How To Cancel GEICO Auto Insurance
You may need to know how to cancel GEICO insurance for various reasons, such as finding lower rates elsewhere. To cancel GEICO coverage, call customer service since you can’t cancel online. However, if you’ve moved, gotten a new car, or changed marital status, you can keep GEICO auto insurance and change your policy information.
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UPDATED: Feb 24, 2022
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There are many reasons why you need know how to cancel GEICO insurance, including moving or finding lower rates elsewhere. The good news is that it’s easy to cancel a GEICO policy simply by calling customer service.
However, if you move or don’t need insurance for a period of time, you may not need to cancel your insurance. GEICO works with drivers to avoid a lapse in coverage and keep rates low.
GEICO has been around for almost 90 years and is the second-largest insurance company in the country. Coverage is also available in all 50 states and the District of Columbia. Read our GEICO car insurance review to learn more.
If you want to cancel GEICO insurance, you need to have new coverage in place. So shop around to find the best coverage with the lowest rates available for you.
Keep reading to learn how to cancel GEICO auto insurance. Enter your ZIP code now to compare free auto insurance quotes from nearby companies to find coverage that works for you.
How do you cancel GEICO auto insurance?
If you have GEICO, canceling a policy is easy. GEICO allows you to cancel coverage at any time for any reason. There is no cancellation fee, and you may be due a refund if you’ve paid in advance. However, you will have to pay the remainder if you still owe for your current coverage.
Simply call GEICO customer service at 1-800-841-1587 to cancel. You will need to have your policy number, but you have to cancel yourself. No one else can call on your behalf.
You also can’t cancel GEICO auto insurance online. While you can stop making payments to end your coverage, it’s not recommended since it will result in higher rates down the road. Instead, speaking with a representative is the best way to end coverage.
It’s vital that you have new coverage in place before you cancel your GEICO policy. According to the Insurance Information Institute, driving without insurance can lead to fines, a driver’s license suspension, having your car impounded, and possible jail time.
Your auto insurance rates will also be much higher when you get coverage again. This is because car insurance companies like to see drivers with a long coverage history and charge higher rates if they see gaps.
To avoid a lapse in coverage, begin your new policy a day or two before your old policy ends. Call GEICO to determine when your policy ends. If your policy is about to expire, it may be more convenient to wait until coverage expires before transferring to a new insurer.
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Why would you want to cancel GEICO auto insurance?
There are many reasons you may want to cancel GEICO, starting with rates. If you’re looking for lower rates, comparison shopping is the best way to find rates and coverage that fits your needs.
However, you may find that GEICO offers some of the lowest rates around. For comparison, we’ll show you rates from the top insurers to see how GEICO stacks up.
This table compares GEICO auto insurance rates to other top companies.
Company Average Annual Rates for Low Coverage Average Annual Rates for Medium Coverage Average Annual Rates for High Coverage
Allstate $4,628.03 $4,896.81 $5,139.02
American Family $3,368.49 $3,544.37 $3,416.40
Farmers $3,922.47 $4,166.22 $4,494.13
GEICO $3,001.91 $3,213.97 $3,429.14
Liberty Mutual $5,805.75 $6,058.57 $6,356.04
Nationwide $3,394.83 $3,449.80 $3,505.37
Progressive $3,737.13 $4,018.46 $4,350.96
State Farm $3,055.40 $3,269.80 $3,454.80
Travelers $4,223.63 $4,462.02 $4,619.07
USAA $2,404.11 $2,539.87 $2,667.92
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Although USAA offers lower auto insurance rates than GEICO, it only provides coverage to military members and their families.
It’s also important to note that rates will vary. This is because many factors affect auto insurance rates, including your age, driving history, and ZIP code.
If you have moved, bought a new car, or changed marital status, there is no need to cancel GEICO coverage. Your auto insurance can be updated with your new information. However, a ZIP code, vehicle, or marital status change can affect your car insurance rates.
Another reason you may be thinking of canceling auto insurance is if you are going on an extended trip or if your car will be in the repair shop. Instead of canceling, you can pause your coverage.
If you’ve sold or totaled your vehicle and won’t be replacing it quickly, consider a non-owner auto insurance policy instead of outright canceling coverage.
A non-owner policy allows you to keep coverage so that you can still drive borrowed or rented cars and avoid a lapse in coverage.
How can you save money on GEICO auto insurance?
If you like your GEICO auto insurance but need lower rates, there are some ways to save money easily.
First, take advantage of auto insurance discounts. GEICO offers discounts based on a variety of factors, including your policy and vehicle. And you can bundle available discounts for the most savings.
This table shows GEICO auto insurance discounts. The amount of the savings is listed if it is available.
Auto Insurance Discounts GEICO (%)
Anti-lock Brakes 5
Claim Free 26
Continuous Coverage x
Daytime Running Lights 1
Defensive Driver x
Distant Student x
Driver's Ed x
Driving Device/App x
Early Signing x
Emergency Deployment 25
Family Legacy x
Farm Vehicle x
Federal Employee 8
Full Payment x
Further Education x
Good Student 15
Low Mileage x
Multiple Policies 10
Multiple Vehicles 25
Newer Vehicle x
Passive Restraint 40
Safe Driver 15
Seat Belt Use 15
Students & Alumni x
Utility Vehicle x
Vehicle Recovery 15
Then, look at your coverages and deductibles. Lowering coverage amounts and raising deductibles will lower your rates. However, you will be left with more out-of-pocket costs if your car is damaged.
How to Cancel GEICO Auto Insurance: The Bottom Line
Canceling GEICO car insurance is easy, and you aren’t charged a fee for canceling early. However, you can’t cancel online and must call customer service.
It may not be necessary to cancel your GEICO insurance. For example, if you’ve moved, changed vehicles, or gotten married or divorced, update your policy instead of canceling. GEICO will also let you pause your policy if you will not be driving for an extended period of time.
If you’re canceling coverage because rates are too high, consider adding discounts, lowering coverage, and raising deductibles to save money.
Although, if you decide to cancel GEICO, make sure you have new coverage in place before your GEICO policy ends. A lapse in coverage can cost you time and money.
If you are ready to cancel your auto insurance, shop around to find the lowest rates out there. Then, compare rates and coverages to find your best fit.
You’re ready to get new coverage in place now that you know how to cancel GEICO auto insurance. Enter your ZIP code now to compare auto insurance quotes from companies in your area for free.