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Yes — in most cases. If you have comprehensive auto insurance in Texas, your windshield replacement is almost certainly covered. The key details depend on your specific policy and deductible.
Comprehensive coverage is the portion of your auto insurance that pays for damage not caused by a collision — including hail, falling objects, vandalism, and cracked or broken glass. Windshield damage from a rock kicked up on the highway falls under comprehensive, not collision.
If you have comprehensive coverage, your insurer will pay to repair or replace your windshield, minus your deductible. For a $500 deductible and a $400 repair, you pay the full $400 out of pocket. For a $1,200 replacement, you pay $500 and the insurer pays $700.
Some policies include full glass coverage as a separate rider. This coverage pays for windshield repair or replacement without applying your deductible. If you live in a hail-prone area like the Houston metro or North Texas, full glass coverage is worth the small additional premium.
In Texas, many major insurers offer zero-deductible glass riders. Ask your agent specifically about full glass coverage — it is not always included automatically with comprehensive.
Insurers strongly prefer chip repair to full replacement when the damage qualifies. A repaired chip costs $50 to $150 compared to $300 to $600 for replacement. If your policy includes full glass coverage, chip repair is almost always covered at no cost to you. Many insurers waive the deductible entirely for chip repairs even if you do not have a full glass rider.
Whether a chip can be repaired rather than replaced depends on its size, location, and how long it has been there. A chip smaller than a quarter that is not in the driver’s line of sight and has not spread into a crack is typically repairable.
In most cases, filing a comprehensive glass claim in Texas does not raise your rates. Comprehensive claims are not treated the same as at-fault accident claims. Your rate is unlikely to increase for a single windshield claim, but this depends on your insurer and your claims history. Check with your agent before filing if this is a concern.
We work with all major insurance carriers in Texas. When you schedule your appointment, tell us your insurance company and policy number. We contact the insurer directly, confirm your coverage, and handle the claim billing. Most customers with comprehensive coverage pay nothing at the time of service — we collect from the insurer after the work is complete.
Schedule your appointment online or call your nearest Texan Glass location.
