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How to cancel USAA car insurance

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Cancel your USAA coverage by phone, mail or online without paying a fee.

USAA is known for its customer service and its association with those that have served in the military. But if you feel you’re ready to move your insurance needs elsewhere, USAA’s auto insurance makes it easy to cancel your policy.

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USAA’s cancellation policy

USAA lets you cancel your policy contract at any time. The easiest way to cancel is to call, though customers have noted that wait times can be long and you’ll have to mail in signed documents. You’re not charged a cancellation fee and could even receive a prorated refund of your unused premiums.

How do I avoid paying USAA’s cancellation fees?

USAA doesn’t charge any cancellation fees. The only way you’ll pay a fee for canceling your auto insurance policy is if you let your policy lapse without informing USAA. In this case, you’ll be responsible for paying the policy premium and any late fees.

Calling USAA to cancel prevents you from paying any fees, regardless of how much time is left on your policy. If you find a charge on your account after you’ve canceled your policy, call or send a message to customer service to ask about it. These charges could have come from coverage before you canceled.

How can I cancel my policy?

It’s possible to cancel your USAA auto insurance policy by sending an email, calling or sending a letter in the mail. USAA offices are sparse, with locations only in a handful of states. But if you live near one of its locations, canceling in person is a quick way to get the documents you need. Unfortunately, you can’t cancel your policy from its mobile app.

Info you’ll need to cancel your policy

  • Your full name, address, date of birth and Social Security number.
  • Your policy number and effective date of cancellation.
  • The reason for the cancellation, like a new policy or selling a vehicle.
  • The name of your new insurance company and the policy number, if you’re changing companies.

What’s the best way to cancel USAA car insurance?

USAA prefers cancellation over the phone, but if you run into problems, you can cancel by email instead. Its site claims that customer support is available 24/7, but if they don’t respond to your messages, try posting in its customer support forum, as they seem to respond regularly. There’s also an option to cancel by mail, if you prefer.

It’s also possible that you’ll need to mail in a signature page in addition to canceling by phone or online.

Canceling online

Privately messaging a customer service agent through the USAA site can be an effective way to cancel your policy. You’ll need to register online and log in to your account to access this option.

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Canceling by phone

Calling customer service at 210-531-8722 or 800-531-8722 is the simplest and recommended way to cancel with USAA. However, according to online reviews, USAA is known to have longer wait times compared to other companies.

Canceling by email

Mailing in your policy cancellation request letter is an option. Include why you’d like to cancel your policy, along with the following information:

  • Full name and address.
  • USAA car insurance policy number.
  • Policy end date.
  • A dated signature.

Canceling by mail takes time, so leave at least 30 days from when you send your letter to when you’d like your policy to end.

Mail your letter to:

USAA

9800 Fredricksburg Rd

San Antonio, TX 78288

When is the best time to cancel or switch car insurance?

You can cancel any time during your policy without extra fees or hassles. Most people cancel their policies if they move, get married or find a provider that better suits their needs. The best time to cancel your car insurance is 30 days before your new policy kicks in to make sure there’s no gap in coverage.

How can I confirm that my USAA policy is canceled?

The best way to see if your policy is canceled is by logging in to your online account and checking its status. You should also receive a certified confirmation letter by mail, but this could take longer. If you’re unsure of the status of your cancellation, give USAA a call to find out.

What should I consider before canceling my policy with USAA?

When you cancel your policy with USAA, you won’t pay any fees and could even be prorated for unused days you’ve paid for. Check your state laws surrounding insurance coverage before you cancel. Some states require you to report your change in insurance to the state, and others have specific minimum requirements for coverage.

Plan your new coverage to begin when your USAA policy ends. It’s important not to leave a lapse in coverage, because even a day or two without insurance can lead to higher rates, or worse — full financial responsibility if you’re at fault in an accident.

If you’ve bundled your USAA car and home insurance, you can expect your premium to adjust after you cancel your car coverage.

Which car insurance provider is best for me?

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Should I cancel or adjust my policy?

If you’re canceling because you feel you can get a better deal elsewhere, call customer service. Users say that the USAA customer support team is helpful and eager to offer discounts if you call. It’s commitment to service members and their families make them a unique auto insurance provider that could be difficult to match.

Alternatives to USAA

If you’re ready to change providers, had a bad customer experience or simply think another company might have better rates, there are alternatives to USAA.

USAA’s main competitor is Geico, which offers discounts of up to 15% on your premium if you’re a member of certain military organizations. When members are deployed to what it calls imminent danger areas, Geico offers an additional discount called an Emergency Deployment Discount.

Other companies that offer various military discounts include:

  • Armed Forces Auto Insurance
  • Progressive
  • Liberty Mutual
  • State Farm
  • Esurance

While a military discount is promising, it can be helpful to check if there is still a better non-military rate with a different provider.

Compare USAA competitors

Name Product Roadside assistance New car protection Available states
Allstate
Included free
Yes, cars under 2 years old
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Liberty Mutual
Optional
Yes, cars under 1 year old & 15,000 miles
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
Root
Optional
No
AZ, AR, DE, IL, IN, IA, KY, LA, MD, MI, MS, MT, NM, ND, OH, OK, OR, PA, TX, UT
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save. Available in 20 states.
Esurance
Optional
Yes, cars under 1 year old & 15,000 miles
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
Metromile
Optional
Yes, cars under 1 year old & 15,000 miles
CA, IL, NJ, OR, PA, VA, WA
Drive less than 30 miles a day? Save on the coverage you need with pay-per-mile insurance from Metromile. Get a low monthly rate then pay just a few cents per mile. Available in CA, IL, NJ, OR, PA, VA and WA.
USAA
Optional
No
All 50 states
USAA offers affordable car insurance with highly rated customer service to millions of military members and their families. Only available to military members, veterans and affiliated military members.

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Bottom line

Canceling your USAA auto insurance doesn’t come with a fee and can be done online, over the phone or by mail. But before you cancel, you’ll likely want to have a new auto insurance provider lined up. Compare other insurers with the comprehensive guide to car insurance to find the right company for you.

Frequently asked questions

Roslyn McKenna

Roslyn McKenna is an assistant publisher for car insurance at finder.com. With a love of everything nerdy, Roslyn puts her passion for writing to good use by empowering our readers to get what they want from their money. Her goal is to help people get a great deal on car insurance so they can enjoy the ride.

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