Cost Factor No. 1: Basic Demographics. Your age, cantik, marital status, and location all weigh heavily on how much you car insurance costs. That’s because your insurance company has an enormous amount of data that tells them how each of these things makes you more or less of a risk for filing claims. Delaney says the average cost of a new windshield is about $255, including labor. “It depends on the year, make and model,” Dennis Caswell, owner of Glas Tek Windshield Repair in St. Louis, says of the cost. “Those are the biggest factors. .