Independent profile — not affiliated with GEICO
GEICO
GEICO is the consumer brand of Government Employees Insurance Company and affiliated GEICO insurers, a Berkshire Hathaway subsidiary. This page lists GEICO's own claim, cancellation and payment channels, the state insurance department route, and documented regulator orders from New York, Oregon, Texas and Pennsylvania, BBB and Trustpilot figures as displayed on October 14, 2026, and a pending class settlement.
Complaints & Reviews on USAComplaints
USAComplaints currently maintains 323 historical complaints about GEICO, published between 2000 and 2014. No approved complaints have been published on this site during the last three years. For a current reputation snapshot, see the independent sources below.
- Policy cancelled citing husband's DUI from 1.5 years earlier
- Claim stalled two months while waiting on other insurer
- On hold for 34 minutes with no callback option
- Car storage fees not explained after second break-in repair
- Claim adjuster accused me of inventing hit and run story
- Merged motorcycle policies lost coverage options, claim denied
- Property claim valued with random website prices, month-long delay
- Billed for Florida hurricane disaster fund, believed a scam
- Towing expense reimbursement never received despite receipt
- Mechanical breakdown claim denied, asked for three years of receipts
- Claim refused unless double deductible accepted after vehicle burglary
- Unwanted driver added to policy, premium quadrupled over quote
- Total loss payout too low after hurricane Sandy flood damage
- Rental coverage denied for mechanical breakdown while stranded
- Took $241 after cancellation and caused overdraft fee
- Totaled 2001 Mitsubishi settlement too low to buy replacement
- Claim denied after rear-end accident, adjuster unresponsive
- Still waiting six months for rental car reimbursement after rear-end collision
- Mercedes declared total loss after hurricane Sandy, claim now investigated
- Quoted full coverage but collision and rental not covered after crash
Complaint Themes
Independent Sources
Shown for context — not merged with USAComplaints' own numbers.
Contacts
- Official website: https://www.geico.com/
- Main phone shown on Claims Center and At a Glance pages: (800) 841-3000 40 complaints mention this number
- Cancel an auto policy (per GEICO cancellation FAQ): (800) 841-1587
- Pay a bill by phone (automated system, per FAQ): (800) 932-8872 4 complaints mention this number
- Claims Center (report or track a claim): https://www.geico.com/claims/
- Contact Us page: https://www.geico.com/contact-us/
Locations
| Type | Address |
|---|---|
| Headquarters | 7272 Wisconsin Avenue Bethesda MD 20814 |
| Mailing address | PO Box 9523 Fredericksburg VA 22403 |
GEICO claims, cancellations and complaints: what GEICO's own pages say (checked October 14, 2026)
GEICO's own pages, opened on October 14, 2026, give the routes below. Policy terms, deadlines and rules differ by state and policy; your policy documents and notices govern, and state insurance law applies to claims, cancellations and rates. The policy itself is issued by one of several GEICO insurance companies named on your declarations page (see the company background section).
Report or track a claim. The Claims Center page describes four steps ("Report the Incident," "Photos and documents," "Schedule with a repair shop" and "Track your claim from start to finish") and says "Not all claims require repairs or a physical inspection." It also says "Still need help? Give us a call at (800)-841-3000." The FAQ page says "Reporting a claim is fast and easy online as well as in the GEICO mobile app" and describes GEICO Claims Express as giving "fast and secure access to your auto, cycle, or RV claim."
Cancel a policy. GEICO's cancellation page says: "Call (800) 841-1587 to speak with a friendly, licensed agent. If prompted to speak to the Interactive Voice Response (IVR), say "cancel insurance policy" and then "auto." You may be asked to say your GEICO policy number, so please have that ready." The page says there is no cancellation fee and that "North Carolina policies may be subject to a Short Rate premium calculation upon cancellation." If you are switching insurers, start the new coverage first and keep written confirmation of the cancellation date.
Pay a bill. The FAQ page lists several payment channels: automatic payments from a bank account, debit or credit card; "Online Payments" using a check, debit card, credit card or Apple Pay; "The GEICO Mobile app: Make a payment right from your mobile device"; phone pay, where it says "Call (800) 932-8872 and use our automated system to pay your bill"; and a bank bill-pay service. For payments on a cancellation notice it says the payment "must be postmarked on or before the cancellation date printed on the cancellation notice."
If the company does not resolve it. The NAIC's state insurance department directory says: "Having a problem with an insurance company or agent? Find your state insurance department and file a complaint." Regulators handle disputes about claim handling, cancellations and non-renewals, and rates under state insurance law. Examples of state action are in the next section. Keep claim numbers, dates, letters and the names of representatives you spoke with, and file with the department of the state whose law governs your policy.
Regulator orders and agreements involving GEICO companies
Each item below states what the cited primary document says. An order or agreement is not a finding of wrongdoing beyond the terms it states, and the sources checked on October 14, 2026 are not a complete list of every state action.
New York (DFS and Attorney General), November 25, 2024. The DFS press release says "GEICO will pay $9,750,000 in penalties, of which OAG secured $4,750,000 and DFS secured $5 million," and that "Starting in November 2020, GEICO experienced a series of cyberattacks on its auto insurance quoting tools." It says the personal information of "approximately 116,000 New York residents" was exposed, and that GEICO agreed to remedial measures including "a comprehensive cybersecurity risk assessment and penetration testing." The press release does not include a GEICO statement admitting wrongdoing; the consent orders it links to were not opened for this page.
New York DFS, consent order approved August 10, 2023. DFS's disciplinary-actions list of October 16, 2023 records a $40,000 fine against Government Employees Insurance Company and GEICO General Insurance Company because, for January 1, 2015 to December 31, 2018, they "failed to send notice of their intention not to renew a policy to personal auto policyholders pursuant to Insurance Law Section 3425(d)(1)."
Oregon DFR, final consent order, August 13, 2024 (INS-23-0063). Eight GEICO companies consented to a cease-and-desist order and civil penalties of $672,200, of which $403,320 was suspended on conditions for three years. The order says that in total-loss claims from 2020 to 2022 the group did not provide the required Oregon total loss notice in 901 claims and did not include all applicable taxes and fees in 5,821 claims; it states $539,031.11 was underpaid and that restitution with interest was made during the investigation.
Texas Department of Insurance, order 2025-9142 (February 20, 2025). A consent order with GEICO Texas County Mutual Insurance Company says GEICO self-reported that it incorrectly rated some personal auto policies by assigning a premium consequence to a zero-dollar claim, that it "represents that the error affected more than 80,000 policies," and that policyholders would be paid "more than $18 million in restitution, including interest." The order finds violations of Texas Insurance Code sections 1953.051(b) and 2251.101 and requires restitution with 5 percent annual interest.
Texas Department of Insurance, order 2026-10017 (July 8, 2026). A consent order with eight GEICO companies says rate filings contained errors in VIN symbol tables that affected certain personal auto policies processed between February 8, 2024 and November 18, 2025, "over 13,000 Texas policyholders," with GEICO representing the error affected less than 1.1% of active policyholders, and that the error caused both overcharges and undercharges. The companies were ordered to pay an administrative penalty of $30,000 jointly and severally and restitution with interest, mailed on or before November 30, 2026.
Pennsylvania Attorney General, agreement announced May 22, 2026. The AG's office says the agreement arose from a complaint by a new policyholder whose policy was cancelled after GEICO's 60-day review, that GEICO used "a tool with artificial intelligence features" to select her for review, and that GEICO agreed to add a week to the document-submission period, accept one form of residency verification and train representatives. The release says "A settlement agreement shall not be considered an admission of violation of the law."
Delaware Department of Insurance, market conduct examination report (published August 2025). The report on seven GEICO companies for private passenger auto, as of December 31, 2023, lists exceptions in complaint handling, underwriting and rating, and claims and recommends additional training and notice revisions. Within the text read, two claimants who had been denied payment received restitution when the matter was brought to the companies' attention; no monetary penalty was identified in the text read.
Who is GEICO? Companies and scale
GEICO is the consumer name of a group of insurance companies. GEICO's legal page says GEICO is a service mark of Government Employees Insurance Company, Washington, D.C. 20076, and a Berkshire Hathaway Inc. subsidiary. The company's At a Glance page (information current as of April 2026) says it was founded in 1936, became a wholly owned subsidiary of Berkshire Hathaway in 1996, employs "more than 29,000 associates" and is the "Third-largest private passenger auto insurer in the United States (A.M. Best)." Those are company statements.
Which company issued my policy? The Texas order of July 8, 2026 names eight companies as affiliated, commonly-owned entities writing personal auto in Texas: GEICO Indemnity Company, GEICO General Insurance Company, Government Employees Insurance Company, GEICO Advantage Insurance Company, GEICO Choice Insurance Company, GEICO Secure Insurance Company, GEICO County Mutual Insurance Company and GEICO Texas County Mutual Insurance Company. The Oregon order also names GEICO Casualty Company. The declarations page of your policy states which one is your insurer.
Addresses. The company's At a Glance page gives a headquarters address of 7272 Wisconsin Avenue, Bethesda, MD 20814 and a mailing address of PO Box 9523, Fredericksburg, VA 22403. Regulator documents list other GEICO addresses (for example Washington, D.C. 20076 in the Oregon order and Chevy Chase, MD in the Delaware report), so the address on your own policy notices is the one to use.
Complaint record: BBB, Trustpilot and this site's archive (as displayed October 14, 2026)
Counts below are as displayed on October 14, 2026 and are kept separate; they are different sources with different methods and are not added together.
BBB. The BBB profile for Geico, Chevy Chase, MD shows "BBB Rating A+" and states the business is not BBB Accredited. The complaints tab shows "2,618 total complaints in the last 3 years" and "687 complaints filed in the last 12 months"; the reviews tab shows "1.11 /5 stars Average of 1,151 Customer Reviews." BBB notes that displayed complaint text may not represent all complaints. BBB's raw page data lists businessStart 1939-01-19, incorporated 1978-11-29 and bbbFileOpened 1987-06-01. BBB's government-action notice on the profile describes the May 22, 2026 Pennsylvania Attorney General agreement.
Trustpilot. The Trustpilot page for GEICO (www.geico.com) shows 1,480 reviews with a score of 1.3 and an "Unclaimed profile" label. Trustpilot says it does not fact-check reviews.
This site's archive. usacomplaints.com has 323 approved complaints in its own archive that name GEICO or Government Employees Insurance Company as the business, dated 2000 to 2014. They are consumers' unverified accounts, and most are many years old. A keyword scan of those posts (a post can match several topics) found: claim denied, delayed or described as underpaid, 88; rates, premium or quote disputes, 101; billing, unauthorized charges or refunds, 64; cancellation, non-renewal or dropped coverage, 62; employment-related accounts, 16. These counts do not describe how often such events happen at the company.
Lawsuits and settlements
Court matters are listed with the status shown on the docket or settlement website on October 14, 2026; allegations are not findings. Items that were not confirmed against a primary court document are labelled as press reports.
Kohama v. Government Employees Insurance Company (D. Md., 8:24-cv-00743-TDC). The settlement website says GEICO "has agreed to pay a maximum of One Million Six Hundred and Fifty Thousand Dollars ($1,650,000)" for a class of persons who filed disputes through LexisNexis Risk Solutions between March 13, 2022 and May 1, 2026, with eight further criteria listed on the site. It says the payment is expected to be about $150, no claim form is mentioned, the opt-out deadline is October 20, 2026, the objection deadline is October 31, 2026 and the final approval hearing is January 14, 2027. The docket shows an order granting preliminary approval signed July 6, 2026 (entered July 7, 2026). The site says "GEICO denied and continues to deny the allegations against it."
Nichols v. GEICO General Insurance Company (W.D. Wash., 2:18-cv-01253-TL). The class concerns Washington policies effective between July 24, 2012 and "the present" (as the order words it) for which GEICO General Insurance Company "limited or terminated benefits, or denied coverage based, even in part, upon its determination that its insured or beneficiary had reached ‘maximum medical improvement’." The order on final approval, entered after a hearing on July 15, 2026, grants final approval, refers to a gross settlement fund of $2,600,000, states that zero objections and zero exclusion requests were received, directs the parties to proceed with settlement payment and dismisses the action in its entirety with prejudice. The text read is the Justia copy of Filing 229.
Savage and Tow v. GEICO Indemnity Company (Georgia, case no. SUCV2024000382). The settlement website says the class representatives allege that GEICO Indemnity Company breached its contracts by not fully compensating Georgia policyholders for License Plate Registration Transfer Fees ("$5") in first-party total loss claims between September 16, 2019 and August 8, 2024, and that the insurers "denied and continue to deny the allegations." The site lists the claim, opt-out and objection deadlines (August 6 and July 22, 2026) as passed and a fairness hearing on September 9, 2026 as "Passed"; it did not state on October 14, 2026 whether final approval had been entered.
Willis, Benvenutti and related cases (M.D. Ga., 5:23-cv-430; 5:22-cv-182; 5:23-cv-414). A May 30, 2024 order in Willis describes plaintiffs' allegations that GEICO call-center employees in Macon, Georgia were not paid under the Fair Labor Standards Act for time outside the Finesse program, such as login steps and tasks after logging out; these are allegations. A Law360 article of January 26, 2026 reports that GEICO "will pay $900,000 to settle several suits" after a Georgia federal judge gave final approval; the court order approving that settlement was not opened for this page.
Is GEICO Legitimate?
GEICO's own site names Government Employees Insurance Company as the owner of the GEICO service mark and a Berkshire Hathaway subsidiary, publishes a claims centre and a cancellation procedure, and is named as a licensed insurer in the regulator orders cited above (Texas, Oregon, New York, Delaware). The same regulators and the Pennsylvania Attorney General have issued orders or agreements involving GEICO companies on cybersecurity, rate-filing errors, total-loss payments, non-renewal notices and cancellation procedures, with the terms stated in the regulator-actions section. BBB displays an A+ rating alongside 1.11 out of 5 from its customer reviews, and Trustpilot shows 1.3 from 1,480 reviews; these are different measures from different sources. If a policy or claim concern remains, the state insurance department route above is available.
Court & Public Records
| Case | Authority | Dates | Type | Outcome | Source |
|---|---|---|---|---|---|
| Kohama v. Government Employees Insurance Company Docket 8:24-cv-00743-TDC | U.S. District Court for the District of Maryland | Filed | Filed — no final outcome recorded Class action in which the parties reached a class settlement concerning disputes filed through LexisNexis Risk Solutions; the settlement website says GEICO "has agreed to pay a maximum of One Million Six Hundred and Fifty Thousand Dollars ($1,650,000)"; class members are those who filed disputes through LexisNexis between March 13, 2022 and May 1, 2026 and meet further listed criteria; the expected payment is about $150; opt-out deadline October 20, 2026; objection deadline October 31, 2026; final approval hearing January 14, 2027. The docket shows an order granting preliminary approval signed July 6, 2026. The site says "GEICO denied and continues to deny the allegations against it." Final approval has not been entered as of October 14, 2026. | Source | |
| Nichols v. GEICO General Insurance Company Docket 2:18-cv-01253-TL | U.S. District Court for the Western District of Washington | — | Settled | Settled Class action concerning Washington personal auto policies and benefits limited, terminated or denied based in part on a maximum-medical-improvement determination. The court's order on final approval grants final approval of the class settlement (gross settlement fund of $2,600,000 stated in the order), reports zero objections and zero exclusion requests, and dismisses the action in its entirety with prejudice; the court reserved jurisdiction over administration and enforcement of the settlement. | Source |
Company Relationships
- Owned by: Berkshire Hathaway Inc.
- Affiliated with: GEICO General Insurance Company
- Affiliated with: GEICO Indemnity Company
- Affiliated with: GEICO Casualty Company
Frequently Asked Questions
How do I file or track a GEICO claim?
GEICO's Claims Center page describes reporting the incident, uploading photos and documents, and scheduling with a repair shop, and lists (800)-841-3000 for further help. The FAQ page says claims can be reported online or in the GEICO mobile app and that GEICO Claims Express gives access to auto, cycle or RV claims.
How do I cancel a GEICO policy?
GEICO's cancellation page says to call (800) 841-1587, say "cancel insurance policy" and then "auto" if prompted by the automated system, and have the policy number ready. It says there is no cancellation fee, and that North Carolina policies may be subject to a Short Rate premium calculation. Keep written confirmation of the cancellation date, especially when switching insurers.
How do I complain about GEICO to a regulator?
The NAIC directory says to find your state insurance department and file a complaint there. Complaints about claim handling, cancellations, non-renewals and rates are generally state insurance matters. In May 2026 the Pennsylvania Attorney General's office announced an agreement with GEICO that began with one consumer's complaint about a cancellation.
Which GEICO company issued my policy?
GEICO is a service mark of Government Employees Insurance Company, and the group includes several licensed insurers, such as GEICO Indemnity Company, GEICO General Insurance Company, GEICO Casualty Company and others named in the Texas and Oregon orders. The declarations page of the policy names the issuing insurer.
What did New York regulators say about GEICO's data incidents?
The New York DFS press release of November 25, 2024 says GEICO will pay $9,750,000 in penalties, that attacks on its auto-insurance quoting tools began in November 2020, and that about 116,000 New York residents' information was exposed. GEICO also agreed to remedial measures including a cybersecurity risk assessment and penetration testing.
What were the Texas GEICO orders about?
Texas Commissioner's Order 2025-9142 (February 20, 2025) concerned zero-dollar claims being used in rating and says GEICO represented more than 80,000 policies and more than $18 million in restitution. Order 2026-10017 (July 8, 2026) concerned VIN symbol table errors affecting over 13,000 policyholders, with a $30,000 penalty and restitution with interest.
Is there a GEICO class action settlement affecting me?
The Kohama settlement website says GEICO agreed to pay a maximum of $1,650,000 to a class of people who filed disputes through LexisNexis Risk Solutions between March 13, 2022 and May 1, 2026. The stated opt-out deadline is October 20, 2026, the objection deadline is October 31, 2026 and the final approval hearing is January 14, 2027. Class members who do not opt out are paid without a claim form according to the site; the Notice ID on your notice is used on the website. Other GEICO class matters, including the Washington Nichols settlement (final approval order of July 15, 2026) and the Georgia Savage total-loss settlement, are described in the lawsuits section.
What do BBB and Trustpilot show for GEICO?
On October 14, 2026 the BBB profile displayed an A+ rating and a not-accredited statement, 2,618 complaints in the last 3 years, 687 in the last 12 months, and 1.11 out of 5 from an average of 1,151 customer reviews. Trustpilot shows 1.3 from 1,480 reviews on an unclaimed profile. BBB and Trustpilot are separate sources and are not combined here.
What does this site's GEICO archive contain?
323 approved complaint posts dated 2000 to 2014 name GEICO or Government Employees Insurance Company. They are unverified consumer accounts, including accounts about claims, rates, billing and cancellations, and they predate the 2023 to 2026 regulator actions listed above.