Arizona Law Means Your Windshield Replacement Costs $0
Arizona has three laws that protect you when your windshield breaks. Under ARS 20-264, insurers must offer zero-deductible glass coverage — most Phoenix metro drivers with comprehensive policies already have it, paying just $5–$15/month extra. Under ARS 20-263, filing a glass claim is legally classified as no-fault, meaning your insurance rates cannot increase. Under ARS 20-469, you have the legal right to choose any auto glass shop — your insurer can recommend Safelite, but they cannot require it and must tell you that you can choose anyone you want. Pink Auto Glass serves all 20 Phoenix metro cities, handles 100% of your insurance paperwork, and provides same-day mobile service to your home or office. You pay nothing, you lose nothing, and you get your windshield replaced by experienced professionals.
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The Three Arizona Laws That Protect You
ARS 20-264: The Zero-Deductible Law
Arizona Revised Statutes 20-264 requires every insurance company that writes comprehensive auto policies in Arizona to offer a zero-deductible glass endorsement as part of that policy. This is the law that makes $0 windshield replacement possible.
What this means for you: If you have comprehensive coverage and elected the glass endorsement (often called "full glass coverage"), your deductible is waived entirely for windshield repair or replacement. You pay nothing out of pocket — not $50, not $100, nothing.
Note: Many competitors incorrectly cite ARS 20-263 for the zero-deductible law. The correct statute is ARS 20-264. ARS 20-263 is the rate protection law (see below).
ARS 20-263: No Rate Increase Protection
Arizona Revised Statutes 20-263 provides rate protection for glass claims. Under this law, an insurer cannot raise your premiums solely because you filed an auto glass claim in Arizona. Glass claims are classified as no-fault comprehensive events.
What this means for you: File your claim. Your rates are legally protected. Even if you've filed glass claims in the past, each new claim cannot be used to justify a rate increase. You've been paying for this coverage for years — use it.
ARS 20-469: Right to Choose Your Shop
Arizona Revised Statutes 20-469 is the law that most Arizona drivers have never heard of — and that most insurance companies hope you don't know about. Under ARS 20-469, every Arizona driver has the explicit legal right to choose any auto glass repair shop they want for insurance-covered work.
Your insurer can recommend Safelite or any other shop. They cannot require you to use it. And critically, under ARS 20-469, they must tell you that you have the right to choose any shop.
What this means for you: Choose Pink Auto Glass. We handle your claim, come to you, do excellent work, and you exercise a right the law specifically gives you.
Do You Have to Use Safelite in Arizona?
No. Arizona law ARS 20-469 explicitly prohibits your insurer from requiring you to use any specific shop.
This is one of the most misunderstood points in Arizona auto glass. When you call your insurance company to file a glass claim, they will almost always recommend Safelite. They may use language like "we work with Safelite" or "Safelite is our preferred provider." This language is designed to steer you toward their preferred vendor.
What they are legally required to also tell you — though many do not — is that under ARS 20-469, you have the legal right to choose any shop you want. If you express a preference for a different shop, your insurer must honor it. They cannot deny your claim, delay your service, or penalize you in any way for choosing a shop other than Safelite.
Pink Auto Glass handles claims from every major insurer including State Farm, Geico, Progressive, Allstate, USAA, Farmers, Liberty Mutual, AAA, Nationwide, Travelers, and all others. We work with your insurance company directly — you just tell us to proceed and we handle everything.
How to Check If You Have Glass Coverage
Not sure if you have the glass endorsement? Here are four ways to check:
Call Us First
The fastest option. Call Pink Auto Glass at (480) 712-7465 and give us your insurance company name and policy number. We verify coverage on your behalf — for free, no obligation.
Check Your Declarations Page
Your declarations page (the first page of your policy) lists all coverages. Look for "Comprehensive Glass," "Full Glass," or "Glass Endorsement" — any of these indicate zero-deductible coverage.
Check Your Insurance App
Most major insurers (State Farm, Geico, Progressive, USAA) have apps that show your coverage details. Look under Comprehensive coverage for glass-related entries.
Call Your Insurer Directly
Ask: "Do I have zero-deductible glass coverage under ARS 20-264?" The specific statute reference helps clarify what you're asking about.
How Arizona Glass Claims Work — Step by Step
Contact Pink Auto Glass
Call, text, or book online. Tell us your insurance company and policy number (on your insurance card).
We Verify Your Coverage
We call your insurer and verify that you have zero-deductible glass coverage under ARS 20-264. We confirm the exact cost before any work begins — usually $0.
You Approve the Service
We tell you exactly what you'll pay (typically nothing) and confirm the service. No surprises, ever.
We Assist With Filing
We assist with filing all required claim documentation directly with your insurance company on your behalf under ARS 20-469.
We Schedule Mobile Service
We schedule service at your home, office, or any convenient Phoenix metro location. Same-day appointments available.
We Complete the Replacement
Our certified technicians replace your windshield with OEM-quality glass at your location. Typically 60-90 minutes.
We Bill Your Insurance Directly
We submit the bill to your insurance company. You drive away with a new windshield and a zero balance owed.
Insurance Companies We Work With in Arizona
We handle claims with all major Arizona insurers:
Don't see your insurer? Call us — we work with all carriers.
Phoenix Area Service Coverage
We provide mobile windshield replacement and insurance claims service throughout the Phoenix metro. Click your city for local coverage details.
Frequently Asked Questions About Arizona Glass Coverage
Does Arizona law really require $0 deductible windshield replacement?▼
Yes. Under ARS 20-264, Arizona law requires every insurance company that offers comprehensive auto policies to also offer a zero-deductible glass endorsement as an optional add-on. If you elected this endorsement (which typically adds only $5–$15/month to your premium), your windshield replacement costs you nothing out of pocket. Many Arizona drivers who have this coverage don't realize it — we verify your coverage for free before starting any work.
Will filing a glass claim raise my insurance rates in Arizona?▼
No. ARS 20-263 is Arizona's no-fault rate protection law for glass claims. It legally prohibits your insurance company from raising your rates solely because you filed an auto glass claim. Glass claims are classified as no-fault comprehensive events under Arizona law. You've been paying for this coverage — using it cannot and does not affect your premiums.
Do I have to use the shop my insurance recommends in Arizona?▼
No. Under ARS 20-469, Arizona law gives every driver the explicit legal right to choose any auto glass repair shop. Your insurance company can recommend Safelite or any other preferred shop, but they cannot require you to use it. Critically, they must inform you of your right to choose any shop you want. If your insurer is pressuring you to use a specific shop, they may be violating ARS 20-469. You are free to choose Pink Auto Glass — and we'll handle your entire claim regardless of which company you use.
What if I don't have glass coverage on my Arizona policy?▼
If you don't have the glass endorsement, your windshield replacement is subject to your regular comprehensive deductible — typically $250–$1,000. We offer competitive cash pricing for Phoenix metro drivers without coverage. Cash pricing for windshield replacement in Phoenix typically ranges from $200–$900 depending on vehicle make, model, and glass complexity. We provide exact quotes over the phone at no charge.
Does the $0 deductible apply to chip repair too, or only full replacement?▼
Arizona's zero-deductible glass coverage under ARS 20-264 covers ALL auto glass services — chip repair, crack repair, full windshield replacement, door window replacement, rear glass, and all other vehicle glass. Chip repair (when the damage qualifies) is actually the best use of your coverage because it's fast (30-45 minutes), completely free, and prevents a small chip from becoming a full replacement that takes longer. Act fast: Phoenix summer heat turns chips into cracks quickly.
Ready to File Your Arizona Glass Claim?
We handle all paperwork. Arizona law means $0 out of pocket. Same-day service across Phoenix metro.
Start Your AZ Claim
Arizona Glass Laws
- ARS 20-264
Zero-deductible coverage required to be offered
- ARS 20-263
Rates cannot increase from a glass claim
- ARS 20-469
Your right to choose any shop
What You'll Need
- Insurance Card with policy number
- VIN Number (on dashboard or insurance card)
- Claim Number (if already filed)