How to Cancel USAA Car Insurance in 2024
You must call USAA to cancel your auto insurance policy, as they do not allow policyholders to cancel online or by mail. If you're canceling because you found cheaper rates elsewhere, you should make sure you're taking advantage of all the discounts you're entitled to.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
UPDATED: Aug 25, 2024
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Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Aug 25, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- To cancel your auto insurance with the USAA, you will need to call the company directly
- You may be eligible for a refund based on how much you have already paid and the date of cancellation
- Explore additional discounts to see if it is worthwhile keeping your auto insurance with USAA
If you are actively looking for a new car insurance company, you may be considering canceling your current coverage. If you are a current USAA member, you may be wondering how to cancel your USAA auto insurance. We have researched for you and provided you with the answers below.
How do I cancel auto insurance with USAA?
If you want to cancel your USAA car insurance, you must call the company directly at 800-531-USAA (8722). The USAA auto insurance hours of operation are Monday – Friday 6:00 a.m. to 10:00 p.m. and Saturday 8:00 a.m. to 8:00 p.m. CT.
The company says that its mission is to secure your financial security and would like to know why you want to cancel the policy to see if there’s anything that its representatives can do to help. So there is no option to cancel your policy by mail or online.
USAA states that the company wants to ensure you’re not at financial risk.
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Will I get a refund by canceling USAA auto insurance?
You can shop around for a better car insurance deal at any time, not just when the policy comes up for renewal. So, if you do find a better price, you can cancel your USAA car insurance and may be eligible to receive a refund of any unused premium.
Any refund amount will depend on if you pay in installments, how many installments you have made, and the amount of time left on your current policy.
Could I get cheaper insurance with USAA instead?
If you’re looking to reduce your costs, you may be able to get additional discounts with USAA rather than cancelling. This is why USAA wants to speak with you directly before you cancel to try to keep your business while saving you money.
Here are some examples of the most common discounts offered by USAA:
- If you are a student driver with good grades, you can get a discount in most states.
- USAA also has a range of safe driver discounts, including premier driver, good driver discount (in California), and the Safe Pilot program. These discounts may help if you have had a good driving record for more than five years. You may also be able to get savings if you complete an approved course for defensive driving.
- If you are on active duty and garage your car on a military installation, there is a car insurance discount for military members.
- Perhaps you could bundle coverage with an additional vehicle or combine your car insurance with your property coverage. Either of these solutions could bring you an extra discount.
- You may also save if you add an anti-theft device to your car or if the vehicle is no more than three years old.
In addition, the longer you stay with USAA, the more you could save. The company has a loyal member discount that could save you up to 10% on the cost of a policy.
Case Studies: Cancel USAA Car Insurance
Case Study 1: Sarah’s Search for Better Rates
Sarah, a USAA policyholder, recently discovered that she could potentially save money on her car insurance by switching to a different provider. She decided to explore her options and conducted a thorough comparison of quotes from various companies. After finding a better price, Sarah contacted USAA to cancel her auto insurance policy and inquire about a refund of any unused premium.
Case Study 2: Mark’s Loyalty Discount
Mark has been a loyal USAA member for over five years. However, he started noticing an increase in his car insurance premiums. Concerned about the rising costs, Mark decided to reach out to USAA to explore potential discounts that could help lower his expenses while keeping his business. Eligible for 10% loyalty discount, Mark reconsiders canceling USAA car insurance.
Case Study 3: Jessica’s Refund Calculation
Jessica, a USAA policyholder, decided to cancel her auto insurance because she found a more affordable option elsewhere. She contacted USAA directly to initiate the cancellation process and requested information about the refund she would receive. USAA rep informed Jessica refund based on payment plan and policy details. Jessica followed guidance for smooth refund.
Case Study 4: David’s Personal Assistance
David had been a USAA policyholder for several years but faced financial difficulties that made it challenging to afford his car insurance premiums. He decided to cancel his USAA auto insurance and sought assistance from the company to ensure he wasn’t at financial risk. USAA reps provided personalized guidance to help David balance coverage and finances effectively.
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Canceling Car Insurance With USAA: The Bottom Line
You have to call the company directly for advice if you need to know how to cancel your USAA insurance. The agent will gather your information and process the cancellation for you. You can then request a refund, and the USAA representative will be able to tell you how much this will be. By exploring available discounts, you may find it cheaper to stay with USAA.
Frequently Asked Questions
How do I cancel USAA car insurance?
Call USAA directly at 800-531-USAA (8722) to cancel your car insurance. They don’t allow cancellations online or by mail.
Will I get a refund if I cancel my USAA auto insurance?
You may receive a refund of any unused premium when you cancel your USAA car insurance, depending on your payment plan and remaining policy time.
Can I get cheaper insurance with USAA instead of canceling?
Before canceling, speak with USAA to explore potential discounts that could lower your costs and keep your business.
How do I request a refund after canceling my USAA car insurance?
After canceling, speak with a USAA representative to request a refund. They will provide information on the refund process.
How can I compare car insurance quotes from different companies?
Use a free online quote tool and enter your ZIP code to compare car insurance quotes from different companies and find the best rates for your needs.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.