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

Things to remember...

  • North Carolina does not offer an automatic no deductible auto glass coverage
  • Auto glass is only covered if you have a comprehensive coverage policy in North Carolina
  • Some North Carolina auto insurance companies offer special zero-cost repairs and replacements under certain policies

Fender-benders in the parking lot, rear-end accidents at red lights, and side-swipe accidents at intersections are some common car accident situations North Carolina residents are familiar with much to your own dismay.

You know these things could happen anytime you get into the car, and you know that it doesn’t have any bearing on your own driving abilities. You cannot control the driving abilities of others, which means you’re always at risk in the car.

While you might be aware that any of those things can happen to you on the roads in North Carolina, it probably doesn’t cross your mind nearly as often that sometimes it’s the littlest accidents that make the biggest impact.

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Table of Contents

Can I drive my car with a cracked windshield?

Driving with a crack or chip in your windshield might not seem like a big deal to many North Carolina drivers, but it’s dangerous for a couple of reasons:

  • It could grow and weaken your windshield, which puts you at risk if you are involved in an accident.
  • It might also hinder your vision when you’re on the road, which definitely hinders your ability to drive safely.

You want to get any imperfections in your windshield repaired right away to help keep you safe, and it also helps to prevent you from receiving a ticket or a warning from an officer.

All you need to know is whether you’re paying for this repair or replacement out of your own pocket or if your insurance is covering the cost of repair or replacement.

If you don’t carry auto glass coverage, you might consider shopping for a new car insurance policy so you can receive this coverage at the best rate. Shop and compare car insurance quotes today by entering your zip code into our free rate tool above.

Car Insurance Coverage Requirements in North Carolina

Car insurance is not optional for North Carolina drivers. You must carry a policy, and you must know what kind of coverage you need. If you do not drive with an insurance policy, you risk being issued fines, potential jail time, and even other penalties as a result.

The state requires you carry a specific amount of insurance for your own protection. The financial downfall of driving without insurance can bankrupt you even if you make a good living by the time car repairs, hospital bills, and personal injury lawsuits are settled.

In North Carolina, you must carry the following limits at a minimum:

  • $30,000 per person in bodily injury insurance
  • $60,000 per accident in bodily injury protection
  • $25,000 in property damage insurance

This requirement helps protect you if you’re involved in an accident.

If you finance your vehicle or lease your vehicle through a lender or bank, you’ll need to purchase insurance coverage that meets the lender’s requirements.

Lenders want your car covered in full if you owe money, which means the minimum requirements are not only met but so are the other many other coverage types.

Auto Glass Insurance Coverage in North Carolina

North Carolina lawmakers do not require you carry auto glass coverage if you own your car and choose only the basic insurance coverage.

However, it’s common for any full coverage policy to include glass coverage. It’s covered under the comprehensive portion of your insurance policy, and there are several options available to you if you choose to purchase this type of coverage in North Carolina.

If you do carry auto glass coverage, you may have the option to change the deductible on this coverage. This option helps you pay less when you need your windshield repaired.

It’s something you’ll need to ask about when you shop for insurance to see if the companies you’re comparing offer this kind of special deductible.

Not all companies offer this, but it’s worth looking into if you want to save money when you need your windshield repaired.

Some companies offer you a chance to have your windshield repaired or replaced at no charge to you, which means you’re not required to pay a deductible to get this kind of repair. You need to ask for this when comparing auto insurance quotes.

It might be the difference between a good policy and a great one.

How do I find cheap auto insurance in North Carolina?

There is no right or wrong policy for any North Carolina drivers. However, there are ways to make your policy a little better and a lot more affordable.

The best way is to repair any mistakes on your credit report.

This repair raises your score and allows you to get better, more affordable rates. You can also ask for the available discounts that pertain to you.

The Insurance Institute for Highways Safety issues safety ratings to all vehicles on the road, and yours might qualify for a discount if it’s one of the IIHS’s top safety picks.

You also get discounts from some providers for the following:

  • Being retired
  • Living close to work
  • Having more than one vehicle on a single policy

Check out what’s available to you to make your insurance more affordable. And don’t forget to compare car insurance quotes. You can do that right here by using our free and easy rate tool below.


  1. http://www.ncdoi.com/_Publications/Consumer%20Guide%20to%20Automobile%20Insurance_CAU1.pdf
  2. http://www.consumerfed.org/pdfs/140310_penaltiesfordrivingwithoutautoinsurance_cfa.pdf
  3. https://www.dedona.com/nc-insurance-coverage-information-for-auto-glass-repairs/
  4. https://www.ftc.gov/faq/consumer-protection/get-my-free-credit-report
  5. http://www.iihs.org/iihs/ratings

Auto Insurance FAQ / Auto Insurance Laws

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