Arizona Auto Glass Insurance Claims: Your Complete Guide to Free Windshield Replacement
Arizona’s Zero-Deductible Windshield Law
Arizona Revised Statute §20-263 gives drivers a powerful benefit: if you carry comprehensive coverage with full glass protection, you can replace or repair your windshield with no deductible.
That means you pay $0 out of pocket, and your insurance provider cannot raise your premium for making a windshield claim.
What’s Covered Under Comprehensive Insurance
Auto glass claims fall under your comprehensive policy, not liability coverage. This includes:
- Windshield cracks and chips from rocks, debris, or weather damage
- Side and rear glass damage
- Sunroof or mirror replacement
If you have liability-only insurance, glass repairs won’t be covered — but Max Auto Glass offers affordable out-of-pocket pricing.
How to File an Auto Glass Insurance Claim in Arizona
Filing a claim is simple — and we can do most of the work for you.
- Contact Max Auto Glass. We’ll connect with your insurer through a quick 3-way call or file your claim online.
- Provide basic details. Share when and how the damage occurred. Some insurers may ask for a quick photo.
- Choose your repair shop. Arizona law lets you choose your own provider — and Max Auto Glass is a preferred, in-network partner for all major insurance companies.
We coordinate directly with your insurer so you can skip the paperwork and get back on the road fast.
Repair vs. Replacement
- Windshield Repair: If your chip is smaller than a quarter, it can usually be fixed in minutes without filing a claim.
- Windshield Replacement: For long cracks, shattered glass, or ADAS-equipped vehicles, full replacement is required. With comprehensive coverage, it’s typically 100% covered under Arizona’s zero-deductible law.
How Much Does Windshield Replacement Cost in Arizona?
If you have comprehensive insurance, your replacement is usually free.
If you don’t have coverage:
- Chip repairs range from $65–$100
- Full replacements can range from $200–$1,000+ depending on the vehicle and glass type
Max Auto Glass offers competitive local pricing and fast service for all makes and models.
Will Filing a Glass Claim Affect My Insurance Rates?
No — under Arizona law, insurance companies cannot increase your rates just for filing a windshield replacement claim under comprehensive coverage.
However, multiple claims or unrelated factors could still influence your future premium, so it’s smart to keep records of all repairs.
ADAS Recalibration for Modern Vehicles
Many new vehicles include Advanced Driver Assistance Systems (ADAS) such as lane-departure warnings, adaptive cruise control, and automatic braking.
After windshield replacement, these systems may need recalibration — and Max Auto Glass provides this service on-site to ensure your sensors and cameras function safely.
Why Choose Max Auto Glass in Arizona?
If you’re dealing with a cracked windshield or need auto glass repair in Tucson, Phoenix, or the surrounding cities, Max Auto Glass is the reliable, local option backed by our strong customer feedback and industry standards. As the auto glass division of The Sun Auto Network, we combine expertise with convenience, serving the Tucson and Phoenix areas. Here’s a breakdown of key reasons to go with Max Auto Glass based on our services, certifications, and real customer experiences:
