Arizona's Zero Deductible Windshield Law: What Phoenix Drivers Need to Know Before Filing a Claim

SCOTTSDALE, Ariz. - EntSun -- Most Arizona drivers don't realize their insurance is legally required to cover windshield replacement at zero deductible. Arizona Revised Statutes § 20-264 mandates that every insurer offering comprehensive auto coverage in Arizona must include full glass coverage with no deductible applied. The benefit is automatic — no upgrade required.

Two additional statutes protect Arizona drivers. ARS § 20-263 prohibits insurers from raising your premium or canceling your policy solely because you filed a comprehensive glass claim. Arizona classifies glass claims as no-fault events. ARS § 20-469 gives every Arizona driver the legal right to choose any licensed auto glass shop — your insurer cannot require you to use Safelite or any preferred vendor.

Phoenix windshields face conditions that are uniquely destructive to automotive glass. Daytime temperatures above 115°F cause glass to expand; overnight drops of 40°F cause it to contract. This thermal cycling turns a quarter-sized rock chip into a full crack within 24 to 48 hours during summer. Monsoon season adds flying gravel, hail, and sand-laden haboobs. The I-10, US-60, and I-17 corridors carry heavy semi traffic that constantly kicks up road debris.

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The process is simpler than most drivers expect. A reputable mobile auto glass provider contacts your insurer, verifies zero-deductible eligibility, and dispatches a technician to your home or office — no shop visit required. ADAS calibration is included at no charge for vehicles that require it.

Pink Auto Glass provides same-day mobile windshield repair and replacement across all 20 Maricopa County cities including Phoenix, Scottsdale, Tempe, Mesa, Chandler, Gilbert, Glendale, Peoria, Surprise, Goodyear, Avondale, and Buckeye. Pink Auto Glass handles all insurance verification and paperwork directly.

Pink Auto Glass is proud that a portion of every job supports breast cancer awareness charities.

For more information on Arizona's windshield replacement law, visit: https://pinkautoglass.com/blog/arizona-windshield-replacement-law