Is Acuity’s zero-deductible glass thing real, or only on certain cars?

Windshields here get destroyed every winter when you drive to and from the mountains a lot. If I switch to Acuity, do they really cover chip repairs or glass with low/no deductible, or is that one of those ‘depends on your state’ perks?

Yes, Acuity does offer full glass coverage as an optional add-on in many states, especially in the Midwest and mountain regions where rock chips and cracks are common. Without it, your windshield repair would fall under your comprehensive deductible, which might be $500 or $1,000—so it’s easy to see why people add this.

With full glass coverage, Acuity will:

• Cover chip repairs at no cost in most states
• Pay for full windshield replacement with little or no deductible
• Let you choose from local glass shops (not just big chains)

Availability does vary by state, so you’ll want to confirm if it’s offered where you live. States like Colorado, Wisconsin, Minnesota, Iowa, and Illinois commonly have access to it.

💡 Tip: Ask if the policy uses OEM (original manufacturer) glass or after market glass for replacements—not everyone cares, but if you drive a newer car or one with lane assist or cameras, this can matter for safety calibration.

If you want to compare Acuity’s glass coverage vs. other car insurance companies The Zebra has agents who can walk you through the differences so you’re not guessing.