Relocating to a new home is stressful enough without worrying about your car insurance. But if you’ve recently moved and missed a payment, leading to a lapse in your GEICO coverage, don’t panic. Reinstating your policy is manageable if you act quickly and follow the right steps.

Why GEICO Policies Lapse After a Move

Common Causes of Lapse

A lapse in coverage often happens when:
- Missed Payments: Moving can disrupt your usual payment routines.
- Address Updates: Failing to notify GEICO of your new address may delay billing statements.
- Policy Misalignment: Your new location might require different coverage limits.

The Risks of Driving Without Insurance

Driving uninsured is illegal in most states and can lead to:
- Fines or license suspension
- Higher premiums when reinstating
- Financial liability in accidents

Steps to Reinstate Your GEICO Policy

1. Contact GEICO Immediately

Call GEICO’s customer service or log into your online account to explain the situation. The sooner you act, the easier reinstatement will be.

2. Pay Any Outstanding Balances

If your policy lapsed due to non-payment, you’ll need to settle the overdue amount. GEICO may also require a reinstatement fee.

3. Update Your Address

Ensure your new address is on file to avoid future billing issues. Some states require policy adjustments based on location (e.g., urban vs. rural risk factors).

4. Verify Coverage Requirements

Certain states mandate higher liability limits. Confirm that your policy meets your new state’s minimums.

5. Consider a New Policy if Necessary

If reinstatement isn’t possible, GEICO may help you start a fresh policy—though rates could be higher due to the lapse.

How Moving Affects Your Insurance Rates

Factors That Influence Premium Changes

• Crime Rates: Urban areas often have higher premiums due to theft and accident risks.
• Weather Risks: Coastal states may charge more for comprehensive coverage.
• Traffic Density: Busier regions increase collision likelihood.

Ways to Offset Higher Costs

• Bundle Policies: Combine auto and renters/home insurance for discounts.
• Increase Deductibles: Lower monthly payments by raising out-of-pocket costs.
• Ask About Discounts: Safe driver programs or low-mileage incentives can help.

Preventing Future Lapses

Automate Payments

Set up autopay to avoid missed deadlines.

Monitor Policy Alerts

Enable email/text notifications for billing reminders.

Review Coverage Annually

Adjust your policy as life circumstances change.

By staying proactive, you can reinstate GEICO smoothly and keep your coverage uninterrupted—no matter where life takes you.