Cracked windshield: Should you repair or replace it?

A rock chip or road debris can cause damage to your vehicle’s windshield in just seconds. Depending on the location and size of the damage, a repair may sometimes be enough. In other cases, windshield replacement is unavoidable. Find out when to repair or replace a windshield, how to prevent a crack from getting worse, and what your auto insurance may cover.
When should you repair a windshield?
An auto glass repair may be sufficient if the damage is small, localized, and does not affect vehicle safety or the driver’s field of vision. For example, an impact smaller than a coin can often be repaired easily.
Repair is simple, quick, and affordable, and it helps preserve the safety and durability of your windshield.
Does a chip disappear completely?
The impact is usually much less visible after the repair, although a faint mark may remain. Note that the glass will be slightly more fragile than an intact windshield.
How long does it take to repair a windshield chip?
Windshield repair is often completed in less than an hour. The repair costs can vary depending on the type of damage, but it is less expensive than a windshield replacement. Don’t wait—an unrepaired chip can turn into a crack that requires full windshield replacement.
Good to know: Some auto glass specialists offer mobile windshield repair services at your home or workplace.
When should you replace a windshield?
A specialist will often recommend windshield replacement in the following situations:
- The glass chip or damage is larger than a $1 coin
- The crack is located in the ceramic band
- The damage is less than 3cm from the visible edge
- The impact is in the driver’s field of vision
- The crack has penetrated the outer layer of the glass
What affects the cost of windshield replacement?

Several factors can influence the cost:
- Type of glass (heated, tinted)
- Presence of sensors or ADAS calibration (advanced driver assistance systems)
- Labour and materials used
- Insurance coverage depending on the insurance company
Many auto glass shops guarantee the repair or replacement as long as you own the motor vehicle.
What are the consequences of a cracked windshield?
A damaged windshield can lead to:
- Reduced visibility and safety
- Worsening damage due to the type of crack and temperature changes
- Possible fines of $100 to $200 (plus fees) if the crack obstructs the driver’s vision
How can you prevent a crack from getting worse?
Certain precautions can help limit damage while waiting for repairs:
- Avoid exposing the vehicle to sudden temperature changes (e.g., hot water on the windshield in winter).
- Avoid gravel roads or keep a safe distance from vehicles ahead to reduce flying debris.
Why is it important to have a windshield in good condition?
The windshield accounts for about 70% of a vehicle’s cabin. It plays a critical role in occupant safety and in the proper deployment of airbags. Designed to withstand approximately 180kg of pressure per square centimetre, the windshield protects passengers and contributes to the vehicle’s structural integrity.
Windshield repair or replacement: is it covered by auto insurance?
If your auto insurance includes All perils (comprehensive auto insurance) or All perils except collision or upset coverage:
- You generally do not have to pay an insurance deductible for a repair.
- The repair will not affect your premium when you file a claim.
- And it will not impact your insurance claim record.

A deductible is usually required for windshield replacement, which is why it is important to repair a small chip quickly before it becomes a crack. In addition, replacement may affect your insurance premium at renewal.
How do you choose a good windshield specialist?
For reliable windshield repair or replacement, choose a recognized service such as Fix Auto or Lebeau Auto Glass. Find yours within the CAA-Quebec Approved Auto Repair Services network.
Be sure to check:
- Technician certifications and training
- The warranty offered
Find out which criteria should influence your choice of auto repair shop.
Key takeaway: A small chip can become costly if you wait
A windshield chip may seem harmless, but it can quickly turn into an expensive crack. Having your windshield assessed promptly can often help you avoid replacement, reduce costs, and protect your safety.

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