How to Cancel USAA Car Insurance in 2024 [Follow These 5 Steps]
How to cancel USAA car insurance involves calling USAA directly, confirming your cancellation date, ensuring new coverage is in place, and reviewing final billing for any refunds. However, before canceling, consider exploring discounts with USAA as an alternative, as you could save up to 90% on your premium.
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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: Nov 20, 2024
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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: Nov 20, 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.
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Wondering how to cancel USAA car insurance? The process is simple. You just need to call USAA, confirm your cancellation date, ensure your new coverage is active, and review your final bill. 
And while USAA doesn’t have the option to cancel auto insurance online, their customer service team makes the process quick and easy over the phone. You can learn more about USAA customer service in our USAA auto insurance review.
If you’re canceling your USAA car insurance to switch providers, use our free online comparison tool to instantly compare quotes—just enter your ZIP code to get started.
- Step #1: Review Your Policy – Check for any cancellation fees or refund eligibility
- Step #2: Contact USAA – Reach out via phone, chat, or app to start the cancellation
- Step #3: Confirm the Cancellation Date – Ensure you know when your coverage ends
- Step #4: Confirm New Insurance – Confirm new insurance before canceling
- Step #5: Review Final Billing – Verify any final charges or refunds
5 Steps to Cancel Auto Insurance With USAA
Although USAA will often be the provider with the lowest rates, you might find yourself needing to cancel your auto insurance for various reasons. Whether you are switching to a different provider, moving to a state where USAA doesn’t operate, or simply looking for better rates, the process can be quick with these five steps.
Step #1: Review Your Policy
Before canceling USAA auto insurance, review your current policy. Check for any early cancellation fees. These can sometimes apply if you’re terminating your car insurance policy mid-term. You’ll also want to know if you’re eligible for a prorated refund on any premiums you’ve paid in advance.
Going into the cancellation process with these details will help you have a smoother conversation with USAA, and it gives you a chance to confirm you’re canceling at a time that makes financial sense.
Step #2: Contact USAA
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 its mission is to secure your financial security and, as a car insurance policyholder, they’ll want to understand why you’re canceling to see if there’s anything they can do to help. So, there is no option to cancel your policy by mail or online.
Step #3: Confirm the Cancellation Date
Knowing the specific date your coverage ends will keep you from having any accidental gaps in coverage, especially if you’re switching to a new provider. If there’s a delay in your new policy, you’ll have a clear deadline to work with.
Be sure to confirm if the cancellation date is immediate or if it’s processed later so you can stay on top of things.
Kristen Gryglik Licensed Insurance Agent
Also, if your new provider offers a grace period before coverage starts, you’ll want to factor that into your timing as well.
Step #4: Confirm New Insurance
If you’re switching to a different provider, you’ll want to have your new insurance policy active before canceling your USAA coverage. Even a minute without coverage could result in fines or penalties. It’s usually safer to get your new policy up and running before canceling the old one.
Read More: How long can I drive my new car without insurance?
To help you compare options and find the best deal, see the table below for auto insurance rates by top providers.
Car Insurance Monthly Rates by Provider and Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
 | $61 | $160 |
 | $44 | $117 |
 | $53 | $139 |
 | $30 | $80 |
 | $68 | $174 |
 | $44 | $115 |
 | $39 | $105 |
 | $33 | $86 |
 | $37 | $99 |
 | $22 | $59 |
Some people even overlap the two policies for a day just to be safe, which is a lot cheaper than dealing with a lapse.
Step #5: Review Final Billing
After canceling, USAA will send a final statement that should reflect any remaining balance or refund. If you’ve prepaid for coverage beyond your cancellation date, USAA typically prorates this and will reimburse you. Read our article, “Do you get your deposit back from car insurance?” to learn more.
Going over this statement carefully ensures there’s no lingering balance or misunderstanding about what you’re owed. This way, you can close out with no loose ends and move forward without worries.
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What to Know Before Canceling Your USAA Policy
If you’re planning to cancel your USAA auto insurance, it’s helpful to know what steps to take and what you can expect. Here are a few things to keep in mind so your cancellation goes smoothly.
USAA Car Insurance Cancellation Policy
Because USAA doesn’t charge any fees or penalize for early termination, you can cancel your policy anytime without worrying about extra costs.
Read More: Are car insurance cancellation fees legal?
Timing Your Cancellation Right
It’s best to time your cancellation carefully. For instance, if you’re selling your car, wait until the sale is complete before canceling. If you’re switching to another insurer, make sure your new coverage is active before you cancel with USAA.
And if you’re moving out of state, cancel your policy only after you’ve set up new coverage in your new location. Check out our guide on how to handle car insurance when moving out of state for more details.
Stopping Automatic Payments
If you’ve set up automatic payments, be sure to double-check your bank or credit card to confirm they’ve stopped once your policy is canceled (Read More: What to Know About Renewing Car Insurance Automatically)
If you’re wondering, “How do I stop my car insurance from automatically renewing?” The best way to stop your car insurance from automatically renewing is to contact your insurance provider before your policy’s renewal date. For USAA, call their customer service line and request to turn off automatic renewal.
USAA’s Payment Help Options
If you can’t afford your car insurance and are having trouble keeping up with payments, USAA has options to make things easier. You might be able to delay a payment, roll a late payment into the next bill, or break up an overdue amount across a few payments to help you catch up.
What Happens if You Stop Paying
If you simply stop making payments, it can impact your credit and make it harder to get insurance in the future. It’s always better to formally cancel your policy rather than let it lapse to avoid any issues later on.
Read More: Best Car Insurance Companies That Don’t Use Credit Scores
How to Cancel USAA Auto Insurance Online
One question we often get is, “Can I cancel my USAA auto insurance online?” While you can get USAA insurance quotes online, canceling your policy isn’t something that can be done through their website.
According to the USAA website, you’ll need to contact their customer service team directly to process a cancellation. That way, you’ll have a chance to confirm your request, go over any final details, and get assistance if you have questions about transitioning your coverage.
Getting 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. Compare cheap car insurance companies in our article.
Any refund amount will depend on whether you pay in installments, how many installments you have made, and the amount of time left on your current policy.
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Alternatives to Canceling: Finding Discounts With USAA
If you’re looking to reduce your costs, you may be able to get additional discounts with USAA rather than canceling. 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 USAA car insurance discounts:
USAA Car Insurance Discounts
| Discounts Available | Savings |
|---|---|
| Claim Free | 12% |
| Defensive Driver | 3% |
| Driver's Ed | 3% |
| Driving Device/App | 5% |
| Early Signing | 12% |
| Family Legacy | 10% |
| Garaging/Storing | 90% |
| Good Student | 3% |
| Military Garaging | 15% |
| Newer Vehicle | 12% |
| Paperless/Auto Billing | 3% |
| Safe Driver | 12% |
| Young Driver | $75 |
The longer you stay with USAA, the more you can save.
The company has a loyal member discount that could save you up to 10% on the cost of a policy.
Canceling Car Insurance With USAA
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.
Now that you know how to cancel auto insurance with USAA, it’s a good time to check out other options. If you’re looking for cheap car insurance, just enter your ZIP code below to compare rates from other providers and find the best deal.
Frequently Asked Questions
How do I cancel my USAA auto insurance?
Call USAA directly at 800-531-USAA (8722) to cancel your car insurance. They don’t allow cancellations online or by mail. Are you wondering how to cancel USAA auto insurance without calling? Unfortunately, USAA requires a phone call to process cancellations.
Will I get a refund if I cancel my USAA auto insurance?
We often get the question, “Do I get a refund if I cancel my car insurance?” The answer is yes. Most car insurance companies, including USAA, provide prorated refunds for any unused coverage. For example, if you’ve paid six months upfront but cancel after three, you’ll receive a refund for the remaining three months. Always double-check with your insurer for specific details.
Can I get cheaper insurance with USAA instead of canceling?
Before canceling, speak with USAA to explore ways to lower the cost of your insurance. They may suggest discounts or other strategies that could help reduce your premium 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.
Does USAA have a cancellation fee?
So, is there a USAA auto insurance cancellation fee? No, USAA does not charge a cancellation fee for ending your car insurance policy early. Whether you cancel mid-term or at the end of your policy period, you won’t face penalties.
How do I cancel my USAA membership?
If you’re wondering, “How do I quit USAA?” You can call USAA’s customer service line to speak with a representative who can guide you through the process. They’ll help you close your accounts, cancel any associated policies, and address any final balances or refunds. One important detail to remember is that since USAA is membership-based, once you cancel, you’ll lose access to their exclusive services and benefits.
Read More: How do I purchase car insurance without a membership?
Can you cancel car insurance anytime and switch?
Yes, you can cancel your car insurance policy and switch providers at any time. It’s a good idea to have your new policy active before canceling your current one to avoid any gaps in coverage. If you’ve paid your premium upfront, many insurers, including USAA, will provide a prorated refund for the unused portion.
Can I reinstate my car insurance after cancellation with USAA?
Yes, you might be able to reinstate your USAA car insurance, but it’s not always guaranteed. You’ll need to reach out to them directly to go over your options. Whether they’ll reinstate your policy usually depends on how long it’s been canceled and if you’ve had coverage with another provider in the meantime. Just keep in mind that a lapse in insurance could affect your rates or eligibility.
Does USAA auto insurance automatically renew?
Yes, USAA auto insurance policies automatically renew at the end of each term unless you cancel beforehand. They’ll typically notify you of your upcoming renewal with updated policy details and rates. If you don’t want the policy to be renewed, inform USAA before the renewal date.
How do I withdraw from USAA?
To withdraw from USAA entirely, you’ll need to call their support team. They’ll help you close any accounts and terminate memberships or policies. Ensure that all outstanding balances are cleared and that you have backups for any services, such as insurance or banking, before withdrawing.
Can you cancel USAA auto insurance at any time?
Yes, you can cancel your USAA auto insurance anytime without incurring a penalty. But you’ll want to review your policy beforehand to ensure there aren’t any unresolved balances. See our article “Can I change my car insurance company mid-policy?” to learn more.
When you cancel car insurance, is it immediate?
The timing of your cancellation depends on the date you choose when speaking with your insurer. You can request an immediate cancellation, but some policies may have a slight delay while the paperwork is processed. USAA lets you select a future cancellation date, which can be helpful if you’re timing it with the start of a new policy.
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.
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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
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.