Insurance vs. Cash for Windshield Replacement — Which Costs Less?
The comparison is simple. Paying cash for a windshield replacement in Colorado costs $280–$520 for a standard vehicle. Using your comprehensive insurance under Colorado CRS 10-4-613 costs $0. Insurance wins by hundreds of dollars — every single time.
The Price Comparison You Actually Need
| Vehicle Type | Cash Price | Insurance (CO Law) |
|---|---|---|
| Standard Sedan | $280–$420 | $0 |
| SUV / Minivan | $320–$480 | $0 |
| Full-Size Truck | $350–$520 | $0 |
| ADAS-Equipped Vehicle | $500–$900+ | $0 |
| Luxury / European | $600–$1,200+ | $0 |
Why $0? Colorado CRS 10-4-613
Colorado Revised Statute 10-4-613 requires insurers to offer zero-deductible comprehensive glass coverage. If you carry comprehensive auto insurance in Colorado, you are entitled to elect $0 out-of-pocket cost for windshield replacement. Glass claims also do not raise your premium — they are treated separately from collision claims.
3 Steps to Pay $0 Instead of $280–$520
5-Minute Coverage Verification
Pink Auto Glass confirms your comprehensive coverage and zero-deductible status in about 5 minutes. Call (720) 918-7465 or click below.
We Handle the Paperwork
Pink Auto Glass files the claim with your carrier, handles all approval paperwork, and schedules your service. You make zero calls to your insurance company.
Mobile or In-Shop — $0 Total
Mobile service to your location or drop-in at our shop. Replacement in 60–90 minutes. You pay nothing.
All Major Colorado Carriers Accepted
The Winner Is Clear: Use Insurance
Stop comparing cash quotes. With Colorado law on your side, your insurance pays everything. Pink Auto Glass verifies coverage, files the claim, and handles the replacement — all at $0 to you.
Start My Insurance Claim — $0 Cost