The driver was travelling with his stepson near the town of Perthus, on the border with Spain in the Pyrenees mountains.
The car was brought to an abrupt halt when the cow crash landed on it, with one of its horns piercing the windscreen.
The animal had been walking along a cliff high above the road and lost its balance, 'The Local' reported.
The cow did not survive the impact and the vehicle was badly damaged.
"We were more scared than hurt," the driver told France Bleu radio, adding that he was very affected by the death of the animal.