Living in Arizona, drivers are no strangers to the risks that come with driving through a landscape filled with dust storms, monsoons, and plenty of loose debris. It’s common to hear the dreaded sound of a rock hitting your windshield, potentially causing significant damage. Given the state’s rapid growth and the increase in construction traffic, it’s no surprise that Arizona sees a substantial percentage of all auto glass claims filed in the U.S.
If you’re wondering about the specifics of windshield coverage and whether it’s mandatory in Arizona, here’s what you need to know.
Windshield Coverage: What You Need in Arizona
In Arizona, drivers are required by law to have insurance that includes coverage for windshield damage. This is especially important because of the frequent risks posed by flying debris, such as rocks, gravel, or dust kicked up from other vehicles. Not having this coverage can leave you vulnerable to expensive repair or replacement costs.
If you’re driving in Arizona, particularly in cities like Phoenix or Tucson, where dust storms are common and road conditions can be unpredictable, windshield damage is almost inevitable. It’s not a question of if it will happen, but when.
Arizona’s Windshield Replacement Law
According to Arizona’s ARS 20-263 law, if a crack on your windshield obstructs the driver’s line of sight, the windshield must be replaced. For example, a crack longer than the size of a dollar bill on the driver’s side is considered a hazard. One of the benefits of Arizona law is that if your windshield is cracked, you can file a “no fault” claim for replacement, and it won’t affect your insurance premiums.
Zero-Deductible Windshield Coverage in Arizona
Arizona is one of six states that requires insurance companies to offer an option for zero-deductible windshield glass replacement under comprehensive coverage. This means that if you have comprehensive coverage, you can choose a policy that covers all the costs of replacing or repairing your windshield without paying a deductible.
If you do not have insurance or are paying out of pocket for a windshield replacement, the cost can range from $200 to $1,000, depending on your vehicle’s make and model. Most vehicles will fall within the $200 to $300 range, but keep in mind that installation fees may apply.
How to Get Windshield Coverage
There are multiple ways to ensure that your windshield is covered in case of damage. You can either add coverage through your car insurance company or purchase a standalone windshield insurance policy.
The most cost-effective option for many drivers is to include windshield coverage as part of a comprehensive auto insurance policy. While this may not be a legal requirement, most major insurance providers offer discounts if you bundle multiple coverage types together. This can be a great way to save on premiums while still ensuring that your car, including the windshield, is adequately protected. However, it’s crucial to avoid purchasing unnecessary coverage just to get a lower rate.
Consult an Expert for the Best Deal
It’s always a good idea to consult an insurance professional when considering windshield coverage options. Not all policies are created equal, and without fully understanding your coverage, you may find yourself paying more out-of-pocket than expected. At Insurance Professionals of Arizona, we can help you navigate the insurance landscape and find the right coverage at the best price.
Conclusion
In Arizona, having windshield coverage is not just a good idea — it’s a requirement for most drivers. Whether you add it to your existing auto insurance policy or purchase a standalone policy, it’s essential to ensure that your windshield is covered to avoid costly repairs. Make sure to take the time to review your options, understand the details of your coverage, and speak with a professional to ensure you’re getting the best deal.
