How To Cancel USAA Insurance: What To Know

Drivers eager to find a new car insurance company and cancel USAA insurance can do so with ease. You can cancel your USAA policy by calling the insurance company directly or by submitting a cancellation request online. Drivers who need reduced car insurance rates can shop online for low rates.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

UPDATED: May 4, 2022

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Here's what you need to know...

Are you conducting internet searches for phrases like “how to cancel USAA auto insurance” or “cancel USAA auto insurance now”? Well, you’ll be grinning from ear to ear when you learn how easy it is to find affordable car insurance and cancel USAA insurance at the same time. You might even get some money when you cancel your car insurance policy with USAA.

Now, if you’re eager to learn how to cancel USAA insurance, you must first learn how to find car insurance quotes. You should never cancel your car insurance policy before starting a new one because driving without an active insurance policy, even if you do so accidentally, is illegal.

Keep reading to discover the ways in which you can compare car insurance quotes and cancel USAA insurance when the time is right for you.

Enter your ZIP code to start receiving free car insurance quotes if you aim to cancel USAA insurance sooner than later.

How can drivers cancel a USAA car insurance policy?

Drivers who want lower car insurance rates can cancel USAA insurance coverage easily by making one phone call.

Making a call to the USAA customer service line will require you to provide your policy number so make sure that you have that readily accessible. You may also need to have your new policy number and effective date handy in case you need to share that as well.

Now, if you wanted to learn how to cancel USAA auto insurance online, you’re in luck. You simply need to log into your USAA account and request a policy cancellation.

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Is it easy for drivers to find a new insurance policy?

In this day and age, it is easier than ever to find a new insurance policy that meets your needs. You can do so by either hiring an insurance broker or by shopping online.

If you didn’t know already, insurance brokers are licensed professionals who are not tied down to one insurance company. When working with a broker, you don’t need to worry about them overselling you. Your coverage needs are put first.

While you will need to share sensitive information with your broker, like your driving history, your address, and even your credit score, the broker will then do all the legwork of sifting through quotes to find the best ones for your needs. When your broker presents you with the best policy, you will need to contact the insurance company to finalize the sale.

Brokers might be an excellent fit for some people; however, if you’re an individual who works multiple jobs or is primarily the one who takes the kids to rugby practice after school, stopping by a broker’s office may not be logistically possible.

Shopping online, on the other hand, is easy and can be done wherever you have access to the internet. Once you enter your information, you’ll be able to peruse through several quotes from your smartphone or tablet no matter where you find yourself.

If you need to buy car insurance and cancel USAA insurance, you can do so from the sidelines of your child’s match or while taking the train to work.

Today’s technology also lets you check out free resources like company reviews while you shop so you can confirm that you are making the best choice. Other resources, like this chart below, can help you estimate what you may pay for insurance where you live and give you a better idea of how to balance your budget before you put any money down.

Average Car Insurance Rates by State

StatesAverage Annual Car Insurance PremiumAverage 6-Month Car Insurance Premium
Alabama$1,287$686
Alaska$1,183$595
Arizona$1,449$610
Arkansas$1,566$747
California$1,846$874
Colorado$1,761$831
Connecticut$1,640$754
Delaware$1,828$898
District of Columbia$1,876$748
Florida$2,219$988
Georgia$1,777$761
Hawaii$1,275$541
Idaho$1,040$512
Illinois$1,296$600
Indiana$1,181$571
Iowa$1,047$494
Kansas$1,398$737
Kentucky$1,594$956
Louisiana$2,298$1,123
Maine$845$448
Maryland$1,546$638
Massachusetts$1,245$611
Michigan$2,611$1,282
Minnesota$1,362$636
Mississippi$1,409$767
Missouri$1,272$695
Montana$1,600$696
Nebraska$1,291$641
Nevada$1,525$807
New Hampshire$1,087$550
New Jersey$1,520$815
New Mexico$1,382$670
New York$1,789$768
North Carolina$1,095$471
North Dakota$1,164$664
Ohio$1,175$505
Oklahoma$1,966$766
Oregon$1,286$682
Pennsylvania$1,187$678
Rhode Island$1,834$1,007
South Carolina$1,433$687
South Dakota$1,262$673
Tennessee$1,297$706
Texas$1,779$896
Utah$1,206$594
Virginia$1,063$455
Washington$1,401$588
West Virginia$1,472$711
Wisconsin$951$531
Wyoming$1,602$688
National Average$1,457$704
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When you shop online, you can take your time and pay attention to the fine print in every quote without being harassed by a salesperson.

Can drivers get a refund when they cancel USAA insurance?

When you cancel your USAA policy there is a chance that you’ll get some money back. If you happened to purchase a  policy with a new company but had paid your USAA policy in full, you might get a refund depending upon when in your policy period you canceled the policy.

You won’t always get a refund though. You see, if you purchased two months of coverage from USAA and stayed with USAA for those two months before buying a new policy, you would most likely not get any money back.

If you’re looking for every opportunity to save money, as many other drivers are, you should check to be sure that you aren’t missing any discounts. Refer to this chart if you aren’t sure what discounts to ask about:

Types of Car Insurance Discounts Available

Vehicle DiscountsDriver/Customer DiscountsPersonal Discounts
Active Disabling DeviceClaim FreeEmergency Deployment
Adaptive Cruise ControlContinuous CoverageFamily Legacy
Adaptive HeadlightsDefensive DriverFamily Plan
Anti-lock BrakesDriver's EducationFederal Employee
Audible AlarmDriving Device/AppFurther Education
Automatic BrakingEarly SigningGood Student
Blind Spot WarningFull PaymentHomeowner
Daytime Running LightsGood CreditLife Insurance
Economy VehicleLoyaltyMarried
Electronic Stability ControlMultiple PoliciesMembership/Group
Farm/Ranch VehicleMultiple VehiclesMilitary
Forward Collision WarningNew Customer/New PlanNew Address
Garaging/StoringOccasional OperatorNew Graduate
Green/Hybrid VehicleOnline ShopperNon-smoker/Non-drinker
Lane Departure WarningOn-Time PaymentsOccupation
Newer VehiclePaperless/Auto BillingRecent Retirees
Passive RestraintPaperless DocumentsStable Residence
Utility VehicleRoadside AssistanceStudent Away
Vehicle RecoverySafe DriverStudent or Alumni
VIN EtchingSeat Belt UseVolunteer

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Great discounts like a multi-car insurance discount or a multi-policy discount can lower your insurance rates. Canceling a USAA policy and watching the savings in your bank account grow is an easy task once you know how to accomplish it.

How to Cancel USAA Insurance: The Bottom Line

Drivers can cancel their USAA insurance with ease by calling the customer service line or by requesting a policy cancellation online.

If you are looking forward to working with a different car insurance company, cancel State Farm insurance, and shop online to find a new policy; however, you must be certain that the new policy is active before your previous policy is canceled.

Before you cancel USAA insurance, enter your ZIP code to get free insurance quotes today.

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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