Jessica Sautter is a Content Writer for with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Sep 20, 2020

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whats the geico car insurance cancellation policyCar insurance is one of the most important policies for you to carry. Most states require that you carry it, and it may be all that stands between you and a lawsuit if you are in a car accident.

Choosing which insurance carrier you want to have for your car insurance policy can be a difficult decision. One aspect you may want to consider is the company’s cancellation policy.

How difficult is it to cancel your policy? Will you be charged a fee if you cancel? There are several questions to consider when reviewing GEICO car insurance as a possible company to fit your needs.

Use our comparison tool to find new car insurance after you cancel your GEICO car insurance.

Is There a Cancellation Fee?

Some companies charge a cancellation fee or a pro-rated amount for your insurance if you cancel in the middle of your insurance policy term.

GEICO does not have a cancellation fee to cancel your automobile insurance policy, no matter when you choose to cancel.

Will I Receive a Refund or Owe Money if I Cancel?

Most insurance companies require that you prepay your insurance policy, so you are usually paid ahead to some date in the future. This means that if you cancel before the date you are paid up until, you may be entitled to a refund. With GEICO, the agent that cancels your policy for you can let you know how much of a refund you may receive after you cancel your policy.

Keep in mind, you might actually owe money if you made changes to your policy that raised the cost of your insurance policy.

If you add another vehicle, for example, you might owe money if you cancel down the road–especially if you haven’t made any larger payments on your policy yet when you cancel.


Can I Have Someone Else Cancel My Policy for Me?

GEICO will not let you have someone else cancel your policy for you because an insurance policy is a legal contract between you and the company.

This means you can’t have your new agent call to cancel the policy if you get insurance somewhere else, a family member call to cancel for you or even someone else who is listed as a driver on your policy such as your adult child.

If they aren’t listed as the policyholder, they can’t cancel the insurance.

One exception to this policy is if you have someone with power of attorney for you. If, for example, you are a military service member who has given power of attorney to a parent, your parent can call and cancel your policy for you. GEICO will require them to fax in the power of attorney document before they will let them cancel the policy.

How Can I Cancel My Policy?

car insurance cancellation policy

Some companies require that you cancel in writing or go into your local agent’s office to cancel your policy. Other companies will let you cancel online if you have online access to your insurance policy.

With GEICO, you will need to call in to the 24-hour customer service center to cancel your policy. You can make other changes in your policy on the GEICO website.

Ways NOT to cancel your GEICO auto insurance policy:

  • Don’t send an email. Your policy won’t be cancelled.
  • Don’t have someone else call to cancel your policy.
  • Don’t try going to a local agent. GEICO doesn’t have local agents.

When Can I Cancel Policy?

With GEICO, you can cancel your policy at any time and have it effective immediately or at a future date. There are even some limited circumstances that you can backdate a cancellation to make it effective on a date in the past, such as if you sold your vehicle.

Choose your cancellation effective date carefully to avoid having a lapse in insurance coverage, especially if you are selling your vehicle.

Some states require that you carry insurance on a vehicle until you turn in your license plates, and GEICO may notify your state directly of the cancellation date of your insurance.

If in doubt, ask the GEICO agent when you call or contact your local Department of Motor Vehicles for advice.

What Time Will My Cancellation be Effective?

All of GEICO’s auto insurance policies begin and end at 12:00 AM on the effective date. This means if you cancel effective tomorrow’s date, you will have no insurance tomorrow because it will end at midnight tonight.

Always cancel your policy effective the day after the last day you want to have insurance coverage on your car.cancel a car insurance policy

A company’s cancellation policy is just one thing to consider when shopping for an auto insurance company. Comparison shopping at different insurance companies will help you determine the best fit for you and your needs.

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