GEICO is updating two Florida auto insurance programs to accept applicants with suspended or revoked licenses, adding a 30% rating surcharge when the suspension or revocation stems from moving violations.

The changes apply to GEICO Advantage Insurance Company and GEICO Marine Insurance Company. Both are revising their private passenger auto eligibility rules and introducing a license-status rating factor.

The factor applies across liability, personal injury protection, uninsured motorist, comprehensive and collision coverages. GEICO based it on a suspended-license surcharge previously approved for Direct General and said it would reassess the factor as credible data becomes available.

GEICO describes the revision as premium neutral overall, although individual policyholders may see a pricing impact.

The filing lists effective dates of November 12, 2026, for new business and January 17, 2027, for renewals. It was submitted on a use-and-file basis.