Minnesota glass coverage: $0 glass is an option you add, not a right you have

Minnesota is regularly listed as a "free windshield state." It isn't. The law requires insurers to offer no-deductible safety glass coverage; it doesn't give it to you. If the option is on your policy, glass claims cost $0. If not, your comprehensive deductible applies as usual, and a Minnesota winter's worth of gravel and thermal-shock cracks comes out of your pocket up to that deductible, every time.

Check, then decide

Your declarations page will show "full glass" or "safety glass" coverage as a line item if you have it. With it: file and pay nothing for the glass. Without it: compare your deductible against the real job cost, camera recalibration included, which on a camera-equipped car can push a windshield past $900. The statute doesn't say whether "safety glass" includes sunroof or panoramic glass, so if that's what broke, ask your insurer rather than assuming.

Worth doing at renewal

If you don't have the option, price it. In a state where windshields crack seasonally, a few dollars a month against a $500 deductible is one of the rare insurance add-ons that regularly pays for itself. That's not a recommendation to buy; it's arithmetic you can run yourself.