insurance and by rethinking your current coverage types and limits.

Compare Car Insurance Rates

Enter your zip code and answer a few simple questions to find the best rates in your area.

State Farm: Best Overall

Those who pick State Farm typically receive competitive rates from accessible insurance agents spread all over the country. Young drivers in particular receive excellent prices from State Farm, and it’s easy to qualify for the company’s car insurance discounts. As with Progressive glass coverage, you’ll receive windshield repair and replacement services through your comprehensive insurance policy.

GEICO: Best Discounts

GEICO is one of the best auto insurance providers in the U.S., as seen by its stable financial status and robust selection of insurance products. The company has an extensive set of auto insurance discounts, with savings for everyone from young drivers to those who serve in the military or work for the federal government. Once again, GEICO’s windshield replacement services are combined with comprehensive insurance.

USAA: Best Military Provider

If you’re a veteran or an active member of the U.S. armed forces, USAA is likely a great choice. The company is known for its affordable prices and it offers some of the highest-rated customer service in the industry. Note that eligibility is limited to those who are in or related to a member of the U.S. military. Windshield damages are dealt with through your comprehensive plan as with Progressive glass coverage.

Frequently Asked Questions (FAQs)

Does windshield insurance cover rock chips?

Comprehensive coverage does cover glass chips resulting from rocks hitting your windshield. Make sure to file a windshield claim immediately after you notice the formation of a crack. Failing to do so can affect your chances of getting the assistance and services you need.

Does auto insurance cover broken windows from a break-in?

Broken windows from a break-in are considered a form of vandalism and usually get covered by your comprehensive insurance policy. Necessary repairs or replacements will be partially or fully paid for by your insurer, depending on your policy’s deductible.

Can I drive around with a cracked windshield?

Driving around with a cracked windshield is inadvisable and oftentimes illegal. Leaving the crack unattended for too long can cause it to spread, making it a bigger safety hazard. So, it’s best to get it repaired or replaced by a professional as soon as possible.

How long can you drive around with a cracked windshield?

How long you’re able to drive around with a cracked windshield depends on the severity of the damage. Minor cracks are unlikely to spread, allowing you to drive for months or years without additional damage. That said, it’s best to repair or replace potential issues as soon as possible since cracks can dramatically weaken your windshield.


The Detroit Bureau collects data from every major car insurance provider to formulate rankings of the best insurers. Our in-depth rating system takes into account market share, coverage, auto insurance rate estimates generated by Quadrant Information Services, customer satisfaction and ratings from industry experts. Each insurer is given a weighted score in four categories, as well as an overall score out of 10.0.

We recommend auto insurance companies based on these rankings, but we also encourage you to perform your own research and compare quotes to find the best coverage.


3 Most Reliable Lexus Models

While there are a few automotive brands out there known for being reliable, one of the top companies with several durable models in its lineup is Lexus. Which vehicles are the top three for being reliable rides? Why does reliability matter? Lexus logo | Getty Images When you buy a ...

View more: 3 Most Reliable Lexus Models

The Cheapest New Dodge Charger Is a Versatile Sedan Option With One Big Issue

The Dodge Charger offers everything from a sensible V6 and all-wheel drive to supercharged tail-happy sports sedans. Better yet, the cheapest offering in the model’s lineup, the SXT, is versatile and well-suited for daily driving. However, the 2023 Dodge Charger SXT has one glaring issue: it’ll be the last car ...

View more: The Cheapest New Dodge Charger Is a Versatile Sedan Option With One Big Issue

Cheapest New Audi Is 1 of the Best Small Luxury Cars, Says Car and Driver

Audi has a solid lineup of luxury vehicles — with their good driving dynamics, premium features, and attractive designs. Also, compared to some other luxury brands, Audi models are relatively affordable. This includes the 2023 Audi A3 subcompact sports sedan, which is the cheapest new Audi car. Also, according to ...

View more: Cheapest New Audi Is 1 of the Best Small Luxury Cars, Says Car and Driver

GM Just Announced An All-New Small-Block V8 Is Coming

The electrification zeitgeist is in full swing, but gasoline-powered engines won’t disappear overnight. Nor will V8 power, as GM just confirmed a new small-block V8 engine is coming soon. This will be the sixth generation of the legendary small-block V8 that has powered so many Chevy and GM products since ...

View more: GM Just Announced An All-New Small-Block V8 Is Coming

Best car tool kits 2023

Whether you're looking for an emergency set of basic tools or something more comprehensive, a good tool kit can save you lots of stress – but who makes the best?...

View more: Best car tool kits 2023

The Lectron Adapter Will Let You Charge a Ford Lighting at a Tesla Station

Electric vehicle charging ports are mess. Some use one type developed in Europe, others use a Japanese system, and then Teslas use their own. But, what about those who have access to a Tesla charger, but want to charge something else, like a Ford F-150 Lightning? The Ford F-150 Lightning ...

View more: The Lectron Adapter Will Let You Charge a Ford Lighting at a Tesla Station

How Much Does a Nissan Tune-up Cost, and What Do They Do?

Keeping up with your Nissan‘s regular maintenance means you get optimal performance and fewer chances of major breakdowns. With that, you save on fuel costs and significant repairs and avoid the inconvenience of your car breaking down or stalling in the middle of the road. Naturally, tune-ups are a considerable ...

View more: How Much Does a Nissan Tune-up Cost, and What Do They Do?

How Does the New Corvette E-Ray Stack Up Against Hybrid Hypercars?

The new 2024 Chevrolet Corvette E-Ray isn’t just the latest stage in the Corvette’s evolution into a world-class supercar. Instead, it’s a reminder that the latest generation of plastic fantastic can punch well above its weight class. For instance, the new hybrid Corvette is quick enough to compete with several ...

View more: How Does the New Corvette E-Ray Stack Up Against Hybrid Hypercars?

4 Snow Plow Safety Tips When Encountering These Vehicles on the Road

Alpine is Coming to the U.S, but it’s Not Bringing the Goods

What’s the Toyota Highlander Hybrid Towing Capacity?

1990s GMC Typhoon: There’s Never Been an SUV That Can Beat It

Your 2022 Ford Maverick Might Have Faulty Airbags

This Older Porsche Infotainment Upgrade Helps Modernize Your 911 and Cayenne

Only 1 Type of Buyer Should Even Consider the 2022 Jeep Compass

3 Most Common GMC Sierra 1500 Problems Reported by Hundreds of Real Owners

5 Used Cars with the Biggest Price Drops

Incredibly Rare and Awesome Pontiac GTO Judge Sold for $1.5 Million

Is the 2023 Toyota RAV4 Too Old to Keep Up?

Carroll Shelby’s 100th Birthday Honored by Centennial Edition Mustang


Top Car News Car News