Cheap Auto Insurance Companies That Don’t Count Accidents Reported on CARFAX in 2024
There are very few auto insurance companies that don't count accidents reported on Carfax. While every car accident doesn't get reported to Carfax, auto insurance companies might adjust your vehicle value or raise your insurance prices for accidents. Your insurance company is less likely to report an accident if you avoid filing a formal claim and pay for damages yourself.
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Brandon Frady
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
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UPDATED: Nov 27, 2023
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- There are many more auto insurance companies that do count accidents reported on Carfax than those that don’t
- Most insurance companies report accidents to Carfax if a formal claim is submitted and they pay for repairs
- Accidents that show up on Carfax reports could reduce the value of your vehicle and raise your auto insurance prices
If you’ve been in multiple accidents, you might be wondering about auto insurance companies that don’t count accidents reported on Carfax. Auto insurance coverages are largely based on your driving record and the safety of your vehicle.
There’s no need to overpay for auto insurance even if you’ve been in multiple accidents. We’ll break down what counts as an accident on Carfax and how accidents will affect you and your insurance policy.
Scroll down to learn more about the auto insurance companies that don’t count accidents reported on Carfax and enter your ZIP code above to get free auto insurance quotes from the top insurers near you.
Does every insurance claim get reported to Carfax?
Not every single accident will be reported to Carfax, though most do. Some auto insurance companies don’t report all accidents to Carfax. In fact, Carfax has reported that thousands of accidents go unreported each day.
There are a few reasons why every car accident doesn’t get reported to Carfax. This could be because the insurer doesn’t want to change your car’s value, the claim wasn’t filed correctly, or the accident wasn’t reported at all.
In most cases, a claim that is submitted to your insurer will likely result in an adjustment to your vehicle’s Carfax report. If you were to have repairs done privately, the information wouldn’t be adjusted via Carfax.
While many vehicle dealers rely on Carfax to promote a car’s safety, Carfax vehicle history data sources have quite a few limitations that aren’t ideal for consumers, as identified above.
Read more: How to File an Auto Insurance Claim
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What happens if an accident is reported to Carfax?
To keep it simple, your vehicle’s accident history will cost you money. Your driving history is one of the first factors considered when determining your auto insurance rates.
Even if you weren’t at fault for your accident, your monthly rates could increase. How far back do auto insurance companies look? Some companies look just three years back while others look up to seven.
| Companies | Average Annual Rates with a Clean Record | Average Annual Rates with One Accident |
|---|---|---|
| Allstate | $3,819.90 | $4,987.68 |
| American Family | $2,693.61 | $3,722.75 |
| Farmers | $3,460.60 | $4,518.73 |
| Geico | $2,145.96 | $3,192.77 |
| Liberty Mutual | $4,774.30 | $6,204.78 |
| Nationwide | $2,746.18 | $3,396.95 |
| Progressive | $3,393.09 | $4,777.04 |
| State Farm | $2,821.18 | $3,396.01 |
| Travelers | $3,447.69 | $4,289.74 |
| USAA | $1,933.68 | $2,516.24 |
As you can see above, you could pay over $1,000 more per year on auto insurance just for one accident. Not only would your driving history be impacted, but your vehicle’s Carfax report might change too.
Beyond a steep increase in your auto insurance rates, an accident on your Carfax report can decrease the value of your vehicle. If you plan to sell your vehicle, this is obviously negative.
Your Carfax value can give dealerships or private buyers the ability to negotiate a lower price. As a consumer, you’re also limited on what information you can find with a Carfax VIN check.
In most cases, you’ll be informed of an accident but not of the nature and severity of that accident. Sadly, a fender bender and a totaled vehicle could potentially be marked the same on a Carfax report.
The same is true of Carfax if damage is reported vs. an accident being reported. You’ll know something happened, but not exactly what. If you’re concerned about a Carfax report, a CLUE report can help to confirm some of the details regarding accidents or claims.
CLUE, or Comprehensive Loss Underwriting Exchange, can provide information reported to insurance companies, according to the Washington State Office of the Insurance Commissioner.
How to Remove Accidents From Carfax
If you’re looking to sell your car, you might want to review your Carfax report and dispute any negative remarks on your vehicle. While this won’t have much effect on your auto insurance, it can help you sell your vehicle for more.
To have an accident or damage removed from your Carfax report, you’ll need to compile evidence and visit the Carfax claims center online. You should be able to submit everything there to dispute negative remarks.
There are some auto insurance companies that don’t penalize you for small accidents despite a change in your vehicle’s Carfax report.
The Truth About Auto Insurance Companies That Don’t Count Accidents Reported on Carfax
Auto insurance companies may or may not report an accident to Carfax. In most cases, your insurer will report an accident to Carfax unless you pay for repairs privately.
By now, you should know the basics about the auto insurance companies that don’t count accidents reported on Carfax. Before you go, enter your ZIP below to get free quotes in minutes.
Frequently Asked Questions
What is CARFAX?
CARFAX is a widely used vehicle history reporting service that provides information about a vehicle’s past, including accidents, damage, mileage, and other important details. Insurance companies often refer to CARFAX reports when assessing the risk associated with a vehicle.
Why do insurance companies consider CARFAX reports?
Insurance companies rely on CARFAX reports to evaluate the risk of insuring a particular vehicle. Accidents reported on CARFAX can indicate previous damage, repairs, or other issues that may impact the safety and reliability of the vehicle.
Are there auto insurance companies that don’t count accidents reported on CARFAX?
Yes, there are some auto insurance companies that may not consider accidents reported on CARFAX when determining insurance rates or coverage eligibility. These companies may have their own evaluation methods or criteria for assessing risk.
Do insurance companies that don’t count CARFAX accidents offer cheap rates?
While insurance companies that don’t count CARFAX accidents may offer more lenient coverage options, it does not guarantee cheap rates. Insurance premiums are influenced by various factors, including your driving record, location, vehicle type, and personal details. Comparing quotes from multiple insurers remains crucial to finding the most affordable coverage.
Can I hide accidents reported on CARFAX from insurance companies?
It is important to note that providing false information or deliberately hiding accidents from insurance companies is considered insurance fraud and is illegal. It is always best to be honest and transparent when providing information to insurance companies.
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Brandon Frady
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.