Did GEICO leave California?
No. GEICO is still licensed and selling in California: its companies wrote 10.87% of the state's private passenger auto premium in 2025, third among insurance groups. What changed is which GEICO company reports California commercial auto premium. Government Employees Insurance Company reported $27.0 million in 2019 and $0.8 million in 2023, then none in 2024 or 2025. GEICO General Insurance Company reported premium in its place, $35.2 million in 2025, though GEICO's own footnote still names Government Employees as a commercial auto underwriter. A GEICO commercial non-renewal in California ends a policy; it does not mean GEICO left the state.
Updated . Written by Andre Beukers, principal at Redoubt, a commercial insurance agency in Salt Lake City, not a government office.
Is GEICO still available in California?
Yes. The California Department of Insurance lists Government Employees Insurance Company, authorized in California since 1948, and GEICO General Insurance Company, authorized since 1978, each with a license status of "UNLIMITED-NORMAL" and automobile among its lines. A third company, GEICO Protection Insurance Company, was authorized on May 29, 2024, and wrote $468.7 million of California private passenger auto premium in 2025, its first year in the state's private passenger figures.
The department's 2025 market share data shows how much GEICO still writes. GEICO General alone wrote $4.75 billion of private passenger auto premium, 9.82% of the state total. The five GEICO companies in the Berkshire Hathaway group together wrote $5.26 billion, 10.87%, behind only the State Farm and Auto Club Enterprises groups.
GEICO still asks Californians for the business. Its California page says: "Visit our website, download our app, or call us at (800) 207-7847 to get started." Berkshire Hathaway's annual report for 2025 says the GEICO companies sell private passenger auto insurance "in all 50 states and the District of Columbia" and also sell insurance for commercial vehicles.
Did GEICO stop selling commercial auto insurance in California?
One GEICO company reports no California commercial auto premium after 2023. California's market share files count the premium each licensed insurer reports for the year. They show Government Employees Insurance Company writing $27.0 million of California commercial auto in 2019, then $19.5 million, $14.2 million, $3.5 million and $0.8 million in the four years after. In 2024 and 2025 it has no commercial auto row at all; the report leaves out companies that "had no written premium (reporting either zero premium or negative premium)." The figures do not say why, or whether policies were non-renewed, moved or simply not written.
GEICO General Insurance Company, which had no California commercial auto row from 2019 to 2022, reported $0.4 million in 2023, $15.1 million in 2024 and $35.2 million in 2025, 0.54% of the state's commercial auto premium and more than Government Employees reported in 2019. The rows show one company's premium falling away and another's rising; they do not show policies moving between them. GEICO's commercial page still says commercial auto "is underwritten by Government Employees Insurance Company," or provided through its agency, and that truck insurance "is underwritten by GEICO General Insurance"; it does not say which product the California premium is.
| Year | Government Employees Insurance Co | GEICO General Insurance Co |
|---|---|---|
| 2019 | $27.0 million (0.64%) | Not listed |
| 2020 | $19.5 million (0.45%) | Not listed |
| 2021 | $14.2 million (0.29%) | Not listed |
| 2022 | $3.5 million (0.07%) | Not listed |
| 2023 | $0.8 million (0.01%) | $0.4 million (0.01%) |
| 2024 | Not listed | $15.1 million (0.25%) |
| 2025 | Not listed | $35.2 million (0.54%) |
Does GEICO still have local agent offices in California?
Not that GEICO lists. Its agent finder lets you browse local GEICO agents by state, and the list goes from Arkansas straight to Colorado: 44 states and the District of Columbia, without California. The directory's California address, geico.com/insurance-agents/california/, answers with a permanent redirect to GEICO's home page, while the Utah and Nevada addresses load. Selling without local offices is still selling; the California page offers a quote online, in the app or by phone.
What should I do if GEICO non-renewed my commercial auto in California?
Start with the company name, because GEICO uses more than one. GEICO's commercial page says commercial auto "is underwritten by Government Employees Insurance Company, CA License 1348-2, or provided through GEICO Insurance Agency, LLC" with Berkshire Hathaway affiliates or non-affiliated insurers, and its business auto article says some coverage comes "under an arrangement with National Indemnity Company (NICO)." The insurer named on the letter, and on any offer that comes with it, tells you which of these you are dealing with.
Ask GEICO in writing which of those it is offering, if any, and get the new declarations page before you send a contractor or lender a certificate. Redoubt is an independent broker: "our loyalty is to you, not any single carrier."
Which insurance companies are leaving California?
The California pullbacks in these companies' own statements are home insurance. State Farm General Insurance Company, which State Farm calls its provider of homeowners insurance in California, stopped taking new applications, effective May 27, 2023, for "all business and personal lines property and casualty insurance," and said "This decision does not impact personal auto insurance." Allstate's annual report for 2025 says "We stopped writing new homeowners and condominium business in California in 2022."
Neither is a commercial auto exit. State Farm General has no row in the state's 2025 commercial auto data, while State Farm Mutual Automobile Insurance Company wrote $151.3 million of California commercial auto that year.
The commercial auto market as a whole has fewer insurers and more premium. In 2019, 255 licensed companies reported California commercial auto premium; in 2025, 231 did, while the premium they wrote rose from $4.20 billion to $6.47 billion. Those counts cover licensed insurers only.
Are insurance companies pulling out of Florida?
Some have, from home and condominium insurance. Allstate's same report says that in Florida "we stopped writing new condominium business in 2022 and new homeowners business in 2023." Florida's Office of Insurance Regulation lists insurers that went into receivership, starting with United Property & Casualty Insurance Company; for another, Southern Fidelity, it says policies other than flood "are cancelled effective 12:01 a.m. on July 15, 2022."
The office also lists new authorizations: its new entities report through September 30, 2026 lists nine companies licensed as property and casualty insurers between February 2 and September 18, 2026. Neither list says which lines a company writes; what decides a work vehicle's renewal is the insurer named on its own policy.
Are insurance companies pulling out of Texas?
We found none announced. Our check of the headlines on the Texas Department of Insurance's news release lists for 2024 through September 2026 found no release about an insurer leaving the state. Its September 2026 summary of what it heard from Texans says "The top challenges Texans said they’re facing are affordability and claims handling."
Texas is publishing data instead. In September 2026 TDI launched a ZIP code tool showing why home insurers decline, cancel or do not renew, and says it "plans to expand the resource later this year with auto insurance insights." Its rate filing search "lets you see if your home or auto insurance company filed a rate change with TDI."
Can I still buy GEICO car insurance in California by phone?
Yes. GEICO's California page lists (800) 207-7847 next to its website and app. What it does not list is a local California agent.
Did State Farm stop selling car insurance in California?
No. The 2023 pause applied to State Farm General, State Farm's home insurance company in California, and State Farm said it "does not impact personal auto insurance." State Farm's group wrote 13.83% of California private passenger auto premium in 2025, the most of any group.
Do these numbers say whether GEICO will quote my vans now?
No. Written premium shows what an insurer wrote last year. Whether GEICO General or anyone else will take your vehicles, drivers and garaging address this year is an underwriting answer that only a quote gives.
Do the California figures count every insurer?
No. The department labels its market share data "Licensed Companies Only" and heads its premium summary "LICENSED INSURERS," so premium written by an insurer that is not licensed in California is not in these figures.
Where these answers come from
Each entry carries the exact words of the source so you can check it yourself. Forms, rules and carrier pages change; read the current version before acting.
- 1. California Department of Insurance, Company Profile, Government Employees Insurance Company (NAIC 22063)
“Date Authorized in California: 1948-07-01 License Status: UNLIMITED-NORMAL”
interactive.web.insurance.ca.gov, accessed October 3, 2026. Fields of the profile, in printed order. Lines of business on the same profile include AUTOMOBILE. - 2. California Department of Insurance, Company Profile, GEICO General Insurance Company (NAIC 35882)
“Date Authorized in California: 1978-12-29 License Status: UNLIMITED-NORMAL”
interactive.web.insurance.ca.gov, accessed October 3, 2026. Fields of the profile, in printed order. Lines of business on the same profile include AUTOMOBILE. - 3. California Department of Insurance, Company Profile, GEICO Protection Insurance Company (NAIC 17511)
“Date Authorized in California: 2024-05-29 License Status: UNLIMITED-NORMAL”
interactive.web.insurance.ca.gov, accessed October 3, 2026. Fields of the profile, in printed order. Lines of business on the same profile include AUTOMOBILE. - 4. California Department of Insurance, 2025 P&C market share data, sheet PPA By Co Name, GEICO General row
“Geico Gen Ins Co - 35882 4,752,424,632 9.82% 5,063,927,571 3,827,041,565 75.57%”
insurance.ca.gov, accessed October 3, 2026. Workbook from the department's market share page; sheet named in the label ("Source: NAIC Database, Licensed Companies Only"). Cells in displayed order: name and code, written premium, market share, earned premium, losses incurred, loss ratio. - 5. California Department of Insurance, 2025 P&C market share data, sheet PPA By Co Name, GEICO Protection row
“GEICO Protection Ins Co - 17511 468,665,625 0.97% 54,821,051 41,054,461 74.89%”
insurance.ca.gov, accessed October 3, 2026. Workbook from the department's market share page; sheet named in the label ("Source: NAIC Database, Licensed Companies Only"). Cells in displayed order: name and code, written premium, market share, earned premium, losses incurred, loss ratio. The company has no private passenger row in the 2024 workbook. - 6. California Department of Insurance, 2025 P&C market share data, sheet PPA By Group Written Premium, Berkshire Hathaway row
“BERKSHIRE HATHAWAY GRP - 31 5,261,400,079 10.87% 5,192,089,709 3,829,894,306 73.76%”
insurance.ca.gov, accessed October 3, 2026. Workbook from the department's market share page; sheet named in the label ("Source: NAIC Database, Licensed Companies Only"). Cells in displayed order: name and code, written premium, market share, earned premium, losses incurred, loss ratio. The group's private passenger rows are five GEICO companies, which sum to this figure. Third on the sheet, after STATE FARM GRP - 176 at 13.83% and Auto Club Enterprises Ins Grp - 1318 at 11.74%. - 7. California Department of Insurance, 2025 P&C market share data, sheet PPA By Group Written Premium, State Farm row
“STATE FARM GRP - 176 6,692,734,680 13.83% 6,559,442,145 4,409,908,286 67.23%”
insurance.ca.gov, accessed October 3, 2026. Workbook from the department's market share page; sheet named in the label ("Source: NAIC Database, Licensed Companies Only"). Cells in displayed order: name and code, written premium, market share, earned premium, losses incurred, loss ratio. First on the sheet. - 8. GEICO, Auto Insurance Quotes in California
“Get a fast, free California car insurance quote from GEICO today! Visit our website, download our app, or call us at (800) 207-7847 to get started.”
geico.com, accessed October 3, 2026. A company's statement about its own product. https://www.geico.com/information/states/ca/ redirects here. - 9. Berkshire Hathaway Inc., Form 10-K for 2025, business description, GEICO
“The GEICO insurance subsidiaries’ principal business is the sale of private passenger automobile insurance to individuals in all 50 states and the District of Columbia. GEICO subsidiaries also sell insurance for motorcycles, all-terrain vehicles, recreational vehicles, boats and commercial vehicles”
sec.gov, accessed October 3, 2026. Filed with the SEC on March 2, 2026. The sentence continues "primarily through direct response methods". - 10. California Department of Insurance, 2019 P&C market share data, commercial auto by company, Government Employees row
“Government Employees Ins Co - 22063 27,021,896 0.64% 23,402,539 23,975,104 102.45%”
insurance.ca.gov, accessed October 3, 2026. Workbook from the department's market share page, sheet "CMA By Co Name" (commercial auto, lines 19.4 and 21.2 combined; "Source: NAIC Database, Licensed Companies Only"). Cells in displayed order: company and NAIC code, written premium, market share, earned premium, losses incurred, loss ratio. No GEICO General row on this sheet. - 11. California Department of Insurance, 2020 P&C market share data, commercial auto by company, Government Employees row
“Government Employees Ins Co - 22063 19,537,326 0.45% 23,931,452 19,815,974 82.80%”
insurance.ca.gov, accessed October 3, 2026. Workbook from the department's market share page, sheet "CMA By Co Name" (commercial auto, lines 19.4 and 21.2 combined; "Source: NAIC Database, Licensed Companies Only"). Cells in displayed order: company and NAIC code, written premium, market share, earned premium, losses incurred, loss ratio. No GEICO General row on this sheet. - 12. California Department of Insurance, 2021 P&C market share data, commercial auto by company, Government Employees row
“Government Employees Ins Co - 22063 14,187,542 0.29% 18,422,982 13,602,852 73.84%”
insurance.ca.gov, accessed October 3, 2026. Workbook from the department's market share page, sheet "CMA By Co Name" (commercial auto, lines 19.4 and 21.2 combined; "Source: NAIC Database, Licensed Companies Only"). Cells in displayed order: company and NAIC code, written premium, market share, earned premium, losses incurred, loss ratio. No GEICO General row on this sheet. - 13. California Department of Insurance, 2022 P&C market share data, commercial auto by company, Government Employees row
“Government Employees Ins Co - 22063 3,517,130 0.07% 9,960,197 9,484,392 95.22%”
insurance.ca.gov, accessed October 3, 2026. Workbook from the department's market share page, sheet "CMA By Co Name" (commercial auto, lines 19.4 and 21.2 combined; "Source: NAIC Database, Licensed Companies Only"). Cells in displayed order: company and NAIC code, written premium, market share, earned premium, losses incurred, loss ratio. No GEICO General row on this sheet. - 14. California Department of Insurance, 2023 P&C market share data, commercial auto by company, Government Employees row
“Government Employees Ins Co - 22063 834,207 0.01% 1,110,066 5,341,177 481.16%”
insurance.ca.gov, accessed October 3, 2026. Workbook from the department's market share page, sheet "CMA By Co Name" (commercial auto, lines 19.4 and 21.2 combined; "Source: NAIC Database, Licensed Companies Only"). Cells in displayed order: company and NAIC code, written premium, market share, earned premium, losses incurred, loss ratio. The same sheet has GEICO General's first commercial auto row in these files: "Geico Gen Ins Co - 35882 398,611 0.01% 23,742 8,445 35.57%". - 15. California Department of Insurance, 2024 P&C market share data (revised September 2025), commercial auto by company, GEICO General row
“Geico Gen Ins Co - 35882 15,102,819 0.25% 10,619,068 5,558,627 52.35%”
insurance.ca.gov, accessed October 3, 2026. Workbook from the department's market share page, sheet "CMA By Co Name" (commercial auto, lines 19.4 and 21.2 combined; "Source: NAIC Database, Licensed Companies Only"). Cells in displayed order: company and NAIC code, written premium, market share, earned premium, losses incurred, loss ratio. No Government Employees Ins Co row on this sheet. - 16. California Department of Insurance, 2025 P&C market share data, commercial auto by company, GEICO General row
“Geico Gen Ins Co - 35882 35,166,948 0.54% 29,005,125 19,825,709 68.35%”
insurance.ca.gov, accessed October 3, 2026. Workbook from the department's market share page, sheet "CMA By Co Name" (commercial auto, lines 19.4 and 21.2 combined; "Source: NAIC Database, Licensed Companies Only"). Cells in displayed order: company and NAIC code, written premium, market share, earned premium, losses incurred, loss ratio. No Government Employees Ins Co row on this sheet. - 17. California Department of Insurance, 2025 P&C market share data, commercial auto by company, State Farm Mutual row
“State Farm Mut Auto Ins Co - 25178 151,251,317 2.34% 157,305,772 178,146,626 113.25%”
insurance.ca.gov, accessed October 3, 2026. Workbook from the department's market share page, sheet "CMA By Co Name" (commercial auto, lines 19.4 and 21.2 combined; "Source: NAIC Database, Licensed Companies Only"). Cells in displayed order: company and NAIC code, written premium, market share, earned premium, losses incurred, loss ratio. The only other State Farm row is State Farm Fire & Cas Co - 25143 (43,245,135); State Farm General has none. - 18. California Department of Insurance, Market Share Report for Calendar Year 2025, preface
“As always, companies that had no written premium (reporting either zero premium or negative premium) have been excluded.”
insurance.ca.gov, accessed October 3, 2026 - 19. California Department of Insurance, 2025 California P&C Premium and Loss Summary, licensed insurers, 2025 page
“19.4 + 21.2 Combined Comm. Auto Liab. & P.D. 231 6,468,429,595 6,305,537,856 4,768,791,249 75.63 %”
insurance.ca.gov, accessed October 3, 2026. One row of the table, spaces collapsed. Columns: line, line name, company count, premium written, premium earned, losses incurred, loss ratio. Each page is headed "LICENSED INSURERS". - 20. California Department of Insurance, 2025 California P&C Premium and Loss Summary, licensed insurers, 2019 page
“19.4 + 21.2 Combined Comm. Auto Liab. & P.D. 255 4,201,760,648 4,093,230,810 3,056,468,559 74.67 %”
insurance.ca.gov, accessed October 3, 2026. One row of the table, spaces collapsed. Columns: line, line name, company count, premium written, premium earned, losses incurred, loss ratio. Each page is headed "LICENSED INSURERS". The 2025 report reprints each year's summary back to 1991; this row is on the page headed "2019 CALIFORNIA P&C PREMIUM AND LOSS SUMMARY". - 21. GEICO, Commercial Auto Insurance, underwriting footnote
“Commercial auto insurance is underwritten by Government Employees Insurance Company, CA License 1348-2, or provided through GEICO Insurance Agency, LLC, CA License OB29354, through Berkshire Hathaway affiliates or non-affiliated insurers. Truck Insurance is underwritten by GEICO General Insurance (in Texas, underwritten by GEICO County Mutual Insurance Company).”
geico.com, accessed October 3, 2026. A company's statement about its own product. The footnote is in the page's embedded page data as served (curl finds it in the HTML source), not in the static text above the fold. - 22. GEICO, What is commercial auto insurance for businesses?, underwriting disclosure
“Coverage is underwritten by Government Employees Insurance Company. In some cases coverage is provided through the GEICO Insurance Agency, LLC, either under an arrangement with National Indemnity Company (NICO), a Berkshire Hathaway affiliate, or with non-affiliated insurers.”
geico.com, accessed October 3, 2026. https://www.geico.com/information/aboutinsurance/commercial/ redirects here. - 23. GEICO, Find a GEICO Insurance Agent, browse by state
“Arizona Insurance Agents Arkansas Insurance Agents Colorado Insurance Agents Connecticut Insurance Agents”
geico.com, accessed October 3, 2026. Four consecutive entries of the state list, which has 45 entries (44 states and the District of Columbia) and no California. On 2026-10-03 https://www.geico.com/insurance-agents/california/ returned HTTP 301 to https://www.geico.com/, while /insurance-agents/utah/ and /insurance-agents/nevada/ returned 200. - 24. State Farm Newsroom, State Farm General Insurance Company: California New Business Update, May 26, 2023
“State Farm General Insurance Company®, State Farm’s provider of homeowners insurance in California, will cease accepting new applications including all business and personal lines property and casualty insurance, effective May 27, 2023. This decision does not impact personal auto insurance.”
newsroom.statefarm.com, accessed October 3, 2026. A company's statement about its own business. The release adds "We will continue to evaluate our approach based on changing market conditions." - 25. The Allstate Corporation, Form 10-K for 2025, catastrophe management
“We stopped writing new homeowners and condominium business in California in 2022. In Florida, we stopped writing new condominium business in 2022 and new homeowners business in 2023.”
sec.gov, accessed October 3, 2026. Filed with the SEC on February 20, 2026. A company's statement about its own business. - 26. Florida Office of Insurance Regulation, Recent Company Actions, Southern Fidelity Insurance Company
“Under the Receivership Order, all insurance policies, except for flood policies, issued by Southern Fidelity Insurance Company in effect at the time of the issuance of the Order are cancelled effective 12:01 a.m. on July 15, 2022.”
floir.gov, accessed October 3, 2026. The list opens with "United Property & Casualty Insurance Company Consent to Receivership". - 27. Florida Office of Insurance Regulation, New Entities Report as of Sep 30, 2026
“SENTRY DIRECT INSURANCE COMPANY PROPERTY AND CASUALTY INSURER FOREIGN 09/18/26”
floir.gov, accessed October 3, 2026. One row of the table, spaces collapsed: company, authority category, domicile, date. The report lists nine rows with the category PROPERTY AND CASUALTY INSURER, dated 02/02/26 to 09/18/26. - 28. Texas Department of Insurance, TDI hears from Texans on top insurance concerns, September 10, 2026
“The top challenges Texans said they’re facing are affordability and claims handling.”
tdi.texas.gov, accessed October 3, 2026. Headline-level check of the TDI news release indexes for 2024, 2025 and 2026 (through September 29, 2026), https://www.tdi.texas.gov/news/<year>/index.html; no headline is about an insurer leaving Texas. Release bodies other than the three cited were not read. - 29. Texas Department of Insurance, TDI launches new transparency tool, September 23, 2026
“TDI will update the page at least quarterly and plans to expand the resource later this year with auto insurance insights.”
tdi.texas.gov, accessed October 3, 2026 - 30. Texas Department of Insurance, TDI prioritizes transparency by making home and auto data public, June 22, 2026
“The Search home and auto insurance rate filings page lets you see if your home or auto insurance company filed a rate change with TDI.”
tdi.texas.gov, accessed October 3, 2026 - 31. Redoubt, Commercial trucking insurance page
“As an independent broker, our loyalty is to you, not any single carrier. We represent your interests at every step.”
www.redoubt.insure, accessed October 3, 2026
The carrier non-renewed the commercial auto policy and a replacement is due
Non-renewal notices, carriers leaving a state, and which companies still write commercial auto.
Elsewhere on the site
Got a GEICO non-renewal on your work vehicles?
Text Redoubt the letter, your declarations page and the date coverage ends. We will go through who is ending the policy, whether anything is being offered in its place, and which markets to ask next.
This is general insurance information, not legal advice or a coverage determination. The policy forms, the endorsements the carrier issues, and the requirement in writing from whoever is asking control.