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Cancel USAA Auto Insurance

We’ll explore all your options to help you make the best decision.

We understand things change.

Your financial security is important to us, and we want to make sure you're protected. Before you cancel your policy, consider your options and ways to save.

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Ways to lower your USAA Auto Insurance premium

Has your auto insurance premium gone up? You can do a few things to help lower the cost.

Enroll in USAA SafePilot®

Save 10% just by enrolling. When your policy renews, your safe driving habits can save you up to 30%.‍ ‍

Learn about USAA SafePilot®

Review existing discounts

Make sure you’re getting all the discounts you qualify for.

Review discounts

Review your coverage

Check that your coverage amount and deductible are still right for you.

Review coverage

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Reasons you may not need to cancel

When your needs change, your policy can too. Instead of canceling your auto insurance, another option may be updating it.

Storing your car

You could save up to 60% on your premium if your vehicle’s in storage.‍ ‍

Store a vehicle

Selling a vehicle

If you have multiple cars on your policy, you can remove the one you’re selling

Remove a vehicle

Moving to another state

We offer USAA Auto Insurance in all 50 states.

Update your policy

Deploying or moving overseas

You can discuss your coverage options and adjust your policy by calling us at 800-531-USAA (8722).

Learn about overseas insurance

Other things to consider

Switching companies could mean fewer benefits.

If you’ve found a lower rate somewhere else, make sure you’re comparing the same types and levels of coverage.

You may lose your bundled savings.

You may lose savings on your premium if you also have property insurance with us.

We know what it means to serve.

We understand the unique needs of military members and their families.

Need to do something else?

If you don’t want to cancel, you can make other changes or get policy documents anytime. Common things include:

  • Filing a claim.
  • Getting ID cards.
  • Updating your address.
  • Adding drivers. 
View my policy

How to cancel your auto policy

If you’re sure that canceling is the best decision for you, we understand. All you need to do is talk to a representative.

Call 800-531-USAA (8722)

For TTY devices, dial 711

Hours of operation for USAA

Monday to Friday
6 a.m. to 10 p.m. CT
Saturday
8 a.m. to 8 p.m. CT
Sunday
Closed
All major Holidays
Closed

Days and times may vary.

Cancel auto insurance FAQ

If you're selling your car, don't cancel until after you’ve sold it. Even if you're not driving the car, you may still be liable for anything that happens to it.

If you're switching insurance companies, wait until your new policy is in effect to avoid a gap in coverage.

In most cases, we’ll send you a refund within 3 to 10 business days unless you have an outstanding balance. We’ll mail you a check or deposit the money in your bank account, depending on your payment method. If you have questions, call us at 800-531-USAA (8722).

Not paying your bill can affect your credit and ability to get other insurance. If you don't pay your bill, your policy will be canceled.

As a result, you may pay higher rates if you decide to come back. Plus, you might not qualify for certain discounts.

Other resources

5 ways to help lower auto insurance rate

Article: 3 minutes

Read article: 5 ways to help lower auto insurance rates

Drive less, pay less: The perks of usage-based insurance, or UBI

Article: 4 minutes

Read article: Drive less, pay less: The perks of usage-based insurance, or UBI

Auto insurance tip: Are you buying too much car?

Article: 5 minutes

Read article: Auto insurance tip: Are you buying too much car?

Related footnotes:

  1. New or renewal policies underwritten in United Services Automobile Association (USAA), USAA Casualty Insurance Company, USAA General Indemnity Company and Garrison Property and Casualty Insurance Company may see savings off premium at renewal and receive initial participation discount. Participation discount expires at first renewal in which the earned driving discount is applied, not to exceed 365 days. Earned driving discount is offered at renewal and is based on driving behavior of all the rated drivers on the policy. Discount will vary by program selected and may vary by state. Discounts are subject to change over the life of the policy. 

    New or renewal policies underwritten by any other USAA affiliate not named in paragraph above on or after October 2026 may provide savings off renewal premium or may be subject to an increase at renewal. USAA SafePilot initial participation discount is applicable only to your initial enrollment for up to 365 days or until you have earned a personalized safe driving adjustment. Policies remaining consistently enrolled term to term may receive a discount at new business and renewal. When a member is unenrolled from the program after earning a qualified driving score, a prior performance factor may be applied and may result in an increase or decrease to subsequent policy terms for that member, regardless of enrollment. Terms, savings, increases and discounts may vary by location. Programs are subject to change. May not be available in all locations. 

  2. Storage Discount is not available in North Carolina and Virginia. To qualify for the discount, the vehicle must not be driven and must be stored in a secure location. Other restrictions may apply.

Related footnotes:

  1. Use of the term "member" or "membership" refers to membership in USAA Membership Services and does not convey any legal or ownership rights in USAA. Restrictions apply and are subject to change. To join USAA, separated military personnel must have received a discharge type of Honorable or General Under Honorable Conditions. Eligible family members may also join USAA.

  2. Auto Insurance underwritten by United Services Automobile Association (USAA), USAA Casualty Insurance Company, USAA General Indemnity Company, USAA County Mutual Insurance Company, USAA Falcon Property & Casualty Insurance Company, Garrison Property and Casualty Insurance Company, based in San Antonio, Texas; USAA EU DAC (Europe), and USAA EU DAC UK Branch (United Kingdom), and is available only to persons eligible for P&C group membership. Each company has sole financial responsibility for its own products.

    Coverages subject to the terms and conditions of the policy.

    Learn about USAA's use of Artificial Intelligence.

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