How to Cancel GEICO Insurance

Canceling your GEICO car insurance is as easy as calling 1-800-841-1587 to speak with a GEICO agent.
Written by R.E. Fulton
Reviewed by Kathleen Flear
You can only cancel your GEICO auto insurance policy by calling 1-800-841-1587 to speak with a GEICO agent. 
If you’re moving, selling your vehicle, or trying to switch to a new insurance company, you’ll need to get on the phone to cancel your current policy with GEICO. We’ll walk you through the cancellation process. Remember, if you cancel your GEICO policy, you should have a new
car insurance
policy lined up so your coverage never lapses. 
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How to cancel your GEICO car insurance policy

The GEICO cancellation process is fairly straightforward. When you’re sure you’re ready to cancel, follow these steps: 
  • Find your GEICO policy number. (You’ll need it in a minute). 
  • Call 1-800-841-1587. This is the only way to cancel your policy. 
  • If you hear the interactive voice response system (IVR), say “cancel insurance policy” and then “auto.” 
  • You’ll be connected with a live insurance agent, who will help you cancel your policy. 
Before you cancel your GEICO insurance, make sure you have a new policy lined up with a different insurance provider to avoid
a lapse in coverage
. Even a brief coverage lapse can lead to higher premiums down the road. When you call, you’ll be able to set the
cancellation date
so that it comes after the start of your new car insurance policy. 
If you’re changing insurance for a financed vehicle, be sure to let your lender know that you canceled your GEICO insurance

Can you cancel a GEICO policy without calling? 

Unfortunately, no. You can’t cancel a GEICO policy online or through the GEICO mobile app. You can’t even cancel by mail. The only way to do it is to contact GEICO by phone. 
If for some reason you’re not able to make a phone call—or you need to cancel a policy on behalf of someone else—it’s possible, but only if the person calling has power of attorney for the policyholder. Without that legal permission, you can’t cancel on someone else’s behalf. 

Does GEICO charge a cancellation fee? 

Like most car insurance companies, GEICO doesn’t charge a cancellation fee, though
North Carolina auto insurance
policies may be subject to short-rate premium calculations. 

Does GEICO refund you if you cancel your auto insurance policy? 

If you’ve already paid the full insurance premium for your policy period, the unused portion will be refunded after you cancel. 

Does GEICO have a grace period for nonpayment?

In some cases, GEICO will cancel your policy for you—if you miss a payment and fail to meet your deadline on time. The GEICO missed payment grace period is nine days. If you’re not able to make the payment by the end of that period, GEICO will go ahead and cancel your policy and send an official notice within 14 days of the original due date. 

Should you cancel your GEICO insurance? 

Depending on your reasons for canceling your GEICO insurance, there might be a better option. Common reasons for canceling include: 
  • You aren’t able to afford insurance coverage
  • You want a different type of policy
  • You’ve
    sold your vehicle
    , or changed your
    marital status
  • You purchased a homeowners or renters policy with a different company 
  • You found cheap car insurance with a different auto insurance company
Any of these is a great reason to
shop for new auto insurance quotes
, but it might not mean you have to cancel your car insurance coverage with GEICO. 
The best way to know for sure if canceling your GEICO insurance is the right move is to compare car insurance rates from several different companies to see if you have better options elsewhere. 
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