Best Windshield Replacement Coverage in North Carolina (Top 10 Companies in 2025)
Nationwide, Travelers, and Liberty Mutual offer the best windshield replacement coverage in North Carolina, starting from only $53 per month. Our goal is to help you compare quotes from these reputable insurers, ensuring you find the ideal coverage to give you peace of mind and reassurance.
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Licensed Insurance Agent
Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chris works tireles...
Chris Abrams
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Tracey L. Wells
Updated April 2025
3,071 reviewsCompany Facts
Full Coverage Windshield Replacement in NC
A.M. Best
Complaint Level
Pros & Cons
3,071 reviews
1,734 reviewsCompany Facts
Full Coverage Windshield Replacement in NC
A.M. Best
Complaint Level
Pros & Cons
1,734 reviews
3,792 reviewsCompany Facts
Full Coverage Windshield Replacement in NC
A.M. Best
Complaint Level
Pros & Cons
3,792 reviewsNationwide emerges as the leading choice for the best windshield replacement coverage in North Carolina, offering competitive rates beginning at just $53 per month for comprehensive protection.
Teaming up with Travelers and Liberty Mutual, they provide budget-friendly rates and an extensive range of comprehensive coverage options customized to suit your individual driving requirements.
Our Top 10 Company Picks: Best Windshield Replacement Coverage in North Carolina
Company Rank Multi-Policy Discount A.M. Best Best For Jump to Pros/Cons
#1 11% - 20% A+ SmartRide Program Nationwide
#2 13% - 19% A++ IntelliDrive Program Travelers
#3 5% - 10% A Uber Drivers Liberty Mutual
#4 9% - 13% A+ Tailored Policies The Hartford
#5 13% - 17% A++ Add-Ons Auto-Owners
#6 11% - 14% A+ Competitive Rates Progressive
#7 16% - 17% A Group Discounts Farmers
#8 8% - 18% A++ Military Members USAA
#9 4% - 6% A Young Volunteers American Family
#10 5% - 11% A+ Full Coverage Allstate
But will auto insurance cover a cracked windshield? Wondering about North Carolina’s laws on windshield repair and insurance coverage? While there’s no mandate for zero-deductible options, comprehensive coverage can still cover repairs. Learn more about windshield replacement in North Carolina and find the best rates near you by entering your ZIP code above.
- Nationwide provides competitive pricing starting at $53 per month
- Top insurance companies offer potential discounts for windshield replacement
- Numerous discount opportunities exist for windshield replacement coverage
#1 – Nationwide: Top Overall Pick
Pros
- Wide Network: Nationwide, as mentioned in our Nationwide insurance review, has a vast network of approved auto repair shops, making it convenient for policyholders to get their windshield replaced or repaired quickly.
- Comprehensive Coverage Options: Nationwide offers a variety of comprehensive coverage options, including windshield replacement coverage, allowing customers to tailor their policies to their specific needs.
- Discount Programs: Nationwide provides various discount programs, such as safe driver discounts or bundling discounts, which can help policyholders save money on their premiums.
Cons
- Premium Costs: While Nationwide offers comprehensive coverage, some customers may find their premiums to be higher compared to other providers, especially for windshield replacement coverage.
- Limited Availability: Nationwide may not be available in all states, which could be a drawback for customers looking for nationwide coverage.
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#2 – Travelers: Best for IntelliDrive Program
Pros
- IntelliDrive Program: Travelers offers the IntelliDrive program, which utilizes telematics technology to track driving behavior and potentially lower premiums for safe drivers.
- Responsive Claims Handling: Our Travelers auto insurance review reveals that Travelers is known for its efficient and responsive claims handling process, ensuring that customers receive prompt assistance when filing a windshield replacement claim.
- Flexible Policy Options: Travelers provides flexible policy options, allowing customers to customize their coverage to meet their specific needs and budget.
Cons
- Limited Coverage Options: While Travelers offers competitive rates, some customers may find that their coverage options for windshield replacement are not as extensive as other providers.
- Geographical Limitations: Travelers may have limited availability in certain regions, which could be a drawback for customers seeking coverage in those areas.
#3 – Liberty Mutual: Best for Uber Drivers
Pros
- 24/7 Claims Assistance: Liberty Mutual offers 24/7 claims assistance, allowing customers to file windshield replacement claims at any time for added convenience. For further insights, refer to our Liberty Mutual auto insurance review.
- Multi-Policy Discounts: Liberty Mutual provides multi-policy discounts for customers who bundle their auto insurance with other policies, such as home or renters insurance, helping them save on premiums.
- Customizable Coverage: Liberty Mutual offers customizable coverage options, allowing customers to tailor their policies to their individual needs, including comprehensive coverage for windshield replacement.
Cons
- Higher Premiums for Some: While Liberty Mutual offers comprehensive coverage options, some customers may find that their premiums are higher compared to other providers, especially for windshield replacement coverage.
- Policy Restrictions: Liberty Mutual may have certain restrictions or limitations on coverage, depending on the policy type and terms, which could affect customers’ ability to fully utilize their benefits.
#4 – The Hartford: Best for Tailored Policies
Pros
- Tailored Policies: The Hartford specializes in tailored policies, offering personalized coverage options that cater to individual needs, including comprehensive coverage for windshield replacement.
- Dedicated Customer Support: The Hartford provides dedicated customer support, with knowledgeable agents available to assist policyholders throughout the claims process, ensuring a smooth experience.
- Affordable Rates for Seniors: The Hartford offers competitive rates for seniors, making it an attractive option for older drivers looking for comprehensive coverage, including windshield replacement.
Cons
- Limited Availability: The Hartford may have limited availability in certain regions, restricting access to their comprehensive coverage options for some customers. Read our The Hartford auto insurance review for your guide.
- Less Competitive Rates for Younger Drivers: While The Hartford offers affordable rates for seniors, younger drivers may find their premiums to be less competitive compared to other providers, especially for windshield replacement coverage.
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#5 – Auto-Owners: Best for Add-Ons
Pros
- Excellent Customer Service: Auto-Owners is known for its excellent customer service, with responsive agents who are dedicated to providing assistance and guidance to policyholders, including during windshield replacement claims.
- Strong Financial Stability: Auto-Owners boasts strong financial stability and reliability, providing policyholders with confidence that their claims, including those for windshield replacement, will be promptly and fairly handled.
- Flexible Coverage Options: Auto-Owners offers flexible coverage options, allowing customers to customize their policies to suit their specific needs, including comprehensive coverage for windshield replacement.
Cons
- Limited Availability: Auto-Owners may have limited availability in certain regions, potentially restricting access to their comprehensive coverage options for some customers. Read more in our Auto-Owners auto insurance review for your guidance.
- Higher Premiums for Some: While Auto-Owners provides excellent service and coverage options, some customers may find that their premiums are higher compared to other providers, particularly for windshield replacement coverage.
#6 – Progressive: Best for Competitive Rates
Pros
- Competitive Rates: Progressive offers competitive rates for auto insurance, including comprehensive coverage for windshield replacement, making it an attractive option for budget-conscious customers.
- Convenient Online Tools: Progressive provides convenient online tools and resources for policy management, claims filing, and tracking, enhancing the overall customer experience.
- Snapshot Program: Progressive’s Snapshot program rewards safe driving habits with potential discounts on premiums, including those for comprehensive coverage such as windshield replacement.
Cons
- Claims Processing Time: In our Progressive auto insurance review, some customers may experience longer claims processing times with Progressive, especially for windshield replacement claims, which could lead to delays in getting repairs or replacements.
- Limited Coverage Options: While Progressive offers competitive rates, some customers may find that their coverage options for windshield replacement are not as extensive as other providers, potentially limiting their choices.
#7 – Farmers: Best for Group Discounts
Pros
- Wide Range of Coverage Options: Farmers Insurance offers a wide range of coverage options, including comprehensive coverage for windshield replacement, allowing customers to tailor their policies to their specific needs.
- Discount Opportunities: Farmers, as mentioned in our Farmers auto insurance review, provides various discount opportunities, such as multi-policy discounts or safe driver discounts, helping policyholders save on their premiums.
- Strong Customer Satisfaction: Farmers Insurance has a strong track record of customer satisfaction, with responsive agents and efficient claims handling, ensuring that policyholders receive the support they need, including for windshield replacement.
Cons
- Premium Costs: While Farmers Insurance offers comprehensive coverage options, some customers may find their premiums to be higher compared to other providers, especially for windshield replacement coverage.
- Policy Limitations: Farmers Insurance may have certain limitations or restrictions on coverage, depending on the policy type and terms, which could impact customers’ ability to fully utilize their benefits.
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#8 – USAA: Best for Military Members
Pros
- Exclusive Membership: USAA offers insurance exclusively to military members and their families, providing specialized coverage options tailored to their unique needs, including comprehensive coverage for windshield replacement.
- High Customer Satisfaction: USAA consistently receives high ratings for customer satisfaction, with responsive service and efficient claims handling, ensuring that policyholders receive the support they need during windshield replacement claims.
- Financial Stability: USAA is known for its strong financial stability, providing policyholders with confidence that their claims, including those for windshield replacement, will be promptly and fairly handled.
Cons
- Membership Eligibility: USAA membership is limited to military members and their families, excluding civilians from accessing their insurance products and comprehensive coverage options for windshield replacement.
- Limited Availability: USAA may have limited availability in certain regions, potentially restricting access to their specialized coverage options for some eligible customers. Read more in our USAA auto insurance review.
#9 – American Family: Best for Young Volunteers
Pros
- Customizable Policies: American Family offers customizable policies, allowing customers to tailor their coverage to their specific needs, including comprehensive coverage for windshield replacement.
- Discount Programs: Our examination of American Family insurance review reveals that they provide various discount programs, such as bundling discounts or loyalty discounts, helping policyholders save on their premiums for comprehensive coverage options.
- Local Agents: American Family employs local agents who provide personalized service and guidance to policyholders, including assistance with windshield replacement claims and navigating coverage options.
Cons
- Premium Costs: While American Family offers customizable policies, some customers may find their premiums to be higher compared to other providers, especially for windshield replacement coverage.
- Claims Handling Time: Some customers may experience longer claims handling times with American Family, which could lead to delays in getting repairs or replacements for windshield damage.
#10 – Allstate: Best for Full Coverage
Pros
- Nationwide Coverage: Allstate offers nationwide coverage, providing accessibility to customers across the country and ensuring comprehensive coverage options, including windshield replacement, are widely available. Use our Allstate auto insurance review as your guide.
- Innovative Tools: Allstate provides innovative tools and resources, such as the Drivewise program, which tracks driving behavior and rewards safe driving habits with potential discounts on premiums, including those for windshield replacement coverage.
- Strong Financial Strength: Allstate boasts strong financial strength ratings, instilling confidence in policyholders that their claims, including those for windshield replacement, will be handled promptly and fairly.
Cons
- Premium Costs: While Allstate offers comprehensive coverage options, some customers may find their premiums to be higher compared to other providers, especially for windshield replacement coverage.
- Mixed Customer Service Reviews: Allstate’s customer service reviews are mixed, with some customers reporting dissatisfaction with claims handling processes and communication, potentially leading to frustrations when filing windshield replacement claims.
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Windshield Replacement Insurance in North Carolina
In North Carolina, auto glass coverage is part of comprehensive insurance, which protects against fire, theft, and collisions with animals. Collision insurance may also cover glass damage from crashes.
Windshield Replacement Coverage in North Carolina: Monthly Rates by Coverage Level & Provider
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
 | $109 | $257 |
 | $52 | $124 |
| $58 | $140 |
 | $63 | $150 |
 | $60 | $145 |
 | $53 | $125 |
 | $71 | $168 |
 | $20 | $48 |
 | $64 | $151 |
| $28 | $66 |
While a zero-deductible option isn’t mandated, some insurers offer it. Comparison shopping is key, but remember, deductibles mean you’ll likely pay some repair costs out of pocket.
North Carolina Windshield Replacement Laws
Getting Auto Glass Coverage in North Carolina
To ensure full glass coverage in North Carolina, secure comprehensive insurance, which protects against various windshield damages. Also, consider adding collision coverage for additional protection in case of vehicle collisions. Inquire about zero-deductible options to potentially minimize out-of-pocket expenses.
Familiarize yourself with legal obligations regarding windshield repair or replacement. If you’re in need of high-risk auto insurance, promptly file a claim with your insurer if damage occurs, and then take your vehicle to a repair shop equipped with coverage details for quick resolution.
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North Carolina’s Full Glass Coverage: The Bottom Line
Frequently Asked Questions
Does auto insurance in North Carolina cover windshield replacement?
Yes, auto insurance in North Carolina can cover windshield replacement. However, it depends on the specific coverage you have selected for your policy.
What type of auto insurance coverage typically covers windshield replacement?
Comprehensive coverage is the type of auto insurance that usually covers windshield replacement. It protects against damage to your vehicle caused by incidents other than collisions, such as theft, vandalism, and natural disasters, including damage to the windshield. Enter your ZIP code now.
Is windshield replacement covered under the minimum auto insurance requirements in North Carolina?
Can I add comprehensive coverage to my auto insurance policy in North Carolina?
Yes, you can add comprehensive coverage to your auto insurance policy in North Carolina. It’s an optional coverage that provides additional protection for your vehicle against various non-collision-related incidents, including windshield damage.
What is the deductible for windshield replacement under comprehensive coverage?
The deductible for windshield replacement under comprehensive coverage can vary depending on your insurance policy. Deductibles typically range from $0 to $500 or more. You’ll need to review your policy documents or contact your insurance provider to determine the specific deductible amount for windshield replacement. Enter your ZIP code now to start.
Are there any limitations or restrictions on windshield replacement coverage?
Do I need to pay a separate premium for windshield replacement coverage?
The cost of windshield replacement coverage is typically included in the premium for comprehensive coverage. When you purchase comprehensive coverage as part of your auto insurance policy, the premium you pay will reflect the overall coverage, including windshield replacement.
How can I file a claim for windshield replacement?
If you have comprehensive coverage and need to file a claim for windshield replacement, you should contact your insurance provider. They will guide you through the claims process and provide instructions on how to proceed. Be prepared to provide details about the damage, any supporting documentation, and possibly schedule an inspection or repair appointment. Enter your ZIP code now to begin.
How do the top insurance providers in North Carolina differ in their comprehensive coverage options for windshield replacement, and what factors should customers consider when selecting coverage?
Comprehensive coverage options for windshield replacement vary among insurers in North Carolina. When considering types of auto insurance, such as comprehensive coverage, customers should weigh factors like deductible amounts, coverage limits, and additional benefits to tailor their coverage to their needs.
What are the key distinctions in customer satisfaction and claims processing between Nationwide, Travelers, and Liberty Mutual regarding windshield replacement coverage in North Carolina?
Nationwide, Travelers, and Liberty Mutual differ in customer satisfaction and claims processing for windshield replacement coverage in North Carolina. Comparing factors such as claims handling efficiency, responsiveness, and overall customer experience can help policyholders make informed decisions.
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