Background working with banks and insurance companies
Sarah enjoys helping people find smarter ways to spend their money. She covers auto financing, banking, credit cards, credit health, insurance, and personal loans.
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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You may want to cancel your GEICO auto policy for various reasons, such as expensive premiums or issues with customer service. The insurer doesn’t allow online cancellations or have in-person agents, so you’ll need to call customer service.
Every state but New Hampshire requires drivers to carry car insurance. So before you cancel your current policy, make sure your new policy has taken effect to avoid a lapse in coverage.[1]
GEICO cancellation policy
You can’t cancel your GEICO policy online. Instead, policyholders must call customer service at 1 (800) 841-1587 to speak with a live agent. If prompted, say “cancel insurance policy” followed by “auto” to be connected with customer support.
GEICO doesn’t charge a cancellation fee. But North Carolina policyholders may face a short-rate premium calculation and not get as large a premium refund, when applicable.[2]
Before canceling, follow the steps below to review your auto policy details and set up your new coverage. If you want to learn more, visit GEICO’s cancellation page or contact a GEICO agent.
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Step 1: Look up your renewal date
To find your renewal date, check your insurance card, policy declaration page, GEICO mobile app, or online account. You can also call one of GEICO’s experienced agents to verify your renewal date.
It’s a good idea to cancel your old policy as close to your car insurance renewal date as possible. Doing so can help you avoid a lapse in coverage, which would cause your insurance rates to increase or put you at risk legally.
Similarly, driving while uninsured during a coverage gap can have serious consequences. For example, if you get into an at-fault accident without insurance, you may face license suspension, fines, and high out-of-pocket costs to cover damages and injuries.
Step 2: Compare car insurance quotes
Several factors influence your car insurance rates, including your age, gender, ZIP code, claims history, driving record, type of car, and coverage types. As a result, insurance rates can fluctuate regularly based on your risk profile and the market.
That’s why savvy customers compare quotes regularly. This ensures you always have the best price on the coverage you need, especially if you want to cancel your GEICO coverage for cheaper rates.
The Insurance Information Institute recommends obtaining quotes from at least three different insurance companies. When comparing, check that each policy has similar coverage types, deductibles, and limits for the most accurate comparison.[3]
Step 3: Secure a new car insurance policy
Purchasing a new policy before your previous policy ends helps avoid coverage lapses. You can buy coverage through the insurance company’s website or by contacting an agent. You can also get free auto insurance quotes and buy a policy online or through an insurance broker.
When you apply for a policy, the auto insurance company will likely ask for your most current information. Keep the following necessary details on hand to expedite the process:
Date of birth
Vehicle identification number (VIN) or vehicle information
Accident history
Payment info (debit or credit card and bank account number)
Desired effective date
Coverage types and amounts
Be aware that many states allow insurance companies to check your credit history to generate a credit-based insurance score when setting rates. If you live in one of those states, your insurer will likely check your credit during the quote process and when underwriting your policy, so you’ll need to provide your Social Security number.[4]
After purchasing new insurance coverage, you can cancel your GEICO policy. You can only cancel your policy over the phone by calling 1 (800) 841-1587 and speaking to customer service.
The representative may ask for important details to proceed, such as your GEICO policy number, reason for cancellation, cancellation date, and new car insurance coverage. So be sure to have the necessary information on hand.
The GEICO agent may ask you to reconsider the cancellation request. If you’ve already purchased a new policy at a better deal, don’t feel pressured to renew.
Step 5: Follow up on your refund
GEICO may refund your premium on the unused portion of your policy, especially if you paid six to 12 months in advance. When you cancel your policy, ask if you’ll get a full refund, what the refund amount is, and what the estimated arrival time is. Keep an eye out for your funds, and reach out again at a future date if you haven’t received it.
How GEICO quotes stack up vs. competitors
GEICO Insurance Agency offers lower rates than the national average. It also offers a number of discounts to lower your car insurance premiums even more. See the table below to help you compare quotes from GEICO’s competitors.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Canceling GEICO insurance FAQs
Canceling car insurance can be confusing, especially if it’s your first time. If you still have questions about the GEICO cancellation process, check out the additional information below.
Does GEICO charge a cancellation fee?
GEICO doesn’t charge a cancellation fee. But if you live in North Carolina and cancel before the end of your policy contract, GEICO may charge a short-rate cancellation fee. This means it keeps a larger portion of your unused premiums.
Can you cancel your GEICO policy at any time?
Yes. You can cancel your GEICO policy anytime and potentially receive a refund on the remaining balance of your premiums.
How can you confirm your GEICO insurance policy is canceled?
Track the status of your GEICO cancellation by logging into your account or by calling customer service at 1 (800) 841-1587. You may also receive a confirmation email, a text message, or a cancellation letter so you have a formal record.
Does GEICO have a grace period for non-payment?
State laws may require car insurance companies to give grace periods to policyholders. The GEICO website doesn’t specify a grace period. But many insurers offer seven to 30 days of leeway.
How do you cancel car insurance online?
You can’t cancel your GEICO car insurance online. You must speak to your insurance agent or call customer service. GEICO’s contact information is 1 (800) 841-1587.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
Property damage limits between $10,000 and $50,000
No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
Comprehensive coverage with a $1,000 deductible
Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Alani Asis is a personal finance freelance writer with nearly three years of experience in content creation. She has landed bylines with leading publications and brands like Insider, Fortune, LendingTree, and more. Alani aims to make personal finance approachable through fun, relatable, and digestible content.
Background working with banks and insurance companies
Sarah enjoys helping people find smarter ways to spend their money. She covers auto financing, banking, credit cards, credit health, insurance, and personal loans.
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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