Auto and property billing FAQ

If your minimum due is less than $5, we’ll carry that amount over to your next statement instead of sending you a bill that month. This won’t count against you as a missed payment, and we won’t charge a late fee.

You can still make a payment toward your minimum due or balance any time.

It’s usually because we made your statement before you made the changes. The new amount due will be on your future bills.

To apply the new premium to your current bill, use Lower This Bill.

Your bill amount can change for several reasons at renewal or during your policy term.

If rates change or you add a driver to your policy, your auto premium may go up. Changes to how you get and pay your bill can also affect your installment fees.

Home renovations may cause your homeowners premium to change. Changing your due date could also cause you to be double billed. This happens when the last payment of your current policy and the first payment of your renewal are due at the same time.

If you got an NPC, it means you’re behind on your auto or property payments. You’ll get two bills: one for the original amount you owe and the other for the NPC. You’ll need to pay the amount on the NPC notice by the due date or your policy will be canceled. You can find the NPC amount and due date on the NPC document where it says, “Last day to pay.”

You can make payments for the full amount online before the cancellation date. For other options, call us at 800-531-USAA (8722).

It may be on your insurance bill because the mortgage company hasn’t paid the premium yet.

When we issue your policy, we send a bill to the mortgage company. If we don’t receive their payment in 30 days, we send a second bill to the mortgage company and a courtesy copy to you. We give the mortgage company a total of 60 days to pay before we bill you.

To make sure your mortgage information is correct, check it on your homeowners policy. If it is, ask them to send a payment. If it's incorrect, update that information.

If your mortgage company hasn’t paid the bill, you may get a notice that you’re behind on payments. Until they make a payment, you may want to cover the minimum due yourself before the cancellation date.
 

If you have another active policy with a balance, we’ll apply the credit to that insurance bill.

If you don’t or your state requires a refund, we’ll send you a refund electronically or in the mail.

• Electronic refund: This usually takes 1 to 3 days. We’ll send it to your verified bank account if you have one saved or one you use to make automatic payments.
• Mailed check: This usually takes 7 to 10 days. We’ll mail it to you if we can’t send the refund electronically.

In some cases, it may take up to 2 billing cycles for your credit to be refunded. After it processes, you can review this refund on your billing summary.

Learn how we bill and you can pay. We may also be able to help if you need more time to pay. Go to billing support

You can set up automatic payments from usaa.com or the mobile app. Log on to your profile to set up an APP.
An APP saves you money on installment fees and helps you stay on top of your payments.
Keep in mind that if you set up an APP, it starts the next due date. You’ll need to pay your current due date manually.

At any time, you can change your APP. Here are your options:

• Change the due date: This won’t take effect until your next billing statement
• Update the payment method: This will take effect immediately
• Change the amount of your automatic payment: Choose between the minimum due or balance. This will take effect on your next billing cycle.

• Pause your automatic payments: If you need more time to pay, you can pause your automatic payment. We won’t take your scheduled payment for the current bill. But you’ll need to make a one-time payment to avoid a late fee, if applicable. Your automatic payments will resume on your next bill.

• Cancel your automatic payments: Only the policyholder can cancel the APP and you may lose your APP discount on your auto policy and be subject to installment fees.

Express Pay is a quick and easy way to pay for your auto or property insurance without logging on to your account.

It's for everyone – spouses, parents, other family members and friends can all quickly make payments with Express Pay.

You'll need your debit or credit card, Bill ID and ZIP code.
You can find your Bill ID and ZIP code on your billing statement:
Bill ID:

• Find the section of your bill labeled "insurance bill."
• Your Bill ID will be near that title.
  ZIP code:
• Find your address on the bill.
• The ZIP code is at the end of your address.
  If you don’t have your billing statement, you can find your Bill ID in the emails and other documents we’ve sent you.

You can currently make payments using credit or debit cards. But we don't accept Discover cards. We keep your credit or debit card information secure and don't store it for future use.
We're working on adding more payment options like checks, checking and savings accounts, and payment apps like Google Pay and Apple Pay.

You can only use Express Pay for auto and property insurance bills. It's not available for small business or life insurance.
To pay other types of bills, including USAA Bank credit cards, loans and bills from other companies, you'll need to log on to pay bills.

You can find your payment history by logging on to your account and choosing “Bills” or in the USAA Mobile App by selecting “View full Billing Summary.

Yes. You'll get confirmation details and can save a copy of your receipt as a PDF.
We'll also notify the policyholder, and they'll find the payment reflected in their payment activity.

No, we don't charge any fees when you use this service.
You might see installment fees on your bill, but those aren't from Express Pay.

No. Express Pay is designed for one-time payments only.

You’ll have a line item titled “Installment Fee” on your insurance statement.
If you haven’t signed up for paperless statements and an APP, we’ll add the fee to your billing statement when we send it.

Fees depend on how you get and pay your bill.
Statement delivery method

• Paper: $2
• Online: No fee

Payment plan setting

• One-time payment: $3
• Automatic payment: No fee
   

Here are things you can do to reduce or avoid paying an installment fee:

• Set up automatic payments
• Choose online bill delivery
• Pay the remaining balance of your current auto policy term in Pay Bills

You can choose to pay your auto policy only from the list of bills.
But the policyholder needs to make these changes to avoid fees. If they’re done by a spouse or person who isn’t named on the policy, you’ll still get a fee.
 

We charge an installment fee to offset the costs of servicing one-time payments.
The cost of printing and mailing paper statements are significant. The labor and technology needed to process one-time payments also adds to our servicing costs.
 

You can change or cancel a payment on usaa.com or the mobile app from bill pay. Find the payment in your recent activity and choose to modify or cancel it.

In most cases, if you pay from a bank account, you need to make changes at least 1 business day before the due date.

If you cancel your pending automatic payment, you’ll need to make a payment to keep the account current.
 

You can add a new checking or savings account, or a debit or credit card from Pay Bills.

Find your bill and select “Add an Account”.

After you add the account, you can use it to make a one-time payment or update your APP.
 

If you need more time to pay, you have a few options. You might be able to:

• Pause your payment. If you’re signed up for the Automatic Payment Plan, you can pause your payment. That’ll give you extra time 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. If this is your second missed payment, you can still pause your payment temporarily. But if you don’t pay by the next due date, you could get a nonpayment cancellation
• 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. If you need more than a month to catch up, you might be able to spread your balance out for longer. 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. To start the process, select “Need more time to pay.”

Yes. If you have a joint account with your spouse, they can log on to add their credit card. Then you can use their card to make a one-time payment through Pay Bills.

If you want to use their card or bank account for automatic payments, they need to add it as a payment account on their profile first. After they log on, they can add and manage payment accounts from Pay Bills.
 

We may restrict your payment method if you’ve had 4 or more returned payments in the 12 months.
If this happens, you can still make a payment by:

• Credit card.
• Debit card.
• Money order.
• Cashier’s check.

After 12 months of payments with no returns, you can use a bank account or check to pay again.
 

You might still owe for the coverage you had before your policy was canceled. This may also include fees or adjustments.

Your total balance includes charges for both active and canceled policies. We add up the amount owed for each policy to give you your total.

You can check the status of your policies in the Insurance section of our app or on USAA.com. They'll be labeled as active, expired or canceled.

You can't reactivate a canceled policy, but you can apply for a new one.
Before you start a quote, you’ll need to pay any outstanding balance on your old policy.

Unpaid balances may affect your ability to purchase new policies. We recommend resolving any outstanding amounts as soon as possible.