How To Cancel USAA Auto Insurance in 5 Steps (2026)

The United Services Automobile Association, commonly known as USAA, is a military insurance company that provides services to active or retired military personnel and their families. If you’re wondering how to cancel USAA auto insurance, you’ve come to the right place.

You might buy USAA auto insurance to take advantage of the low-cost rates. However, when the time comes to switch providers, canceling your policy is as easy as calling the USAA auto insurance phone number at (800) 531-8722.

However, finding auto insurance quotes online before canceling your current policy is important. A lapse or gap in your coverage could lead to hefty fines and higher rates. Read through our quick guide to learn how to easily cancel your USAA insurance.

Before you cancel auto insurance policy with USAA, secure your best new auto insurance rates by entering your ZIP code into our free quote tool above.

5 Easy Steps to Cancel Your USAA Policy

You can cancel your USAA policy by following these steps:

• Step 1: Verify your renewal date
• Step 2: Compare car insurance quotes
• Step 3: Find a new car insurance policy
• Step 4: Cancel your USAA policy
• Step 5: Follow up on your refund

We will break down pertinent details below.

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How can I cancel my USAA auto insurance policy?

USAA auto insurance quotes are often very competitive. This is because the company serves the largest group of military personnel and their families in the nation. USAA also offers large consumer loyalty discounts.

However, it’s possible you performed a USAA auto insurance review and discovered that another provider can offer you cheaper rates for the same coverage. In that case, it might be time to cancel your current USAA policy.

First, you’ll need to gather the following information:

• Policyholder’s name, address, phone number, and birthdate
• Driver’s license number
• Policy number
• Specific date you’d like your policy to end

Next, go to the USAA website to cancel your policy entirely online. You can also use the USAA Mobile App. Both options are quick, easy, and relatively painless.

If you’d prefer to speak directly to a customer service representative, you can call the USAA headquarters at (800) 531-8722.

If you paid for your auto insurance policy in full and cancel before it is up for renewal, check with a USAA representative to see if you’re eligible for a refund.

The steps to cancel USAA renters insurance or other types of insurance from USAA are the same. Call the number listed above with the information listed above and inform the representative you speak to that you’d like to cancel your policy.

Will I be charged a fee if I cancel my USAA auto insurance policy?

USAA does not charge any cancellation fees when you terminate your auto policy. However, the company will ask you why you are canceling your coverage and may try to entice you to stay.

If you receive more affordable USAA auto insurance rates that better fit your needs, you’ll be able to sign a new contract.

Whether you choose to stick with your current USAA auto insurance company or pick up a policy from a different provider, be sure to compare rates from multiple different companies so you know you’re getting your best premiums.

What should I consider before canceling my auto insurance policy with USAA?

There are a few things to consider before you cancel your USAA auto insurance policy. First, find out what USAA discounts you’re currently eligible for.

Depending on how long you’ve been a USAA customer, you might be receiving multiple customer loyalty discounts that help keep your rates low.

See more details about what savings opportunities are available to USAA customers in the table below.

USAA Auto Insurance Discounts by Savings Amount

Auto insurance discounts stack together, and some are earned over time. Make sure whatever provider you switch to provides you with just as many as USAA, if not more.

There are two other important questions to consider before you cancel your USAA auto insurance policy. First, do you already have a new policy lined up? Second, did you pay for any coverage in advance?

Purchase a new auto insurance policy before officially canceling your USAA policy to avoid any gaps in your coverage.

Some insurance providers might put you into the high-risk category if there are any lapses in your coverage, even if it’s only a matter of days.

Similarly, auto insurance is legally required in 49 states. According to the Insurance Information Institute, getting caught driving without insurance could lead to fines as high as $5,000. In some states, owning a registered vehicle that is uninsured can also lead to hefty fees.

If you paid for your full policy up front and canceled before your renewal date, you might qualify for a refund. Because you are no longer using the coverage you technically paid for, USAA might refund you a portion of that money.

Verify the date of your policy renewal and contact a USAA insurance agent so you get back all of the funds you deserve.

You now know how to easily cancel USAA auto insurance. Verify your policy is officially terminated by checking on the status through your pre-existing USAA account.

Remember, before you cancel your current USAA insurance policy, you’ll want to enter your ZIP code into our free quote tool below to find your new auto insurance policy.