How to Cancel USAA
USAA provides insurance, banking, and financial services to US military members and their families. Cancellation of insurance policies is done by phone. Banking products can be managed online.
Steps verified March 2026
Quick Facts
Cancel online?
No — phone/letter required
Pause option?
No
Refund policy
Insurance policies are prorated for unused portions. Banking fees vary.
After cancellation
Membership records retained permanently. Policy docs available for 7 years.
What to Watch Out For
- Retention team highlights military-exclusive benefits.
Direct Debit & Billing Warnings
- USAA membership cannot be cancelled once established, only insurance and banking products.
Cancellation Steps
Go directly to USAA cancellation pageCall USAA
Phone 1-800-531-8722 for member services.
Request policy cancellation
Specify which policy you want to cancel (auto, home, renters, etc.).
Provide required information
Your member number, policy number, and cancellation date.
Get confirmation
Request written confirmation and any refund details.
Tips & Things to Know
- Auto insurance refunds are prorated for the unused portion.
- Ensure you have replacement coverage before cancelling insurance.
- Membership itself cannot be cancelled once established.
Your Consumer Rights
- State insurance regulations govern cancellation and refund requirements.
- Federal banking regulations protect account holders.
Frequently Asked Questions
Can I cancel online?
Banking products partially. Insurance policies require a phone call.
Will I get a refund?
Insurance premiums are prorated for the unused portion.
Can I cancel my membership?
No, USAA membership is permanent once established.
Do I need replacement coverage first?
Yes, ensure continuous coverage before cancelling auto or home insurance.
What about my banking?
Banking accounts can be closed separately.