Progressive waives your glass deductible automatically in three states — Florida, Kentucky, and South Carolina — and offers optional $0 glass deductible add-ons in Arizona, Connecticut, Massachusetts, Minnesota, and New York. Whether you pay anything out of pocket for a windshield replacement through Progressive depends entirely on where your car is registered and what coverage options you selected when you bought your policy. This guide breaks down every state where you can get a $0 glass deductible with Progressive, what the law actually requires, and how to file a claim.
Key Takeaways
- Three states — Florida, Kentucky, and South Carolina — mandate $0 deductible windshield replacement by law for all drivers with comprehensive coverage, including Progressive policyholders.
- Five additional states — Arizona, Connecticut, Massachusetts, Minnesota, and New York — require Progressive and other insurers to offer optional $0 glass deductible coverage for an additional premium.
- South Carolina's 37-year-old zero-deductible glass law may end January 1, 2027. House Bill 4817 would allow insurers to apply a deductible (capped at $100) starting next year (Insurance Journal, May 2026).
- In all other states, Progressive covers windshield damage under your comprehensive policy, but you pay your standard comprehensive deductible — typically $250 to $1,000.
- Progressive waives the deductible for windshield repairs (not replacement) on chips smaller than six inches in many states, even without the $0 glass add-on.
How Progressive Glass Coverage Works
Progressive's glass coverage falls under your comprehensive insurance policy. Comprehensive covers damage from events other than collisions — falling debris, hail, vandalism, animals, and yes, rock chips that crack your windshield. If you only carry liability insurance, Progressive will not cover any glass damage regardless of which state you live in.
When you file a glass claim with Progressive, two things determine what you pay out of pocket: your state's glass laws and the type of damage. In states with mandatory $0 deductible laws, Progressive cannot charge you a deductible for windshield work. In states with optional $0 glass coverage, you pay nothing only if you elected that add-on when you purchased your policy. In all other states, your standard comprehensive deductible applies — though Progressive often waives the deductible for minor chip repairs under six inches.
Glass claims typically do not raise your Progressive premium. Most insurers, Progressive included, treat glass-only claims as a zero-fault event, which means filing a windshield claim should not trigger a rate increase at renewal (Progressive, "Glass Repair vs. Replace FAQ," retrieved August 2026).
States Where Progressive Must Waive the Glass Deductible
Three states have laws that prohibit insurers from applying a deductible to windshield replacement claims. If you carry comprehensive coverage with Progressive in any of these states, you pay $0 out of pocket — no add-on required, no special endorsement, no negotiation.
Florida
Florida Statute §627.7288 requires insurers to include full glass coverage with zero deductible for any policyholder who carries comprehensive insurance. This applies to windshield replacement and repair. Florida's law is the strongest in the country — there are no exceptions, no caps, and no opt-out provisions. Progressive must cover the full cost of OEM or equivalent windshield replacement for Florida policyholders with comprehensive coverage.
Kentucky
Kentucky Revised Statute §304.39-130 exempts safety glass from comprehensive deductibles. The law applies specifically to the windshield and is mandatory for all insurers doing business in Kentucky. Progressive policyholders with comprehensive coverage get $0 deductible windshield replacement by default. Kentucky's law has been in place since the 1980s and faces no current legislative challenges.
South Carolina
South Carolina Code §38-77-160 has exempted auto glass from comprehensive deductibles for 37 years. If you carry comprehensive coverage with Progressive in South Carolina, windshield replacement costs you nothing out of pocket today. However, this may be changing. House Bill 4817, the Insurance Rate Reduction and Policyholder Protection Act, passed the South Carolina House in May 2026 and would allow insurers to apply a deductible to glass claims starting January 1, 2027. A late Senate committee amendment proposed capping that deductible at $100 (Insurance Journal, May 4, 2026). If the bill passes as written, South Carolina would drop from the mandatory $0 list.
States Where Progressive Offers Optional $0 Glass Coverage
Five states require insurers to offer a $0 glass deductible option, but they do not mandate it. In these states, you need to actively add the coverage to your Progressive policy — it is not included by default, and it costs an additional premium, typically $1 to $5 per month depending on the state and vehicle.
Arizona
Arizona requires all insurers offering comprehensive auto coverage to also offer optional zero-deductible glass coverage (Arizona Revised Statutes §20-263). Arizona's high desert climate and heavy highway gravel make windshield damage extremely common — the state consistently ranks among the highest for glass claims per capita. Most Progressive policyholders in Arizona elect this add-on, and the additional premium is typically modest because insurers spread the cost across a large pool of participants.
Connecticut
Connecticut General Statutes §38a-327 requires insurers to offer "complete coverage for repair or replacement of all damaged safety glass without regard to any deductible or minimum amount." This covers windshields, side windows, and rear glass — a broader scope than some other states. Progressive offers this as a full glass endorsement in Connecticut.
Massachusetts
Massachusetts law requires insurers to offer a $100 deductible option for auto glass damage under comprehensive coverage (Massachusetts General Laws Chapter 175, §113B). While this is not technically a $0 deductible, it is significantly lower than the standard $500 to $1,000 comprehensive deductible. Progressive offers Massachusetts policyholders the choice between their standard comprehensive deductible and the reduced glass-specific deductible.
Minnesota
Minnesota Statutes §65B.48 requires insurers to offer a comprehensive coverage option with zero deductible for glass-only claims. Progressive policyholders in Minnesota can elect this add-on during enrollment or at renewal. The coverage applies specifically to safety glass — windshield, side windows, and rear window.
New York
New York Insurance Law §3411 allows insurers to sell glass coverage without a deductible, separate from the comprehensive deductible. Progressive offers New York policyholders an optional full glass endorsement that covers windshield repair and replacement with no out-of-pocket cost. This is treated as a standalone coverage rather than a modification to the comprehensive deductible.
What About Every Other State?
In the remaining 42 states and Washington D.C., Progressive covers windshield damage under your comprehensive policy at your chosen comprehensive deductible. If your deductible is $500, you pay $500 toward a windshield replacement that costs $400 to $1,500 depending on the vehicle, and Progressive pays the rest.
There is one important exception: Progressive often waives the deductible for windshield repairs (not full replacements) when the chip or crack is smaller than six inches. This is a company policy, not a state law, and Progressive can change it at any time. But as of 2026, getting a small chip repaired through Progressive is often free even in states with no glass-friendly laws.
If you live in a state without mandatory or optional $0 glass coverage and want to minimize windshield costs, choose the lowest comprehensive deductible available when setting up your policy. Progressive offers deductibles as low as $100 in most states, though a lower deductible increases your monthly premium. For drivers in states with frequent glass damage — areas with heavy highway construction, gravel roads, or extreme temperature swings — the lower deductible often pays for itself. For more on how glass damage costs break down, see our windshield replacement cost guide.
How to File a Progressive Glass Claim
Filing a glass claim with Progressive takes about 10 minutes regardless of which method you use. Here is the step-by-step process.
Step 1: Check your coverage
Log into your Progressive account (online or app) and verify you have comprehensive coverage. If you are in a $0 deductible state or have the glass add-on, your policy summary will reflect that. If you only have liability, glass damage is not covered.
Step 2: File the claim
You have three options for filing:
- Online: Visit Progressive's claims portal, select "Auto" as the policy type, enter your policy number, and describe the glass damage. The system will guide you through selecting whether the damage is repairable or requires replacement.
- Mobile app: Open the Progressive app, tap "File a Claim," and follow the prompts. You can upload photos of the damage directly from your phone.
- Phone: Call Progressive's claims center at 1-800-776-4737. A representative will walk you through the process and can schedule a repair appointment for you.
Step 3: Choose a glass provider
Progressive works with Safelite AutoGlass as its primary network partner, but you are not required to use Safelite. You can choose any licensed auto glass repair shop. If you use an out-of-network provider, Progressive will reimburse you based on their approved rates, which may not cover the full cost at some shops.
Step 4: Get the work done
Most windshield replacements take 60 to 90 minutes. Mobile service is available from most major glass providers — they come to your home or workplace. After replacement, allow the adhesive to cure for at least one hour before driving, and avoid car washes for 48 hours.
Step 5: ADAS recalibration
If your vehicle has a forward-facing camera mounted to the windshield — common on 2018 and newer models — the ADAS system needs recalibration after windshield replacement. Progressive covers ADAS recalibration as part of the glass claim in most cases, but confirm this with your claims adjuster before the work begins. Recalibration adds $150 to $500 to the total cost and requires specialized equipment. See our guide on windshield repair vs replacement for more on when recalibration is required.
Repair vs. Replacement: When Progressive Waives the Deductible
Understanding the difference between repair and replacement matters because Progressive treats them differently for deductible purposes.
Windshield repair fills small chips and cracks (generally under six inches) with resin. The process takes 30 minutes and costs $50 to $150. Progressive waives the deductible for repairs in most states, even when you do not have $0 glass coverage. This is a company-wide policy designed to encourage early repair, which prevents small chips from spreading into full cracks that require expensive replacement.
Windshield replacement removes the entire windshield and installs a new one. This costs $200 to $1,500 depending on the vehicle, glass type (OEM vs. aftermarket), and ADAS requirements. Your deductible applies to replacements unless you live in a mandatory $0 state or have the optional $0 glass add-on.
The takeaway: if you notice a small chip, file a repair claim immediately before it spreads. You likely pay nothing for the repair, regardless of your state. Wait too long and a chip turns into a crack that requires full replacement — and your $500 deductible. For chip repair options you can try yourself, check out our roundup of windshield repair kits.
Does a Progressive Glass Claim Raise Your Rates?
In most cases, no. Progressive and the broader insurance industry generally treat glass-only comprehensive claims as non-chargeable events. A windshield replacement filed under comprehensive coverage should not increase your premium at renewal. This holds true in all 50 states, though Progressive reserves the right to consider claims history during underwriting.
That said, filing multiple glass claims in a short period could draw scrutiny. If you file three or more glass claims within 12 months, an underwriter may review your account — not to surcharge you, but to investigate whether there is a pattern of fraud or a coverage issue. One or two glass claims per year is standard and should not affect your rates.
For a broader look at how different carriers handle windshield claims, compare State Farm windshield coverage, GEICO windshield coverage, and our upcoming Allstate windshield coverage guide.
Sources
- NHTSA Windshield Safety Standards — federal windshield safety requirements
- Auto Glass Safety Council — auto glass repair and replacement standards
- Insurance Information Institute — auto insurance claims statistics
- National Association of Insurance Commissioners — state insurance commissioner consumer resources
Frequently Asked Questions
Does Progressive cover windshield replacement for free?
Progressive covers windshield replacement at $0 out-of-pocket cost in three states — Florida, Kentucky, and South Carolina — where state law prohibits glass deductibles for comprehensive policyholders. In Arizona, Connecticut, Massachusetts, Minnesota, and New York, Progressive offers optional $0 glass coverage for an additional premium. In all other states, your comprehensive deductible applies to windshield replacement, though Progressive often waives the deductible for minor chip repairs under six inches.
How much does Progressive's $0 glass deductible add-on cost?
In states where Progressive offers optional $0 glass coverage (Arizona, Connecticut, Massachusetts, Minnesota, New York), the add-on typically costs $1 to $5 per month, or $12 to $60 per year. The exact cost depends on your state, vehicle type, and driving history. You can add it to your policy at any time through your Progressive account or by calling your agent.
Will South Carolina lose its free windshield replacement law?
Possibly. House Bill 4817, which passed the South Carolina House in May 2026, would end the state's 37-year-old zero-deductible glass law starting January 1, 2027. A Senate amendment proposed capping the new glass deductible at $100. As of August 2026, the bill has not been signed into law, so the current $0 deductible protection remains in place through the end of 2026 at minimum.
Does Progressive cover side windows and rear glass with the $0 deductible?
It depends on the state. Florida and Kentucky's mandatory $0 deductible laws apply primarily to windshields (safety glass). Connecticut's optional full glass endorsement covers all safety glass including side and rear windows. Arizona and Minnesota's optional coverage also extends to all auto glass. Check your specific Progressive policy language, as coverage scope varies by state and endorsement type.
Can I choose my own glass shop for a Progressive windshield claim?
Yes. Progressive partners with Safelite AutoGlass as its primary network provider, but you have the right to choose any licensed auto glass shop in every state. If you use an out-of-network provider, Progressive reimburses based on their approved rate schedule, which may not cover the full invoice at premium shops. Ask your chosen provider whether they accept Progressive direct billing before scheduling the work to avoid out-of-pocket surprises.
