Phoenix Windshield Chip Repair Insurance Guide
Most Phoenix drivers pay $0 out of pocket for windshield chip repair through their existing auto insurance. Arizona requires every insurer in the state to offer zero-deductible comprehensive glass coverage. Even without an optional glass add-on, most insurance companies waive the chip repair deductible because covering a $60 repair prevents a $500 replacement claim. Filing a glass claim will not raise your rates because it is classified as a comprehensive claim, not an at-fault collision. State Farm, Progressive, GEICO, Farmers, and USAA all cover chip repair at $0 in Arizona. We verify your coverage, file the claim, and bill your insurer directly so you never handle paperwork.
This guide covers how coverage works company by company and how to file a claim.
Arizona's Zero-Deductible Glass Coverage Law
Arizona Zero-Deductible Glass Law: What It Means for You
Arizona requires every auto insurance company operating in the state to offer zero-deductible comprehensive glass coverage to every policyholder. This means:
- Your insurer was legally required to offer you a $0 glass deductible when you purchased or renewed your policy
- Even without the add-on, most insurers waive the deductible for chip repair because repairs save them money compared to replacements
- You only need comprehensive coverage on your policy -- no special glass endorsement is required for most chip repairs to be covered
Will a Chip Repair Claim Raise My Insurance Rates?
No. Glass repair is filed as a comprehensive claim, not a collision claim. Comprehensive claims cover things outside your control -- glass damage, hail, theft, animal strikes. They are not considered at-fault events and do not affect your driving record or premium calculations. There is genuinely no downside to using your coverage for chip repair.
Insurance Company Chip Repair Coverage in Arizona
State Farm
$0 for chip repairCoverage
Covered under comprehensive policies with zero-deductible glass coverage. Standard comprehensive typically covers chip repair at no cost in Arizona.
How to File
File through the State Farm app, online at statefarm.com, or call 1-800-732-5246. State Farm partners with Safelite but you are not required to use them under Arizona law.
Note: State Farm is one of the largest insurers in Arizona. If they direct you to Safelite, remember: Arizona law protects your right to choose any licensed repair shop.
Progressive
$0 for chip repairCoverage
Covered under comprehensive with no deductible for chip repair in most Arizona policies. Progressive frequently waives the deductible for chip repair.
How to File
Report online, by app, or by phone (1-800-776-4737). Progressive often authorizes chip repair within minutes.
Note: Progressive is one of the easiest insurers to work with for chip repair claims. Most repairs are authorized on the first call.
GEICO
$0 for chip repairCoverage
Covered under comprehensive. GEICO actively promotes chip repair because it saves them from replacement costs later.
How to File
File through the GEICO app or call 1-800-841-3000. GEICO has a dedicated glass claims process that is faster than their standard claims line.
Note: GEICO sometimes offers repair through their preferred vendor network, but Arizona law guarantees your right to choose your own shop.
Farmers
$0 for chip repairCoverage
Covered under comprehensive glass coverage. Farmers covers chip repair at $0 for most Arizona comprehensive policyholders.
How to File
File through the Farmers app, online at farmers.com, or call 1-800-435-7764. Request the glass/windshield claim option for faster routing.
Note: Farmers is widely used in Arizona and has a straightforward glass claim process. Coverage confirmation typically happens within 24 hours.
USAA
$0 for chip repairCoverage
Covered under comprehensive. USAA covers chip repair at $0 deductible for all comprehensive policyholders in Arizona.
How to File
File through the USAA app or call 1-800-531-8722. USAA processes glass claims quickly and has excellent customer support.
Note: USAA consistently rates as one of the best insurers for glass claims. They rarely push back on chip repair authorization.
How to File a Chip Repair Insurance Claim (Step by Step)
You can handle the claim yourself, or call us and we will do it for you. Either way, the process takes about 10 minutes.
Call Us First (Recommended)
Call (480) 712-7465 and give us your insurance company, policy number, and a description of the damage. We will verify your coverage immediately and handle the claim authorization on your behalf. Most drivers never need to call their insurance company at all.
Or File the Claim Yourself
Contact your insurance company through their app, website, or phone number. Report windshield chip damage and request a glass/chip repair claim. You will receive a claim number and authorization.
Choose Your Repair Shop
Your insurance company may suggest a preferred vendor. Arizona law protects your right to choose any licensed auto glass repair shop. You do not have to use their recommended provider.
Schedule Your Repair
Book online or call us. We offer mobile service so the technician comes to you -- at home, at work, or anywhere across the Phoenix metro area and Valley of the Sun. Most repairs can be scheduled same-day.
Get Repaired, Pay Nothing
The repair takes 20 to 30 minutes. We bill your insurance directly. If your chip repair is covered at $0 (as most are), you pay nothing at the time of service and nothing after.
Your Right to Choose Your Repair Shop in Arizona
Arizona law protects your right to choose any licensed auto glass repair shop for your insurance-covered work. If your insurance company tells you that you "must" use Safelite or another preferred vendor, that is not accurate under Arizona law.
Insurance companies can recommend a preferred shop and may offer incentives for using one, but they cannot require it, deny your claim, or reduce your reimbursement for choosing a different licensed provider.
If you experience any pushback from your insurance company about your choice of repair shop, contact the Arizona Department of Insurance at (602) 364-3100.
Let Us Handle Your Insurance Claim
We verify your coverage, file the claim, and bill your insurance directly. You pay nothing if your chip repair is covered.