Auto and property billing FAQ

If your minimum due is less than $5, we’ll carry that amount over to your next statement instead of sending you a bill that month. This won’t count against you as a missed payment, and we won’t charge a late fee.

You can still make a payment toward your minimum due or balance any time.

Sometimes the timing of policy changes won’t change your amount due. That’s usually because we generated your statement before the adjustment could be made. You’ll see the new amount due on your future bills. To apply the new premium to your current bill, use Lower This Bill.

Your bill amount can change for several reasons and at different times. It may increase or decrease when your policy renews because of things like rate changes. It can also change during your policy term. Let’s say you add a driver to your policy. This is one of the reasons your auto premium may go up.

Updating your home characteristics to include home renovations may cause your homeowners premium to change. Changing your due date could cause you to be double billed. This happens when the last payment of your current policy and the first payment of your renewal are due at the same time.

If you got an NPC, it means you’re behind on your auto or property payments. You’ll get two bills: one for the original amount you owe and the other for the NPC. You’ll need to pay the amount on the NPC notice by the due date or your policy will be canceled. You can find the NPC amount and due date on the NPC document where it says, “Last day to pay.”

You can make payments for the full amount online before the cancellation date. For other options, call us at 800-531-USAA (8722).

It may be on your insurance bill because the mortgage company hasn’t paid the premium.

When we issue your policy, we send a bill to the mortgage company. If we don’t receive the payment in 30 days, we send a second bill to the mortgage company and a courtesy copy to you. We give the mortgage company a total of 60 days to pay before we bill you.

To make sure it's correct, check your mortgage information on your homeowners policy. If it is, ask them to send a payment. If it's incorrect, you'll need to update your mortgage information.

If you have another active policy with a balance, we’ll usually apply it to that insurance bill as a credit.
If you don’t have a balance or active policy, we’ll mail you a check. Or we’ll send the refund to the account you use for automatic payments.
Typically, you’ll get your refund in 2 weeks, but it can take up to 2 monthly billing cycles. You can review the refund and any interest on your billing summary.
 

Learn how we bill and you can pay. We may also be able to help if you need more time to pay. Go to billing support

Log on to usaa.com or the mobile app and scroll to the insurance section. On usaa.com, choose "Insurance Bill," or in the mobile app, choose "Bills.” From there:

• Select “Set Up Automatic Payments.”
• Decide if you want to pay the monthly minimum or statement balance.
• Choose if you want to pay once a month or twice a month.
• Select your payment date and the account you want to use for payments.
• Verify your information and select “Done.”

If you set up an APP with a non-USAA bank account, you’ll need to verify the account.

To cancel your APP, contact us at 800-531-USAA (8722). Keep in mind that canceling your APP may cause you to lose a discount and increase your premium.

Instead of canceling, you can always make changes to your APP.

If you change the due date, it won’t take effect until the next billing cycle.

You can also update your payment method. You’ll need to make the change at least two business days before your payment due date.

If you need more time to pay, you can pause your APP payment. To learn how, take a look at our billing support information.

Members will see a line item titled "Installment Fee" on their insurance statement.

Statement Delivery Method

Paper: $2.00

Electronic/Paperless: No fee

Payment Plan Setting

Not on Automatic Payment Plan (APP): $3.00

On Automatic Payment Plan (APP): No fee

You can reduce or avoid paying an installment fee in the future by:

• Signing up for Automatic Payment Plan (APP)
• Enrolling in online/electronic delivery (paperless) of your insurance bill
• Paying the remaining balance of your current auto policy term in full

Here’s how to enroll in an Automatic Payment Plan (APP):

1. Log on to USAA.com
2. In the Insurance section, select Insurance bill
3. Click set up automatic payments
4. Follow the prompts to set up APP

Here’s how to go paperless for your statements:

1. Log on to USAA.com
2. In the top blue banner, click your initials
3. In the drop down menu, click on Communication Preferences
4. Click on alerts and documents to launch to account messaging
5. On the left-hand side toolbar click on Insurance 
6. Click on Auto & Property
7. Under Auto & Property Documents change delivery preferences for Auto & Property Statements to Online
8. Read and agree to USAA’s Electronic Delivery Consent
9. Click save

USAA continually evaluates ways we can serve our members with excellence, maintain exceptional value, and reduce costs of operations.

Operational costs for printing and mailing paper statements can be significant. The labor and technology associated with processing one-time payments increases costs to the association. The installment fee helps offset some of these processing costs.

On usaa.com:

1. Log on and select "Pay Bills."
2. Select “Recent Payment Activity.”
3. Open the “I want to …” dropdown and select either “Modify this Payment” or “Cancel this Payment.”

On the USAA Mobile App:

1. Log on and select “Pay Bills” from the banking section.
2. Select “USAA Insurance Bill.”
3. Choose “Activity.”
4. Select the pending payment.
5. Choose either “Modify” or “Cancel.”

There are time restrictions on changing or canceling a pending payment. In most cases, if you pay from a bank account, you need to make changes at least one business day before the due date. If you pay with a credit card, you usually need to make changes at least two business days before the due date.

If you cancel your pending automatic payment, you’ll need to make a payment to keep the account current.

You can add a new checking or savings account, or a debit or credit card, using these steps:

1. Log on to usaa.com or the mobile app and select "Pay Bills" from the banking section.
2. Select “USAA Insurance Bill.”
3. From your list of payment accounts, select “Add an Account.”

Once the account is added, you can use it to make a one-time payment or update your APP.

If you need more time to pay, you have a few options. You might be able to:

• Pause your payment. If you’re signed up for the Automatic Payment Plan, you can pause your payment. That’ll give you extra time to pay. Your next bill will include your regular amount and any amount you didn’t pay the month before. A late fee may apply. If this is your second missed payment, you can still pause your payment temporarily. But if you don’t pay by the next due date, you could get a nonpayment cancellation
• Carry over your payment. Let us know before you miss a payment, and you could qualify to carry over your balance. You’ll pay your regular amount and past due amount on your next bill. A late fee may apply.
• Spread out your payment. If you need more than a month to catch up, you might be able to spread your balance out for longer. First, you’ll need to let us know how much of the current bill you can pay. Then, if you qualify, we’ll spread the remaining balance over your next three bills. To start the process, select “Need more time to pay.”

Yes. Your spouse needs to log on to their account and add the credit card. Then, you can use it to make a one-time payment through USAA Pay Bills. You just won’t be able to add it to your list of payment accounts.

If you want to use your spouse's credit card, debit card or bank account for automatic payments, they can add it to “Payment Account.”

We may restrict your payment method if you’ve had 4 or more returned payments in the 12 months.
If this happens, you can still make a payment by:

• Credit card.
• Debit card.
• Money order.
• Cashier’s check.

After 12 months of payments with no returns, you can use a bank account or check to pay again.