Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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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: Aug 18, 2021

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Key takeaways...

  • 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
  • Geico car insurance does not have a cancellation fee to cancel your policy, no matter when you choose to cancel
  • Most insurance companies require that you prepay your insurance policy, so you are usually paid ahead to some date in the future. So you may be eligible for a refund
  • Always cancel your policy effective the day after the last day you want to have insurance coverage on your car

Car 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 how to cancel Geico car insurance.

Use our free comparison tool to find new car insurance.

What kinds of car insurance does GEICO offer?

GEICO offers multiple insurance products and types of coverage, and the company is known for its reasonable auto insurance rates. You can purchase the following coverages from GEICO:

  • Liability coverage
  • Collision coverage
  • Comprehensive coverage
  • Roadside assistance
  • Mechanical breakdown insurance
  • Uninsured motorist coverage
  • Medical payments coverage
  • Rideshare insurance

Additional coverages are also available so you can customize your auto insurance policy to meet your needs. If you are canceling your policy because you found a more affordable rate elsewhere, remember that GEICO offers multiple discounts, such as the military discount and multi-policy discount. Taking advantage of all discounts you’re eligible for can bring down the cost of your insurance rate.

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Is there a cancellation fee?

Some companies charge a cancellation fee or a prorated 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 GEICO 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.

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How do I cancel GEICO car insurance?

Some companies require that you cancel in writing or go to 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.

Regarding how to cancel Geico car insurance, you will need to call the 24-hour customer service department 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 canceled.
  • Don’t have someone else call to cancel your policy.
  • Don’t try going to a local agent. Geico doesn’t have local agents.

You cannot cancel your policy with the GEICO mobile app, though you can use the app for quick access to basic policy service options.

Make sure you have a new car insurance policy in place before you cancel your previous policy, as a lapse in coverage can elevate your car insurance premiums. Also, auto insurance coverage is mandatory in most states, so remember that you cannot drive your vehicle without signing up for a new policy.

When can I cancel my auto 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 agent how to cancel your Geico policy 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.

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How do you cancel other types of insurance with GEICO?

GEICO offers a variety of other types of insurance coverage. Whether you have a life insurance policy, a boat insurance policy, or homeowners insurance policy, the process is pretty much the same.

Simply go to the GEICO website and look for information about the type of insurance you wish to cancel. There will be a phone number you can call to speak to an insurance representative, who can go over your policy details with you and set the cancellation process in motion.

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.

Now that you know about Geico and how to cancel your policyenter your ZIP code below to compare car insurance quotes for FREE!

References:

  1. https://www.thebalance.com/paying-penalty-for-canceling-insurance-worth-it-2645556
  2. https://wallethub.com/edu/switching-car-insurance/13553/
  3. https://www.thecarconnection.com/tips-article/1090605_switching-car-insurance-8-important-time-saving-tips
  4. https://www.geico.com/manageyourpolicy/auto/
  5. https://www.geico.com/information/faq/cancel-previous-insurance/