How to Cancel USAA Insurance in 2026

Updated March 3, 2026 • 7 min read

Before You Cancel: Critical Steps

1. Get new coverage FIRST: Never cancel insurance before your replacement policy is active. Even a single day without auto insurance can result in fines, license suspension, or denied future claims
2. Check your lender requirements: If you have a mortgage or car loan, your lender requires insurance. Canceling without replacement can trigger force-placed insurance (expensive)
3. Review open claims: If you have an active claim, wait until it's resolved. Canceling mid-claim can complicate payouts
4. Compare rates: Get quotes from GEICO, State Farm, Progressive, and Liberty Mutual before deciding

How to Cancel USAA Auto Insurance

1. Confirm your new auto insurance policy is active (get the policy number and effective date)
2. Call USAA at 1-800-531-8722
3. Tell the representative you want to cancel your auto policy
4. Provide your new insurer's name, policy number, and coverage start date
5. Set the cancellation date to match the start of your new policy (no gap)
6. Request written confirmation and your prorated refund amount

How to Cancel USAA Home/Renters Insurance

1. Secure replacement homeowners or renters insurance
2. Notify your mortgage company of the change (they need the new insurer on file)
3. Call USAA at 1-800-531-8722
4. Request home/renters policy cancellation with your replacement policy details
5. If your homeowners insurance is escrowed through your mortgage, coordinate the refund with your lender

Why USAA Is Hard to Beat

Before leaving, consider what makes USAA unique:

• Subscriber's Savings Accounts (dividends): USAA returns profits to members — you may get an annual dividend check
• Military-specific coverage: Deployment discounts, overseas coverage, storage discounts for deployed vehicles
• #1 customer satisfaction: Highest-rated by J.D. Power in auto, home, and renters categories
• Claims handling: Consistently top-rated for fast, fair claims processing
• Bundle discounts: Multi-policy discounts (auto + home + renters) can be significant

Discounts to Ask About Before Canceling

Call USAA and specifically ask about:

• Safe driver discount: No accidents or tickets in 5+ years
• Defensive driving course: Some states offer 5-10% off for completion
• Low mileage discount: Under 7,500 miles/year
• Multi-vehicle discount: 2+ cars on the same policy
• Good student discount: Students with 3.0+ GPA
• Loyalty discount: Long-term members sometimes qualify for rate reductions
• Garage discount: Parking in a garage vs. on the street

Your Prorated Refund

USAA provides prorated refunds for the unused portion of your premium:

• Refund is based on the number of days remaining in your policy period
• Processed within 7-10 business days
• Returned to your original payment method
• If escrowed (homeowners), the refund goes to your mortgage company's escrow account

USAA Membership vs. Insurance

Important distinction: canceling insurance does NOT cancel your USAA membership. You keep:

• USAA banking and credit cards
• Investment accounts
• Membership benefits and discounts
• Ability to re-enroll in insurance later

Your USAA member number stays active. You can always get an insurance quote again in the future.