Fortunately, Geico doesn't have a complicated cancellation policy. The bottom line is that you'll need to call 800-841-1587 and speak directly to a representative, who will take your policy number and desired cancellation date to record the termination of the policy. You can cancel coverage immediately or at a future date. You'll be responsible for your car's premiums until the cancellation date, but not after.
If you paid premiums in advance after the cancellation date, you should receive a partial refund. This page is available in other languages. You pay for car insurance in advance, and since you didn't pay the premium and were out of the grace period, you technically didn't have insurance. No matter how hard you try, some relationships just don't work, including relationships with your car insurance company.
The other insurer may offer you a cheaper rate on car coverage, but your homeowner's insurance outside the package is much higher. Certain states allow insurers like Geico to charge you a reduced rate if you cancel in the middle of the term of your policy. When the interactive voice response system prompts you, say “cancel the insurance policy” and then “automatic” if you are going to cancel your car insurance policy. To cancel a Geico insurance policy, the policyholder must call Geico to speak directly with a customer service agent.
Many insurers accept cancellations through several channels, but Geico will only cancel your policy over the phone. By completing a Geico defensive driving course, drivers receive a discount of up to 5% or 10% on their Geico car insurance premium.