How to Cancel USAA Insurance in 2026 (Switch Without Losing Military Benefits)

Updated 2026-02-20 · 6 min read

Before You Cancel: Important Considerations

• USAA banking is separate: Canceling insurance does NOT close your USAA bank account, credit card, or investment accounts
• Membership stays: Your USAA membership remains active even if you cancel all insurance products
• Bundled discounts: If you have auto + home + renters with USAA, removing one may increase the rate on others
• Dividend: USAA occasionally returns a dividend to auto insurance policyholders — check if one is pending
• Deployment benefits: USAA offers rate reductions and storage insurance during deployment — commercial insurers don't

Step 1: Get Competing Quotes

• GEICO Military: 15% military discount — often competitive with USAA
• Armed Forces Insurance: Military-exclusive, based in Kansas — less known but often cheaper
• AMICA: Consistently top-rated for customer service
• State Farm: Largest insurer, wide agent network, competitive rates
• Erie Insurance: Available in 12 states, extremely competitive when available
• Quote tools: Policygenius, The Zebra — compare multiple in minutes
• Important: Match USAA's coverage limits exactly when comparing — don't just compare price

Step 2: Activate New Insurance First

1. Purchase the new policy with a start date that overlaps your USAA cancellation
2. Get your new insurance card and declaration page
3. Confirm the new policy is active in the insurer's system
4. Update your vehicle registration if your state requires proof of insurance
5. Notify your mortgage company if switching home insurance (provide new dec page)

Step 3: Cancel USAA Insurance

1. Call USAA: 1-800-531-8722 (available 24/7)
2. You can also cancel through the USAA app or usaa.com
3. Provide your new insurer's name and policy number (they'll want to verify you have coverage)
4. Specify the cancellation date — should match your new policy's start date
5. Request written confirmation and your prorated refund
6. USAA is generally professional about cancellation — less retention pressure than commercial insurers

When USAA Is Still Worth Keeping

• Active duty with PCS moves: USAA handles frequent relocations better than most insurers
• Deployment: Rate reductions and vehicle storage insurance during deployments
• Overseas stationed: USAA provides coverage in locations where most insurers won't
• Claims experience: USAA's claims process is consistently rated highly — if you have frequent claims, their service may be worth the premium
• Bundling everything: If you have banking, credit card, investments, and insurance all with USAA, the ecosystem has value