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How to Cancel USAA

USAA insurance policies can only be cancelled by phone, though the process is straightforward. You'll receive a prorated refund for unused premium. Note that USAA membership itself cannot be cancelled once established.

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Quick Facts

Cancel online?
No — phone/letter required
Pause option?
No
Refund policy
Insurance premiums are prorated for unused coverage. Refunds are issued within 7-10 business days of cancellation.
After cancellation
Membership records are retained permanently. Insurance policy documents are available for 7 years after cancellation.

Cancellation Steps

Go directly to USAA cancellation page

  1. Call USAA member services

    Phone 1-800-531-8722 and request to cancel your insurance policy.

  2. Specify which policy

    Tell the representative which policy you're cancelling (auto, home, renters, etc.).

  3. Provide policy details

    Give your member number, policy number, and requested cancellation date.

  4. Confirm refund details

    Ask for written confirmation and details about your prorated refund.

Tips & Things to Know

  • Secure replacement coverage before cancelling auto or home insurance to avoid a lapse.
  • Request written confirmation by mail or email for your records.
  • Your prorated refund will be sent within 7-10 business days after cancellation.

Your Consumer Rights

  • State insurance regulations govern cancellation timelines and refund requirements.
  • The FTC enforces fair practices for financial services cancellations.

Frequently Asked Questions

Can I cancel USAA insurance online?
No. Insurance policies must be cancelled by phone at 1-800-531-8722.
Will I get a refund?
Yes. Premiums are prorated for unused coverage and refunded within 7-10 business days.
Can I cancel my USAA membership?
No. Once established, membership is permanent. You can only cancel individual insurance and banking products.
Do I need new insurance before cancelling?
Yes. Ensure you have replacement auto or home insurance in place to avoid coverage gaps.
Can I close my USAA banking account?
Yes. Banking accounts can be closed separately, though you retain membership status.

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