How to Cancel Your AAA Auto Insurance Policy (2025)
You can cancel your AAA auto policy over the phone or in person at a local branch.
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Written byAnna Baluch
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MBA from Roosevelt University
Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.
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5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
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Table of contents
If you’re a current AAA customer looking for cheaper rates, better coverage, or superior customer service, you don’t have to wait for your renewal date to switch car insurance companies.
Generally, you can cancel a policy whenever you like — provided you have a new policy lined up to replace the one you’re canceling.[1] A lapse in car insurance coverage can have serious financial and legal consequences, so it’s important to maintain continuous coverage.
Comparing car insurance quotes from multiple insurance companies is the best way to find a new, affordable policy that works for your needs. Here’s what you should know about canceling your auto policy with AAA.
AAA cancellation policy
To cancel a policy with AAA, you’ll need to call the customer support number at 1 (800) 387-8378. You can also cancel in person with an agent at the nearest AAA location. Either way, you’ll need to have your policy number on hand.
AAA doesn’t disclose any type of cancellation fee on its website. Despite this, some customers have reported that they had to pay a fee equal to 10% of the remaining balance left on their policy. To find out if a cancellation fee applies to your AAA policy, contact your insurance agent.
Fortunately, you can cancel your AAA auto insurance policy and still keep the towing coverage and other benefits that come with an AAA membership. AAA allows anyone to take advantage of its roadside assistance program, regardless of which car insurance company you choose.
Step 1: Look up your renewal date
Ideally, you’d cancel your AAA car insurance policy as close to the renewal date as possible. The closer you are to your renewal date, the easier the process will be. To find your renewal date, search your account information on AAA’s website or call 1 (877) 387-8378 to speak to a customer service representative.
In addition to simplifying your cancellation, knowing your renewal date can help you lock in new car insurance coverage before your policy ends. If your AAA policy is up and you don’t have a new policy, you’ll face a coverage gap, which can be problematic if a police officer pulls you over or if you get into an accident.
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Learn More: How to Get Auto Insurance on Saturday
Step 2: Compare car insurance quotes
Insurance policy costs can vary significantly depending on multiple factors, including your driver profile, driving history, location, type of vehicle, and the insurance company you choose.[2] It’s a good idea to compare quotes from multiple insurers before making a choice.
Be sure to request quotes for the same coverage levels, discounts, and deductible amounts so you can get a true picture of which policy will give you the most for your money.
Don’t cancel your AAA policy until you have a new one lined up. Driving while uninsured is illegal in almost every state. Also, if you’re held liable for a car accident without auto insurance, you’ll have to pay for any damages out of pocket.
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Step 3: Secure a new car insurance policy
Before you cancel your AAA car insurance, don’t forget to enroll in a new policy so you can avoid a gap in coverage. Once you’ve found your ideal auto insurance policy, reach out to the car insurance company to sign up. Depending on the insurer, you may have to work directly with an agent.
Be prepared to provide your new insurance company with some basic personal details as well as financial information. Most insurers will pull your credit history and ask for the following to determine your premium:
Desired effective date
Date of birth
Vehicle identification number (VIN)
Payment info, such as your credit card number
Step 4: Cancel your AAA policy
Once you’ve signed up for a new car insurance policy, you’ll be free to cancel your AAA policy. You won’t be able to cancel your AAA policy online. Instead, you’ll need to contact the company by phone or cancel in person. Here’s how to cancel:
Cancel by phone: To cancel your coverage over the phone, call the AAA office in your local area. Visit the AAA website and enter your ZIP code on the “Find a Location” page. You can also call AAA’s general car insurance line at 1 (877) 387-8378 or the customer service number listed on your insurance card. Just be prepared to wait and follow prompts, as this may be an automated system.
Cancel in person: Since AAA has agents throughout the country, you can visit a local branch and go through the cancellation process in person. If you live close to a location and think you’ll need some extra help from an agent, canceling in person is a good idea, especially if you have the time for it.
Step 5: Follow up on your refund
You may have paid all your premiums up front to land a discount or to simply get it off your plate. If so, you may be eligible for a refund from AAA. Since you must talk to an insurance representative to cancel your policy, be sure to ask if you’re due a refund, how much it’ll be, and when you can expect to receive it.
If it’s been a few weeks since you canceled your AAA insurance policy and you still haven’t received your refund, follow up with your insurance agent or contact AAA directly.
How AAA quotes stack up vs. competitors
AAA is a well-established name in automotive services and is probably most known for its roadside assistance program. As a car insurer, AAA offers numerous discounts, including excellent ones for younger drivers.
But AAA auto insurance isn’t available in every state, and you’ll have to be a member to get it. This insurer also generally has higher rates than other insurance companies. Check out the insurers in the table below to see if there might be a more affordable option for you.
The below rates are estimated rates current as of: Thursday, December 4 at 11:00 AM PST.
Insurance Company  | Average Quote: Full Coverage | Average Quote: Liability Only |
|---|---|---|
| State Farm | $108 | $56 |
| Allstate | $140 | $75 |
| GEICO | $140 | $90 |
| Progressive | $172 | $97 |
| Nationwide | $181 | $96 |
| CSAA | $183 | $129 |
| Liberty Mutual | $213 | $157 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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AAA insurance FAQs
After you cancel your AAA car insurance policy, you’ll receive a final notice by mail and email. If you still have questions about canceling your coverage, check out the additional information below.
Does AAA charge a cancellation fee?
AAA doesn’t specify on its website whether it charges a cancellation fee. But some customers have reported charges equal to 10% of their remaining policy balance. Generally, insurers can legally charge cancellation fees. But many don’t.
Can you cancel your AAA policy at any time?
Yes. But the ideal time to cancel your AAA insurance coverage is three to four weeks before your renewal date. This way, you’ll have time to shop around, compare insurance rates, and find a new insurer.
How can you confirm your AAA insurance policy is canceled?
After you cancel your AAA car insurance policy, you’ll receive a final notice by mail and email. Depending on how you paid for your coverage, AAA may also issue you a refund. This refund will be prorated from your cancellation date to the end of your term. Follow up with AAA if you haven’t received confirmation within a few weeks.
Does AAA have a grace period for non-payment?
Yes. Most insurers allow policyholders some extra time to make payments — called a grace period. A grace period may be several days to as many as 30 days after a payment due date. Check your policy documents or ask your insurance agent to determine what grace period, if any, applies to your policy.
Will you lose roadside assistance if you cancel your AAA car insurance?
You first must have a AAA roadside assistance membership in order to get a AAA car insurance policy. But as long as you maintain your roadside assistance membership and keep paying the membership fee on time, canceling your AAA car insurance shouldn’t cause you to lose your roadside assistance plan.
How do you cancel your car insurance online?
Some insurers provide policyholders with the ability to cancel or change their coverages through an online customer account. For those companies, you can log into your online account to terminate your policy.
AAA doesn’t allow online cancellation. You’ll need to either call AAA customer service or speak to an agent in person to cancel your AAA car insurance policy.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- National Association of Insurance Commissioners. "A Consumer's Guide to Auto Insurance."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
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Anna BaluchInsurance Writer
Anna Baluch is a Cleveland-based personal finance and insurance expert. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions. Her work can be seen across the internet on many publications, including Freedom Debt Relief, Credit Karma, RateGenius, and the Balance. Connect with Anna on LinkedIn.
Anna has been a contributor at Insurify since December 2022.
7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
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