I live in Colorado and one my 2nd windshield in a year. I had a chip in my new one within 2 months and I hardly drive my JK other than recreation and weekends.
State Farm is one of the few companies with a no deduction glass replacement option. I'd had that for years and it's probably the only way I get my money worth from insurance.

 

State farm covers rock chip repairs under the standard deductible in many states. They changed that back in 06-07 and for like a year I had state farm people grouching at me for a while because SF wasn't covering the claims.

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same with my 2010, like someone said, the windshield is at such an angle that it takes the brunt of any object or debris. Beofre i had mine replaced, it looked like someone sandblasted my windshield

 

Those "bug shields" are supposed to help direct air flow over the windshield. I wonder if there's independent testing on those to see if they truely work...

 

I live in the Springs and drive on I25 for about 24 miles daily and my windshield is so pitted with about a half dozen chips. I hear rocks/pebbles bounce off regularly. I am going to replace the glass just before i move to OK in July. Sad part is I bought my rig new last June and the windshield looks like crap already.

 

They help deflect bugs, but not rocks and sand/gravel.

 

I don't know about that.

My 2000 TJ, I had the deflector on it from day one and never had a chip.

The 2013 JKUR I just bought has a chip and I've had it a month...no deflector.

Maybe it's a coincidence, but there ya go.