How to Cancel Geico Car Insurance

Posted by Frank Gogol
Updated on May 16, 2022

Are you thinking of canceling your Geico car insurance policy? You have to consider many things first before trying to cancel your policy from Geico. That’s because a lack of preparation–or even improper preparation–can accidentally lead to a gap in your insurance, which is something you don’t want to happen.

In this article, you’ll learn how to cancel Geico car insurance quickly and easily.

Cancel Geico Car Insurance by Phone

You can cancel your Geico car insurance by phone. It may seem intimidating, but it’s actually very easy:

  1. Dial (800) 841-1587 on your phone.
  2. Ask to talk to a licensed Geico agent.
  3. You may be prompted to speak by an Interactive Voice Response system (IVR).
  4. Say clearly, “Cancel insurance policy” and then “Auto” or “Car.”
  5. Make sure to have your Geico policy number nearby as you may be asked to provide that.

How to Cancel Geico Car Insurance Online

Unfortunately, there’s currently no way to cancel your Geico car insurance policy online.

If you want to cancel your policy, the only way to do it right now is to contact the number listed above. That said, you don’t have to feel nervous since it’s a straightforward process.

Does Geico Have a Cancellation Fee?

Geico doesn’t charge a cancellation fee. You just have to talk to their licensed agent as outlined above, and your policy will be canceled in no time at all.

Considerations Before You Cancel Your Geico Policy

Before you cancel your Geico policy, there are a couple of considerations you should think about. Below, we look at a couple of them in detail.

Should You Only Suspend Your Policy?

If you’re thinking of canceling your policy because you think you won’t be using your car for the next month or so, maybe you should just suspend it.

For instance, let’s say you have an upcoming 2-month trip overseas. You want to cancel your insurance policy because you think it’s a waste to pay for the two months that you won’t be in your car.

Instead of outright canceling, you can talk to Geico and tell them your situation. They may offer to suspend it temporarily while you’re not using your vehicle and resume once you’re already back on the road.

Find Another Car Insurance

Before canceling your policy, it’s essential to have already done some car insurance shopping. You don’t need to have another active policy right now, but at least have something to cover you after you cancel.

After all, getting a new car insurance policy is not always instant. Although you can already get a quote and coverage within 24 hours, you still don’t know if any emergencies may arise to keep you from doing that. And again, you don’t want to be caught on the road uninsured.

Reasons to Cancel Auto Insurance

There are many reasons why you may want to cancel your auto insurance policy. Below, we look at some of the most common. 

You’re Moving to Another State

Luckily, Geico is available in all 50 states. You can simply contact them to let them know you’re moving, and they can provide a new quote that’s suitable for your new location.

You Changed Your Marital Status

You don’t have to cancel your auto insurance policy just because you need to add or remove a spouse. In fact, changing this part of your policy is as simple as adding or removing a name. If your new spouse has a car as well, you can even get a Multi-Vehicle Discount.

You Need a Different Kind of Policy

Similarly, you don’t have to cancel your car insurance just for this. Geico also offers policies for homeowners, renters, and other types of insurance. You can also get a discount if you get all of your policies from Geico.

It’s Too Expensive for You

Sometimes, you may find another car insurance policy that seems to be less expensive than Geico. Make sure to check all hidden fees and compare all the nitty-gritty details before deciding. Geico offers plenty of discounts and special offers all year round, so it may even turn out to be less expensive than the other company.

How to Cancel Geico Car Insurance FAQ

Here are some of the most frequently asked questions about canceling your Geico car insurance.

Will I receive a refund or owe money if I cancel?

If you pay ahead of time, then yes, you will receive a refund of the unused portion of your payments if you cancel your Geico policy. You can contact Geico to see how much you’ll be getting back and when you’re going to receive it.

Can someone else cancel my Geico policy for me?

Technically, someone else can cancel your Geico policy for you–as long as they have the legal Power of Attorney. Other than that, only the policyholder is allowed to cancel their Geico policy.

Where does Geico require additional information?

You typically don’t need to submit any additional information when canceling your auto insurance policy.

Read More

Canceling Geico Car Insurance: Final Thoughts

Canceling your Geico car insurance policy is a completely free and painless process. If you’re thinking of canceling, be sure to shop around first for other policies to ensure that there won’t be a gap! Need a car as soon as possible? Maybe you’re thinking of getting an auto loan as an H-1B visa holder? What about taking out an auto loan without SSN? Read these articles to figure out the process!

Need a Loan? Get One in 3 Simple Steps

If you are considering applying for a personal loan, just follow these 3 simple steps.


Apply online for the loan amount you need. Submit the required documentation and provide your best possible application. Stronger applications get better loan offers.


If your application meets the eligibility criteria, the lender will contact you with regard to your application. Provide any additional information if required. Soon you’ll have your loan offer. Some lenders send a promissory note with your loan offer. Sign and return that note if you wish to accept the loan offer.


The loan then gets disbursed into your U.S. bank account within a reasonable number of days (some lenders will be as quick as 2-3 business days). Now you need to set up your repayment method. You can choose an autopay method online to help you pay on time every month.


About Stilt

Stilt provides loans to international students and working professionals in the U.S. (F-1, OPT, H-1B, O-1, L-1, TN visa holders) at rates lower than any other lender. Stilt is committed to helping immigrants build a better financial future.

We take a holistic underwriting approach to determine your interest rates and make sure you get the lowest rate possible. 

Learn what others are saying about us on Google, Yelp, and Facebook or visit us at If you have any questions, send us an email at [email protected]