If your windshield is cracked or severely damaged, you may be eligible to have it replaced for free in Florida with no out-of-pocket cost. Thanks to Florida’s unique zero-deductible windshield replacement law, many insured drivers can receive full coverage for windshield repairs and replacements.
This guide explains how to qualify, what to do next, and where to find a trusted provider near you.
Why Windshield Replacement Matters
A damaged windshield isn’t just an inconvenience, it’s a safety hazard. Cracks can:
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Obstruct your view
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Compromise the structural integrity of your vehicle
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Interfere with Advanced Driver Assistance Systems (ADAS)
That’s why Florida law mandates clear visibility for all drivers and makes windshield replacement accessible for qualifying residents.
Does Florida Offer Free Windshield Replacement?
Yes. Florida is one of the few U.S. states that offers free windshield replacement through insurance. Under Florida Statute 627.7288, if your vehicle is registered in Florida and you carry comprehensive auto insurance, your insurer must waive the deductible for windshield replacement.
Who Qualifies for Free Windshield Replacement in Florida?
To take advantage of Florida’s free windshield law, you must meet the following criteria:
1. Comprehensive Insurance Coverage
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Must carry an active comprehensive policy
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Liability-only or collision coverage does not qualify
2. Florida Vehicle Registration
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Your car must be registered in Florida
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Out-of-state vehicles are not eligible
3. Covered Causes of Damage
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Road debris
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Weather-related damage (hail, storms)
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Vandalism
Exclusions: Intentional damage or negligence is not covered.
4. Extent and Location of Damage
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Damage must impair the driver’s line of sight
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Small chips or cracks that don’t obstruct vision may not qualify
How to Get Your Windshield Replaced for Free in Florida
Follow these simple steps:
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Contact Your Auto Insurance Provider
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File a claim for windshield damage under your comprehensive coverage
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Schedule Your Replacement
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Choose from insurer-approved auto glass shops or select a provider of your choice
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Let the Shop Handle the Claim
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Most auto glass providers, like NuVision Auto Glass, handle all the paperwork for you
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What If You Don’t Have Comprehensive Insurance?
If you don’t have comprehensive coverage, Florida’s zero-deductible rule doesn’t apply. But there are still cost-effective options:
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Choose shops with payment plans or zero-interest financing
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Look for discounts for uninsured customers
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Request quotes from multiple auto glass repair shops
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Use aftermarket glass (instead of OEM) to reduce the total cost
Why Choose NuVision Auto Glass in Florida?
NuVision Auto Glass is a trusted, insurer-preferred provider offering:
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Free windshield replacement with insurance
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Flexible payment options for uninsured drivers
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Expert ADAS calibration after windshield installation
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Certified technicians and lifetime warranty
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Mobile service across Florida for added convenience
Get a no-obligation quote or schedule your appointment today.
FAQs: Free Windshield Replacement in Florida
1. Do I have to pay a deductible for windshield replacement in Florida?
No, not if you have comprehensive insurance. Florida law requires insurers to waive the deductible.
2. Can I replace my windshield for free without insurance?
Only those with comprehensive insurance qualify under the law. However, many repair shops offer discounts or financing options.
3. How much does windshield replacement cost without insurance?
Costs range starts from $300, depending on your car’s make, model, and features like rain sensors or HUDs.
4. Is windshield replacement required if there’s a crack?
Yes, if the damage obstructs your view. Driving with a severely cracked windshield is illegal under Florida Statute 316.2952.
