North Dakota Windshield Insurance: What are the Full Glass coverage laws in North Dakota?

In North Dakota, it's only illegal to drive with windshield damage if it obstructs the view of the driver. Ask your ND insurance provider about $0 deductible options for North Dakota windshield replacement insurance.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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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

UPDATED: Jul 15, 2021

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Things to remember...

  • If you file an auto insurance claim for your full glass repair project in North Dakota, your insurance company may legally elect to pay for a used or aftermarket windshield glass as long as it is of similar quality
  • Because North Dakota car insurance companies do not specify that the consumer can choose which provider they want to replace a windshield, your insurance policy terminology will be a deciding factor if you file a claim
  • Some North Dakota auto insurance companies may offer zero deductible full glass replacement coverage, but this is not a legal requirement

Can I drive with a cracked windshield in North Dakota?

While windshields are designed to be a protective feature for all occupants inside the car, their unique location and glass composition mean that they are vulnerable to being damaged by many types of objects that could strike the glass.

In fact, any time you get behind the wheel of your vehicle in North Dakota, the glass may potentially be damaged while it protects you from projectile objects.

These objects may include:

  • Items flying out of a truck bed in front of you
  • Rocks or pebbles
  • Birds
  • Miscellaneous debris in the road that becomes airborne

Some North Dakota drivers who are only dealing with a small chip or a minor crack may be inclined to overlook the damage and go on with their day, but this is a serious matter that requires your prompt attention.

To be fully protected and to provide you with complete visibility while you drive, the entire windshield should be in excellent condition without any blemishes or signs of damage. Compare rates with our FREE quote tool above! 

Remember that a small chip or crack could easily expand across your window, creating an even greater risk of injury or mishap on the road within a few hours in most cases.

The first step to take if you are ready to replace or repair your windshield is to obtain several glass replacement quotes. Then, you should compare the cost of the service against the terms of your auto insurance coverage for windshield replacement.

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Glass Replacement Coverage in North Dakota

When you analyze your current auto insurance policy, you may discover that you have glass replacement coverage.

This type of insurance is most commonly associated with comprehensive insurance, which pays for repairs related to a wide range of damaging events.

Not all comprehensive auto policies include glass coverage, so you will need to read the fine print of your policy’s terms carefully.

Be aware that the terms of your full glass coverage may be different than the terms on another driver’s policy. For example, the deductible and coverage limits may vary, and this could affect how beneficial it may be to file a claim.

If you have glass coverage on your existing policy, your next task is to analyze your auto insurance deductible relevant for a glass repair or replacement service.

What are the laws regarding glass replacement deductibles in North Dakota?

Some North Dakota car insurance policies are set up with no deductible on glass replacement claims. While this is a legal requirement for a few states, it is not a law in North Dakota.

If your policy does not include zero-deductible coverage, you may have a low deductible amount linked to glass coverage.

Other policies that have glass replacement coverage may require policyholders to pay the full deductible amount established for any type of claim you may file.

A typical glass replacement service in North Dakota may only cost a few hundred dollars at most. If you have a high deductible for this type of claim, using your auto insurance company to pay for the damage is not ideal.

Will my auto insurance rates increase if file a claim?

It is possible that your auto insurance rates may increase in the future after you file a claim, so it could be beneficial to pay for the glass replacement service on your own in some cases.

It is best to compare policy options and choose desirable coverage before you need to file a claim. Now that your vehicle is already damaged, you must make a decision about filing a claim based on your current coverage.

You can, however, upgrade your coverage as desired so that you are better prepared for future cracked windshield claims. Requesting a few online quotes and paying attention to the terms and limits for glass replacement coverage are great ideas.

Choosing Your Glass Service Provider and Materials in North Dakota

The primary options for glass materials used in a replacement service are OEM glass, aftermarket glass, and used glass. When you visit a reputable auto service provider for a glass replacement, you may assume that OEM glass would be used.

However, North Dakota law permits auto insurance providers to pay only for used or aftermarket glass if you file a claim.

The main legal requirement for insurance companies that use aftermarket glass is that the glass is similar in quality to OEM glass.

North Dakota drivers who file a claim against their auto insurance policy for glass repair or replacement service may be able to select their own glass repair company, but this decision is ultimately determined by your auto insurance policy.

Some policies require the insurance company to select the glass repair company, and others do not have this requirement.

If you are concerned about who may repair your windshield in the future or about the type of material that may be used, you should carefully select a good policy that meets your needs going forward. Don’t miss out on our FREE quote tool below! Just enter your ZIP code and start comparing rates now!



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