The commercial is about a guy who has not called Geico to get insurance for his boat – a fact that gets rubbed into his face by the neighborhood fish. They all get a turn to laugh at him for the dumb decision he has made of not calling Geico. He later changes his mind saying that maybe he will get a rate quote... and then implies that he might just turn his newly found friends into his dinner.
It would be best to cast someone who is between the ages of 30