Yes, Farmers covers windshield replacement, but only if your policy includes comprehensive coverage, and your regular comprehensive deductible applies unless you've added one of Farmers' optional glass features, such as Glass Deductible Buyback, which drops your share to $100. Farmers lists that option as covering windshield and glass repair and replacement with a $100 deductible ($0 in some states), plus a $0 deductible for chip repairs that don't need new glass.
So the real answer depends on two lines on your declarations page: whether you carry comprehensive, and whether the glass option is on it. Here's how each piece works, what Florida, Kentucky and South Carolina drivers get by law, and how to file through Farmers' Safelite setup.
Key Takeaways
- Farmers pays for windshield damage under comprehensive ("other than collision") coverage. Liability-only policies don't cover your own glass.
- Glass Deductible Buyback is an add-on sold at extra cost. Farmers says it covers windshield and glass repair and replacement with a $100 deductible, or $0 in some states.
- With that option, chip repairs that don't require replacing the glass carry a $0 deductible.
- Farmers routes glass claims through Safelite Solutions, but its booking page also lets you enter your own repair shop. The Farmers Claims Center number is 1-800-435-7764.
- With comprehensive, state law removes the deductible in three places: Florida for covered windshield damage, Kentucky for glass-only claims and South Carolina for automobile safety glass.
Does Farmers cover windshield replacement?
It does, through comprehensive coverage. Farmers describes comprehensive as "other than collision" coverage that pays for damage from theft, vandalism, hail, wind, fire, animals and similar events. A rock kicked up on the highway, a branch in a storm or a stray golf ball all land here.
Collision coverage doesn't handle a cracked windshield on its own, and a liability-only policy pays nothing toward your own glass. If you own the car outright and trimmed your policy to save money, check before you book anything.
Without any glass add-on, a windshield claim works like any other comprehensive claim. If the covered cost doesn't exceed your comprehensive deductible, the policy pays nothing; if it does, Farmers may pay the covered remainder under your policy terms. With a high deductible and a replacement quote close to it, the claim may not be worth filing. That gap is exactly what the buyback option is meant to close.
What is the Farmers Glass Deductible Buyback?
It's an optional coverage that lowers what you pay on glass claims. On its auto coverage page, Farmers lists it as "Glass deductible buyback/$100 glass deductible" and spells out three terms:
- It covers windshield and glass repair and replacement.
- Your deductible is $100, or $0 in some states.
- Chip repairs that don't require glass replacement carry a $0 deductible.
A Farmers article on windshield claims adds that the option is "available at an additional cost," and that with it "your only responsibility is a $100 deductible." It applies to other glass too, such as a side window smashed in a break-in.
The math is simple. Say your comprehensive deductible is $500. Without the buyback, you pay the first $500 of a windshield replacement. With it, you pay $100 on that same glass claim, while non-glass comprehensive claims (hail on the hood, a deer strike) still use your normal $500.
Does Farmers have full glass coverage?
Yes, depending on your policy and state. Farmers' windshield coverage article (last updated April 2026) lists two special glass options. Glass Deductible Buyback generally uses a $100 deductible, or $0 in some states. "Full windshield and glass coverage" can cover repair or replacement of auto glass with no deductible. They're separate features, and not every state or policy form offers both, so ask your agent which one is available where you live.
Several states require insurers to offer an optional zero-deductible glass endorsement. We break down which states those are, and how each major insurer handles them, in our guide to whether car insurance covers windshield replacement.
Does Farmers pay for windshield chip repair?
Usually, yes. With the Glass Deductible Buyback, Farmers lists chip repairs that don't require glass replacement at a $0 deductible. Safelite's Farmers page puts it this way: windshield repair "is often fully covered by Farmers," and if you have the coverage, "Farmers will waive your deductible for this service."
Safelite says it can repair a windshield with three or fewer chips or cracks, each smaller than six inches. Four or more, or damage longer than six inches, generally means replacement. Fix chips early: one cold morning or pothole can turn a chip into a long crack. If you'd rather compare local options, you can find auto glass repair shops near you in our directory.
Which states give Farmers customers a $0 glass deductible by law?
Three states waive the deductible by law for anyone with comprehensive, whatever insurer they use, though each law covers different glass:
| State | What the law says | Source |
|---|---|---|
| Florida | Comprehensive deductibles "shall not be applicable to damage to the windshield." | Fla. Stat. 627.7288 |
| Kentucky | Glass-only claims get complete coverage "without regard to any deductible," and insurers can't require a specific glass shop. | KRS 304.20-060 |
| South Carolina | Physical damage deductibles don't apply to automobile safety glass if you carry comprehensive. (House Bill 4817, pending, would change this.) | S.C. Code 38-77-280(B) |
A note for Florida drivers: Farmers stopped writing new Farmers-branded auto policies in Florida in 2023, though it still sells there through subsidiaries such as Bristol West and Foremost. The state law applies to whichever insurer covers you.
One caveat for South Carolina: H.4817, which the state House passed in April 2026, would change this rule starting January 1, 2027. The version a Senate committee approved on April 30, 2026 would let insurers charge up to a $100 deductible on glass replacement (repairs would stay deductible-free), while still requiring them to offer a $0 option. The legislature's bill page doesn't show it as law, so the current waiver stands. If you're in South Carolina, check its status before your next renewal.
How do you file a Farmers windshield claim?
Farmers has teamed with Safelite Solutions to handle glass repair and replacement claims. Here's the process its glass claims page lays out:
- Photograph the damage and note when and where it happened.
- Schedule online through Farmers' glass claims page. It hands you off to Safelite's booking. You can choose a Safelite appointment, or enter your own repair shop's details during booking.
- Already paid for the repair? File a reimbursement claim online. Farmers says it takes about five minutes, and you can upload the receipt after the claim is filed if you log in to your Farmers.com account first.
- Questions? Call the Farmers Claims Center at 1-800-435-7764, the number listed on Farmers' own glass claims page.
Safelite says it's the only national glass provider working with Farmers and that it verifies coverage and files the claim for you. Convenient, but you aren't stuck with it. Farmers' booking flow lets you name another shop, and in Kentucky the law says an insurer can't require you to use a particular glass shop to get paid.
If your car has a windshield-mounted camera for lane-keeping or automatic braking, ask whether recalibration is part of the job before the appointment. Kentucky's statute counts ADAS recalibration as part of glass replacement. Elsewhere, confirm it with Farmers or the shop.
Will a Farmers glass claim raise your rates?
Farmers doesn't publish a rule on how glass claims affect premiums. A rock chip or storm crack is normally a comprehensive claim rather than an at-fault accident, but that doesn't guarantee a surcharge-free renewal. Claims history can come up at renewal, especially if you file several in a short span, so ask your agent how a glass claim is rated in your state.
Don't count on accident forgiveness here. Farmers says that feature forgives one at-fault accident every three years, and a rock chip isn't an at-fault accident. For a fuller look at how insurers rate glass and comprehensive claims, read whether a windshield claim will raise your insurance. If the repair costs less than your deductible, paying cash avoids adding a claim to your history.
How does Farmers compare with other insurers?
Farmers follows the industry pattern: comprehensive pays for glass, an add-on lowers the deductible, and one national glass network handles most claims. The difference is that Farmers' standard option still leaves you a $100 share on replacements in most states. See how Allstate handles glass coverage, how Nationwide treats windshield claims, and what USAA members pay for windshield replacement if you're shopping for a policy with better glass terms.
Frequently Asked Questions
Does Farmers cover windshield replacement?
Yes, if you have comprehensive coverage. You pay your comprehensive deductible unless you've added the Glass Deductible Buyback ($100, or $0 in some states) or full windshield and glass coverage, or state law removes it: Florida for windshields, Kentucky for glass-only claims and South Carolina for safety glass.
What is the Farmers glass deductible?
With the optional Glass Deductible Buyback, it's $100 on windshield and glass repair and replacement, $0 in some states, and $0 for chip repairs that don't need new glass. Without it, your standard comprehensive deductible applies.
Can I use my own glass shop with Farmers?
Yes. Farmers' online booking lets you enter your own shop's information, and if you've already paid for repairs you can file for reimbursement online with your receipt.
What is the Farmers glass claim phone number?
Farmers' glass claims page lists the Farmers Claims Center at 1-800-435-7764. You can also schedule a glass appointment online through that page.
Is the Farmers glass buyback worth it?
It's most useful if you carry a high comprehensive deductible, drive a lot of highway miles or live where gravel trucks are common. If you're already in a zero-deductible state, or your deductible is low, ask your agent what the option costs before adding it.
Sources
- Farmers Insurance: Auto Insurance Coverages (accessed Oct 2026)
- Farmers Insurance: Does Insurance Cover Windshield Replacement? (accessed Oct 2026)
- Farmers Insurance: Do I Have Coverage for a Shattered Windshield? (accessed Oct 2026)
- Farmers Insurance: Glass Repairs (accessed Oct 2026)
- Safelite: Farmers Windshield Repair and Replacement (accessed Oct 2026)
- Florida Senate: Florida Statutes 627.7288 (accessed Oct 2026)
- Kentucky General Assembly: KRS 304.20-060 (accessed Oct 2026)
- South Carolina Department of Insurance: Auto Insurance FAQ (accessed Oct 2026)
- South Carolina Legislature: H.4817 Insurance Rate Reduction and Policy Holder Protection Act (accessed Oct 2026)
