In addition to states with free windshield replacement laws, there are a handful of states that offer, at your option in exchange for a premium, separate glass coverage with a no or low deductible option for windshield replacements. To qualify for glass coverage, these states usually require you to carry comprehensive coverage on your auto policy.
In Arizona, for example, the law requires an option for glass coverage with no deductible for a windshield replacement. Other states that offer similar glass coverage include:
Connecticut
Massachusetts
Minnesota
New York