How to Cancel Your AAA Auto Insurance Policy in 5 Easy Steps (2024)

Anna Baluch
Written byAnna Baluch
Photo of an Insurify author
Anna BaluchInsurance Writer
  • 4+ years writing insurance and personal finance content

  • MBA from Roosevelt University

Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.

Featured in

media logomedia logomedia logo
Evelyn Pimplaskar
Evelyn PimplaskarEditor-in-Chief, Director of Content
  • 10+ years in insurance and personal finance content

  • 30+ years in media, PR, and content creation

Evelyn leads Insurify’s content team. She’s passionate about creating empowering content to help people transform their financial lives and make sound insurance-buying decisions.

Featured in

media logomedia logomedia logo

Updated March 1, 2024 at 11:00 AM PST

Save up to $717 by comparing quotes from the top 100+ insurance companies

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers
Advertiser Disclosure

At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.

We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.

Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.

Whether you’re looking for cheaper rates, better coverage, or superior customer service, you don’t have to wait for your renewal date to switch car insurance policies. Generally, you can cancel a policy whenever you like — provided you have a new policy lined up to replace the one you’re canceling. 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.

Quick Facts
  • Canceling a car insurance policy with AAA is easy.

  • You can cancel via phone or in person at a local AAA branch.

  • Before you cancel, make sure you find a new car insurance plan.

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 a AAA membership. AAA allows anyone to take advantage of its roadside assistance program, regardless of who you choose for your car insurance company.

Find Great Rates

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

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.

Learn More: How to Get Auto Insurance on Saturday

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. It’s a good idea to compare quotes from multiple insurers before making a choice. Comparison shopping can help you find the lowest rates available to you.

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.

Keep in Mind

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.

Step 3: Secure a new car insurance policy

Before you cancel your AAA car insurance, don’t forget to enroll in a new plan so you can avoid a gap in coverage. Once you’ve found your ideal auto insurance policy, reach out to the car insurance company and let them know you’d like 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 score 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 plan. 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 via phone, call the AAA office in your local area. Visit the AAA website and enter your ZIP code on the “Find a Location” page. Once you do, you’ll know which phone number to call.

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. Since you must talk to a human being to cancel your policy, be sure to ask if you’re due a refund, how much it will be, and when you can expect to receive it.

If it’s been a few weeks since you’ve 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.

However, AAA auto insurance isn’t available in every state, and you’ll have to be a member to get it. AAA also generally has higher rates than other insurance companies. Here’s a look at how AAA’s average monthly quote for full coverage compares to full-coverage averages for some other well-known insurers.

The below rates are estimated rates current as of: Friday, March 1 at 11:00 AM PST
Insurance CompanyAverage Monthly Quote
State Farm115
GEICO119
Allstate139
Progressive147
CSAA147
Nationwide187
Liberty Mutual201
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

AAA insurance FAQs

After you cancel your AAA car insurance policy, you’ll receive a final notice via 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 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.

  • When is the best time to cancel my AAA policy?

    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. Of course, life happens, and you may have to cancel at a different time. That’s perfectly fine.

  • How can I confirm my AAA insurance policy is canceled?

    After you cancel your AAA car insurance policy, you’ll receive a final notice via 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 nonpayment?

    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.

  • Should you cancel your AAA insurance?

    Canceling your car insurance is a personal decision. It’s a good idea to carefully weigh the pros and cons of your current policy against the potential advantages and disadvantages of a new policy.

    Generally, however, if you can get the same levels of coverage, deductibles, and customer service for a lower price elsewhere, it may be worth it to cancel your AAA insurance.

  • 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 need only 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.

Anna Baluch
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.

Evelyn Pimplaskar
Edited byEvelyn PimplaskarEditor-in-Chief, Director of Content
Evelyn Pimplaskar
Evelyn PimplaskarEditor-in-Chief, Director of Content
  • 10+ years in insurance and personal finance content

  • 30+ years in media, PR, and content creation

Evelyn leads Insurify’s content team. She’s passionate about creating empowering content to help people transform their financial lives and make sound insurance-buying decisions.

Featured in

media logomedia logomedia logo

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

Latest Articles

View all