South Carolina Windshield Insurance: What are the full glass coverage laws in South Carolina? [Expert Review]

If you live in South Carolina, you can have your windshield repaired or replaced at no out-of-pocket cost, as long as you have comprehensive auto insurance. Learn the details of the South Carolina windshield insurance laws.

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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 Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: May 22, 2022

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Things to remember...

  • Legally, South Carolina residents don’t have to pay a deductible for auto glass claims
  • While you can get free full glass coverage in South Carolina, it’s not included in all policies
  • OEM glass is generally best for your car because it’s almost guaranteed to fit your make and model

A broken windshield can be a real headache for any driver. But sadly, many of us have experienced a broken or cracked windshield at some point or another. That’s why having the right protection in place ahead of time can save you the hassle of worrying about how you’re going to pay to replace your windshield.

This is too important of an issue to ignore, either. While there are plenty of windshield replacement service centers in South Carolina, many drivers delay replacing their windshields because they don’t think it’s a serious problem. 

Instead, you should be ready to take advantage of South Carolina’s laws to get a free windshield replacement with the proper coverage.

So what is the South Carolina windshield replacement law? And will your insurance cover windshield replacement? Let’s find out.

Make sure you’re covered and compare rates with our free quote tool above. 

Glass Replacement Laws and Insurance in South Carolina

There is no state law regarding the repair of your windshield, but driving with damage is dangerous.. If you have damage in this area, you need to address it promptly.

The easiest way to be sure you can address the problem quickly is by adding comprehensive insurance to your auto policy. This coverage includes windshield repair and replacement in most scenarios. 

And in South Carolina, insurers aren’t allowed to charge a deductible for windshield repairs on comprehensive policies.

That means that if you have comprehensive insurance that includes glass coverage in South Carolina, you’ll have no out-of-pocket costs for windshield repairs.

This table shows the average annual car insurance rates in South Carolina.

Average Annual Auto Insurance Rates by Coverage Type in South Carolina
Coverage TypeAverage Annual Rates
Liability $497.50
Collision$247.62
Comprehensive$165.38
Full Coverage$910.51
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Different auto insurance companies charge different rates, so it’s a good idea to compare multiple quotes before choosing a policy.

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Does South Carolina have free windshield replacement?

So is there free windshield replacement in South Carolina? As long as you have the right insurance coverage, the answer is yes. The South Carolina auto glass replacement law mandates that auto insurance companies must offer zero-deductible auto glass coverage. 

You’ll still have to pay for your insurance premiums, but you won’t pay anything out of pocket. However, the law doesn’t require auto insurance companies to include glass coverage in every type of policy. 

That’s why you must take a closer look at your auto insurance policy to determine whether you’re covered for windshield replacement. If not, consider adding it to your current policy so that you’re always protected.

Will my new windshield match my old one?

Depending on the repair facility, you might get different types of glass. 

The most common options include:

  • OEM glass. OEM stands for “original equipment manufacturer,” which means the glass is made by the same manufacturer. This glass is generally best because it’s almost guaranteed to fit the make and model of your car and should be identical to your original windshield.
  • After-market glass. This is designed to fit your car but may vary in thickness, color, and UV protection.

Depending on the repair service you select, you might have control over what kind of glass is used to repair your windshield. Ask about this before you schedule your repair.

What states offer full glass coverage replacement for free?

South Carolina isn’t the only state that requires insurance companies to offer no-deductible glass coverage. Here’s a list of the other states that offer some form of zero-deductible replacement:

  • Arizona
  • Florida
  • Kentucky
  • Massachusetts
  • New York
  • South Carolina

Details of the laws vary by state, so be sure to check with your own state’s requirements to understand exactly how the law works and what it requires for your insurance.

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How long does a windshield replacement take?

The time it takes to replace your windshield varies depending on the repair service, but this is usually not an extensive job. 

Many services can even come to your home or workplace and do the job without interrupting your day. Safelite, for example, claims that it can replace your windshield in 30 minutes or less.

Getting No-Deductible South Carolina Windshield Insurance

Knowing that South Carolina requires zero-deductible auto glass coverage means you don’t have to pay a penny out of pocket when you need a windshield repair. But not every policy type offers full glass coverage.

Check your policy to see if you’re covered. If not, you may want to shop around for better glass coverage. 

Don’t miss out on our free quote tool below. Just enter your ZIP code and get your free quote today.

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