Based on GEICO’s insurance filings dated January 1 to March 3, 2026, the company appears focused on a renewed product expansion strategy, with a clear push into motorcycle and RV coverage across multiple states.
Motorcycles
GEICO is expanding motorcycle insurance in 12 states: Alabama, Delaware, Florida, Georgia, Idaho, Kansas, Kentucky, Louisiana, Maryland, Massachusetts, Tennessee, and Utah. The filings are being made through core underwriting entities including GEICO General Insurance Company, GEICO Indemnity Company, and GEICO Advantage Insurance Company, often paired with GEICO Marine Insurance Company.
Tennessee stands out as the most comprehensive submission. In that state, GEICO disclosed it is introducing a new voluntary motorcycle insurance product. The program is new business only and will not initially be available to existing policyholders. The product extends beyond standard motorcycles and includes ATVs and golf carts, based on the rating and rule structures outlined in the filing.
Across all states, effective dates for new business vary by company, ranging from as early as last month to as late as July 2026.
RVs
GEICO also filed new RV insurance programs in eight states: Texas, Utah, Nebraska, Florida, Ohio, Maryland, Delaware, and Indiana.
The filings are spread across six underwriting entities, including GEICO Texas County Mutual Insurance Company, GEICO Casualty Company, GEICO General Insurance Company, GEICO Indemnity Company, GEICO Secure Insurance Company, and Government Employees Insurance Company. In several states, the filings pair core GEICO carriers with GEICO Marine Insurance Company, depending on the structure used.
Ohio represents the most robust submission, with an effective date running as late as this month.
The program introduces a new voluntary RV product offering three coverage categories: motorhomes, travel trailers, and utility trailers. It is new business only, targeting new customers rather than converting existing auto policyholders. The filing reflects zero rate impact, indicating a neutral pricing strategy aimed at market entry rather than immediate premium growth.
The Ohio filing also provides insight into a distribution-based rating distinction, noting that a factor will be applied to reflect differing costs within the agency channel. Specifically, non-servicing agents sell company policies but do not provide post-sale customer service, resulting in a separate cost treatment.
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When it comes to auto insurance, the states that stand out are Maryland, Texas, and Florida.
In Florida, where GEICO has a book of more than $772 million in premium, the company is implementing a 6% rate decrease.
In Maryland, GEICO requested a 5.1% increase in a filing that would have impacted 122,542 policyholders, but that filing has since been withdrawn.
In Texas, GEICO is seeking an 8.9% rate increase that, if approved, could affect 351,052 policyholders and more than $1.1 billion in premium.