Check your refund eligibility: If you’ve already paid the full insurance premium for your policy period, the unused portion will be refunded after you cancel—usually minus a small administrative fee.

Learn more:

How to get a car insurance refund when you cancel early

Step 2: Ensure you have a new policy in place

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 it comes after the start of your new car insurance policy.

Learn more:

How a coverage lapse could affect you in the long run

Canceling your GEICO policy before the renewal date is a good idea if:

You’ve found new insurance with a lower rate with a different auto insurance company

You plan to

bundle your auto coverage

with homeowners or renters with another provider

You’re

selling your vehicle

and don’t intend to replace it with a new one

Whatever your situation, give yourself time to

compare car insurance quotes

from multiple providers before settling on a new policy or provider.

You can use the

Jerry

app to compare GEICO auto insurance quotes with offers from dozens of other providers and activate a new policy right away if you’re ready to cancel with GEICO.

Unless you’re not planning to own a car in the future, dropping your coverage altogether is a bad idea—switch to a
non-owner policy
instead. Even if you don’t own a vehicle, a coverage lapse could lead to much higher insurance rates, but a non-owner policy ensures you’ll be able to find cheap car insurance both now and in the future.

Learn more:

Ready to Cancel Car Insurance? Read This First

How to cancel your GEICO car insurance policy

To cancel your GEICO auto insurance policy you will need:

Your name as it appears on your GEICO policy

Your insurance policy number, which you can find on your policy ID card

The effective date for your cancelation

Step 3: Once you’ve gathered this information, call 1-800-841-1587.

1. When the interactive voice response system (IVR) asks the reason for your call, say “cancel insurance policy.”
2. When asked for the type of insurance you’d like to cancel, say “auto.”
3. Wait to be connected with a live insurance agent, who will ask for your GEICO policy number and help you cancel your policy. The agent may also request additional information about your new provider and/or additional identification information, such as your date of birth or phone number.

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FAQs

Can I cancel my GEICO policy at any time?

Yes. GEICO policies can be canceled at any time. Policyholders in North Carolina should be aware they may be subject to a short-rate premium cancellation if they cancel mid-policy term.

How do I cancel my GEICO policy online?

Unfortunately, GEICO only allows policyholders to cancel via phone. There is no online cancellation option available.

How many days does GEICO give before cancellation?

GEICO will send a formal cancellation notice within 14 days of a missed payment. This notice will include both the cancellation date and the last date payment will be accepted to avoid policy cancellation.

Do I get money back if I cancel GEICO insurance?

Yes. GEICO typically offers a full refund of any unused premiums upon early cancellation. You should check with your independent agent to see if administrative fees or short-rate calculations apply.