Is Full Glass Insurance Worth It?

The role of insurance can never be over emphasized, regardless of what is being insured. Auto glass or full glass insurance, for example, is an insurance policy that is intended to mitigate against unforeseen losses or damages to your windshield, sunroof, rear and side windows. The benefit of full glass insurance notwithstanding, is it really worth taking this policy? Let’s take a closer look.

Full Glass Insurance At Play

For us to fully justify the need for or against a full glass insurance policy, we will need to throw in some figures basing on current market situations in order to put this whole issue into its rightful context.

Let us assume that on average, glass insurance coverage averages at $100 in the market. In typical real world scenarios, one would repair chips once in two years and replace a glass windshield once in three years. The cost of a glass windshield averages between $150 to $400 dollars depending on the make of your car. Chip repairs on the other hand will cost an average of $50.

With these figures, let’s calculate and compare the cost of insuring your glass in four years; to the costs you would incur if you were to fix them by yourself.

Basing on our assumptions, insuring your glass for four years will cost you $400. Repairing your chips for four years will cost you $100. Replacing your windshield, on the other hand, will cost you an average of $250, which brings the total cost of repairs and replacement to $350. Comparing the two, you are left with an extra $50 on average if you were to fix your glass as opposed to insuring it.


From our simple calculations, dropping your full glass cover will leave you with a saving of $50 over a period of 4 years. This cost saving figure could go even higher depending on your car model. It therefore goes without saying that you are better off repairing your glass by yourself than taking a full glass insurance policy.