In Arizona you need comprehensive coverage or full glass coverage, both optional coverages, on your vehicle in order for your windshield to be covered by your auto insurance.
In AZ, comprehensive insurance is usually sold with a $250 to $1,000 deductible. All companies are required to offer full glass coverage which comes without a deductible.
This "full glass" coverage (may also be known as full safety equipment coverage) provides full repair or replacement of all glass used in the windshield, windows, and doors, and all glass, plastic or other materials used in the lights of a motor vehicle without regard to any deductible.
Full glass may to pay to repair or replace the windshield, windows, mirrors, as well as the glass, plastic or other material used in the lights of the vehicle, without having to pay the comprehensive deductible.
So while comprehensive insurance will reimburse you if your windshield is cracked or shattered and glass coverage is available without a deductible, you need to have one of these types of insurance on your vehicle in able to get your windshield repaired or replaced by putting a claim through your insurance company. Having liability alone will not allow you to place a claim for glass damages on you own vehicle.
For comprehensive or full glass auto insurance quotes online for Arizona, click here.