I heard that your insurance company will replace your windshield if it gets hit. For example, what if the windshield is hit by a rock and makes a crack, will they replace it? I also heard that it will be free and it won’t increase the price of my insurance policy. Are all of these true?
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You need to call your insurance company or read your policy. Every company is different, and it depends what level of coverage you have. It has nothing to do with what state you’re in. The minimum liability insurance that you are required to have does not cover it. Many "full coverage" plans do cover it, and the deductible will vary based on your policy. It will probably only be free if its reparable, and you’ll have a deductible if it needs to be replaced.
I had this once while I was driving my dad’s car. It was lucky that I was in my dad’s car because his insurance covered it. I just called the insurance claims line and they told me the closest repair shop and set an appointment for me. It was a $100 deductible, and it did not affect the rates at all.