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 insuranc...

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Nov 20, 2021

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At a Glance

  • You can cancel your auto insurance easily
  • You’ll have to contact your insurance company and verify your identity
  • Make sure you don’t need the coverage before you cancel it

If you’re wondering how to cancel GEICO auto insurance, you can do so in a few steps. Once you contact your insurance company, verify your identity, and cancel your policy, you’ll be ready to find new car insurance rates. In addition, if you no longer need insurance, then it’s one less bill for you to worry about.

If you’re not happy with the GEICO auto insurance rates, enter your ZIP code into our free quote tool to see what you could pay with other insurance companies.

How do you cancel GEICO insurance?

There are a few simple ways that you can cancel your GEICO insurance. All you’ll need to do is contact GEICO to notify them of your cancellation. You can contact the insurance company in a couple of ways.

Some of the ways you can contact GEICO to cancel are:

  • Calling (800) 841-1587 and telling them that you’d like to cancel your policy
  • Going to GEICO’s website and using the customer service email address.
  • If you have the GEICO app, you can also seek help from the in-app Help section.

Your insurance company will likely ask for essential details like your policy number and other information to verify you’re the policy owner. Then, after you get in touch with GEICO and confirm your identity, a representative will help you end your coverage.

Is there a GEICO cancellation fee? Unless you have past-due bills or fees, you likely won’t have to pay anything when you cancel. However, there may be cases when you have to pay back funds that were credited to you.

According to the Insurance Information Institute, your choice to not renew your policy isn’t the same as a cancellation. This can be your decision or the insurance company’s, but it won’t affect you in the same ways a cancellation might.

You can also cancel your policy by not paying your premiums. However, this may impact your credit score or prevent you from getting a policy with another insurance company down the line.

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Wondering how to cancel GEICO motorcycle insurance?

To get an auto insurance cancellation letter for your motorcycle insurance policy, you’ll have to follow similar steps as with your traditional auto insurance. Then, get in touch with a GEICO representative to discuss canceling your policy and start looking for new motorcycle insurance.

What information will I need to provide?

Seeing as your auto insurance is one of the requirements for being on the road, your identity will need to be verified before your insurance company will discuss the policy with you. To change your auto insurance policy, you’ll need to provide information such as:

  • Your policy number
  • Your personal information
  • Address to send a cancellation notice

Since GEICO will need to verify your policy and your identity, it will save you a lot of time to have the documents and information prepared ahead of time. After you verify your identity, you’ll be able to cancel your policy and get started with a new cheap automobile insurance policy.

Can you cancel GEICO insurance online?

While the company doesn’t explicitly offer any solutions for canceling your GEICO policy online, there is still a way to do it. If you want to cancel your auto insurance policy without speaking to anyone, you can:

  • Speak to an agent through the Help section in the app
  • Email a GEICO agent with the proper identifying information and your wish to cancel

Another way to cancel that won’t force you to speak to anyone is to stop paying your rates. At that point, GEICO will cancel your auto insurance policy on its own. However, there’s no guarantee that this method won’t affect your credit score, and it may give you issues if you try to re-enroll.

What is the GEICO refund policy?

Are you looking to cancel Geico insurance for a refund? This may be tricky as GEICO doesn’t openly state its refund policy if it has one. However, GEICO says that customers can receive a prorated refund for unused services if they cancel in the middle of a billing period.

For instance, let’s say that you paid your yearly rate for your GEICO auto insurance policy all at once. If something happens to your car 5 months later, you’re still insured under your policy. If you cancel your auto insurance before the end of the policy, you can likely get some form of refund on the months that you didn’t use the coverage.

Can someone else cancel my GEICO insurance?

When you try to cancel your policy or even file a claim, you’ll have to prove that you are the policyholder. Most insurance companies won’t discuss a policy unless you can provide them with a policy number, and they’ll still likely ask for other information to verify that you are the owner before they move forward.

If you can’t provide any of the above information and don’t have access to the policy, you can’t cancel the insurance. However, the insurance company may make an exception if you prove that someone has passed away and will no longer need auto insurance coverage.

Why did GEICO cancel my policy?

As an established company in the auto insurance industry, GEICO can’t just cancel someone’s policy for no good reason, lest it risk a lawsuit. If GEICO has canceled your auto insurance policy, then you likely did something to void the contract. Some of the reasons GEICO might void a policy include:

  • You stopped paying your rates
  • Your only vehicle was totaled
  • You filed too many claims in a short period

In any of the above instances, the insurer would still attempt to contact you in several ways before ending your coverage. If you suddenly find you don’t have auto insurance coverage, you can reach out to the insurance company and ask why your policy was canceled.

What are the reasons to cancel auto insurance?

There are some reasons why you may want to cancel your auto insurance. Your policy allows you to drive on the road, but what if that’s no longer an option for you? You shouldn’t pay for a policy unless you’re using it; otherwise, it’s wasted money. Some examples of when it would be wise to cancel your policy include:

  • You don’t have a vehicle
  • You can’t afford the rates
  • You found a better deal at another company
  • You’re switching to public transportation

There are several reasons why you might want to cancel your auto insurance, and none of them are wrong. If you feel that you no longer wish to be enrolled in that program, you probably have a good reason. If getting rid of your auto insurance policy makes your life easier, you should consider it.

What should I consider before canceling my auto insurance?

While it can be liberating to have one less bill to worry about, you should ensure that it’s really what you want to do before it’s finalized.

For example, you won’t be able to drive on the road until you get a new insurance policy, so make sure you have a plan for that before you cancel. There may also be a waiting period before your next policy kicks in, so you’ll want to ensure that you won’t need to be on the road in the interim.

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Enter your ZIP code below to view companies that have cheap auto insurance rates.

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How to Cancel Geico Auto Insurance: The Bottom Line

Deciding to cancel your GEICO auto insurance can be a big decision. It could leave you without protection on the road. That being said, it can also liberate you from a bill that you no longer need. As long as you do it thoughtfully and with a plan, you won’t have to worry about your GEICO insurance policy anymore.

If you’re wondering how to cancel GEICO auto insurance, enter your ZIP code to see what you could pay at another insurance company.