Windshield replacement laws vary from state to state. In North Carolina, vehicle owners must have comprehensive insurance to make a windshield replacement claim. The claim can be for something as small as a small rock bouncing up off the roadway and causing a star break on your windshield. Remember that you’ll need to pay your comprehensive insurance deductible before your insurance provider covers the rest.

Key Highlights

  • The North Carolina windshield replacement law requires drivers to have comprehensive insurance in order to file a windshield replacement claim.
  • Comprehensive insurance covers damage to your windshield, as well as damage to the vehicle from fire, flooding and hail and theft.
  • Some states allow windshield replacement claims to be made without requiring the deductible to be met, but not North Carolina.

What is the North Carolina windshield replacement law?

According to North Carolina windshield replacement law, comprehensive insurance is necessary for filing a claim to replace a windshield. What people might not know is that comprehensive car insurance is optional and not mandatory in North Carolina. It is also important to understand that comprehensive insurance typically comes with a deductible, which is the amount you pay before your policy pays for repairs.

So, what is comprehensive insurance exactly? Comprehensive insurance covers damage from:

  • Animal collisions
  • Falling objects
  • Fire, flooding, hail and vandalism
  • Theft

Comprehensive insurance pays out up to the actual cash value of your car. The cost of comprehensive coverage is typically affordable. You can choose the deductible amount; $500 is a typical amount.

North Carolina car insurance, on average, is fairly affordable, costing about $396 a year to meet the state’s minimum liability coverage. A full coverage policy including comprehensive and collision insurance with a $500 deductible is $1,368 annually, according to 2022 data.

Which states are zero-deductible states for glass coverage?

In Arizona, Kentucky and South Carolina, drivers can file a comprehensive insurance claim to replace a windshield but do not have to pay for their windshield replacement by meeting their deductible. For this reason, these three states are called “zero deductible states.”

Other states — Connecticut, Florida, Massachusetts and New York — allow policyholders to waive the deductible in exchange for an increase in comprehensive premium. Also, some carriers may waive the comprehensive deductible for repairs, but not for the replacement of windshields.

Additionally, some car insurance companies will include glass repair and replacement at no charge to you. This means there is no deductible, but you may pay a bit more for the policy overall. If windshield replacement and repair is a big priority for you, be sure to ask how this is handled by the auto insurers that you consider when shopping for a policy.

Resources & Methodology


North Carolina Department of Motor Vehicles. “Insurance Requirements.” Accessed October 2022.

Quintero and Sons Auto Glass. “NC Windshield Replacement Law.” Accessed October 2022.

Methodology commissioned Quadrant Information Services to pull rates in 2022 for a 40-year-old male driver with a good driving record, 12-mile commute to work and full coverage insurance.

— Michelle Megna contributed to this story.


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Contributing Researcher

Maggie has twenty years of experience working in media. She is a writer and editor on car insurance and related issues. Before joining, she reported on health, education and lifestyle for magazines, websites and newspapers in Nevada.