How to Cancel GEICO Insurance (2026) — No Fee, Get Your Refund

Updated 2026-02-14 · 6 min read

GEICO doesn't let you cancel online — you must call or visit an agent. The good news: there's no cancellation fee, and you'll get a prorated refund for any prepaid premium. Here's the exact process.

How to Cancel GEICO

1. Get new insurance first — have your new policy number and start date ready
2. Call 1-800-841-3000 (Mon-Fri 7am-1am EST, Sat 8am-10pm, Sun 9am-10pm)
3. Say "I need to cancel my auto policy"
4. Provide your new insurance details (they'll ask)
5. Request a specific cancellation date that aligns with your new coverage start
6. Ask for written confirmation via email
7. Ask about your refund amount for any prepaid premium

Cancel via Local Agent

If you have a local GEICO agent, you can cancel in person. Bring your new policy documents and government ID.

GEICO Retention Tactics

GEICO agents will try to keep you. Expect:

1. "Let me re-quote your policy" — they'll try to match the competitor's price
2. Bundle discounts — adding renters/homeowners for combined savings
3. Good driver discount review — checking if you qualify for discounts they missed
4. Payment plan change — switching from 6-month to monthly to lower the per-payment amount

Your GEICO Refund

• Prepaid premium: You get a prorated refund for unused days (no penalty)
• Refund method: Check mailed to your address, or back to original payment method
• Timeline: 7-14 business days for the refund to process
• Installment plan: If paying monthly and current, typically no refund — just no future charges

How to Get Cheaper Insurance

The average American overpays for car insurance by $400+/year. Here's how to find a better rate:

• Compare at least 5 quotes: GEICO, Progressive, State Farm, USAA (if eligible), Liberty Mutual
• Use comparison tools: The Zebra, Policygenius, or Gabi compare multiple insurers at once
• Ask about discounts: Good driver, multi-car, multi-policy, low mileage, paperless, autopay
• Raise your deductible: Going from $500 to $1,000 deductible can save 15-25% on premiums
• Drop unnecessary coverage: If your car is worth less than $5,000, consider dropping collision
• Re-shop every 6-12 months: Insurance rates change constantly

Common GEICO Alternatives (2026)

• Progressive: Often cheapest for drivers with accidents/tickets
• State Farm: Best local agent experience, good bundle discounts
• USAA: Best rates overall — military members and families only
• Erie Insurance: Cheapest in Northeast/Midwest (limited availability)
• Root Insurance: App-based, rates based on actual driving behavior