Marissa Hayes is a technical editor and contributing writer. She holds a Bachelor’s Degree in history, and she was the editor of the literary magazine, The Bluestone Review.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Car Insurance Agent Daniel Walker

UPDATED: Mar 31, 2022

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The Short of It

  • State Farm repairs or replaces your windshield if you have collision and comprehensive coverage
  • You may have to pay your deductible unless you live in a state that requires auto insurance companies to cover windshields at no cost
  • File a State Farm glass claim online or by calling LYNX Services

Let’s say you’re driving down the road when a rock flies up and cracks your windshield. Do you know what to do next? Does your insurance policy cover cracked windshields? What if the damage is extensive and requires a lengthy stay at a repair shop? Does insurance cover auto glass repair?

If you have State Farm windshield coverage, you can quickly repair or replace your windshield. However, you should have collision and comprehensive coverage in place to handle any windshield damage that may occur.

Some states also require auto insurance companies to repair or replace windshields at no cost to the driver. Otherwise, you may have to pay a deductible for windshield damage.

Keep reading to learn more about State Farm windshield coverage and how your state determines your out-of-pocket costs.

What is State Farm windshield coverage?

Damage to your windshield is inevitable if you spend any time on the road. Whether it’s road debris, rocks, or hail, your windshield is a magnet for damage.

State Farm helps drivers get their windshields repaired or replaced quickly. However, you must have proper auto insurance coverage in place for State Farm to cover the cost of repairs for the damage.

Most states require you to carry at least liability insurance. Although liability coverage is the cheapest, it only pays for property damage and bodily injuries to others. It does not cover your vehicle at all.

For damage to your vehicle to be covered, you need full coverage auto insurance. Full coverage usually consists of liability, collision, and comprehensive coverage.

State Farm repairs or replaces your windshield at little or no cost to you with the correct coverage options in place.

Each state regulates how auto insurance companies must handle windshields. For example, Florida, Kentucky, and South Carolina require auto insurance companies to repair or replace windshields at no cost.

Other states, including Arizona, Connecticut, Massachusetts, Minnesota, and New York, require car insurance companies to offer special glass coverage with a $0 deductible for repairs.

Your state determines what the windshield repair or replacement cost will be. So if you live in a state that doesn’t regulate those costs, expect to pay your deductible for windshield repairs or replacements.

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How much does auto insurance with windshield coverage cost?

For damage to your windshield to be covered, you need full-coverage auto insurance. While full coverage is the most expensive, it also provides peace of mind.

Check out this table to compare coverage rates. It shows average annual rates based on coverage type from State Farm.

State Farm Average Auto Insurance Rates Based on Coverage Type
Type of CoverageAnnual RatesMonthly Rates
Low Coverage$3,055.40$254.62
Medium Coverage$3,269.80$272.48
High Coverage$3,454.80$287.90
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While high, or full coverage, is around $30 a month more than low, or liability-only coverage, damage to your vehicle is covered. If you only have liability coverage, you pay for damages yourself, including windshield repairs.

How do you file a windshield claim with State Farm?

Filing a State Farm glass claim is easy, and repairs are usually completed within 48 hours. LYNX Services handles all glass claims for State Farm.

Steps to State Farm windshield repair or replacement are:

  • File your claim
    •  Claims can be filed online, through your agent, or by calling LYNX Services at 1-888-624-4410. Drivers in Massachusetts must call 1-800-526-8210 for help.
  • Verify coverage
    • State Farm will ensure you have the correct coverage in place to determine if a deductible is required.
  • Pick a service provider
    •  Choose from several different providers through LYNX Services to perform the necessary repairs.
  • Schedule windshield repairs or replacements
    •  A service provider can repair your windshield at your location, but you must take your vehicle to a repair facility for a replacement.

Does State Farm cover windshield replacements instead of repairs? Yes, but windshields are easily repaired instead of replaced most of the time.

The type of damage to your windshield determines whether you should repair or replace it. If the crack or chip is small and doesn’t block the driver’s vision, replacing the windshield won’t be necessary.

Should I use insurance to replace my windshield? Windshield replacements are expensive. However, filing a glass claim may not be worth it if you have a high deductible. Compare replacement costs with your deductible to determine the best option.

Regarding repairs, windshield chip repair costs aren’t nearly as high. Also, repair kits are available if you want to try your hand at repairs.

Remember, your state also determines repair and replacement costs. Depending on where you live, out-of-pocket costs may not apply. Check with State Farm to determine if your deductible applies.

What do collision and comprehensive auto insurance cover?

As we’ve discussed, full coverage must be in place for windshield coverage. Let’s dive into full coverage and see what coverage is included.

First, most states require liability coverage. Because liability coverage pays for damage to others, it is considered the bare minimum.

Next, collision insurance covers damage to your vehicle from an accident. These damages include windshield repairs or replacements.

Finally, comprehensive insurance covers damage to your vehicle unrelated to an accident. Damages include fire, theft, vandalism, falling debris, and acts of nature like floods, hail, and tornadoes.

These three types of coverage combine to provide the most coverage for your vehicle.

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State Farm Windshield Coverage: The Bottom Line

State Farm windshield coverage allows repairs or replacements depending on the damage. LYNX Services makes it easy to have repairs or replacements completed quickly.

Your state determines if you must pay your deductible for repairs and if your car insurance company must offer special glass coverage.

State Farm prefers repairs over replacement when possible and depends on the damage to your windshield.

Also, your out-of-pocket costs determine whether you should file a glass claim. If repairs are less than your State Farm deductible, consider paying without filing a claim.