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?

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Eric Schad
Answered on Apr 16, 2021
Eric Schad has been a freelance writer for nearly a decade, as well as an SEO specialist and editor for the past five years. Before getting behind the keyboard, he worked in the finance and music industries (the perfect combo). With a wide array of professional and personal experiences, he’s developed a knack for tone and branding across many different verticals. Away from the computer, Schad is a blues guitar shredder, crazed sports fan, and always down for a spontaneous trip anywhere around the globe.
“If you’re a customer in good standing and haven’t missed car insurance payments in the past, USAA will probably give you some leeway.
Start by giving them a call. 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.
If you can’t afford to pay for your USAA coverage at all, start shopping around for lower rates with other companies. Get as many quotes as you can.”
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