How to Cancel GEICO Auto Insurance in 5 Steps

This guide will teach you how to cancel GEICO auto insurance. You may want to cancel if your monthly rates are no longer affordable. The GEICO auto insurance company doesn't issue a cancellation fee. Before you learn how to cancel GEICO car insurance, get buy another policy. However, you should compare multiple companies and shop around for a new auto insurance policy before you cancel.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Mar 30, 2021

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What You Should Know

  • GEICO is one of the cheapest auto insurance companies in the United States.
  • Before you cancel your GEICO auto insurance, a GEICO representative may offer you more discounts.
  • You can get a partial refund if you’ve paid your GEICO policy in full.

GEICO auto insurance review is one of the top reviews on our site. There you can learn how to renew, lower, reduce or get GEICO auto insurance, but if you may want to know how to cancel Geico auto insurance, you are in the right place.

If you’re moving to a state where GEICO isn’t available, it may be a reason you should cancel. GEICO auto insurance rates are more expensive than average in some states. Whatever the reason, canceling your GEICO car insurance is important if you want to maintain cheap rates.

Before you learn how to cancel GEICO auto insurance, use our FREE online quote tool to compare multiple companies in your area.

How do I cancel GEICO auto insurance?

Although you manage your account through your GEICO auto insurance login, GEICO will only cancel your auto insurance policy by phone.

Contact the GEICO auto insurance phone number at 1-800-841-1587 and tell the automated system you want to cancel your auto insurance policy. You’ll be connected to a live agent who will walk you through what to do next.

To elaborate on how to cancel your GEICO car insurance policy, we’ve come up with five steps on how you cancel a policy.

  • Step 1: Verify your renewal date – Review your renewal offer, which comes 45 to 65 days before your policy expires.
  • Step 2: Compare auto insurance quotes – Shop around for affordable auto insurance rates. Use our online tool to find cheap coverage.
  • Step 3: Find a new auto insurance policy – Once you find the coverage you want, purchase the policy and set a date so the switch goes smoothly.
  • Step 4: Cancel your GEICO auto insurance policy – Call GEICO and let them know the date you want to cancel.
  • Step 5: Follow up on your refund – Ask about your refund if you paid your policy in full.

If you’ve received your GEICO renewal offer, start searching for affordable auto insurance quotes in your area. Continue reading to look at the average cost from some of the best car insurance companies.

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Compare The Best Companies Before You Cancel

Before you call to cancel, it’s in your best interest to get another auto insurance policy to prevent a lapse in insurance. A lapse in car insurance will increase rates when you go to another company.

What’s a lapse in auto insurance? A lapse is a period in which you’re driving uninsured. Car insurance companies see a lapse as a significant risk and increase rates when you purchase insurance.

While you still have a GEICO auto insurance policy, compare multiple companies to see how you can save money and get equal or better service. Check out the list of companies below to see which is better for you.

Average Annual Auto Insurance Rates by Company
Top Auto Insurance CompaniesAverage Annual Auto Insurance RatesAverage Six-Month Auto Insurance RatesAverage Monthly Auto Insurance Rates
USAA$2,489$1,245$207
State Farm$2,731$1,366$228
GEICO$3,074$1,537$256
Nationwide$3,187$1,594$266
American Family$3,699$1,850$308
Travelers$3,729$1,865$311
Farmers$3,908$1,954$326
Progressive$3,935$1,968$328
Allstate$4,533$2,267$378
Liberty Mutual$5,296$2,648$441
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GEICO is one of the top three companies regarding cheap auto insurance rates. But is GEICO’s overall service better? As you research companies to switch to, look at the coverage options you have now and compare them with other companies.

According to the National Association of Insurance Commissioners (NAIC), the average cost of full coverage auto insurance is $86 per month. When you consider all the factors that determine auto insurance, it increases the average rates.

Do I have to pay a GEICO auto insurance cancellation fee?

GEICO is one of the few companies that doesn’t issue a cancellation fee. You can cancel any time — now or at a later date. It’s best to cancel on a specific date, such as the date you start your new policy.

Why should you pick a specific date? According to the West Virginia Office of the Insurance Commissioner, an auto insurance company has a set number of days to accept or reject a customer’s cancellation request.

Each state carries its own law on car insurance cancellation. Some states don’t govern cancellations at all.

Can you receive a refund from GEICO auto insurance after cancellation?

When you buy GEICO auto insurance or any auto insurance policy, you have an option to pay in full. If you’ve paid in full at the start of your policy, you can receive a refund when you cancel.

However, your refund will depend on the number of months you didn’t use GEICO’s auto insurance service. For example, if you paid in full and used GEICO for two months, you would receive four to eight months’ worth of premiums.

Why four to eight months? Some GEICO policies only last six months, while some GEICO policies last for 12 months in some areas.

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What’s the bottom line?

Affordable GEICO auto insurance is hard to pass up. However, you should find a car insurance policy that’s best for you. If cheaper is better for you, but you want to keep GEICO, ask GEICO representatives about discounts. Are you still unsure how to compare auto insurance quotes?

Compare GEICO auto insurance quotes you saw in the guide to other companies in your local area by entering your ZIP code in the FREE comparison tool below.

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