Best Windshield Replacement Coverage in Oklahoma (Our Top 10 Picks for 2024 )
State Farm, Farmers, and Allstate will be the top three companies to use for the best windshield replacement coverage in Oklahoma, with rates beginning around $70/month for minimum coverage. Knowing if you need auto insurance with glass coverage in your state can be important as it may save you money.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed Insurance Agent
UPDATED: Oct 25, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 25, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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You’ll find the best windshield replacement coverage in Oklahoma with State Farm, Farmers, and Allstate, with full coverage averaging around $170/month and minimum coverage being around $70/month. The hassle and cost of a damaged windshield are typically much larger than the rock or pebble that caused it.
This also means that you’ll need to know whether or not your insurance covers cracked windshields. Unfortunately, Oklahoma is not one of the states that has a zero deductible glass coverage law in effect.
You might not only be on the hook for your insurance deductible but also at the mercy of your insurance company for what type of part or which repair vendor is used.
Our Top 10 Company Picks: Best Windshield Replacement Coverage in Oklahoma
Company Rank Multi-Vehicle Discount A.M. Best Best For Jump to Pros/Cons
#1 17% B Reliable Service State Farm
#2 10% A Comprehensive Coverage Farmers
#3 25% A+ Flexible Policies Allstate
#4 12% A+ Competitive Rates Progressive
#5 12% A Extensive Network Liberty Mutual
#6 20% A Customer Satisfaction American Family
#7 10% A Member Benefits AAA
#8 20% A+ Deductible Options Nationwide
#9 10% A++ Claims Processing Travelers
#10 5% A+ Specialized Coverage The Hartford
Your insurance policy dictates these issues unless your state has laws protecting your choice of parts, your choice of repair vendor, or blocks insurers from recovering a deductible when paying for a windshield repair.
Whether you have cracked windshield repair insurance coverage or not, it’s always a good idea to look into quotes if you’re interested in keeping up with the auto insurance market. It can be just as important to find affordable coverage as it is to know things like where to get the best windshield repairs in Oklahoma city. Find the best auto insurance company near you by entering your ZIP code into our free quote tool above.
- There is no Oklahoma windshield replacement law
- In Oklahoma, your insurance policy can dictate which repair vendor you can use
- Oklahoma law allows your insurer to select aftermarket parts
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#1 – State Farm: Top Overall Pick
Pros
- Affordable Rates: Even drivers with an infraction on their license will be able to pay less than average for auto insurance. You can learn more with our State Farm auto insurance review.
- Discounts Available: You can get a discount on insurance by being a good student, bundling insurance, or owning multiple vehicles.
- Rideshare Insurance: Not offered by every provider, this protects you if you drive for Lyft or Uber.
Cons
- Missing Gap Coverage: Something that protects you against paying off any amount still owed on a vehicle after it’s in an accident, this can help financially and is not offered by State Farm.
- No New Vehicle Replacement: With this coverage you can be protected if you need a new vehicle after an accident, but State Farm does not offer this option.
#2– Farmers: Best for Claim Handling
Pros
- Financial Strength: Farmers has an A+ with A.M. Best, which signifies that a company is doing well, thus meaning payouts will not be a hassle.
- Claim Handling: Drivers report high levels of satisfaction with how claims are handled. You can learn more with our Farmers auto insurance review.
- Farmers App: Allows drivers to get quotes, report claims, and access their insurance information.
Cons
- Availability: Farmers auto insurance isn’t offered in every state.
- High Rates: Most rates for auto insurance are higher than the national average.
#3 – Allstate: Best for Safe Drivers
Pros
- Financial Strength Rating: Allstate has an A.M. Best rating of A+, which means claim payout will not be an issue.
- Claim Filing: You can file a claim through the Allstate app, on the phone, or via the website.
- Discount Opportunities: Allstate offers discounts based on vehicle safety, driving habits, and even policy details. You can learn more with our Allstate auto insurance review.
Cons
- Teens Pay More: Younger drivers around 16-18 years old will pay more than the national average for auto insurance.
- Expensive Senior Rates: Drivers in their sixties will pay well over the national average for coverage, in some cases paying almost $40 extra each month for full coverage.
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#4 – Progressive: Best for High-Risk Insurance
Pros
- Affordable High-Risk Coverage: Drivers who are determined as being high-risk will still be able to have low rates, though not as low as they would be with a clean driving record.
- Progressive App: Drivers can report claims, access insurance cards, and request roadside assistance right through the app. You can learn more with our Progressive auto insurance review.
- Rental Car Reimbursement: If you need a rental while waiting for your car to be repaired after an accident, Progressive will cover the cost.
Cons
- Customer Service: Progressive seems to have poor customer satisfaction ratings.
- Snapshot Program: This particular reward program will actually increase your rates based on your driving habits.
#5 – Liberty Mutual: Best for Telematics Program
Pros
- Gap Coverage: Provides the difference between what you owe on your vehicle and what it’s worth should you get into an accident where it’s totaled.
- Lifetime Replacement Guarantee: Repairs done at an approved shop will get a lifetime guarantee.
- Bundling Options: You can bundle auto, homeowner, renter, watercraft, small business, and even pet insurance. Learn more with our Liberty Mutual auto insurance review.
Cons
- Young Drivers Pay More: Teens and younger drivers will pay more than the national average.
- Customer Service: There have been reports of poor wait times for customer service on the phone and claim handling.
#6 – American Family: Best for Coverage Options
Pros
- Good Rates for High Risk Drivers: Drivers with infractions such as a speeding ticket will not have to pay expensive prices for auto insurance.
- Discount Opportunities: More than a dozen discounts are offered including Low mileage, good driving, and autopay.
- Coverage Options: Gap, uninsured motorists, accidental death, and medical expense coverages are all offered. You can learn more with our American Family auto insurance review.
Cons
- Claim Handling: Drivers have reported that the claim process is not straightforward and can be frustrating.
- Availability: Not available in all states.
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#7 – AAA: Best for AAA Members
Pros
- Membership Discounts: Members will pay less for coverage. You can learn more with our AAA auto insurance review.
- AAA Member Perks: Drivers can save up to 50% off membership prices and anyone who is a member has access to perks such as flat tire repair, rental car service, and emergency fuel delivery.
- Coverage Options: You can also purchase flood, umbrella, condo, and motorcycle insurance.
- Financial Strength Rating: AAA holds an A+ rating with A.M. Best.
Cons
- Membership Required: You must be a member of AAA in order to sign up for coverage.
- Availability: Not available in all states.
#8 – Nationwide: Best With Discount Programs
Pros
- Coverage Offered: You can get gap, medical payment, rental car, and bodily injury coverage.
- SmartMiles: A program that offers drivers up to 18% off auto insurance based on monthly mileage. Excellent for low-mileage drivers.
- SmartRide: This is an app that provides a usage-based discount dependent on miles driven, as well as certain driving habits. You can learn more with our Nationwide auto insurance review.
Cons
- Claim Handling: There are reports that state that claims take too long, and other drivers have stated that claims have gotten denied without reason.
- Availability: Not offered in every state.
#9 – Travelers: Best for Financial Stability
Pros
- High Rank with A.M. Best: Travelers has an A++ rating, based off excellent customer service and financial ratings.
- Affordable Rates: Drivers will pay less than the national average for auto insurance. You can learn more with our Travelers auto insurance review.
- Availability: You can purchase auto insurance in all of the United States.
Cons
- Claim Handling: There have been numerous complaints regarding the hassle surrounding the claim process.
- InteillDrive Program: This is the Travelers usage-based program that provides a discount, however if your driving habits are poor it may end up raising your rates.
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#10 – The Hartford: Best for AARP Members
Pros
- AARP Benefits: If you’re a member of AARP, you have access to lifetime renewability, RecoverCare, and new car replacements.
- Discounts: Hybrid vehicles, anti-theft devices, good student, and airbag installation.
- TrueLane: Usage-based program that gives an automatic 12% discount just by signing up. Learn more with our The Hartford auto insurance review.
Cons
- High Customer Complaints: There have been a large number of complaints about the auto insurance policies offered.
- Claim Wait Time: Often it can take up to a month for your claim to be processed.
Windshield Replacement With Insurance in Oklahoma
Some states have enacted zero deductible full glass coverage insurance laws to take the financial burden of replacing windshields off drivers and lowering the number of vehicles on the road with damaged auto glass.
Auto Insurance Monthly Rates for Windshield Replacement in Oklahoma
Insurance Company Minimum Coverage Full Coverage
AAA $78 $156
Allstate $85 $170
American Family $82 $164
Farmers $80 $160
Liberty Mutual $90 $180
Nationwide $83 $166
Progressive $70 $140
State Farm $75 $150
The Hartford $88 $176
Travelers $87 $174
States like Kentucky require a comprehensive auto policy to cover the repair or replacement of a windshield without collecting the deductible.
Unfortunately, Oklahoma does not have a zero deductible full glass coverage law.
The good news is Oklahoma insurers will often offer comprehensive auto policies that include zero deductible full glass coverage.
Comprehensive Auto Insurance and Broken Windshield Replacements
Comprehensive coverage is an insurance policy that extends coverage for damage to your automobile that isn’t caused by a collision. Comprehensive insurance will typically cover:
- Vandalism
- Theft
- Windshield damage caused by flying rocks or debris
Unlike Comprehensive policies, liability only auto insurance policies only offer coverage for other vehicles you damage in a collision. If you only have liability insurance you won’t be eligible for zero deductible full glass coverage in any state. Drivers who opt for more than minimum coverage will be protected financially in the long run. A full coverage policy on a car, no matter the make or model, can protect a driver against out-of-pocket expenses such as medical bills, legal fees, and repair costs.
While car color doesn’t impact insurance price, the make and model can. Drivers of newer and luxury vehicles can expect to pay higher prices, as can drivers of large or heavy cars. pic.twitter.com/BrDYOJl5he
— Farmers Insurance (@WeAreFarmers) May 25, 2024
If having your insurance company waive your deductible for windshield repair is important to you the best practice is to compare three to four different insurance policies before you purchase one.
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Parts Used for a Broken Windshield by Auto Insurance Companies
Another issue that you may face during an auto repair is whether it is up to your insurer to have your vehicle repaired with Original Equipment Manufacturer (OEM) or aftermarket parts.
OEM parts come from the auto manufacturer directly while aftermarket parts are manufactured by unrelated companies. OEM parts are generally more expensive but considered more reliable.
Aftermarket parts are typically less expensive but the quality can vary. It shouldn’t surprise you that given the lower price tag your insurer will typically prefer aftermarket parts.
Precision, safety, and longevity are all affected when it comes to aftermarket parts, which is why it's important to know how your vehicle is being repaired.Jeff Root Licensed Insurance Agent
The decision between OEM and aftermarket parts is in the hands of your insurance company unless there is a state law that dictates otherwise.
- Some state laws guarantee the insurer the choice of parts.
- Some states guarantee that right to you.
- Others will allow you to refuse aftermarket parts but require you to pay your insurer the difference if the parts you select cost more.
Oklahoma law sides with the insurer in this instance. Under Oklahoma law, insurers may use “aftermarket crash parts” if they are recommended in the repair estimate.
It’s important to review your policy before you ever contact a repair vendor. While Oklahoma law allows aftermarket parts it’s possible the language of your policy is less restrictive.
Choosing a Repair Vendor in Oklahoma for Windshield Replacement
State law and your insurance policy will also determine if you get to choose your own repair vendor.
Conflicts can arise between you and your insurer in instances where a repair vendor you trust is more expensive than your insurer’s chosen vendor. Generally, you have the ability to choose your own repair vendor in the absence of state law or policy language that says otherwise.
In practice, most insurance policies include language that requires you to use a vendor of their choosing. Some states have enacted laws that would allow you to choose the vendor.
Other states will let you choose but require you to reimburse your insurance company for any difference between your estimate and a less expensive estimate from your insurer’s chosen repair vendor.
In Oklahoma, there are no such protections. In fact, Oklahoma law specifically states insurers may require a specific repair shop.
The result is that in Oklahoma the language of your insurance policy dictates if you choose your repair vendor or not.
Review your policy carefully before contacting a repair vendor. Your insurance company is not required to pay for any repairs that aren’t done by authorized vendors.
How to Find the Best Windshield Insurance in Oklahoma
Oklahoma’s laws are clear in their intention to have insurance policy language dictate these decisions. Oklahoma insurers are not required to provide zero deductible full glass coverage.
They also are authorized to use aftermarket parts and can dictate which repair vendor is used. These laws together make the specifics of your insurance policy important. Policies that are the same price may look similar on the surface but have different provisions relating to windshield repair deductibles, choice of repair vendors, and the use of aftermarket parts.
The best way to get the coverage you prefer as it relates to windshield repair issues is to compare policies before you purchase one. If you’re looking to lower your auto insurance premiums, enter your ZIP code into our free quote comparison tool below to compare your rates against the top insurers.
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Frequently Asked Questions
Does auto insurance in Oklahoma cover windshield replacement?
Yes, in most cases, auto insurance in Oklahoma does cover windshield replacement. However, it depends on the type of coverage you have and the circumstances of the damage. Comprehensive auto insurance coverage typically includes windshield replacement as part of the coverage.
What is comprehensive coverage?
Comprehensive coverage is an optional coverage that helps pay for damages to your vehicle that are not caused by a collision. It typically covers events such as theft, vandalism, fire, hail, falling objects, and windshield damage. If you have comprehensive coverage, your insurance policy may cover windshield replacement. Find your cheapest auto insurance quotes by entering your ZIP code below into our free comparison tool.
Are there any specific requirements or limitations for windshield replacement coverage in Oklahoma?
Insurance policies may have specific requirements or limitations for windshield replacement coverage in Oklahoma. For example, some policies may require the use of authorized repair facilities or specify a maximum coverage limit for windshield replacement. It’s important to review your insurance policy or contact your insurance provider to understand the details of your coverage. It’s also important to know the recommended level of auto insurance you’ll need based off where you live.
Do I have to pay a deductible for windshield replacement?
Whether you have to pay a deductible for windshield replacement depends on the terms of your insurance policy. In some cases, comprehensive coverage may have a separate deductible for front and back windshield replacement costs and repairs. Review your policy or contact your insurance provider to determine if a deductible applies and the amount you would be responsible for.
How do I file a claim for windshield replacement?
To file a claim for windshield replacement, you can usually do so online, through your provider’s app, or via the phone. Generally it will be the same way you would file an auto insurance claim, though this varies based of provider.
Can I choose any windshield repair or replacement service?
Some insurance policies may have preferred or authorized repair facilities for windshield replacement. Check with your insurance provider to understand if they have a list of approved service providers or if you have the flexibility to choose a repair facility. Using an authorized provider may ensure the work is done to the insurer’s standards and may simplify the claims process.
Does windshield replacement affect my insurance rates?
In general, windshield replacement claims should not directly impact your insurance rates. However, it’s always best to review your policy and speak with your insurance provider to confirm how windshield replacement claims may affect your specific policy and rates.
Can I get my windshield replaced for free?
You’ll want to know if you have collision auto insurance or comprehensive coverage that protects you from paying for windshield replacements. Some providers include windshield repairs, but it’s best to check before you need it.
Does insurance cover windshield replacement?
Comprehensive auto insurance often comes with glass coverage, but this does depend on the insurance provider and what is included in your policy.
Which insurance covers windshield replacement?
The best windshield insurance will be comprehensive coverage.
Does full coverage cover windshield repairs?
Typically full auto insurance coverage comes with both collision and comprehensive, which will cover windshield repairs. This does not mean free windshield replacements, however, and the deductible for windshield replacement will vary based on your policy.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.