Yes — and it is not optional for insurers. Florida Statute 627.7288 mandates that any insurer providing comprehensive auto coverage in Florida must cover windshield replacement without charging a deductible. This applies to every major carrier including State Farm, GEICO, Progressive, Allstate, USAA, Travelers, and every other company writing auto policies in Florida. There are no exceptions and no minimum claim threshold — a single chip is covered the same as a full replacement.
The key requirement is comprehensive coverage. If your policy includes comprehensive — look for it on your declarations page — your windshield replacement in Gainesville is $0. Florida law also prohibits insurers from surcharging your premium based on a glass-only claim, so filing will not raise your rates.
With comprehensive insurance under Florida law: $0. Without insurance, cash prices for windshield replacement in Gainesville typically range from $200 to $600. Vehicles with ADAS cameras, heads-up displays, embedded rain sensors, or acoustic laminate glass cost more. ADAS recalibration — required on most modern Toyotas, Hondas, Subarus, and GM vehicles — adds $100 to $300 to cash prices. If you are unsure whether you have comprehensive coverage, call us — we verify with your insurer before scheduling any work.
When a crack or chip is too large to repair — typically anything longer than six inches, or damage located in the driver's primary line of sight — full windshield replacement is required. Our technicians arrive at your location with your vehicle-specific glass pre-ordered to OEM specifications. We use DOT-certified urethane adhesive systems meeting Federal Motor Vehicle Safety Standard (FMVSS) 212 bonding requirements.
The replacement process takes approximately 60 to 90 minutes from arrival to completion. Drive-away time is typically one hour for normal driving conditions. We recommend keeping windows slightly cracked for the first hour and avoiding car washes for 24 to 48 hours to allow full adhesive cure. If your vehicle has ADAS cameras or rain sensors mounted to the windshield, we discuss recalibration requirements at booking.
We use OEM-equivalent glass meeting or exceeding original manufacturer specifications for your vehicle. This includes proper UV coating where applicable, correct acoustic laminate for noise-reduction glass, and pre-installed hardware attachments for cameras, sensors, and rain-detecting wipers. We stock glass for the most common vehicles in the Gainesville market — domestic sedans and trucks, late-model Toyotas and Hondas popular with UF students and faculty, and the SUV and pickup inventory common in Alachua County's rural communities.
We provide mobile windshield replacement throughout Gainesville and greater Alachua County including:
I-75 between Gainesville and Ocala is one of the highest rock chip corridors in North Central Florida — heavy commercial truck traffic generates road debris that causes daily windshield damage for commuters. The I-75/I-10 interchange near Lake City adds to regional chip volume. We serve drivers who commute through both corridors.
Yes — by law. Florida Statute 627.7288 requires every insurer offering comprehensive coverage in Florida to replace your windshield at zero deductible. All carriers are bound by this law.
Cash prices typically range from $200 to $600 in Gainesville. Vehicles with ADAS cameras, HUD, or specialty glass cost more. ADAS recalibration adds $100 to $300. With comprehensive insurance: $0 under Florida law.
60 to 90 minutes on-site. Drive-away safe time is approximately one hour after installation. Avoid car washes for 24 to 48 hours to allow the urethane adhesive to fully cure.
Many modern vehicles require ADAS camera recalibration after windshield replacement. Common vehicles requiring calibration include recent Toyotas, Hondas, Subarus, and GM models with forward-facing cameras. We discuss this at booking.
Yes. We provide mobile replacement throughout UF campus parking areas, UF Health Shands, the Innovation Square district, and all Gainesville neighborhoods and Alachua County communities.
No. Florida law prohibits insurers from surcharging your premium for a glass-only claim. Filing a windshield replacement under comprehensive coverage will not raise your rates.
Small chips and cracks under 6 inches may qualify for repair instead of full replacement. Also free with Florida insurance.
Learn more →We come to you anywhere in Alachua County. UF campus, home, work — your choice.
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