How to Get a Free Windshield Replacement in Colorado
Colorado statute CRS 10-4-613 gives drivers the right to zero-deductible glass coverage. Many Colorado drivers can get their windshield replaced for $0 out of pocket. Here's exactly how.
The Short Answer
If your Colorado auto insurance policy includes comprehensive coverage with zero-deductible glass, your windshield replacement is 100% covered -- you pay nothing. Colorado law requires insurers to offer this option, and many policies already include it.
Even if you don't have zero-deductible glass, you may pay only $0-$100 with standard comprehensive coverage.
What Is CRS 10-4-613? (The Law That Saves You Money)
Colorado Revised Statutes section 10-4-613 is a state law that addresses auto glass coverage. In plain English, here's what it means for you:
What the law says:
- Colorado insurers must allow policyholders to purchase comprehensive auto glass coverage
- This coverage can include zero-deductible glass replacement
- You have the right to choose your own auto glass shop (the insurer cannot force you to use their preferred vendor)
- Glass claims are not treated as at-fault incidents and should not raise your premium
This is one of the most driver-friendly auto glass laws in the country. Many states don't offer anything like this, which is why Colorado drivers have a significant advantage when it comes to affordable windshield replacement.
Step-by-Step: How to Get Your Free Windshield Replacement
Check your current coverage
Call your insurance company or check your policy documents online. Look for "comprehensive coverage" and specifically "glass coverage" or "zero-deductible glass." If you see any of these, you likely qualify for free replacement.
If you don't have glass coverage, add it
Call your insurance agent and ask to add zero-deductible glass coverage. The cost is typically $1-$3 per month ($12-$36/year). Considering a windshield replacement costs $250-$800, this is one of the best insurance values available.
Choose your auto glass provider
Remember: Colorado law gives you the right to choose your shop. Don't let your insurance company steer you to their "preferred" vendor. Choose a shop with good reviews, proper ADAS calibration equipment, and OEM/OEE glass.
Schedule your replacement
Contact your chosen shop. A quality provider will verify your insurance coverage for you, handle all the paperwork, and schedule at your convenience. Many offer mobile service at no extra charge.
Get your windshield replaced for $0
With zero-deductible glass coverage, you sign a few forms and that's it. No out-of-pocket payment. The shop bills your insurance directly. The entire process takes about an hour.
Not sure about your coverage?
We check your insurance for free and tell you exactly what you'll pay (often $0).
Check My Coverage FreeFrequently Asked Questions About Free Windshield Replacement
Will filing a glass claim raise my insurance rates?
No. In Colorado, glass-only claims are not considered at-fault incidents. Your rates should not increase from a windshield claim. This is one of the protections Colorado law provides.
How much does zero-deductible glass coverage cost?
Typically $1-$3 per month, or $12-$36 per year. Given that a windshield replacement costs $250-$800, this coverage pays for itself many times over with a single claim.
Can my insurance company choose the glass shop for me?
No. Colorado law gives you the right to choose your own auto glass provider. Your insurer may suggest a preferred vendor, but you are not required to use them.
Does free replacement include ADAS calibration?
Yes. If your vehicle has ADAS features (most 2018+ vehicles), the calibration is part of the windshield replacement and should be covered by your insurance along with the glass itself.
What if I just have a chip, not a crack?
Even better. Chip repair is almost always 100% covered with no deductible, even without special glass coverage. Fix chips early before they spread into cracks that require full replacement.
I don't have comprehensive coverage. Can I still get free replacement?
Unfortunately, no. Glass coverage requires comprehensive coverage as a base. If you only have liability insurance, you'll pay the full cash price. However, adding comprehensive coverage may cost less than you think -- ask your agent.
Ready to Find Out If You Qualify?
Most Colorado drivers with comprehensive coverage pay $0 for windshield replacement. Let us check your coverage for free -- it takes 60 seconds.