If you’re a USAA member, you can cancel your policy any time you want—even if you’ve purchased a policy recently. While you don’t need to wait for your renewal date, you do need to have a new auto insurance policy in place before you deactivate your current coverage.

Keep in mind: Even if you are being discharged from the military, you can keep your car insurance with USAA. Their benefits are available to active-duty military personnel or veterans, their spouses, and children.

Before you call USAA to start the cancellation process, make sure you’re ready to cancel by looking into the terms and conditions of cancellation. You should:

USAA doesn’t typically charge any fees if you cancel your USAA auto insurance policy, but it’s still a good idea to ask your insurance agent if anything will be applied.

Like most car insurance companies, USAA will refund unused insurance premiums if you paid for your coverage in full. The specific amount you get back will vary, so contact USAA before you cancel to ask about your potential refund.

If you cancel your policy with USAA and don’t have a new policy set up, USAA will report a coverage lapse to the DMV. Before you call to cancel, have the name of your new insurance provider ready to avoid confusion.

Learn more:

How a coverage lapse could affect you in the long run

Canceling your USAA policy mid-term is a good idea if:

You have a lower rate lined up from a different auto insurance company

You have

a bundling offer

from another insurer for auto and homeowner or auto and renters insurance

You are

selling your vehicle

and don’t intend to own a car in the future

If you’re in your first policy term with USAA or don’t have new car insurance coverage set up, don’t cancel immediately.

Instead, take some time to research

car insurance quotes

and decide if canceling will save you insurance costs in the long term.

You can compare USAA’s car insurance rates, coverage options, and coverage limits with real quotes from dozens of other providers in the

Jerry

app—and activate your policy right away if you’re ready to cancel with USAA.

Don’t drop insurance when you sell your car

Unless you’re going to stop driving altogether, you’ll need a new insurance policy set up before you cancel your USAA car insurance policy. Make sure the new coverage starts exactly when your USAA coverage ends. A lapse in your coverage could set you up for high insurance rates, even if you didn’t own a vehicle during that period. Instead of canceling outright, reach out to your USAA insurance agent to ask about converting your current policy into

a non-owner policy

when you sell your vehicle. You’ll retain temporary liability coverage until you get a new car and earn a much better rate on new coverage when you’re back on the road.

Learn more:

Ready to Cancel Car Insurance? Read This First

The 4 ways to cancel USAA car insurance

Call USAA at 1-800-531-8722 and ask to cancel your insurance coverage. Be ready to provide your policy number and the date you’d like your coverage to end.

Send a signed letter with your name, address, policy number, and cancellation date to USAA, 9800 Fredericksburg Rd, San Antonio, TX 78288. Be sure to send the letter at least 10 days before the date you want your policy to end.

While USAA will try to get you to keep your policy by asking why you want to cancel and encouraging you to call instead, you can cancel your policy online by
logging on
to your USAA account.

Cancel in person by visiting your local USAA office.

If you’ve already set up a new car insurance policy through the Jerry mobile app, Jerry’s agents can work with you through the app to help you cancel your USAA policy, reducing the amount of legwork you need to do on your own.

Learn more:

How to get a car insurance refund when you cancel early

Does USAA charge cancellation fees?

No—in fact, most car insurance companies in the U.S. don’t charge a cancellation fee.

Does USAA refund you if you cancel early?

Yes. If you cancel your USAA insurance policy in the middle of your term, you’ll receive a full refund for months you’ve already paid for but won’t use.

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FAQs

Can I cancel my USAA policy online?

Yes, you can cancel your USAA policy online by logging on to your USAA account.

Can I cancel USAA insurance anytime?

Yes, you can cancel your USAA policy anytime and for any reason.

What are the consequences of canceling my USAA plan?

If you've made a full upfront payment for your policy period, USAA will reimburse you for any unused portion. USAA does not charge any cancellation fee or penalty for ending the policy early.

Does USAA refund you if you cancel your auto insurance policy?

Yes. If you cancel your USAA insurance policy in the middle of your term, you’ll receive a full refund for months you’ve already paid for but won’t use.

Does USAA have a grace period for nonpayment?

Yes, The nonpayment grace period for USAA customers is 30 days after the payment’s initial “due date.” If your payment is more than 30 days late, USAA will send a notice of cancellation with a final date for late payment acceptance before your coverage lapses.