Yes, if you have comprehensive coverage.
Good news: if your car window gets broken during a theft, comprehensive coverage will take care of the damage.
Here’s what you need to know about car insurance and broken windows from theft.
TL;DR
- rn tComprehensive coverage handles broken windows from theft, but you’ll pay your deductible
- rn tExtended glass coverage can lower or eliminate what you pay out-of-pocket for glass fixes, depending on your state
- rn tYou’ll usually need to file a police report to get your claim processed
- rn tIf someone steals stuff from your car after breaking the window, your renters or homeowners insurance might cover those items
How does car insurance cover a broken window from theft?
Car windows deal with a lot: falling branches, theft, vandalism. Here’s what coverage kicks in when someone smashes your window during a break-in:
Comprehensive coverage
Comprehensive coverage fixes or replaces damaged glass when something other than a collision causes the damage. Think theft, vandalism, hail, or hitting an animal. It covers up to your car’s actual cash value, minus your deductible (usually $100 to $1,000).
Extended glass coverage
Extended glass coverage is an add-on that cuts your out-of-pocket costs for glass repair or replacement. Availability varies by state. With this coverage, you can often fix or replace windshields, side windows, or sunroofs with a much lower deductible, sometimes as little as $50 or even $0. Say replacing a windshield costs $400. With extended glass coverage and a $50 deductible, insurance covers the remaining $350.
With Lemonade Car, when you have comprehensive and collision coverage, you might be able to add extended glass coverage (depends on your state). Deductibles range from $0 to $50 and cover windshields, side windows, back windows, and sunroofs or moonroofs.
That’s pretty solid, considering windshield replacement can cost anywhere from $200 to over $1,500 for luxury cars with advanced features.
When does car insurance cover a broken window from theft?
According to the National Insurance Crime Bureau (NICB), vehicle thefts in the US fell 23% in 2025 compared to 2024. Theft rates are dropping, but they haven’t disappeared, and comprehensive coverage helps when your window gets broken during a break-in.
Wondering where vehicle theft is still a problem? Here are the top ten states impacted in the first half of 2025:
