Georgia Windshield Replacement Law

Windshield replacement laws in Georgia don’t require insurance companies to offer this service for free, but if you sign up for comprehensive coverage it may be included.
Written by Melanie Krieps Mergen
Edited by Amy Bobinger
, car insurance companies are not required to offer coverage for glass repair or replacement. However, if you’re looking to add this coverage to your policy, some insurers do offer it as part of their comprehensive coverage. 
  • In Georgia, you’ll need to purchase a comprehensive
    car insurance
    policy if you want your insurance to potentially cover a windshield replacement. 
  • Look for a clause in your policy details that specifically addresses windshield damage and replacement.
  • Even if your windshield replacement is covered, keep in mind there may be a deductible to be paid before insurance kicks in. 

Georgia law and windshield replacement

Unlike some states,
Georgia’s driving laws
do not require insurance companies to provide coverage that includes windshield replacement. 
The only insurance required by Georgia law is
liability car insurance
. To hit the road as a Georgia driver, you need a policy with $25,000 of
property damage liability
per accident, $50,000 of bodily injury liability per accident, and $25,000 of
bodily injury liability
per person.
This liability coverage only pays for the other party's damage and medical bills in the event of an accident where you are found at fault. This coverage will not take care of your own costs. 
If you want coverage that might be able to replace your windshield for you regardless of who is at fault, you may want to consider full coverage, which includes
comprehensive insurance
collision insurance
When it comes to windshield replacement, however, you may have to pay for service even with that additional coverage—if the glass is damaged or needs to be completely replaced, you may still have to pay a deductible.
Keep in mind that comprehensive insurance only covers non-collision-related damage such as falling objects or severe weather. If the damage is the result of a collision, your comprehensive coverage may not pay for the repair. 

Who pays for windshield replacement in Georgia

If your windshield is in need of replacement in Georgia, there are a few factors that will determine who has to pay up. 
While Georgia law does not require that insurance companies offer full free replacement of a windshield as part of your comprehensive policy, you could potentially get a new one at no cost to you.
Here’s what you’ll need:
  • Comprehensive insurance coverage 
  • For the damage to have been sustained in a non-collision event that is indicated on your comprehensive coverage policy
  • To have a policy with a company that offers zero-deductible glass replacement
If you fail to meet these requirements, chances are you will have to pay for at least some of the cost of your windshield replacement out of pocket. 
Need to know: If your insurance company pays for your service, they also have the right to choose your repair service and mechanic, unless your specific contract states otherwise. 
If you do have to pay for the replacement of your windshield, it may cost anywhere from $150 to $200, depending on your vehicle. If you just need a repair, it can cost you anywhere from $50 to $200 without the help of insurance. 

Georgia auto insurance coverage requirements and windshield repair

The state of Georgia does not require that drivers carry insurance that will cover windshield repair. That would fall under the category of comprehensive insurance, which you do not need to purchase in order to hit the road in the Peach State.
If you’re only looking to purchase the car insurance coverage that is legally required by the state, all you’ll need is liability coverage that meets the 25/50/25 minimums. 

When to replace a cracked windshield in Georgia

The state of Georgia doesn’t explicitly outline when you should repair minor cracks or chips in your windshield, but it is generally accepted that if a crack is longer than 12 inches, or a chip is larger than a quarter, it may be enough of a safety risk to be deemed irresponsible. 
The state laws do spell out when to address more serious damage, though. According to Georgia Code § 40-8-73, “No motor vehicle shall be operated with a windshield or rear window having a starburst or spider webbing effect greater than three inches by three inches.”
In any case, it’s a good idea to get cracks repaired promptly to ensure an unobstructed view of the road. If you’re not sure whether or not your windshield will require a repair in order to keep you safe, you can always take it to a mechanic who will be able to do a consultation and a quote before moving forward with repairs and replacements. 
was a great service and very easy to work with. I’m confident I will use them again for my upcoming new car purchase.” —Wells O.
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