How to Cancel Your AAA Auto Insurance Policy (2024)

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.

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.

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