How To Cancel USAA Car Insurance [2023]

If you are actively looking for a new car insurance company, you may be considering canceling your current coverage. If you are a current USAA member, you may be wondering how to cancel your USAA auto insurance. We have researched for you and provided you with the answers below.

How do I cancel auto insurance with USAA?

If you want 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 that its mission is to secure your financial security and would like to know why you want to cancel the policy to see if there’s anything that its representatives can do to help. So there is no option to cancel your policy by mail or online. 

USAA states that the company wants to ensure you’re not at financial risk.

Will I get 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. 

Any refund amount will depend on if you pay in installments, how many installments you have made, and the amount of time left on your current policy.

Could I get cheaper insurance with USAA instead?

If you’re looking to reduce your costs, you may be able to get additional discounts with USAA rather than cancelling. 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 discounts offered by USAA:

• If you are a student driver with good grades, you can get a discount in most states.
• USAA also has a range of safe driver discounts, including premier driver, good driver discount (in California), and the Safe Pilot program. These discounts may help if you have had a good driving record for more than five years. You may also be able to get savings if you complete an approved course for defensive driving.
• If you are on active duty and garage your car on a military installation, there is a car insurance discount for military members.
• Perhaps you could bundle coverage with an additional vehicle or combine your car insurance with your property coverage. Either of these solutions could bring you an extra discount.
• You may also save if you add an anti-theft device to your car or if the vehicle is no more than three years old.

In addition, the longer you stay with USAA, the more you could save. The company has a loyal member discount that could save you up to 10% on the cost of a policy.

Case Studies: Cancel USAA Car Insurance

Case Study 1: Sarah’s Search for Better Rates

Sarah, a USAA policyholder, recently discovered that she could potentially save money on her car insurance by switching to a different provider. She decided to explore her options and conducted a thorough comparison of quotes from various companies. After finding a better price, Sarah contacted USAA to cancel her auto insurance policy and inquire about a refund of any unused premium.

Case Study 2: Mark’s Loyalty Discount

Mark has been a loyal USAA member for over five years. However, he started noticing an increase in his car insurance premiums. Concerned about the rising costs, Mark decided to reach out to USAA to explore potential discounts that could help lower his expenses while keeping his business. Eligible for 10% loyalty discount, Mark reconsiders canceling USAA car insurance.

Case Study 3: Jessica’s Refund Calculation

Jessica, a USAA policyholder, decided to cancel her auto insurance because she found a more affordable option elsewhere. She contacted USAA directly to initiate the cancellation process and requested information about the refund she would receive. USAA rep informed Jessica refund based on payment plan and policy details. Jessica followed guidance for smooth refund.

Case Study 4: David’s Personal Assistance

David had been a USAA policyholder for several years but faced financial difficulties that made it challenging to afford his car insurance premiums. He decided to cancel his USAA auto insurance and sought assistance from the company to ensure he wasn’t at financial risk. USAA reps provided personalized guidance to help David balance coverage and finances effectively.

Canceling Car Insurance With USAA: The Bottom Line

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.