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What happens if I can't pay my USAA car insurance?

I was laid off from my job a few weeks ago, and I found out I probably won't have enough money to pay my USAA car insurance. What's going to happen?

avatar
Eric Schad · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Your first move should be to give
USAA
a call. If you’re a customer in good standing and haven’t missed
car insurance
payments in the past, they will probably give you some leeway. You might get a five to 10 day extension to make the payment.
Whatever you do, don’t let the policy lapse through nonpayment. If this happens, USAA will cancel your policy. Once the policy is canceled, you’ll not only be without insurance, but you’ll also be in the high-risk category. 
As a result, car insurance companies will quote you much higher rates than you’ve been paying before, so it’s in your best interest to make the payment within the extension window they give you.
Pro tip: If you can’t afford to pay for your USAA coverage at all, start shopping around for lower rates with other companies.
Jerry
can help you obtain quotes in seconds to find the best insurance that fits in your budget.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.

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