How To Cancel USAA Auto Insurance (2024)
To cancel your USAA auto insurance, you must have your USAA policy number and provide a reason for cancellation. Make sure you have a new auto insurance policy in place before you cancel, as a lapse in coverage results in higher rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Oct 18, 2023
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page 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: Oct 18, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- You will need to call USAA at 1-800-531-8722 to cancel your auto insurance policy
- USAA will ask for your basic information, policy number, and reason for canceling
- It is important to have a new insurance policy start before your cancellation
The process is the same whether you are canceling your USAA vehicle or commercial auto insurance. To cancel auto insurance with USAA, you will need your policy number and other relevant information. You will then need to call USAA to cancel your policy.
If you are still driving, make sure you have a new car insurance policy in place from one of the best car insurance companies before your USAA policy ends. Read on to learn all the important details of canceling your USAA auto insurance policy.
How to Cancel Your USAA Auto Insurance Policy
If you have an active USAA auto insurance policy, you will need to follow the steps listed below.
1. Sign Up for a New Policy Before Canceling
It is vital to sign up for a new policy before canceling your USAA auto insurance policy. Even a few days in between coverages counts as a lapse of insurance. Since not carrying car insurance is illegal, a lapse in insurance usually results in higher insurance rates in the future.
Make sure your new insurance policy starts the same day or the day before your cancellation date with USAA.
Of course, if you are selling your car and no longer driving, it is not illegal to cancel auto insurance altogether without signing up for a new policy. USAA may ask you to send proof of a bill of sale to the USAA fax number. However, if you are no longer driving but still have a car, you still need to carry your state’s minimum insurance on your car.
2. Gather Necessary Information
In order to cancel your car insurance policy with USAA, you will need to know your USAA auto insurance policy number. You can usually find this by looking at your account online or any bills you may have received from USAA.
USAA will likely also ask for basic information like your name and reason for cancellation.
3. Call and Speak to a USAA Representative
While you can make changes to your policy online, you won’t be able to cancel online by using the USAA claims email or your online app.
To cancel your auto insurance, you must call USAA. The USAA car insurance number for cancellations is 800-531-8722. While a service agent may be able to redirect you if you call the USAA auto insurance claims phone number by accident, for example, it is fastest to call the right number from the start.
4. Confirm USAA Auto Insurance Cancellation
USAA should send you a confirmation email that your auto insurance policy with the company has ended. It is important to check that you receive the proof of cancellation.
While rare, there are times when insurance companies make mistakes and policies aren’t canceled correctly. Customers are then accidentally charged for another month or two of coverage if they are on an autopay payment plan. If you have autopay set up, just check the month after to ensure you aren’t charged as a precaution.
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How to Make Changes to Your Policy Instead of Canceling
If you are considering canceling your insurance policy because it’s too expensive and you need more affordable car insurance, it may be worth speaking to an agent first. Most insurance companies are eager to keep their clients and may offer an additional discount or can work with a client to help reduce their insurance costs.
In addition, suppose you are just looking to cancel one of your coverages, but your policy. In that case, you can usually make changes to your coverage on the USAA app or your online account, similar to USAA claims online. For example, you can remove your USAA GAP insurance to reduce your USAA costs while still maintaining your policy.
Finally, if you have merely gotten a USAA car insurance quote and not purchased USAA insurance, then there’s no need to cancel. A USAA auto quote may prompt you to purchase insurance once you receive your quote, but unless you pay and sign up, there’s no need to worry about canceling.
Final Thoughts on Canceling Your USAA Auto Insurance
Canceling your USAA policy is fairly straightforward. First, if you continue to drive, it is important to have a new insurance policy lined up before cancellation to avoid a lapse in coverage. Then, you simply need to call USAA to cancel.
If you are looking for a new car insurance company, getting quotes is one of the best ways to compare prices. Use our free quote comparison tool to find your area’s best auto insurance rates from local companies.
Frequently Asked Questions
How do I cancel my USAA auto insurance policy?
To cancel your USAA auto insurance policy, you can follow these steps:
- Contact USAA customer service by phone or online.
- Provide your policy details and reason for cancellation.
- Follow any instructions provided by the representative.
- Return any requested documents or license plates.
- Confirm the cancellation and inquire about any potential refunds.
Can I cancel my USAA auto insurance policy at any time?
Yes, you have the right to cancel your USAA auto insurance policy at any time. However, keep in mind that some states may require a minimum notice period before cancellation takes effect.
Is there a fee for canceling my USAA auto insurance policy?
USAA typically does not charge a cancellation fee for auto insurance policies. However, it is always best to check with USAA customer service to confirm this information, as policies may vary.
Will I receive a refund if I cancel my USAA auto insurance policy?
If you have paid your premiums in advance, you may be eligible for a prorated refund for the remaining unused portion of your policy. USAA customer service will provide you with the details and assist you with the refund process.
How long does it take to cancel USAA auto insurance?
The cancellation process for USAA auto insurance can vary depending on individual circumstances and the state you reside in. Generally, cancellation should be processed within a few business days, but it is advisable to confirm the timeline with USAA customer service.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto 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.