How to Cancel USAA Auto Insurance in 2024

To cancel auto insurance with USAA, call 1-800-531-8722 and ensure you have your policy number and other information handy. You can also cancel your USAA auto insurance policy online or on the mobile app.

If you’re still driving, ensure you have a new car insurance policy from one of the best auto insurance companies before your USAA policy ends. Read on to learn all the important details of how to cancel your USAA auto insurance on the mobile app, by phone, or online.

How to Cancel Your USAA Auto Insurance Policy

If you have an active USAA auto insurance policy, you will need to follow the steps listed below. 

1. Sign up for a New Policy Before Canceling

It is vital to sign up for a new policy before canceling your USAA auto insurance policy. Even a few days in between coverages counts as a lapse of insurance. Since driving without auto insurance is illegal, a lapse in insurance usually results in higher insurance rates in the future. 

Make sure your new insurance policy starts the same day or the day before your cancellation date with USAA. 

Of course, if you’re selling your car and no longer drive, it’s legal to cancel auto insurance altogether without signing up for a new policy. USAA may ask you to send proof of a bill of sale to the USAA fax number. However, if you are no longer driving but still have a car, you still need to carry your state’s minimum auto insurance requirements. 

2. Gather Necessary Information

To cancel your car insurance policy with USAA, you’ll need to know your USAA auto insurance policy number. You can usually find this by looking at your account online or any bills you may have received from USAA. 

USAA will likely also ask for basic information like your name and reason for cancellation. 

3. Cancel Auto Insurance With USAA

Call the USAA car insurance cancellation number at 1-800-531-8722 to proceed. You can also cancel your USAA car insurance policy online, by fax number, or through the mobile app.

4. Confirm USAA Auto Insurance Cancellation

USAA should send you a confirmation email that your auto insurance policy with the company has ended. It’s important to check that you receive the proof of cancellation. 

While rare, there are times when insurance companies make mistakes and policies aren’t canceled correctly. Customers are then accidentally charged for another month or two of coverage if they are on an autopay payment plan. If you have autopay set up, just check the month after to ensure you aren’t charged as a precaution.

How to Make Changes to Your Policy Instead of Canceling

If you’re considering canceling your insurance policy because you need cheap auto insurance, it may be worth speaking to an agent first. Most insurance companies want to keep their clients and may offer additional auto insurance discounts or work with them to help reduce their insurance costs.

For example, you can remove your USAA gap insurance to reduce your USAA costs while still maintaining your policy. Read more about how to manage your auto insurance policy.

Finally, if you have merely gotten a USAA car insurance quote and not purchased USAA insurance, then there’s no need to cancel. A USAA auto quote may prompt you to purchase insurance once you receive your quote, but unless you pay and sign up, there’s no need to worry about canceling.

More About Canceling Your USAA Auto Insurance by Phone or Online

Canceling your USAA car insurance policy is fairly straightforward. First, if you continue to drive, it’s important to have a new insurance policy lined up before cancellation to avoid a lapse in coverage. Then, you simply need to call USAA to cancel.

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— AutoInsurance.org (@AutoInsurance) July 31, 2023

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