How to Cancel USAA Car Insurance in 2025 [Follow These 5 Steps]

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.

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

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.