In Michigan, auto insurance can cover windshield repairs or full replacements under certain types of coverage. If you need to replace your windshield, you will need to pay any applicable deductible.
Can I get a free windshield replacement in Michigan? That’s where Save On Auto Glass steps in. We will pay your deductible. Drop by any of our locations for same-day service, waived deductibles, and instant rebates.
What Kind of Insurance Covers Windshields in Michigan?
If your policy includes comprehensive coverage, there’s a good chance your insurance will pay for a repair or replacement if the damage wasn’t caused by an accident. Non-accidental damage can cause chips or breaks in your windshield from road debris, hail, vandalism, or even sudden temperature changes.
Collision coverage can also apply if your windshield damage happened during an accident, like if another car kicked up debris or you hit an object. If you only carry liability insurance, your windshield isn’t covered at all. Liability only helps with damage you cause to other people’s property, not your own.
Michigan’s Deductible Rules
In Michigan, there’s no special ‘free windshield law’ like some other states have. That means you may have to pay out of pocket before insurance picks up the rest—unless you understand the Michigan windshield deductible rules. If you have comprehensive coverage and your windshield needs repair or replacement, your insurance will likely help pay for it after you pay your deductible. Your deductible is the amount you agree to pay before insurance kicks in.
Some Michigan insurers will waive your deductible for a small chip repair because repairs cost much less than replacements. Fixing a chip early can also prevent a bigger claim later.
The Difference Between Repair and Replacement
Not every windshield problem means you need a brand-new one. Sometimes a quick repair will do the job.
If the damage is small, like a chip or a short crack under about six inches, and it’s not in your main line of sight, we can usually fix it. Repairs are faster, cost less, and many insurance companies in Michigan will cover them without making you pay a deductible. You’ll need a replacement if the crack is long or blocks your vision. In Michigan, most insurance policies will make you pay your deductible for a full replacement.
Repairs are cheaper for insurance companies, so they’re more likely to cover them at no cost to you. Replacements take more time, parts, and work, and often require safety recalibration, so your deductible usually applies.
How to Get Your Michigan Insurance to Pay for a Windshield Replacement
Nobody likes dealing with a broken windshield. It’s frustrating, unsafe, and always seems to happen at the worst possible time. Even a minor crack can turn into a lot of damage if you don’t fix it.
Here’s how to find out if your auto insurance will help cover the costs.
- Check your policy for comprehensive coverage
You can call your insurance company to check what kind of coverage you have. In Michigan, windshield replacements are usually only covered if you have comprehensive coverage. Liability-only policies will not pay for your own windshield damage.
- Understand your deductible
Most Michigan policies require you to pay your deductible before insurance pays the rest. For example, with a $250 deductible, if your replacement costs $500, insurance covers $250. Some insurers waive deductibles for minor repairs, but not for full replacements.
- Contact your insurance company right away
Tell them about the damage and ask if it’s covered. Ask if your policy covers the replacement and whether you can use the repair shop of your choice. In Michigan, you usually can.
- Pick a shop that works with your insurer
Choosing a repair shop that handles claims directly with insurance saves you time and stress. At Save On Auto Glass, we deal with your insurer for you, waive your deductible, or give you an instant rebate up to $100. That means you may pay nothing out of pocket.
- Get it fixed fast
Cracks grow quickly in Michigan’s changing weather. Acting fast can keep you safer and prevent more costly damage later.
The Save On Auto Glass Advantage
We are certified and approved by all major insurance companies. We waive deductibles for windshield replacements and windshield repairs. We also offer customers with a $0 deductible an instant rebate up to $100. That means you can often get your windshield repaired or replaced without paying anything up front.
For our out-of-pocket customers, windshield replacement starts at $99. Windshield repair costs $65, and windshield recalibration services start at $149. Here’s a breakdown of the cost of repairing a windshield chip without insurance.
Does Filing a Windshield Claim Raise My Insurance Rates in Michigan?
This is one of the first questions drivers ask. The answer is usually no. In most cases, a claim for windshield repair or replacement won’t cause your rates to go up in Michigan. That’s because it’s considered a “no-fault” or minor claim, not an at-fault accident.
However, every insurance company has its own rules. If you’ve had several claims in a short time, even for small issues, your insurer might review your policy at renewal.
Here’s the general rule:
- Single glass-only claim – Typically no effect on your premium.
- Multiple claims in a year – Could lead to a rate increase or higher deductible.
At Save On Auto Glass, we work with your insurance company to handle everything for you. We also waive your deductible or give you an instant rebate up to $100, which means you can often fix your glass without paying a cent.
Get a Same-Day Windshield Replacement in Michigan
At Save On Auto Glass, we provide quick, reliable windshield replacement with same-day service. Can’t drive? We’ll come to you! Our technicians offer free mobile repairs near your home or office.
If your windshield is chipped, cracked, or broken, don’t wait. Contact us today or stop by one of our locations. We have auto glass repair shops in:
- Fenton, MI
- Sterling Heights, MI
- Auburn Hills, MI