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How to Cancel GEICO Insurance

Gather your information and give GEICO a call if you want to end your policy early — just make sure you know what your end date will be and have another policy picked out before you do.
Updated April 11, 2025
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Looking to cancel your GEICO insurance policy? Just because this insurer tends to offer below-average prices and a range of coverage options doesn't mean it will be right for everyone. If you have car insurance through GEICO and want to get rid of it, follow these steps to prepare and cancel your policy.

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Key takeaways

  • GEICO requires calling a customer service representative when canceling a policy. This is a pretty typical requirement.
  • You can cancel your GEICO at any time and may receive a refund of any unused portion.
  • Be prepared to provide your policy number for reference and your preferred effective date for cancellation when canceling.
  • If you have more than one GEICO policy, you may lose your bundling discount, which can impact the cost of the other policy.

GEICO's cancellation policy

GEICO lets you cancel your insurance policy at any time, making it easy to switch car insurance if you aren't having the best experience or find a better deal elsewhere. This is very common — it's rare that an insurer wouldn't let you cancel your policy before renewal, but some companies make it easier than others.

You don't generally have to worry about cancellation fees with GEICO, though you may want to check your specific contract to see what its terms and conditions say.

Requesting a refund

If you paid your GEICO insurance policy upfront and canceled it before the renewal date, you should receive a refund for any unused portion of your policy.

Editor's note
We've found that many auto insurance policyholders don't know they can request a refund for insurance policies they cancel. It's important to know what you're entitled to, no matter which company you choose.

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How to cancel your GEICO insurance policy

To cancel an active policy, GEICO requires you to call customer service at 1-800-841-1587. You can't cancel your policy online, unfortunately, which is fairly standard. You'll go through the interactive voice response system first, but it'll direct you to a real person once you tell it you need to cancel.

Have your policy number ready, as well as the end date you're requesting for your current policy. The agent can let you know how you'll receive your cancellation information, whether by mail or email.

Warning
It's important that you maintain insurance coverage through the start of your new policy so you can continue to drive legally without a lapse in coverage. When deciding on an end date, make sure you have a day or two of overlapping coverage between your old and new policies.

Steps to take before canceling your car insurance

You can call GEICO to cancel whenever you're ready, but there are a few items you'll want to take care of before doing this. Going through these steps can help you ensure you aren't missing any important details as you cancel an existing policy or negotiate a new one.

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1. Consider the reason you're canceling

Consider exactly why you want to cancel your GEICO insurance policy because any representative you talk to is likely to ask. Is the cost too high for the coverage you get? Or has the experience been less than ideal? If you haven't had the best service interactions with GEICO, finding another provider that meets your expectations may be the best situation.

But if the cost is too high, ask for a discount, even if you ultimately think you'll cancel. If you want more affordable coverage, consider talking to a GEICO agent before you cancel and requesting a review of your premiums. GEICO provides more discount options than many car insurance companies, and it may be able to help you work out a lower premium. It's in the company's best interest to try to keep you around.

I recommend researching GEICO's competitors' offerings to compare prices and policies before you call the insurer to discuss the cost of your coverage.

2. Review your policy terms

Your current GEICO insurance policy has certain terms and conditions that may come up if you decide to cancel. This could include reviewing any possible cancellation fees, your policy's expiration date, and the types and amounts of coverage you have.

GEICO doesn't generally charge cancellation fees, but it's always better to check and make sure. Since cancellation fees may exist, it's best to cancel an insurance policy when it's about to expire. This will typically help you avoid any fees, and then you can switch to another insurance policy to prevent a lapse in coverage. But it doesn't always work out this way.

3. Compare other car insurance companies

If you want to lower your car insurance rates with GEICO, research policies and quotes from other car insurance companies before you call in. Finding better prices for the same type of coverage from another provider gives you good reason to leave GEICO and will give you peace of mind knowing you're getting a better rate.

There are plenty of online insurance marketplaces out there that can help you turn up better deals. You can also use the tool below to get quotes from a few of the best auto insurance companies.

So that you can better compare policies, work out your exact coverage amounts, such as the limits on each type of coverage you have. For example, you might have a GEICO auto insurance policy with bodily injury liability limits of $100,000 per person and $300,000 per accident.

Having these numbers in mind can help you find similar coverage from another insurance provider. It can also help you compare prices more accurately between different car insurance companies because you'll be comparing the same type of coverage and the same coverage limits.

What if you have bundled policies with GEICO?

If you have multiple insurance policies with GEICO, such as a home and car insurance bundle, you likely qualify for a multi-policy discount on your rates. This is an expected discount for most major insurance providers and something to be aware of if you're planning on canceling one of your policies.

If you no longer have bundled policies with GEICO, you'll lose your multi-policy discount. For example, if you cancel your car insurance policy from a homeowner's and car insurance bundle, you're only left with the home insurance policy, which doesn't count as a bundle. So you wouldn't qualify for the multi-policy discount anymore.

You would likely see a rate increase for your home policy since the bundled discount no longer applies. Be sure to do the math ahead of time. If you found a great deal and are saving enough on your new auto policy, it could still be worth it to lose the multi-policy discount.

FAQs

Can I cancel GEICO insurance online?

GEICO doesn't typically allow policyholders to cancel a policy online, but you can call and speak to a customer service agent if you want to cancel. The number for cancellation requests is 1-800-841-1587. If you reach GEICO's interactive voice response system when you call, simply say "cancel insurance policy" to be directed to an agent.

Does GEICO refund your money if you cancel?

If you've paid your insurance premiums ahead of time and then decide to cancel before your policy period ends, GEICO will typically refund you for any unused portion of your policy. Be sure to contact GEICO to see how much of a refund you should receive and when you should receive it.

Does GEICO charge a cancellation fee?

GEICO doesn't typically charge a cancellation fee if you want to cancel your GEICO insurance policy. However, it doesn't hurt to check your policy's specific terms and conditions. This can be done by looking over your policy paperwork, checking your online account, or talking to a representative.

Can you pause your insurance with GEICO?

It's possible to pause or suspend your car insurance policy with GEICO, though the guidelines may depend on the state where your vehicle is registered. Be sure to call GEICO and speak with a customer service representative to see what kinds of plans are available and what the requirements are.

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Bottom line

As one might expect from a company fronted by such a friendly lizard, GEICO makes it relatively painless to cancel your insurance, auto or otherwise.

But don't cancel your GEICO insurance without having a plan for ensuring that you maintain uninterrupted coverage. That makes choosing your end date especially important. Make sure you've secured new coverage that overlaps with the final days of your time with GEICO to avoid any time uninsured.

This kind of preparation can help if you want to save money on car insurance and get the coverage you need to comply with state laws.

Save On Your Auto Insurance
  • You could save up to $600 with some companies.
  • Compare dozens of providers in under 5 minutes.
  • Fast, free, and easy way to shop for insurance.
  • Quickly find the perfect rate for you.

Average rate: