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How USAA bills you for auto and property policies

One bill

You’ll get one bill for all your USAA auto and property policies. If your mortgage company pays your homeowners insurance, we’ll bill them. You’ll get separate bills for your other insurance agency policies, like flood and windstorm.

Monthly

If you haven’t paid your premium in full, you’ll get a bill every month with your minimum amount due. Get your bills faster when you sign up for online documents.

Automatic renewals

We automatically renew most policies. If your policy premium changes at renewal, your amount due could also change. View renewal packets and bills in My Documents.

Paying my bill

What to pay

You can pay your premium in full or pay the minimum amount due each month. If you pay more than the minimum, it’ll lower your next bill.

Ways to pay

How to pay

You can make your payment using a credit card, debit card, bank account or check. We don’t accept cash payments.

Automatic payments

Choose the account you want to pay from, your payment date and if you want to pay your balance in full, monthly or twice a month when you set up an automatic payment plan, or APP. Then, you can sign up for alerts and we’ll remind you five days before your due date.

Why did my bill amount change?

Your bill amount can change for several reasons. If rates change or you add a driver to your policy, your auto premium may go up.

And home renovations may cause your homeowners premium to change.

 

Need more time to pay?

Pause your payment.

If you’re signed up for APP, you may be able to pause your payment. That’ll give you an extra month to pay. Your next bill will include your regular amount and any amount you didn’t pay the month before. A late fee may apply.

Carry over your payment.

Let us know before you miss a payment, and you could qualify to carry over your balance. You’ll pay your regular amount and past due amount on your next bill. A late fee may apply.

Spread out your payment.

Need more than a month to catch up? First, you’ll need to let us know how much of the current bill you can pay. Then, if you qualify, we’ll spread the remaining balance over your next three bills.

What if I received a nonpayment cancellation, or NPC?

If you got an NPC, it means you’re behind on your auto and property payments. You’ll need to pay the amount on the NPC notice by the due date to stop the cancellation.

You can make payments for the full amount online before the cancellation date. For other options, call us.
 

Other billing support questions

For most bill pay services, enter only “USAA” when adding the bill and select “USAA Property & Casualty” from the list of options. Our address is 9800 Fredericksburg Road, San Antonio, TX 78288-0001. Make sure it’s entered correctly and includes the last four digits of the ZIP code.

For the account number, enter your USAA number without any leading zeros, dashes, spaces or policy numbers. If your bank requires a nine-digit number, enter as many zeros as needed before your USAA number to bring the total to nine (example: 001234567). You can find your USAA number in your profile