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How Much Will Windshield Replacement Cost Without Insurance?

How Much Will Windshield Replacement Cost Without Insurance? | KBD Insurance
Curtis Killen

As president of KBD, Curtis aims to simplify insurance for his clients. He’s helped lead KBD to become one of Canada’s fastest 400 growing companies according to the Globe & Mail.

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Replacing your windshield is expensive – it’s no wonder you often see people driving around with a cracked windshield to avoid paying for repairs. That said, being aware and prepared for repair costs with the right insurance coverage – or rainy day fund – is key.

So, how much will a windshield replacement cost without insurance?

The average cost to replace a windshield in Canada ranges from $300 to over $1000, depending on the car you drive. 

Whether it’s a tiny chip or a full-blown crack, experiencing damage to your windshield is fairly common. 

Here, we’re outlining windshield replacement costs you might face so that you can be prepared, both with the correct insurance and deductible amount in a rainy day fund if applicable. 

Keep reading, or give our car insurance brokers a call directly.

Click ahead to find what you need:

How much does it cost to replace a windshield without insurance in Canada?

According to The Kelley Blue Book, the average cost to replace a windshield in Canada ranges from $300 to over $1000, depending on several factors.

For instance, luxury vehicles or those with advanced features may incur higher replacement expenses.

Cracked windshields are typically covered under your comprehensive car insurance policy. 

If you choose to make a claim for a cracked windshield, you will have to pay the deductible outlined in your policy. 

So, if you opt not to go through insurance, you can expect to pay between $300 and $1000 to replace your windshield. 

You can read our full guide on car insurance for a cracked windshield here.

Here are several factors that influence windshield replacement costs:

  • Type of vehicle: Different models and makes have varying windshield costs. Unique windshields may also be more expensive to replace.
  • Special features: Advanced safety features and sensors embedded in windshields can increase costs. For example, windshields with rain sensing, heads up display, high beam detection can all increase costs. 
  • Extent of damage: The severity of the crack or chip impacts repair or replacement costs.
  • Location: Prices can fluctuate between provinces and even cities due to labor and material costs. In Ontario or Quebec, costs might skew higher due to denser urban areas and increased labor rates.
  • Labor costs: Installation fees and hourly rates for technicians influence the overall expense.

How much does it cost to fix a chip in the windshield?

The average cost to fix a chip in a windshield in Canada ranges from $50 to $150, depending on factors including the size and severity of the chip, and the type of repair method employed.

Like a crack, chipped windshields are typically covered under your comprehensive car insurance policy.

Importance of windshield chip repair:

If you get a chip in your windshield, it’s important to fix it quickly to avoid the cracks spreading and causing further damage.

Prompt chip repair helps avoid the need for full windshield replacement, saving time and money.

Factors affecting chip repair cost:

  • Size and depth of chip: Larger or deeper chips may require more extensive repair work.
  • Location of the chip: Chips near the edge of the windshield or in the driver’s line of sight might be more challenging to repair.
  • Type of repair technology: Advanced repair techniques may incur higher costs but offer more effective results.

Benefits of chip repair:

  • Maintains structural integrity: Repairing chips promptly helps preserve the structural integrity of the windshield.
  • Prevents further damage: Timely chip repair prevents cracks from spreading, reducing the likelihood of more significant damage.

Is windshield warranty worth it?

Considering a warranty for your windshield replacement in Canada can offer valuable protection and peace of mind. 

Advantages of Windshield Warranty:

  • Financial security: Warranties provide financial protection against unexpected windshield damage or defects. A warranty may also allow you to avoid making an insurance claim to cover the cost, saving you from having to pay the deductible, and having another claim on your record.  
  • Coverage for repairs and replacements: Comprehensive warranties typically cover both repairs and full replacements. However, always check the fine print of your warranty.

Factors to Consider:

  • Coverage terms: Review the terms and conditions of the warranty to understand what repairs or replacements are covered.
  • Duration of coverage: Determine the duration of the warranty period and any limitations on coverage.
  • Cost vs. benefit: Assess the cost of the warranty against the potential savings from covered repairs or replacements.

Whether repairing minor chips or considering warranty options, prioritizing windshield maintenance is essential for maintaining the validity of your insurance coverage.

Is it illegal to drive with a cracked windshield in Canada?

In Canada, it’s against the law to drive a vehicle with a windshield that obstructs your view. 

Cracks impairing the driver’s line of sight can lead to fines and penalties for violating traffic regulations.

So, if you get caught doing so you may receive a fine depending on the province you’re in. 

Driving with a cracked windshield in Canada can affect your car insurance in several ways:

  • Safety risks: A cracked windshield can impair visibility, potentially increasing the risk of accidents, which insurers view unfavorably.
  • Coverage and deductibles: Comprehensive coverage often includes windshield repair, subject to your policy’s deductible. 
  • Provincial differences: Regulations on windshield damage and insurance vary by province, affecting whether repairs are covered without a deductible.
  • Impact on premiums: While some insurers may not increase premiums for windshield damage claims, repeated claims or associated accidents could lead to higher rates.


So, to recap: How much will a windshield replacement cost without insurance?

On average, it costs $300 to over $1000 to repair a cracked windshield out of pocket. 

However, having a windshield warranty, the proper car insurance coverage in place, and even a DIY chip repair kit can help you to avoid a hefty repair fee. 

While prices vary based on numerous factors, understanding the variables allows you to make informed decisions if you need to repair your windshield.