In most states, a cracked windshield means either opening your wallet or ignoring the damage until it evolves into a full-on spiderweb of doom. But in Florida? Things are different. Welcome to the only state where your auto glass problems can legally disappear without disappearing your bank account.
Thanks to a driver-friendly law, Florida residents with the right insurance are entitled to free windshield replacement—yes, free, as in zero deductible. It’s one of the few times you can break something and not break the bank.
Let’s decode this glassy gift from Tallahassee and show you how to take full advantage of it.
Florida Windshield Coverage Options by Insurance Type
| Insurance Type | Deductible for Windshield | Coverage Details |
| Liability Only | No coverage | Damage to your own windshield is not covered under liability-only policies. |
| Comprehensive Coverage | $0 deductible in Florida | Florida law waives the deductible for windshield replacement under these policies. |
| Collision Only | No windshield coverage | Collision insurance covers crash-related repairs, but not glass damage unless related. |
| Full Coverage (Comp + Collision) | $0 deductible (if comp included) | Full coverage includes windshield protection with no out-of-pocket costs. |
| Commercial Auto Insurance | Varies | Coverage varies; some policies include no-deductible glass replacement, others don’t. |
Understanding which type of insurance you have is half the battle. The other half? Knowing your rights under state law.
Benefits of the Florida Windshield Replacement Law
$0 Deductible Protection
Under Florida Statute §627.7288, any driver with comprehensive coverage can have their windshield replaced without paying a deductible. That’s right—no copay, no upfront costs, no “surprise” fees when you show up at the shop.
State-Mandated Coverage
This isn’t a courtesy from insurers—it’s the law. Every insurance provider offering comprehensive auto policies in Florida is required to comply. The statute puts drivers first and holds insurers accountable.
Safety First, Always
Driving with a cracked windshield is not just frustrating—it’s dangerous. It reduces visibility, weakens your car’s structural integrity, and can even cause airbags to malfunction. This law removes the financial hesitation, encouraging you to fix minor damage before it becomes a major safety hazard.
Insurance Claims Simplified
Gone are the days of playing phone tag with your insurance company. Most reputable auto glass shops in Florida handle the claim directly with your insurer. You book the service, they handle the paperwork, and your new windshield is installed—without the headache.
Mobile Service at No Extra Cost
To top it all off, many Florida auto glass providers offer mobile service at no additional charge. Whether you’re parked at work, home, or the beach, a certified technician will come to you, tools in hand and ready to swap out your broken view.
Why the Law Matters for Florida Drivers
Frequent Windshield Damage
Florida is a windshield’s worst nightmare. Between sprawling highways, relentless construction zones, and tropical downpours that turn debris into airborne missiles, chips and cracks are all too common. This law helps drivers stay ahead of the damage.
Protects Drivers Financially
Without this regulation, windshield replacements could cost anywhere from $200 to $400—or more for high-tech glass. The law shifts the burden away from your wallet and onto your insurer (as it should).
Insurance Compliance Isn’t Optional
Insurers can’t dodge or deny this. If you have a qualifying policy, they must provide windshield replacement with zero deductible. This levels the playing field for drivers, ensuring consistent protection across the board.
Timely Repairs = Safer Roads
When cost is no longer a barrier, people are far more likely to fix windshield damage right away. That leads to better visibility, stronger windshields, and safer conditions for everyone on the road.
What Is Florida Statute §627.7288?
This magical little clause is the legal backbone of your free windshield replacement rights. Here’s the short version:
“A deductible for windshield damage may not be applied under comprehensive coverage in the state of Florida.”
Translation? If you’ve got comprehensive insurance, and your windshield is chipped, cracked, or shattered—your insurer must pay the full cost to replace it. No loopholes. No fine print trapdoors.
The statute also gives you the right to choose your own auto glass provider. That means you’re not locked into using your insurance company’s “preferred” shop (which sometimes translates to cheapest available option). You get to pick who does the job, so long as they’re licensed.
Don’t Forget About ADAS Calibration
Modern vehicles are equipped with ADAS (Advanced Driver Assistance Systems), including lane-keeping assist, adaptive cruise control, and automatic emergency braking. These features often rely on cameras and sensors mounted on or behind your windshield.
If your car falls into this high-tech category, replacing the windshield isn’t the end of the job. You’ll need ADAS recalibration to make sure all those smart safety systems are working properly. This is a critical step—and while it might not be included under the no-deductible rule, many providers offer it at a discounted rate during replacement.
Better yet, some insurers may cover it as part of your claim. Always ask.
Frequently Asked Questions
Does Florida still replace windshields for free?
Yes, if you have comprehensive auto insurance. Florida law requires insurance companies to replace your windshield at no cost to you. The law is still in effect and widely applied.
What is the windshield rule in Florida?
Florida Statute §627.7288 mandates that insurers waive the deductible for windshield replacement under comprehensive coverage. It applies only to windshields—not side or rear windows.
How many times can you claim a windscreen?
There’s no legal limit to the number of times you can claim windshield replacement in Florida. However, excessive claims could affect your premiums—so don’t turn it into a hobby.
How much does it cost to replace a windshield in Florida?
Out of pocket? Expect to pay $200 to $400, depending on your car model and glass type. With comprehensive coverage? Zero. Nada. Zilch.
Do you have to pay a deductible for a cracked windshield in Florida?
Not if you have comprehensive insurance. Florida’s law ensures a $0 deductible for all windshield replacements covered under comprehensive policies.
Cracks in your windshield may be inevitable in Florida—but paying for the replacement? Totally optional. Thanks to a savvy bit of legislation, Florida drivers can enjoy fast, safe, no-cost windshield replacements with just a simple insurance claim.
You deserve to drive with confidence, clarity, and without worrying about how much that flying pebble just cost you.
Ready to replace that windshield? It’s your legal right—and we’re here to help you claim it.