Get an Instant Quote
Get an Instant Quote
Same-Day Service Available
Updated September 25, 2026
Short answer: Florida Statute 627.7288 generally prohibits a deductible for covered windshield damage under comprehensive auto insurance. For qualifying claims, that can mean a $0 deductible for your windshield replacement. It applies to windshields only, and only if you have comprehensive coverage.
For comprehensive policyholders, it can be $0 out of pocket for the windshield itself. That’s why people search for “free windshield replacement in Florida.” To be precise about what the law does:
You qualify if your Florida auto policy includes comprehensive coverage and the damage is to your windshield. The quickest way to confirm is your policy declarations page: look for “comprehensive coverage” and any glass-related language. Your insurer is the authoritative source on your specific policy, and we’re happy to help you check.
The deductible waiver applies to windshield repair or replacement. We repair rock chips the size of a quarter or smaller; a crack of any length needs a full windshield replacement. If your damage needs a full replacement, see how our windshield replacement in Tampa works, including same-day and mobile appointments. Repair vs. replacement →
Tip: when you open a glass claim yourself, ask for Optic-Kleer by name. Otherwise your insurer may default you to its usual provider.
We’re a preferred provider with Geico, State Farm, Progressive, Allstate, USAA, Farmers, Liberty Mutual and Travelers, and we work with many other carriers. Don’t see yours? Contact us and we’ll help you file your claim no matter which company you’re with.
You can still get an upfront, no-obligation quote. Most windshield replacements fall between slightly under $300 and over $800, depending on your vehicle and the glass features. What drives the price →
It can mean a $0 deductible. Florida Statute 627.7288 generally prohibits a deductible for covered windshield damage under comprehensive coverage. It isn’t free in every sense: you still pay for comprehensive coverage through your premium, and the law doesn’t apply to liability-only policies.
Yes. The deductible waiver applies to windshield repair or replacement for comprehensive policyholders. We repair rock chips the size of a quarter or smaller; a crack of any length needs a replacement.
Yes. If your policy only includes liability and PIP (personal injury protection), the no-deductible windshield law does not apply to you, and you would typically pay out of pocket for windshield repair or replacement.
No. The deductible waiver applies to the windshield only.
This varies by insurer and policy, and it’s a question worth asking your insurance company directly, since we don’t set or control insurance pricing. Many comprehensive claims, including glass claims, are treated differently from at-fault accident claims, but you should confirm this with your provider.
Yes. With your authorization, we open the claim with your insurer and make the required call to their third-party administrator to get Optic-Kleer® Autoglass of Tampa assigned as your provider. We’re a preferred provider with Geico, State Farm, Progressive, Allstate, USAA, Farmers, Liberty Mutual and Travelers, and we work with many other carriers.
This page is general information, not legal or insurance advice. Confirm your specific coverage, deductible, and rate impact directly with your insurance provider.
Start your claim online and we’ll handle the call to your insurer.
Start Your Insurance Claim