New Hampshire Windshield Insurance: What are the Full Glass coverage laws in New Hampshire?

In New Hampshire, it's illegal to drive with any windshield damage, including minor chips. Ask your provider about $0 deductible options for NH windshield replacement insurance.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Written by Rachel Bodine
Feature Writer Rachel Bodine

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Jul 15, 2021

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Things to remember...

  • Drivers in New Hampshire face hazards capable of cracking their vehicles’ windshields.
  • New Hampshire’s laws regarding insurance rules for repairs appear driver-friendly.
  • Drivers still need to carry comprehensive insurance to cover windshield damage in most instances.

New Hampshire might be a small state, but there is still a lot to see on the highways and roads.

Ironically, New Hampshire’s nickname of the “Granite State” coincides with the risk of rocks or pebbles hitting a car’s windshield while driving. Other hazards might also cause cracks in windshields.

Fixing the problem as quickly as possible remains advisable since cracked windshields may obstruct the driver’s field of vision on the road. Make sure you are covered with our free quote tool above today!

Zero-Deductible Full Glass Coverage Laws in New Hampshire

Claims on damaged windshields may or may not require a deductible to be paid out of pocket prior to the insurance company issuing money for a loss. Certain policies might come with a zero-deductible provision for windshield cracks.

This means the policy’s deductible amount won’t be required when repairing a windshield. No law in New Hampshire mandates an insurance company to put this provision in all policies, though.

Only a small number of states maintain “free windshield replacement” laws. You could pay more for a full zero-deductible policy covering all damage-related losses.

Paying for a higher premium for a policy that eliminates deductibles on all claims might be worthwhile for certain customers. Review a few auto insurance quotes to see what zero-deductible policies cost.

How do you fix a windshield with a chip?

The severity of chipping or cracking in the windshield dictates the appropriate fix. With a minor crack, a specialist may perform a quick patch-job repair.

Significant cracks might require the windshield be replaced. Depending on your auto insurance policy, and if you have cracked windshield insurance, then filing a claim could lead to a settlement covering all or a large portion of the costs.

Laws Regarding Cracked Windshields in New Hampshire

Be sure to double-check the laws in New Hampshire to determine how much say the insurance company has regarding how and where the repairs are done.

Become familiar with New Hampshire law regarding any potential citations and fines, too. New Hampshire law prohibits driving a vehicle with any cracks. Those who do may find themselves paying at least a $75 fine.

What is comprehensive coverage?

Outside of incidents involving another driver’s negligence, insurance payments on the damaged windshield, even in zero-deductible states, only occur when comprehensive insurance is in place. Comprehensive insurance covers non-collision damage to your vehicle.

A Windshield may crack from falling rocks, hot air expanding inside the vehicle, deliberate vandalism, hail, and more. Without comprehensive coverage, you wouldn’t be able to file a claim on your policy.

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What are the laws concerning replacement parts in New Hampshire?

Regarding replacement parts, New Hampshire law dictates it is legal to use aftermarket parts for a repair job. However, the law does regulate the allowable conditions using these parts.

Three elements must be in place to bar the use of aftermarket parts:

  • The vehicle is two years old or less.
  • The vehicle’s mileage clocks 30,000 or less.
  • The owner requests OEM parts.

Contacting the insurance company before authorizing repairs would be recommended.

You do not want to approve repairs that the insurance company isn’t obligated to pay. Checking with the insurance company to make sure the claim won’t be jeopardized makes sense.

Laws Governing Choice of Repair Vendor in New Hampshire

New Hampshire has one very driver-friendly rule in place. The insured retains the right to choose the location for repairs. In other states, an insurance company may be able to dictate who does the repairs.

Extra freedom to choose a repair shop likely makes many more drivers comfortable about requesting the work.

Again, double-check with the insurance company prior to taking the vehicle to a garage. Doing so serves an additional measure to ensure you are in compliance with your policy.

Where can I find cheap auto insurance in New Hampshire?

Finding an auto insurance policy you are comfortable with shouldn’t be too difficult for New Hampshire residents. The internet allows for requesting online quotes by submitting a simple application.

Seek four or more quotes and request them every six months even if you already have a policy.

This way, you can feel confident you are always presented with the best possible options. Don’t miss out on our free quote tool below! Just enter your ZIP code and start comparing rates now!



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