How To Cancel Usaa Auto Insurance

Updated October, 2020
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There are 3 ways to cancel your USAA auto insurance policy:

     
  • Call (800) 531-8722 and request cancellation
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  • Login to your online account and request to cancel your policy
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  • Write a letter to request cancellation to USAA, 9800 Fredricksburg Rd, San Antonio, TX, 78288

Reasons for canceling your policy

Most people cancel their policies when they've decided to switch to another insurance provider.  Often times people will reassess their plans when their circumstances shift like when they remove a driver from their plan, or move to a lower-risk area.  There are many factors to consider when the right policy for you.

If you plan on still owning a car, but you've cancelled your insurance, you need to obtain a new policy ASAP.  Otherwise, you can be considered lapsed, which could put you at risk for fines from your state.

Purchase a new policy before cancellation of your current policy

Being uninsured for even a day can have expensive consequences.  If you plan to own a car after you cancel your policy, you will need to have purchased a new policy prior to your cancellation date.

Be proactive about lining up your cancellation date with the date your new policy comes into effect.  Letting your coverage lapse could result in liability for damages caused by an at-fault accident, as well as high premiums later on.  A lapse in coverage on your record will earn you a label of "high-risk driver."

3 Points to consider when comparing new policies

If you've made the decision to leave your current policy, it is time to start shopping for a new policy.  You'll want to start immediately to give yourself the time you need to consider your options.  

     
  • Avoid any coverage gaps by selecting a start date for your new policy that is one or two days prior to your cancellation date
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  • Use your current policy as a rubric for your new policy.  Identify features that you value in your current policy and confirm they are offered in your new policy
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  • Make sure your new provider offers reliable 24-hour service

Where to start?

Get instant quotes tailored to your needs - fill out our short form, today!

Confirm your refund eligibility

Refund eligibility can typically be determined by how far in advance you paid for your insurance.  If you prepaid for a 6 month or 12 month policy, you will likely have no issue when requesting a refund.  If, however, you are on a month-to-month plan, you may not be eligible for a refund.

The only way to know for sure is to contact your insurance representative and ask for assistance. They are there to help!

Call an insurance expert
Our team will help you find the lowest insurance prices.
866-996-3156