How to Cancel USAA Insurance
If you need to cancel your USAA insurance policy, you can call them at 1-800-531-USAA (8722).
Written by Cameron Thiessen
Reviewed by Amy Bobinger
The quickest way to cancel USAA auto insurance is by calling 1-800-531-USAA (8722). You can also cancel online, in person, or by mail.
If you no longer need your United Services Automobile Association (USAA) car or homeowners insurance policy, canceling it is a fairly simple process. In this article, we’ll discuss this process and help you prepare. But before you cancel your USAA policy, make sure you have a new
car insurance
policy lined up to avoid any lapse in coverage.Compare insurance quotes from 50+ carriers with Jerry in under 45 seconds (Title in payload)
4.7/5 rating on the App Store | Trusted by 5+ million customers and 7 million cars4.7/5 app rating | Trusted by 5M+ driversHow to cancel your USAA car insurance policy
There are few ways that policyholders can cancel their USAA car insurance. Here are your options:
- Call to cancel by phone. USAA’s phone number is 1-800-531-8722
- Cancel in person by visiting your local USAA office.
- Cancel by mail. Send a letter stating your name, address, date of birth, policy number, and the date you’d like your policy to end to:
USAA
9800 Fredericksburg Rd
San Antonio, TX 78288
Make sure you have your policy information prepared so you can help identify yourself and confirm the policy you want to cancel.
Before canceling your USAA auto insurance policy, make sure you have a new policy lined up to avoid a car insurance lapse. A lapse in insurance coverage can result in higher insurance premiums in the future. Plus, if you get in an at-fault accident during an insurance lapse, you could be on the hook for paying for damages out of pocket. So make sure that your cancellation date is after the start of your new auto insurance policy.
If you financed your vehicle and you’re still paying off your
car loan
, make sure to alert the lender that you have canceled your USAA insurance, and provide them with your new insurance information as soon as possible.Can you cancel a USAA policy without calling?
Yes.
USAA’s website prompts you to cancel by phone
, but you can cancel online, in person, in the app, or by mail. Not every insurer provides this many options. For example, GEICO
members must call to cancel their policies.Does USAA charge a cancellation fee?
No—in fact, most car insurance companies in the U.S. don’t charge a cancellation fee.
Does USAA refund you if you cancel your auto insurance policy?
Yes. If you cancel your USAA insurance policy in the middle of your term, you’ll receive a full refund for months you’ve already paid for but won’t use.
Does USAA have a grace period for nonpayment?
Yes, The nonpayment grace period for USAA customers is 30 days after the payment’s initial “due date.” If your payment is more than 30 days late, USAA will send a notice of cancellation with a final date for late payment acceptance before your coverage lapses.
Should you cancel your USAA insurance?
Depending on your situation, you may not actually need to cancel your USAA insurance policy. Since the only people eligible to be USAA customers are active-duty military members, veterans, or their spouses/children, this exclusivity can get you some seriously good perks and insurance discounts. Nevertheless, here are some common reasons why people cancel their insurance policy:
- Unable to afford the coverage
- They want a different kind of policy
- They have a homeowners or renters insurance policy from a different insurance provider
- They’ve found a better deal with a different auto insurance company
If any of these describe your situation, you should definitely shop for new car insurance quotes. However, the best move might not actually be to cancel your USAA insurance completely. In fact, USAA gets overall outstanding insurance reviews from organizations like AM Best and the BBB. They may be able to offer you a more affordable policy by helping you change your coverage options or coverage limits. Or, they may provide you with policy bundling options to make your life insurance, car insurance, and home insurance costs more affordable overall.
USAA will likely offer you various options in order to retain you as a customer. The best way to know if their new offers are worth sticking with them is to
compare auto insurance rates
from multiple insurers to avoid overpaying."Super cheap!Jerrysaved me over $4500 during the entire year. The money really adds up.” —D’Shawn G.
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