Best Windshield Replacement Coverage in South Carolina (Top 10 Companies in 2024)
State Farm, Allstate, and Geico provide the best windshield replacement coverage in South Carolina, starting at only $85 per month. Our goal is to help you compare quotes from these reputable insurers, ensuring you find the perfect coverage while benefiting from personalized discounts for your vehicle.
Joel Ohman
Certified Financial Planner
Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Joe...
Certified Financial Planner
UPDATED: May 28, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: May 28, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
17,754 reviewsCompany Facts
Full Coverage Windshield Replacement in South Carolina
A.M. Best Rating
Complaint Level
Pros & Cons
17,754 reviews
11,412 reviewsCompany Facts
Full Coverage Windshield Replacement in South Carolina
A.M. Best Rating
Complaint Level
Pros & Cons
11,412 reviews
19,116 reviewsCompany Facts
Full Coverage Windshield Replacement in South Carolina
A.M. Best Rating
Complaint Level
Pros & Cons
19,116 reviewsState Farm leads as the premier option for the best windshield replacement coverage in South Carolina, offering competitive rates that start at just $85 per month for comprehensive protection.
In collaboration with Allstate and Geico, they provide affordable rates and a diverse range of comprehensive coverage options designed to meet your specific driving needs.
Company Rank Safe Driver Discount A.M. Best Best For Jump to Pros/Cons
#1 20% - 30% B Personalized Policies State Farm
#2 15% - 20% A+ Drivewise Programs Allstate
#3 20% - 26% A++ Affordable Rates Geico
#4 20% - 30% A+ Snapshot Program Progressive
#5 15% - 25% A+ Vanishing Deductible Nationwide
#6 10% - 15% A Additional Discounts Farmers
#7 20% - 25% A++ Military Benefits USAA
#8 10% - 12% A Coverage Options Liberty Mutual
#9 15% - 23% A++ Safety Features Travelers
#10 10% - 15% A Customizable Policies American Family
- State Farm offers competitive rates beginning at $85 per month
- The best insurance providers offer chances to save on windshield replacements
- There are multiple discount options available for windshield replacement coverage
#1 – State Farm: Top Overall Pick
Pros
- Excellent Customer Service: State Farm is known for its exceptional customer service, with representatives readily available to assist policyholders with their windshield replacement needs.
- Wide Network of Approved Repair Shops: State Farm has a vast network of approved repair shops, making it convenient for policyholders to find a reputable facility for windshield replacement.
- Competitive Pricing: State Farm offers competitive pricing for windshield replacement coverage, ensuring policyholders get value for their money. Find out more in our State Farm auto insurance review.
Cons
- Limited Online Tools: State Farm’s online tools for managing policies and filing claims may be less intuitive compared to some other providers, potentially leading to a slightly less streamlined experience for tech-savvy customers.
- Policy Options Can Be Overwhelming: With a wide array of coverage options and add-ons, State Farm’s policy offerings may sometimes overwhelm customers who prefer simplicity in their insurance choices.
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#2 – Allstate: Best for Drivewise Programs
Pros
- Innovative Drivewise Programs: Allstate offers innovative Drivewise programs that reward safe driving behavior, potentially leading to discounts and benefits for policyholders who participate. Use our Allstate auto insurance review as your guide.
- User-Friendly Mobile App: Allstate’s mobile app provides a seamless experience for policyholders to manage their insurance policies, file claims, and track their driving habits, enhancing overall convenience.
- Generous Discounts: Allstate offers a variety of discounts for policyholders, including multi-policy discounts, safe driver discounts, and more, helping customers save on their insurance premiums.
Cons
- Higher Premiums for Some Policyholders: While Allstate offers numerous discounts, some policyholders may find that their premiums are higher compared to other providers, especially if they don’t qualify for many discounts.
- Limited Coverage Options in Certain Areas: Depending on the region, Allstate’s coverage options may be limited compared to other providers, potentially leaving some policyholders seeking specific types of coverage elsewhere.
#3 – Geico: Best for Affordable Rates
Pros
- Affordable Rates: Geico is known for offering competitive rates, making it an attractive option for budget-conscious individuals seeking windshield replacement coverage. Read more in our Geico auto insurance review.
- Simple Claims Process: Geico streamlines the claims process, allowing policyholders to easily file and track claims online or through their mobile app, minimizing hassle and inconvenience.
- Wide Range of Policy Discounts: Geico offers a variety of policy discounts, including discounts for safe driving, vehicle safety features, and more, helping policyholders save on their insurance premiums.
Cons
- Limited Coverage Options: Geico’s coverage options may be more limited compared to some other providers, potentially leaving policyholders seeking specialized or additional coverage options elsewhere.
- Variable Customer Service Quality: While Geico generally provides satisfactory customer service, some policyholders may experience inconsistency in service quality depending on the specific representative or situation.
#4 – Progressive: Best for Snapshot Program
Pros
- Snapshot Program: In our Progressive auto insurance review, Progressive’s Snapshot program rewards safe driving behavior by offering potential discounts based on actual driving habits, encouraging policyholders to drive more safely.
- Convenient Online Tools: Progressive offers user-friendly online tools and a mobile app that make it easy for policyholders to manage their policies, file claims, and access resources anytime, anywhere.
- Flexible Policy Options: Progressive provides a wide range of policy options and customizable coverage, allowing policyholders to tailor their insurance plans to their specific needs and budget.
Cons
- Higher Premiums for Some Drivers: While Progressive offers competitive rates for many policyholders, some individuals may find that their premiums are higher compared to other providers, especially if they have certain risk factors.
- Mixed Customer Service Reviews: While Progressive generally provides satisfactory customer service, some policyholders may encounter longer wait times or less helpful representatives, leading to mixed reviews of the company’s service quality.
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#5 – Nationwide: Best for Vanishing Deductible
Pros
- Vanishing Deductible Option: Nationwide, as mentioned in our Nationwide insurance review, offers a vanishing deductible option, where policyholders can earn deductible credits for safe driving, potentially reducing their out-of-pocket costs for windshield replacement and other claims.
- Strong Financial Stability: Nationwide boasts strong financial stability and reliability, providing peace of mind to policyholders that their claims will be paid promptly and efficiently.
- Diverse Coverage Options: Nationwide offers a diverse range of coverage options, including comprehensive windshield replacement coverage, allowing policyholders to customize their insurance plans to meet their individual needs.
Cons
- Limited Availability in Some Areas: Nationwide’s coverage may be limited in certain regions, potentially making it less accessible for individuals residing outside of its primary service areas.
- Mixed Customer Satisfaction Ratings: While Nationwide generally receives positive feedback for its customer service, some policyholders have reported issues with claims processing and communication, leading to mixed satisfaction ratings.
#6 – Farmers: Best for Additional Discounts
Pros
- Additional Discounts: Farmers, as mentioned in our Farmers auto insurance review, offers various additional discounts beyond standard ones, such as discounts for certain professions or affiliations, helping policyholders save even more on their insurance premiums.
- Personalized Coverage Options: Farmers provides personalized coverage options, allowing policyholders to tailor their policies to their specific needs and preferences, ensuring they have adequate protection for windshield replacement and other incidents.
- Strong Customer Support: Farmers is known for its strong customer support, with knowledgeable agents available to assist policyholders with any questions, claims, or concerns they may have.
Cons
- Potentially Higher Premiums: While Farmers offers comprehensive coverage and additional discounts, some policyholders may find that their premiums are higher compared to other providers, especially if they don’t qualify for many discounts.
- Limited Availability in Some Areas: Farmers’ coverage may be limited in certain regions, potentially making it less accessible for individuals residing outside of its primary service areas.
#7 – USAA: Best for Military Benefits
Pros
- Military Benefits: USAA offers exclusive benefits for military members and their families, including discounted rates, specialized coverage options, and exceptional customer service tailored to the unique needs of military personnel.
- Highly Rated Customer Service: USAA consistently receives high ratings for its customer service, with dedicated representatives available to assist policyholders with their insurance needs promptly and efficiently.
- Financial Stability: USAA maintains strong financial stability, ensuring policyholders that their claims will be paid reliably and efficiently, even in times of economic uncertainty.
Cons
- Limited Eligibility: USAA membership is limited to military members, veterans, and their families, excluding the general public from accessing its insurance products and benefits. Read more through our USAA auto insurance review.
- Potential Restrictions for Non-Military Members: While USAA provides exceptional service to its eligible members, non-military individuals may find limited options for accessing similar levels of coverage and service elsewhere.
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#8 – Liberty Mutual: Best for Coverage Options
Pros
- Comprehensive Coverage Options: Liberty Mutual offers comprehensive coverage options, including windshield replacement coverage, allowing policyholders to have peace of mind knowing they’re adequately protected against unexpected expenses.
- Customizable Policies: Liberty Mutual provides customizable policies, allowing policyholders to tailor their coverage to their specific needs and budget, ensuring they have the right level of protection for their vehicles.
- Strong Financial Strength: Liberty Mutual boasts strong financial strength and stability, giving policyholders confidence that their claims will be paid promptly and reliably, regardless of economic conditions.
Cons
- Potentially Higher Premiums: While Liberty Mutual offers comprehensive coverage and customizable policies, some policyholders may find that their premiums are higher compared to other providers, especially if they have certain risk factors. For further insights, refer to our Liberty Mutual auto insurance review.
- Mixed Customer Satisfaction Ratings: Liberty Mutual’s customer satisfaction ratings vary, with some policyholders reporting positive experiences while others have encountered issues with claims processing or customer service, leading to mixed reviews of the company’s overall performance.
#9 – Travelers: Best for Safety Features
Pros
- Safety Features Discounts: Travelers offers discounts for vehicles equipped with safety features such as anti-lock brakes, airbags, and anti-theft systems, incentivizing policyholders to invest in safer vehicles and potentially lowering their insurance premiums.
- Wide Range of Coverage Options: Travelers provides a wide range of coverage options, including comprehensive coverage for windshield replacement, giving policyholders flexibility to choose the level of protection that best suits their needs.
- Strong Financial Stability: Travelers maintains strong financial stability, assuring policyholders that their claims will be paid promptly and reliably, even in challenging economic conditions.
Cons
- Limited Availability in Some Areas: Our Travelers auto insurance review reveals that Travelers’ coverage may be limited in certain regions, potentially making it less accessible for individuals residing outside of its primary service areas.
- Higher Premiums for Some Drivers: While Travelers offers competitive rates for many policyholders, some individuals may find that their premiums are higher compared to other providers, especially if they have certain risk factors.
#10 – American Family: Best for Customizable Policies
Pros
- Customizable Policies: American Family offers customizable policies, allowing policyholders to tailor their coverage to their specific needs and budget, ensuring they have the right level of protection for their vehicles, including windshield replacement coverage.
- Discount Opportunities: American Family provides various discount opportunities, such as multi-policy discounts, safe driving discounts, and loyalty discounts, helping policyholders save on their insurance premiums.
- Strong Community Involvement: American Family is actively involved in supporting local communities through various initiatives and programs, fostering a positive image and relationship with its policyholders.
Cons
- Potentially Limited Coverage Options in Some Areas: Depending on the region, American Family’s coverage options may be limited compared to other providers, potentially leaving some policyholders seeking specific types of coverage elsewhere.
- Mixed Customer Satisfaction Ratings: While American Family generally receives positive feedback for its customer service and community involvement, some policyholders have reported issues with claims processing or communication, leading to mixed satisfaction ratings. Read more through our American Family auto insurance review.
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Glass Replacement Laws and Insurance in South Carolina
Matching My Old Windshield
Windshield Replacement
Replacing your windshield can be a quick and convenient process, often taking 30 minutes or less with services like Safelite that come to you.
It’s covered by comprehensive auto insurance in states like Arizona, Florida, Kentucky, Massachusetts, New York, and South Carolina, where no-deductible glass coverage is required by law. However, if you have liability-only insurance, you may need to pay for the replacement out of pocket.
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South Carolina Windshield Insurance: The Bottom Line
Frequently Asked Questions
Can I get my windshield repaired instead of replaced?
Minor windshield damage can often be repaired, but extensive or obstructive damage may require replacement for safety reasons.
Are there any limitations or exclusions for windshield replacement coverage in South Carolina?
Policy limitations and exclusions vary, so review your policy or contact your insurance company for specific details. Enter your ZIP code now to begin.
Can I get my windshield replaced if I don’t have comprehensive insurance?
Without comprehensive coverage or liability auto insurance, you’ll likely have to pay for windshield replacement out of pocket.
Will filing a windshield replacement claim affect my insurance rates?
Windshield claims usually don’t result in premium increases, as they are classified as comprehensive claims.
How do I file a windshield replacement claim in South Carolina?
Contact your insurance company directly to initiate the windshield replacement claim and follow their instructions. Enter your ZIP code to start comparing.
Can I choose any repair facility for windshield replacement?
In most cases, you can choose the repair facility, but it’s advisable to check with your insurance company, like collision insurance, for any preferred or approved shops.
What are the top three insurance providers offering the best windshield replacement coverage in South Carolina, and what is their starting monthly rate?
The top three insurance providers offering the best windshield replacement coverage in South Carolina are State Farm, Allstate, and Geico. Their starting monthly rates are as low as $85 per month.
What is the South Carolina windshield replacement law, and does insurance typically cover it?
The South Carolina windshield replacement law typically includes coverage for a cracked windshield under comprehensive insurance, offering repair and replacement with no deductible, meaning no out-of-pocket costs for policyholders. Enter your ZIP code now to start.
What are some factors to consider when choosing a repair facility for windshield replacement, and what are the options for replacement glass?
When choosing a repair facility or types of auto insurance for windshield replacement, policyholders should consider whether they’ll receive OEM (Original Equipment Manufacturer) glass or aftermarket glass, which may vary in quality. Options for replacement glass should be discussed with the repair facility before scheduling the repair.
How can policyholders in South Carolina ensure they won’t incur out-of-pocket expenses for windshield repairs, and what steps can they take if they need to file a windshield replacement claim?
Policyholders in South Carolina can ensure they won’t incur out-of-pocket expenses for windshield repairs by confirming if their policy includes zero-deductible glass coverage. If not, they can explore options for better glass coverage and file a windshield replacement claim by contacting their insurance company directly and following their instructions.
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Joel Ohman
Certified Financial Planner
Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Joe...
Certified Financial Planner
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
