Auto Insurance Companies That Don’t Count Accidents Reported on Carfax (2021)

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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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 29, 2021

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A Concise Overview

  • 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.

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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.

Average Annual Auto Insurance Rates by Driving History
CompaniesAverage Annual Rates with a Clean RecordAverage 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
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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.

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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.

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