A chipped windshield might seem like a minor annoyance—until that little crack begins spreading across your line of sight like an uninvited spider at a tea party. Fortunately for Floridians, there’s good news: if you have comprehensive auto insurance, you may not have to pay a single cent to fix or replace your windshield. Yes, really.
Welcome to the sunshine state, where the skies are blue, and windshield laws are in your favor.
Windshield Replacement Options in Florida
| Service Type | Eligibility | Cost to Driver | Description / Features |
| Insurance-Covered Replacement | Florida full coverage | $0 (No deductible) | Covered by Florida law with comprehensive insurance; includes OEM or high-grade glass. |
| Out-of-Pocket Replacement | No insurance / liability only | $200 – $400 | Entire cost paid by the driver; pricing depends on vehicle model and glass specs. |
| Mobile Windshield Replacement | Most insurance plans | $0 or minimal fee | On-location service at home, work, or roadside. |
| Windshield Chip Repair | Insurance or out-of-pocket | $0 – $100 | Prevents cracks from spreading; quick fix, often free with insurance. |
| ADAS Calibration Add-on | Vehicles with driver-assist tech | $75 – $250 | Post-replacement recalibration for lane departure, auto-brake, and safety systems. |
Florida drivers have options, but understanding which one is right for you begins with understanding the law.
Benefits of Free Windshield Replacement in Florida
No Deductible—No Catch
Florida isn’t just about oranges and alligators. Thanks to Florida Statute 627.7288, comprehensive insurance holders enjoy zero-deductible windshield replacement. That means if your policy includes comprehensive coverage, you don’t pay out of pocket—at all.
It’s Not a Perk. It’s the Law.
Yes, this is a legal right. Insurers are required by Florida law to waive your deductible for windshield replacement. This isn’t some “optional coverage add-on” buried in fine print—it’s state-mandated. If your insurance company says otherwise, they’re wrong. Or possibly confused. Either way, we can help straighten it out.
Free Mobile Service
Too busy to swing by a shop? No problem. Most certified providers offer mobile windshield replacement at your home, office, or even parking garage. You sip your coffee—we’ll handle the glass.
Safer Driving, Fewer Headaches
A cracked windshield isn’t just ugly—it’s unsafe. It distorts your vision, compromises structural integrity in a crash, and can fail to support airbags correctly. Getting a free replacement means you can prioritize safety without stressing over the price.
We Handle the Paperwork
We speak fluent insurance. Instead of dealing with hold music and endless forms, let us handle the red tape. From claim submission to installation, our team walks you through the entire process.
Why Choose Our Auto Glass Experts in Florida
Fully Licensed and Insured
We meet—and often exceed—state certification requirements. You’re not trusting your windshield to a shady pop-up service with questionable adhesives. You’re getting expert-level work from seasoned professionals.
Same-Day Service
Florida weather is unpredictable, and driving with a cracked windshield during a sudden downpour? Not fun. That’s why most of our replacements are completed the same day you call.
Approved by Major Insurers
We work hand-in-hand with all major insurance carriers in Florida. That means faster approvals, fewer headaches, and less back-and-forth when it’s time to file a claim.
OEM or Equivalent Glass Only
Your car is no place for low-budget substitutes. We use Original Equipment Manufacturer (OEM) or equivalent-grade glass, along with industrial-strength adhesives that keep everything sealed, secure, and squeaky clean.
Lifetime Warranty
We don’t believe in shortcuts. Every replacement comes with a warranty that covers leaks, defects, and bad installation—for life. If something goes wrong, we’ll make it right.
Florida Windshield Law: What It Means for You
Florida Statute 627.7288 is a game-changer. Here’s the breakdown in plain English:
- If your auto insurance policy includes comprehensive coverage, your insurer must cover windshield replacement with no deductible.
- The law applies only to windshields, not side or rear windows.
- You are not required to use your insurer’s preferred shop—you have the right to choose your own certified provider.
- You can often receive mobile service at no extra charge.
- The law applies statewide, regardless of your provider.
This statute was created to encourage safer roads. A clear windshield = better visibility = fewer accidents. And fewer accidents benefit everyone.
What About Side and Rear Windows?
Bad news: Florida’s no-deductible rule applies only to windshields. Side and rear glass are still covered under your comprehensive policy, but they usually require meeting a deductible before your insurance kicks in.
Good news: Our team can still help you minimize out-of-pocket costs. In many cases, we can work directly with your insurance to lower or waive those expenses—or at least provide a crystal-clear quote upfront.
ADAS Calibration: The Crucial Final Step
If your car comes with smart safety features—lane departure alerts, automatic braking, collision warnings—those systems often rely on sensors mounted behind your windshield. When the glass is replaced, those sensors must be precisely recalibrated.
Ignoring this step is like replacing the lens on a camera and not focusing it afterward—what’s the point?
We offer on-site ADAS recalibration so your safety systems function flawlessly once your new windshield is installed.
Frequently Asked Questions
Is windshield replacement covered by insurance in Florida?
Yes—if you have comprehensive coverage. Florida law mandates that insurers must cover 100% of windshield replacement costs for policyholders with comprehensive plans. No deductible. No catch.
What is the windshield rule in Florida?
Florida Statute 627.7288 states that insurance providers must waive the deductible for windshield replacement if you have comprehensive auto insurance. This only applies to windshields—not side or rear windows.
Do Florida residents get a free windshield replacement?
Yes, if they carry comprehensive auto insurance. The replacement is completely free under state law—no deductible, no hidden fees.
How much does windshield replacement cost in Florida?
If you’re paying out of pocket, costs range from $200 to $400 depending on your vehicle type and glass quality. But with comprehensive insurance? It’s free.
Do I have to pay a deductible for windshield replacement in Florida?
Not if you have comprehensive coverage. Florida law ensures zero deductible windshield replacement—making it one of the few states with such consumer-friendly protection.
Ready for a Clear View?
If you’re staring through a spiderweb of glass every time you hit the road, it’s time for a fix. And in Florida, you don’t have to pay a dime to get it done. With comprehensive insurance, you have the legal right to a free windshield replacement—no deductible, no delays, and no nonsense.
Our team is standing by to bring the shop to you, file your insurance claim, install premium-grade glass, and get you safely back on the road.
Schedule your free windshield replacement today. Because Florida roads should be sunny, not blurry.