10 Cheapest Auto Insurance Companies That Don’t Use CARFAX Reports in 2024 (Save With These Providers)

The cheapest auto insurance companies that don’t use CARFAX reports are Geico, Farmers, and Safe Auto. Geico excels with its broad range of coverage options and discounts, making it a standout choice for budget-conscious drivers.

Farmers impresses with its flexible plans and tailored discounts for safe driving and multi-car policies.

Our Top 10 Picks: Cheap Auto Insurance Companies That Don't Use CARFAX Reports

Safe Auto provides reliable, cost-effective coverage with minimal CARFAX impact, catering perfectly to those seeking straightforward and affordable insurance solutions.

Uncover affordable auto insurance rates from the top providers by entering your ZIP code above.

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#1 – Geico: Top Overall Pick

Pros

• Competitive Monthly Rates: Geico offers some of the lowest rates, starting at $47, making it an ideal choice for those looking for affordable auto insurance without CARFAX reports.
• Generous Bundling Discount: Customers can enjoy a 15% discount when bundling multiple policies, further reducing costs and enhancing value for those who prefer companies that don’t use CARFAX.
• Extensive Coverage Options: Geico provides a broad range of coverage options, ensuring flexibility to meet various insurance needs without relying on CARFAX reports. Explore insurance savings in our full guide titled, “Geico Auto Insurance Review.”

Cons

• Limited Customization: Geico’s policy options may lack the depth of customization available from other insurers not using CARFAX reports, potentially leaving some specific needs unmet.
• Potential for Higher Premiums: Despite competitive rates, certain drivers may still experience higher premiums if they have unique or extensive coverage requirements, even with CARFAX-free options.

#2 – Farmers: Best for Personal Service

Pros

• Significant Bundling Discount: Farmers offers an 18% discount for bundling multiple policies, providing substantial savings for clients who avoid CARFAX reports and prefer comprehensive coverage options.
• Personalized Service: Known for its high level of customer service, Farmers excels in delivering personalized insurance solutions tailored to individual needs, beneficial for those seeking a more hands-on approach without CARFAX.
• Flexible Coverage Plans: Farmers provides a wide range of coverage plans that can be customized to fit specific requirements, catering well to drivers who choose not to use CARFAX reports. Learn more about the offerings in our guide titled, “Farmers Auto Insurance Review.”

Cons

• Higher Premiums: Farmers’ premiums might be relatively higher compared to competitors, which could be a drawback for those looking for budget-friendly options and avoiding CARFAX reports.
• Less Advanced Digital Tools: Farmers’ digital tools and online resources might not be as advanced or user-friendly, potentially impacting convenience for tech-savvy clients.

#3 – SafeAuto: Best for Budget Drivers

Pros

• Affordable Monthly Rates: SafeAuto’s rates start at $49 per month, offering cost-effective insurance solutions for drivers who prefer not to use CARFAX reports. Access detailed insights in our guide titled, “SafeAuto Auto Insurance Review.”
• Basic and Accessible Coverage: SafeAuto specializes in straightforward, no-frills insurance coverage, ideal for budget-conscious drivers who need essential protection without CARFAX involvement.
• Bundling Discounts: The 10% discount on bundled policies provides additional savings, making SafeAuto a viable option for those looking to economize while avoiding CARFAX reports.

Cons

• Limited Coverage Options: SafeAuto may offer fewer coverage choices compared to other insurers not using CARFAX reports, which could be a limitation for those needing more comprehensive protection.
• Basic Service Offerings: The level of customer service and additional features provided by SafeAuto might be minimal, which may not meet the expectations of drivers seeking extensive support and customization.

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#4 – Progressive: Best for Flexible Plans

Pros

• Adaptable Coverage Options: Progressive offers a range of flexible coverage plans tailored to diverse needs, catering well to drivers who prefer companies that don’t use CARFAX reports. Dive into our article called, “Progressive Auto Insurance Review.”
• Discount Opportunities: With a 12% bundling discount, Progressive allows clients to save more by combining multiple insurance policies, benefiting those who avoid CARFAX reports.
• Innovative Tools: Progressive provides various digital tools and resources, such as the Name Your Price® tool, which helps clients find coverage within their budget without needing CARFAX reports.

Cons

• Potential for Higher Costs: Despite flexibility, Progressive’s premiums might be higher for some drivers, particularly those with extensive or specialized coverage needs, even when avoiding CARFAX.
• Complex Policy Structure: The range of options and discounts can make navigating Progressive’s policies complex, which might be overwhelming for customers seeking straightforward insurance without CARFAX.

#5 – Liberty Mutual: Best for Family Plans

Pros

• Family-Centric Discounts: Liberty Mutual offers discounts and coverage tailored specifically for families, providing substantial savings and protection without the use of CARFAX reports.Obtain detailed insights by reading our guide titled, “Liberty Mutual Auto Insurance Review.”
• Customizable Coverage: Liberty Mutual allows for extensive customization of policies, catering to various family needs and ensuring adequate coverage for those who prefer not to use CARFAX.
• Bundle Savings: With a 10% discount for bundling multiple policies, Liberty Mutual provides a cost-effective solution for families looking to consolidate their insurance without relying on CARFAX reports.

Cons

• Higher Starting Rates: Liberty Mutual’s premiums begin at $51, which might be higher compared to other providers, potentially affecting affordability for those avoiding CARFAX.
• Service Variability: The quality of customer service can vary, and some clients may experience less consistent support, which could be a drawback for families needing reliable service without CARFAX reports.

#6 – Travelers Insurance: Best for Comprehensive Plans

Pros

• Extensive Coverage: Travelers excels in providing extensive insurance plans that cater to a variety of needs without relying on CARFAX reports, ensuring comprehensive protection.
• Attractive Bundling Discount: With a 12% discount for bundling multiple policies, Travelers offers significant savings for those who require a broad range of coverage.
• Competitive Rates: The monthly rates for Travelers are competitive, particularly for customers seeking comprehensive insurance options without the reliance on CARFAX reports. Access detailed insights in our guide titled, “Travelers Auto Insurance Review.”

Cons

• Limited CARFAX Utilization: The lack of CARFAX report integration may result in higher premiums for high-risk drivers or those with unusual vehicle histories.
• Potentially Higher Premiums: Despite attractive bundling discounts, premiums might still be on the higher side for certain coverage levels compared to more specialized competitors.

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#7 – State Farm: Best for Nationwide Reach

Pros

• Wide Availability: State Farm provides extensive nationwide coverage, making it an ideal choice for those needing reliable insurance across different states without using CARFAX reports.
• Beneficial Bundling Discounts: Customers can take advantage of a 10% discount when bundling policies, which helps lower costs while ensuring broad coverage. Read the article called, “State Farm Auto Insurance Review” for additional insights.
• Strong Local Presence: State Farm’s extensive network of local agents ensures personalized service and effective handling of claims and coverage adjustments.

Cons

• Lower Bundling Discount: The 10% bundling discount, while helpful, is lower compared to some competitors, potentially reducing overall savings for customers.
• Potential Premium Costs: Premiums may remain relatively high for certain coverage levels, even with bundling discounts, particularly if CARFAX reports could offer more tailored pricing.

#8 – Dairyland: Best for Non-Standard Coverage

Pros

• Specialized Non-Standard Coverage: Dairyland shines in offering non-standard insurance options, catering to drivers with unique or high-risk profiles without the use of CARFAX reports.
• Generous Bundling Discount: With a 13% discount for bundling multiple policies, Dairyland provides substantial savings for those needing specialized coverage. Uncover details in our guide titled, “Dairyland Auto Insurance Review.”
• Affordable Monthly Rates: Monthly rates are competitive, especially for those seeking non-standard insurance solutions, making it a cost-effective choice in this category.

Cons

• Niche Market Focus: Dairyland’s emphasis on non-standard coverage may not suit drivers seeking standard or traditional insurance options.
• CARFAX Report Impact: The exclusion of CARFAX reports may limit the ability to adjust rates or coverage based on detailed vehicle histories, affecting high-risk or unique insurance needs.

#9 – Nationwide: Best for Full Coverage

Pros

• Comprehensive Full Coverage: Nationwide provides robust full coverage options, ensuring extensive protection without the dependency on CARFAX reports, ideal for drivers seeking thorough insurance solutions.
• Attractive Bundling Savings: Offers a 15% discount for bundling policies, which is advantageous for customers requiring full coverage and wanting to save on insurance costs.
• Reliable Financial Stability: Known for its strong financial stability and reliable service, Nationwide is a trusted provider for comprehensive insurance needs. Gain insights from our guide titled, “Nationwide Auto Insurance Review.”

Cons

• Higher Premiums: Full coverage premiums may be higher compared to some other providers, which could impact affordability despite bundling discounts.
• Limited CARFAX Integration: The lack of CARFAX report usage might limit the ability to fine-tune premiums and coverage based on detailed vehicle data, affecting high-risk drivers.

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#10 – Allstate: Best for Coverage Options

Pros

• Varied Coverage Options: Allstate excels in offering a wide range of coverage options, catering to diverse insurance needs without using CARFAX reports, ensuring flexibility for customers.
• Significant Bundling Discount: Provides a substantial 20% discount for bundling multiple policies, making it a cost-effective choice for those seeking extensive coverage.
• Extensive Agent Network: Allstate’s broad network of agents offers personalized service and efficient management of claims and coverage adjustments. Dive into our article called, “Allstate vs. State Farm Auto Insurance.”

Cons

• Higher Monthly Rates: Despite offering extensive coverage options, Allstate’s monthly rates can be higher compared to other providers, which may impact affordability.
• CARFAX Report Limitations: The absence of CARFAX reports might limit the ability to adjust rates and coverage based on detailed vehicle histories, potentially affecting pricing for certain drivers.

Monthly Auto Insurance Rates: No CARFAX Report Companies

When comparing auto insurance rates from companies that don’t use CARFAX reports, significant variations emerge based on coverage levels. For minimum coverage, Geico leads with the lowest rate of $47, making it the most affordable option among providers.

Auto Insurance Monthly Rates Without a CARFAX Report by Provider & Coverage Level

In the full coverage category, Geico also offers a competitive rate of $130, again positioning itself as a top choice for cost-conscious consumers. Travelers Insurance follows closely with a monthly rate of $52 for minimum coverage and $137 for full coverage, reflecting its commitment to balancing affordability with comprehensive protection.

Auto Insurance Discounts From the Top Providers That Don’t Use CARFAX Reports

Each provider’s rate varies, highlighting the importance of comparing options to find the best fit for individual needs. To discover more about the company, visit our guide titled, “Auto Insurance Coverage Types.”

Insurance Claims 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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Impact of Reporting an Accident 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.

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.

Removing 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. For more information, check out our complete guide titled, “Does auto insurance cover DUI accidents?”

Auto Insurance Companies and Carfax Accident Reporting

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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