Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer

UPDATED: Jul 14, 2021

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In a nutshell...

  • Windows are commonly broken because of crashes, burglary, and other incidents
  • Only certain types of auto insurance coverage will cover a broken window
  • There is a chance that other insurance policies might help to cover broken window repairs

Broken car windows are inconvenient, to say the least. Whether it’s a windshield or a window located anywhere else on the car, you want to get it repaired quickly.

Broken windows could have a negative impact on your visibility on the road. Plus, your car won’t be fully secure until the repairs are made.

Compare car insurance options by entering your zip code above! Find the coverage you need for the best price.

How were the car windows broken?

Before you can determine if insurance will cover the repair of broken car windows, you have to look at how they were broken.

Some of the most common ways include:

  • Burglary
  • Crash
  • Neighborhood kids

Virtually every way that windows can break will be covered by insurance – as long as you have the right coverage on your policy.

If your car was broken into, someone probably broke the windows in order to gain access to your valuable items. The broken window would be part of comprehensive coverage.

If a crash occurs and your car window breaks in the process, as long as you have sufficient coverage to take care of the full extent of repairs, it would be covered as well.

Property damage is part of a basic auto insurance policy.

If the neighborhood kids break the window, or you have a rock hit your windshield while driving down the road, these fall into the category of being non-driving incidents. Within this instance, you would need to have comprehensive coverage for it to be included.

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Type of Coverage You Have

The kind of auto insurance you have will determine if the insurance company will cover the cost of repairs for broken car windows. When you file a claim with the insurance company, several things are going to happen.

  • You will provide a full explanation of what happened
  • You will bring your car into an adjuster for them to value the damage
  • Your case will be reviewed
  • Insurance will approve the repairs or deny them

During the case review, the insurance company will determine if you have the coverage to take care of any broken windows.

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For example, comprehensive coverage will cover the damage done to your car because of what is identified as disasters other than a collision. Such things include:

  • Riots and vandalism
  • Theft
  • Fallen objects
  • A truck throwing a rock at the windshield
  • Contact with an animal
  • A natural disaster

If you don’t have comprehensive coverage, then the claim would be denied. In most states, comprehensive coverage isn’t required. This protection is why it’s often a good idea to add the coverage.

When getting insurance quotes online, it means checking an extra box. The cost of adding the coverage is often more affordable than you might otherwise think.

Collision coverage is another area to look into when getting quotes. This option would cover you colliding into another vehicle as well as objects:

  • A mailbox
  • A telephone pole
  • A guardrail

If a window breaks because of something like this happening, you will be happy to have the coverage because the insurance company would cover the costs.

Explore Other Insurance Policies


If you have a car window that is broken, car insurance will likely solve the issue. However, depending on the window that broke, and how, there might be other insurance policies to assist with the repairs as well.

In some instances, home insurance will cover your car if the damage happens while your car is sitting in your driveway or parked in your garage.

If a neighbor’s kid throws a baseball and it breaks your passenger window, then their home insurance would likely cover the damage.

If you don’t have the coverage on your auto insurance, it might still be possible to get an insurance company to take care of the costs.

To err on the safe side, however, it is in your best interest to have the coverage on your auto policy.

Adding collision and comprehensive coverage to have for all of the “what if” situations is not going to be very expensive. By getting comparison quotes, you can also ensure you get the most affordable policy possible.

The whole idea behind having auto insurance is to avoid paying out-of-pocket when something happens to your car. If you have the right auto insurance policy, you can file a claim and have the company take care of the repairs as opposed to you dealing with it on your own.

Don’t overpay for auto insurance. See how much you could save by comparing quotes right here.