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Originally Posted by host
My advice:
If your new insurer does not levy a large cancellation fee, switch back to USAA ASAP, but "pay" the money you save in cost of premiums into an account intended to cushion you against any future, unplanned mishaps, i.e., the potential of making another auto insurance claim. Consider using the money you accumulate to mitigate the risk of changing your collision/comprehensive deductible amount, say, from $500 to $1,000; a change that should lower your premium further.
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It is illegal for an admitted insurance company (and all states require that personal auto be written by admitted carriers) to have any sort of minimum earned premium. That means that you can cancel the coverage the day after binding coverage and not have to pay an exorbitant fee.
That does not mean that you will necessarily get a prorated return premium. You could get a "short rate" return, which means that it is the prorated premium minus a percentage (typically 10% but possibly as much as 20%). It may not be spelled out in the policy wording, but they have to disclose it if you ask.
So ask Geico and see what they say.