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A Florida driver says GEICO added complete strangers to her car insurance policy and jacked up premiums as a result.
By
Rachael Green
published
27 February 2026
in News
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In January, a Florida resident filed a class action lawsuit alleging that GEICO added two strangers to her car insurance policy as named drivers without her consent. The additions increased her premiums as a result.
The complaint filed last month alleges that many other drivers nationwide have experienced the same thing with GEICO and is now seeking refunds for all customers impacted by this practice.
For GEICO's part, the insurance company argues that it acted in full compliance with the terms of its car insurance policies. So, what exactly happened and how can you avoid ending up in a similar situation? Here's what we know so far.
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Sign upWhat is the GEICO class action lawsuit about?
According to the complaint filed on January 28, GEICO used a third-party source to match licensed or permitted drivers to addresses. Based on that data, GEICO sent an email to the policyholder stating that another driver was associated with her home address. The email gave her 15 days to respond and noted that if there was no response, the driver would be added to her policy.
The email read, in part, “If this person is insured elsewhere and should not be listed on your policy, please contact us at the number below with the name of the insurer and the policy number.”
The problem? The policyholder says she had no idea who the person was. GEICO was effectively asking her to provide insurance information for someone she did not know.
In December of that same year, the same thing happened again, with another unknown driver added to her policy. In both cases, her premiums increased as a result of the added drivers.
According to the complaint, the policy does not allow GEICO to add unknown drivers to a customer’s car insurance policy and does not include any provision stating that silence — meaning a lack of response to the emails — can be treated as consent.
Get practical help to make better financial decisions in your everyday life, from spending to savings on top deals. Subscribe to Kiplinger's free newsletter, A Step Ahead.
In a motion to dismiss filed in 2025 related to an earlier version of the case, GEICO argued that it followed standard practice and did not breach any specific provision of its policy. The policyholder did not respond to either email within the 15-day window and continued paying the higher premiums.
However, as the complaint notes, because car insurance is required in every state, canceling coverage immediately after a rate increase may not be a practical option.
Because the case is still in its early stages, it’s unclear who will ultimately be included in the class action lawsuit or how much any potential payout might be if the court rules in the plaintiff’s favor. The legal team is seeking to expand the case nationwide, alleging that similar issues have affected customers outside of Florida.
If you’ve experienced a similar situation, you may want to monitor the case or consult an attorney to better understand your legal options.
What can you do to avoid this situation?
Something similar happened to me with a different insurance company a few years ago. The company found my siblings' information and sent me a notice that they would be added to my policy unless I could prove that they didn't live at my address.
While they weren't strangers as they are in this case, my siblings live in different states and already have their own car insurance. Still, the burden of proof was on me if I didn't want to pay extra to cover drivers who did not live at my address.
So, what's your best course of action to avoid ending up in a similar situation? Here are a few tips:
- Check your insurance policy regularly to make sure the details, including the drivers listed, are accurate. This is one of many reasons an annual insurance review is so important.
- If you receive a notice stating that additional drivers are associated with your address, contact your insurance provider directly using the phone number or website listed on your policy. Even if you don’t have documentation yet, ask what information would be required to resolve the issue.
- If you know the drivers, reach out to them and ask for the information or documents requested by your insurance.
- If you don’t recognize the drivers, contact your insurer and ask what proof is needed to remove them.
- Even if you never receive a notice like this, it’s important to keep an eye on your monthly spending. If your car insurance is set up on autopay, you could miss a premium increase because the payment is automatically deducted.
Whether the Florida courts determine that GEICO breached its contract or not, you certainly shouldn't be paying extra to cover drivers you don't know. But the outcome of this lawsuit could determine whether or not it's your responsibility to make sure the drivers listed on your policy are correct.
In the meantime, consider shopping for new car insurance after resolving the issue or before your next renewal. Comparing quotes can help ensure you’re not overpaying, especially if your premium increased unexpectedly. If you decide to switch, you can provide feedback to the insurance company that did this, explaining precisely why they lost your business.
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Rachael GreenSocial Links NavigationPersonal finance eCommerce writerRachael Green is a personal finance eCommerce writer specializing in insurance, travel, and credit cards. Before joining Kiplinger in 2025, she wrote blogs and whitepapers for financial advisors and reported on everything from the latest business news and investing trends to the best shopping deals. Her bylines have appeared in Benzinga, CBS News, Travel + Leisure, Bustle, and numerous other publications. A former digital nomad, Rachael lived in Lund, Vienna, and New York before settling down in Atlanta. She’s eager to share her tips for finding the best travel deals and navigating the logistics of managing money while living abroad. When she’s not researching the latest insurance trends or sharing the best credit card reward hacks, Rachael can be found traveling or working in her garden.
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