USAA Windshield Replacement Policy (Auto Glass Repair + More)

usaa windshield replacement policy

Do you know what the USAA windshield replacement policy is? Did the USAA Auto policy cover the repair or replacement of glass parts? Well, you are at the perfect place to find the answer to such a question.

Most people hold a moderate if slightly distasteful view of insurance companies, whether it’s auto, home, or life. Despite that, USAA is one of the highest-rated car insurance companies in the country, and for good reason.

When it comes to their windshield replacement policy, USAA sticks with what works for most insurance companies.

So, what is the USAA windshield replacement policy? USAA’s windshield replacement coverage is only available if you opt for comprehensive in your full auto coverage plan. How their coverage applies is dependent on the state that you reside in, as there are several states with various laws affecting deductibles. 

One of USAA’s stand-out features, when it comes to its ratings, is its customer service. If you have a problem with your windshield, USAA is pretty easy to work with and should be able to tackle your claim quickly. 

USAA Windshield Replacement Policy

Although most damage on a vehicle requires a deductible if you want to file a claim with your insurance, windshields can be different, depending on which state you live in. If you are in Florida, Kentucky, or South Carolina, those states require insurance companies to wave deductibles for windshields.

If you happen to live in Massachusetts, New York, Minnesota, Connecticut, or Arizona, those states require auto insurance companies to provide a $0 deductible windshield repair option to go along with your auto insurance coverage. 

In most states, you have to have full coverage auto insurance with USAA, or any other insurance company, if you want to have the option of adding comprehensive coverage to your insurance. 

Comprehensive coverage takes care of all of the little things that don’t have anything to do with getting into an accident, with a few exceptions. Windshields are one of the items on the comprehensive coverage list. 

If you don’t live in any of the above-mentioned states, the deductible for replacing or repairing your windshield is usually $200.

Of course, if you get into an accident and it was the other driver’s fault, their insurance should cover your windshield, along with everything else.

If the accident is your fault, your insurance will cover it, along with everything else under your primary coverage. 

Read also: AAA Windshield Replacement Policy (Coverage, Cost + More)

Filing a Claim with USAA

Most windshield damage occurs outside of accidents and is usually because of flying gravel that was picked up by another tire and catapulted into your window.

It happens all the time. Unfortunately, this is usually nothing more than a speck on the windshield. 

We say ‘unfortunately’ because who wants to drop a $200 deductible for a speck on the windshield? Over time, especially with seasonal changes in temperatures, that speck can become a nightmare, however, by spreading across large sections of your windshield. 

This is the reason that some states have created laws concerning the deductible on windshield repairs required by most insurance companies, including USAA. On the bright side, USAA is known for waiving the windshield deductible. 

All you have to do is contact USAA, file your claim, and USAA will either set up an appointment at a USAA chosen contractor or send that contractor to you, depending on the type of vehicle you own. 

  • Contact USAA to initiate the claim process
  • Choose to have a technician come to your place at a specific time or set an appointment to bring the vehicle in
  • The technician repairs the glass
  • USAA covers the rest and all you pay is the deductible (if applicable) assuming USAA doesn’t waive it, which they very well may

Read also: Allstate Windshield Replacement Policy (Coverage & Cost)

USAA Full Auto Glass Coverage Option

USAA offers a full auto glass coverage option that you should definitely take advantage of. It amounts to a couple of extra dollars on your overall monthly payment plan and you will never have to worry about a deductible again. 

Anytime you file a claim with USAA under this policy, even if it is just a speck on your windshield, USAA will repair it completely, with no deductible and no extra out-of-pocket costs for you. 

If you live in one of the above-listed states, USAA still offers the full glass coverage option but you don’t have to take it.

In fact, if you have liability-only insurance in Massachusetts, New York, Connecticut, Arizona, or Minnesota, USAA has to offer you the additional $0 deductible add-on.

Of course, USAA is not going to come out and tell you this, so you have to be sure to add that on when you are sifting through the fine print on your insurance coverage choices.

For the rest of the states, except Florida, South Carolina, and Kentucky, the full glass coverage option is a no-brainer. 

What Does USAA Glass Coverage Cover?

Glass coverage, even if you just have the comprehensive package and not the full glass, covers all of your windows and not just your windshield. That includes your side and a sunroof or moon roof if you have one. 

The best part is if you have multiple damages to multiple windows, such as you might suffer in a hail storm, the comprehensive or full glass will cover all of your windows in a single claim.

You don’t have to file separate claims with separate paperwork for each window. 

How Long Does it Take from Claim to Repair?

Filing your claim with USAA takes minutes on the phone and nothing more. The rest depends on you and the technician. Auto glass repair is a busy business so you will have to set up an appointment, whether that means them coming to you or vice versa.

The only reason a technician couldn’t come to you is if your vehicle is the type that has to be in a shop for a specialized removal process.

Other than that, it usually takes the technicians no more than an hour, even with a full replacement. 

Read also: GEICO Windshield Replacement Policy (What’s Covered + Claims)

All Things Considered

USAA is one of the easier to work with auto insurance companies out there and their glass replacement policy is generally covered under comprehensive insurance.

However, USAA is known for waiving the deductibles as well, even if you don’t live in one of the specified states. 


Mike Gilmour

Hi, I'm Mike, co-founder, and editor of RV and Playa. My passion is traveling (with my RV) and enjoying the day at the beach (Playa)! Well, I originally created this blog as a way to share what I've learned by experimenting with the RV lifestyle, and I want to help others develop in life through new skills and opportunities.

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