Auto Insurance Companies That Don’t Contact the Other Driver (2021)

If you're looking for auto insurance companies that don't contact the other driver, you're likely in luck. There are very few auto insurance companies that do contact other drivers, leaving you open to any popular car insurance policy out there. Depending on which insurer you go with, you can get coverage starting at around $211 a month.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Sep 28, 2021

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A Concise Overview

  • Most insurers won’t contact the other driver, as they can get information better ways
  • Speaking to the other driver’s insurance can be risky, as they may try to get you to admit fault
  • With other driver’s insurance, it may be best to let your insurer handle all communication

With all the stress that can come with getting into an accident, you might want to find car insurance companies that don’t contact the other driver.

Luckily, that’s far from an impossible feat and most drivers will find that they will rarely have to ever speak to the other driver’s insurance at all — assuming you don’t get hit by an uninsured motorist.

If you’re ready to find quotes from auto insurance companies that don’t contact the other driver, enter your ZIP code into our free quote tool now.

Auto Insurers That Won’t Call the Other Driver

Most insurers are concerned about having to pay out on an accident, so their main focus will be in proving who’s at fault.

They’ll do this by discussing the incident with you and by going over the police documents. They won’t be able to contact the other driver.

The other insurance company won’t give out the other driver’s information and they have no way of getting it unless you give it to them. Because of this, the insurance company cannot contact other drivers involved.

If that’s your only concern, you can likely get a policy at any major insurer without further worries. Below are some examples of the average annual rates you can find at the top 10 national insurers.

Average Annual Auto Insurance Rates for the Top Ten Insurance Companies

CompaniesAverage Annual Rates
Allstate$4,887.95
American Family$3,443.09
Farmers$4,194.27
Geico$3,215.01
Liberty Mutual$6,073.45
Nationwide$3,450.00
Progressive$4,035.52
State Farm$3,260.00
Travelers$4,434.91
USAA$2,537.30
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The policies above range anywhere from $211 to $506 a month. That being said, if you’ve recently been in an accident, you’ll likely have to pay more for your premiums from most insurers.

Do auto insurance companies talk to each other?

Not directly, but insurance companies have access to databases that allow them to find information regarding a driver. Through this system, they can also input any new claims or flags, and that will follow you between your different insurers.

How far back do auto insurance companies look? It depends, but if you’ve had any kind of flags in the last few years, it’s likely to be brought up in the process.

If your rates have recently gone up due to an accident, for example, you likely won’t be able to find an insurer willing to give you lower rates.

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When to Contact the Other Driver’s Auto Insurance

Should I contact the other driver’s insurance?

Most likely not, as the insurer will be working in favor of their client and may try to get you to admit fault or responsibility for the accident.

This can muddle up your case if you’re not careful, so it might be best to leave it to the professionals who are used to working in the business.

You shouldn’t contact the other driver’s insurance and any questions you do have should be directed at your insurer.

If there is any reason to contact the other insurance company, you should leave that to your insurance agent, who will ensure that you don’t accidentally admit fault in the process.

How to Contact the Other Driver’s Auto Insurance

When you get into an accident, you should always exchange insurance information with the other party before anyone leaves the scene. This way, you can pass along the information to your insurer in case they need it. You should always share some basic information with the other party.

After making sure everyone is safe and contacting the police, the III suggests that you collect the other driver’s information, such as:

  • Full Name
  • Phone Number
  • Insurance Company
  • Policy Number

However, with the insurance information of the other driver, you could also reach out to their insurance company. There aren’t many good reasons to do this, and they likely won’t be sympathetic to your cause.

Why It Can Be Risky to Contact the Other Driver’s Auto Insurance

The other driver’s insurance agent will likely be working in the interest of their client. This means the insurer may try to trick you into admitting fault for the accident that occurred. Even if you have the same insurance company, it’s best to let the professionals sort it out.

You’re not required to speak to their insurance company, so it’s best to avoid any contact to keep yourself safe from miscommunication. Likewise, the other insurance company will be able to get all the information they need from the police report and its client.

Tips for Talking to the Other Auto Insurance Company

Do I contact the other driver’s insurance? If you do end up talking to the other driver’s insurance company, you need to make sure that there are a few things you do, and don’t do, to keep yourself from making a mistake.

  • Remember the Goals – The insurer will not work in your interests and will want to pay out as little as possible. Don’t admit fault or downplay the severity of the accident.
  • Anything you say… – Your call will likely be recorded and any information you give them can be used to give you as little money as possible.
  • Information is Power – The insurer may try to lock you into a certain set of events, so it’s wise not to offer any new information and only answer the questions they offer.
  • Bring Your Agent – If they’re available, have your car insurance agent on the same call to ensure that nothing you say is misconstrued.

These simple tips can help keep you from sacrificing your payout because you were too eager to contact the other insurer. While it’s unwise, you can contact the other car insurer as long as you do it in a smart way.

Auto Insurance Companies That Don’t Contact the Other Driver: The Bottom Line

If you’re worried about your car insurance company contacting the other driver after an accident, don’t worry. Most insurers won’t have the ability or want to contact the other driver, as they can usually get all the information they need from you and other documents.

Now that you know more about auto insurance companies that don’t contact other drivers, enter your ZIP code into our free quote tool to get an idea of what you could pay.

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