Best Auto Insurance Companies That Don’t Check Accidents Reported by CARFAX (2023)
Most auto insurance companies count accidents reported on Carfax, and those with accidents or traffic infractions on their records pay higher rates. Learn how to find cheaper rates if you've been in an accident.
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Zach Fagiano
Licensed Insurance Broker
Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...
Licensed Insurance Broker
UPDATED: Nov 27, 2023
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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 partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different 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.
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 partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different 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 aren’t many auto insurance companies that don’t count accidents reported on Carfax
- Auto insurance rates are more expensive with a car previously in an accident than one that hasn’t
- There are ways you can save money on auto insurance from companies that count accidents reported on Carfax
Getting into a car accident is scary, and dealing with insurance companies is a hassle. It’s especially inconvenient to buy auto insurance with an at-fault accident on your driving record, and it can be equally difficult to purchase a vehicle with an accident on its record.
Many drivers look for ways to keep insurance rates low, including looking for auto insurance companies that don’t count accidents reported on Carfax. If a car was previously in an accident, it presents a potential for risks to insurance providers and its drivers.
Auto insurance providers want to pay out as little money as possible. A car with an accident history may result in higher rates on your end to protect the company from financial liabilities.
While it might be hard to compare auto insurance rates from companies that don’t count accidents reported on Carfax, we’ll help you make a list to shop around and find the best deal for you.
Keep reading to learn more about how accidents reported on Carfax affect your rates and why.
Are there auto insurance companies that don’t count accidents reported on Carfax?
Most auto insurance companies count accidents reported on Carfax because it’s a reliable source. Insurers will check your driving history, personal facts, and car history report. Auto insurance companies are businesses that want to avoid costly risks. If you present any potential risk, including a vehicle with damage history, your rates will reflect those risks.
Though Carfax has a reputation for reliable vehicle history reports, not every accident appears on its reports. Usually, an accident won’t appear on Carfax if the driver doesn’t call the police or if Carfax can’t access the police department’s record system. In some cases, drivers may not file a report or car insurance claim, as it may be cheaper for them to pay for damages out-of-pocket rather than risk higher insurance rates for years.
Another common situation is a time delay in reporting an accident to Carfax. Many people buy a car based on a clean Carfax report only to find out later that it was involved in a significant accident. To avoid making that mistake, look at the Carfax report and car inspection, and perform a test drive before buying a used vehicle. You can look up a car’s history report and Carfax value using the Carfax VIN checks online.
Finally, talk with your insurance company to ensure you have the right coverage. Understanding the different types of auto insurance coverage and comparing rates from multiple companies will help your search.
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What counts as an accident on Carfax?
Understanding the difference between damage reported vs. accidents on Carfax reports can be a little confusing. Damage doesn’t have to be caused by a collision — it can be cosmetic damage, such as scratches or scrapes caused by regular use, bumper dents from backing into a pole or other object, or anything that resulted in minor damage. Anything listed as an accident on Carfax typically involved another vehicle and was reported to the police.
While Carfax reports may show that an accident occurred, the report may not tell you the details, such as the damages incurred and if the accident was severe. To learn the details of a vehicular incident, consider utilizing a Comprehensive Loss Underwriting Exchange (CLUE) report along with your Carfax report. The CLUE report shows any insurance claim associated with a vehicle, even if the driver didn’t file a police report.
How does an accident reported to Carfax affect you?
You’ll be affected in several ways if your vehicle has an accident history, regardless of whether or not you were the one behind the wheel when it happened. The best auto insurance companies for drivers with accidents vary by driver.
An accident raises your auto insurance rates. While some insurance companies may overlook your first accident, most raise your rates for the next three years.
This table shows how much one accident affects your car insurance rates.
Company Average Annual Rates with Clean Record Average Annual Rates with 1 Accident Rate Increase Per Month
Allstate $3,819.90 $4,987.68 $97.32
American Family $2,693.61 $3,722.75 $85.76
Farmers $3,460.60 $4,518.73 $88.18
Geico $2,145.96 $3,192.77 $87.23
Liberty Mutual $4,774.30 $6,204.78 $119.21
Nationwide $2,746.18 $3,396.95 $54.23
Progressive $3,393.09 $4,777.04 $115.33
State Farm $2,821.18 $3,396.01 $47.90
Travelers $3,447.69 $4,289.74 $70.17
USAA $1,933.68 $2,516.24 $48.55
You can expect your insurance rates to increase an average of $81 a month after one accident. If you have more than one accident, your rates increase significantly. In many cases, you’ll also lose certain auto insurance savings, such as claims-free and safe driver discounts, resulting in a rate increase.
An accident on your vehicle’s Carfax record also lowers its resale value. If you’re actively trying to sell your vehicle when the report updates, buyers could lower their offer on your car.
How to Remove an Accident from Carfax
An accident usually stays on a car’s Carfax report for up to three years after the incident occurred. Sometimes, Carfax’s vehicle history reports list accidents that never happened. In this case, you can submit evidence to the Carfax corrections claim center online.
In the event you can’t provide evidence enough to clear the incident from your record, you may be able to wait until the report clears.
How can I save on auto insurance with companies that count accidents reported on Carfax?
A significant number of auto insurance providers reference Carfax when assembling a policy quote. Carfax is favored for its reputation and detailed background profiles on cars, so there aren’t many auto insurance companies that don’t count accidents reported on Carfax.
If your vehicle was previously in an accident, insurers may view it as a greater liability to them since there’s a chance the car could have an unreported problem, need extra maintenance, or otherwise cause you to file a claim later. There are ways to save money if your car is high risk and you’re with a company that counts accidents reported on Carfax.
The best way to lower your auto insurance rates is to shop around. Comparing at least three quotes from different auto insurance companies helps you know what to expect and narrows down your options. Another option is to look into what auto insurance discounts are available to you. Most of the time, companies offer discounts that many drivers are unaware exist.
Discounts can save you a ton of money, especially if your car was previously in an accident and your auto insurance company counts accidents reported on Carfax.
The table below details common auto insurance discounts for eligible drivers.
Common Auto Insurance Discounts
Vehicle Discounts Driver/Customer Discounts Personal Discounts
Active Disabling Device Claim Free Emergency Deployment
Adaptive Cruise Control Continuous Coverage Family Legacy
Adaptive Headlights Defensive Driver Family Plan
Anti-Lock Brakes Driver's Education Federal Employee
Audible Alarm Driving Device/App Further Education
Automatic Braking Early Signing Good Student
Blind Spot Warning Full Payment Homeowner
Daytime Running Lights Good Credit Life Insurance
Economy Vehicle Loyalty Married
Electronic Stability Control Multiple Policies Membership/Group
Farm/Ranch Vehicle Multiple Vehicles Military
Forward Collision Warning New Customer/New Plan New Address
Garaging/Storing Occasional Operator New Graduate
Green/Hybrid Vehicle Online Shopper Non-Smoker/Non-Drinker
Lane Departure Warning On-Time Payments Occupation
Newer Vehicle Paperless/Auto Billing Recent Retirees
Passive Restraint Paperless Documents Stable Residence
Utility Vehicle Roadside Assistance Student Away
Vehicle Recovery Safe Driver Student or Alumni
VIN Etching Seat Belt Use Volunteer
You can also look into getting an accident removed from Carfax. If a Carfax report lists a false accident, you can get the accident removed to save you money.
Auto Insurance Companies That Don’t Count Accidents Reported on Carfax: The Bottom Line
Finding auto insurance companies that don’t count accidents reported on Carfax is challenging but not impossible. Auto insurance companies seek to pay as little as possible on claims. Most providers will account for accidents on a Carfax vehicle history report and raise your rates.
If your car has an accident on its history report, you can save money by looking into discounts and shopping around.
As you shop around, compare auto insurance quotes from auto insurance companies that don’t count accidents reported on Carfax against ones that do. You might find a reputable provider that can offer you affordable rates regardless of a Carfax report.
Frequently Asked Questions
Are there auto insurance companies that don’t check accidents reported by CARFAX?
Yes, some auto insurance companies do not rely solely on CARFAX reports to assess a vehicle’s accident history when determining insurance rates or coverage. These companies may use alternative methods or databases to evaluate a vehicle’s past accidents and claims history. However, it’s important to note that insurance companies have their own processes for evaluating risk, and they may consider various factors beyond CARFAX reports.
Why do some insurance companies not rely on CARFAX reports for accident history?
Insurance companies may use their own databases, industry sources, or other means to assess a vehicle’s accident history. While CARFAX reports can provide valuable information, they are not the only source available. Insurance companies have their own underwriting guidelines and risk assessment models, and they may consider additional factors, such as driver history, claims history, and other industry databases, to determine rates and coverage.
How do I find auto insurance companies that don’t check CARFAX reports for accidents?
To find auto insurance companies that don’t heavily rely on CARFAX reports for accidents, you can:
- Research and Inquire: Research insurance companies and their underwriting policies regarding accident history. Contact insurance companies directly and ask about their methods for evaluating a vehicle’s accident history during the underwriting process.
- Seek Recommendations: Reach out to insurance agents or brokers who work with multiple insurance companies. They can provide insights into companies that have more lenient accident history requirements.
- Consider Non-Standard Insurers: Non-standard or high-risk insurance providers may have different criteria for assessing accident history and may be more flexible regarding CARFAX reports.
What other factors do insurance companies consider besides CARFAX reports when assessing accident history?
Insurance companies consider multiple factors when assessing accident history, which may include:
- Claims History: Insurers review the insured’s claims history to determine if there have been previous accidents or claims filed.
- Driver’s History: Insurance companies assess the driver’s personal accident history, including any at-fault accidents or traffic violations.
- Vehicle Inspection: Some insurance companies may request a physical inspection of the vehicle to assess its condition and look for signs of previous
Are there any downsides to insurance companies not checking CARFAX reports for accidents?
While insurance companies may not heavily rely on CARFAX reports, there can be potential downsides to not considering this information. CARFAX reports provide a comprehensive record of a vehicle’s reported accidents, damage, and other historical details. Without checking CARFAX reports, insurance companies may have limited visibility into the vehicle’s full accident history, which can affect their ability to accurately assess risk and determine appropriate rates.
Can I provide other documentation to prove a vehicle’s accident history if an insurance company doesn’t check CARFAX reports?
Yes, you may be able to provide alternative documentation to prove a vehicle’s accident history if an insurance company doesn’t rely on CARFAX reports. Some examples of alternative documentation include repair records, police reports, or receipts for previous repairs or bodywork. It’s important to consult with the insurance company directly to understand their specific requirements and what documentation they accept as proof of a vehicle’s accident history.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Zach Fagiano
Licensed Insurance Broker
Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...
Licensed Insurance Broker
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.