Auto Glass Insurance Made Simple in Colorado & Arizona
At Jiffy Auto Glass, we work directly with all major insurance providers to make your auto glass insurance claims simple and stress-free. Our team verifies your coverage, files the claim, and completes the repair or replacement quickly — so you avoid the hassle of paperwork and get back on the road safely.With more than a decade of experience, certified technicians, and hundreds of 5-star reviews, we’ve helped Colorado and Arizona drivers navigate glass insurance claims of every kind — from chip repairs covered at no cost to full replacements under $0 deductible coverage.
How Auto Insurance With Glass Coverage Works
Colorado Auto Glass Insurance (Front Range & Foothills)
Colorado drivers deal with some of the highest rates of windshield damage in the U.S. Fortunately, state law provides added protection.
Comprehensive Coverage: Windshield and auto glass damage is covered under comprehensive insurance, not collision.
Zero-Deductible Glass Coverage Option: Under Colorado Revised Statutes § 10-4-613, insurers are required to offer the option of $0 deductible glass coverage. If you choose this endorsement, your windshield replacement may cost you nothing out-of-pocket.
Your Rights: Insurers cannot penalize you for selecting your own provider. You always have the right to choose Jiffy Auto Glass instead of a “preferred” shop.
Premiums: A single glass claim typically does not raise your rates, though frequent claims can.
Learn more in our Using Insurance for a Broken Windshield in Colorado guide.
Arizona Auto Glass Insurance (Phoenix Metro & Valley)
Arizona drivers benefit from some of the strongest glass coverage protections in the country.
ARS § 20-263: Arizona law requires insurers to offer $0 deductible glass coverage with comprehensive insurance.
No Rate Increases: By law, insurers cannot raise your premiums for a glass-only claim.
Free Repairs: Many Arizona drivers qualify for free auto glass repair or replacement under their policy.
Coverage Areas: We serve Phoenix, Mesa, Scottsdale, Chandler, Gilbert, and the wider Valley.
Read more in our Arizona Windshield Replacement Law overview and How to File an Auto Glass Insurance Claim in Arizona.
Top Providers Our Customers Use Most
We frequently process auto glass insurance claims for:
USAA – popular with military families; most members qualify for $0 glass deductible in Colorado and Arizona.
GEICO – comprehensive policies often include full windshield coverage; we handle direct billing.
State Farm – one of the largest insurers in both states, with strong glass coverage options.
Allstate – offers glass endorsements that can reduce or eliminate deductibles.
Colorado Farm Bureau Insurance – local expertise with glass coverage add-ons.
Progressive – quick digital claims process, often approved same-day.
Nationwide – comprehensive plans typically cover weather- and debris-related glass damage.
American Family – competitive in both CO and AZ; many customers add the $0 glass rider.
Travelers – replacement usually covered under comprehensive with optional glass waiver.
Liberty Mutual – glass claims often processed without premium increases when under comprehensive.
We also handle claims with Farmers, AAA, MetLife, Esurance, The Hartford, and many more.
Why Drivers Trust Jiffy Auto Glass
Experience: Over 10+ years serving Colorado & Arizona drivers.
Expertise: Certified, continuously trained technicians using OEM-grade glass and adhesives.
Authority: In-network provider for major insurers, handling thousands of claims each year.
Trust: Backed by Jiffy Auto Glass reviews and a proven track record of making insurance simple.
We also offer competitive discounts and special offers for cash-pay customers or when insurance doesn’t apply.
FAQ About Auto Glass Insurance:
: Will filing a glass claim raise my insurance?
Colorado: Typically no, unless you file claims often.
Arizona: State law (ARS § 20-263) prohibits insurers from raising your rates for glass-only claims.
: Do I need to call my insurance company first?
No. In both Colorado and Arizona, you can call Jiffy Auto Glass first. We verify your auto glass insurance coverage, file the claim with your insurer, and schedule your repair or replacement — so you don’t have to manage the paperwork.
: Can I choose Jiffy if my insurer lists “preferred shops”?
Yes. In both states, you always have the right to choose your provider. Colorado Revised Statutes § 10-4-613 and Arizona insurance law prohibit insurers from steering you to a specific shop. Whether it’s GEICO auto glass repair, Progressive windshield crack repair, USAA windshield replacement, Liberty Mutual windshield replacement, or Nationwide insurance windshield repair, we process claims directly with your insurer.
: How can I get my windshield replaced for free?
- Colorado: If you’ve opted into the $0 deductible glass endorsement (C.R.S. § 10-4-613), your replacement may be free. For drivers without coverage, here’s what windshield replacement costs without insurance.
- Arizona: Under ARS § 20-263, insurers must offer a $0 glass deductible option. If you carry comprehensive coverage with that option, your replacement could cost you nothing. Learn more in our Arizona Windshield Replacement Law guide.
: How much does windshield replacement cost without insurance?
In both Colorado and Arizona, expect:
Repairs: $50–$75 for chips and small cracks.
Replacements: $250–$450 for most vehicles, $800–$1,200+ for luxury or ADAS-equipped vehicles.
See our Windshield Replacement Cost Without Insurance guide.
: Does my deductible cover multiple broken windows?
Yes. In both states, deductibles apply per incident — not per window. If hail or vandalism damages your windshield, side, and rear glass at once, your deductible is paid once for the whole claim.
: Which Insurance Companies Cover Insurance Windshield Replacement?
We work with all major insurance providers, including:
- State Farm Insurance Windshield Replacement
- GEICO Auto Glass Claims
- Progressive Windshield Coverage
- Allstate Windshield Replacement Insurance
- USAA Auto Glass Policy
- Farmers Insurance Windshield Coverage
- Liberty Mutual Auto Glass
- Nationwide Insurance Windshield Repair
Don’t see your provider listed? Contact us—we likely work with them as well.
: Does auto insurance cover windshield damage from weather?
Yes. In both Colorado and Arizona, windshield damage caused by weather or environmental conditions is covered under comprehensive insurance (not collision).
Colorado: Hail is one of the most common causes of auto glass claims. If your car is caught in a hailstorm, your comprehensive coverage pays for all broken windows (windshield, side, and rear) with one deductible per incident. Colorado consistently ranks among the top states for hail-related auto insurance claims. Learn more in our Windshield Hail Damage Guide.
Arizona: Extreme heat and dust storms are frequent culprits. Heat can cause existing chips to spread into large cracks, and flying rocks or debris from haboobs and desert highways often damage windshields. These are considered “no-fault” events, so they fall under comprehensive coverage. Arizona law (ARS § 20-263) also ensures insurers offer a $0 deductible option, so many drivers pay nothing out of pocket for weather-related damage. Read our Arizona Windshield Replacement Law Guide.
Tip: If you live in Colorado’s Front Range or Arizona’s Valley, consider adding $0 glass coverage to your comprehensive policy to avoid surprise costs during storm season.
Get a Free Insurance Coverage Check for Your Windshield Replacement or Auto Glass Repair
Your right to choose is fundamental, and at Jiffy Auto Glass, we respect your autonomy when it comes to your auto glass services. Contact us today to explore your insurance options and experience hassle-free auto glass repair and replacement in Colorado Front Range & Foothills and Phoenix Metro Valley area.