Cancel AAA car insurance the easy way | finder.com
AAA logo

Cancel AAA car insurance

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

Cancel your AAA auto insurance by contacting your regional HQ or local branch.

As the largest automobile association in the US, AAA has offices and local agents dotted around each region. This streamlines its customer service and makes canceling a policy as easy as signing up for one.

AAA’s cancellation policy

AAA has a flexible cancellation policy. You can cancel your coverage at any time, and you’ll receive a prorated refund on your premiums. Keep in mind, though, that car insurance is a legal requirement in most states. If you’re planning to continue driving, you’ll want to have a new policy in place before your policy expires.

How do I avoid paying AAA’s cancellation fees?

AAA doesn’t charge a cancellation fee for car insurance. If you’re canceling your AAA membership as well, a $10 cancellation fee applies to certain regions. Read the fine print of your policy or contact a local agent to find out if you’ll be subject to that fee.

How can I cancel my policy?

AAA makes managing your policy easy. It has a centralized customer service team for each region, so you can cancel your coverage by calling or sending a letter to your region’s headquarters. For in-person assistance, you can pop into your local agent’s office. With over 1,100 branches across the US and Canada, there’s bound to be one close to you.

Info you’ll need to cancel your policy

If your calling or mailing in a cancellation, have this information handy:

  • Your name, address, phone number and date of birth
  • Your driver’s license number
  • Your policy number
  • The date you’d like your coverage to end

Ready to cancel? Compare alternatives to AAA

  • Top-rated insurer
  • Easy online sign-up and reporting
  • Multiple discounts available

Our top pick: Progressive

Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.

  • Top-rated insurer with 80 years of experience
  • Easy online sign-up and reporting
  • Multiple discounts available
  • Transparent quoting
Promoted
Name Product Roadside assistance New car protection Available states
Optional
Yes, cars under 3 years old & 15,000 miles
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
Included free
Yes, cars under 2 years old
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Optional
Yes, cars under 1 year old & 15,000 miles
AZ, CA, IL, NJ, OR, PA, VA, WA
Drive less than 30 miles a day? Save on the coverage you need with pay-per-mile insurance from Metromile. Get a low monthly rate then pay just a few cents per mile. Available in AZ, CA, IL, NJ, OR, PA, VA and WA.
Optional
Yes, cars under 1 year old & 15,000 miles
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
Included free
No
AZ, AR, DE, IL, IN, IA, KY, LA, MD, MI, MS, MT, NM, ND, OH, OK, OR, PA, TX, UT
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save. Available in 20 states.
Included free
Yes, cars under 1 year old & 15,000 miles
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
Included free
Yes, cars under 2 years old
All 50 states
Backed by nearly 100 years in the business, Farmers Insurance aims to offer options and support to help you find the coverage you need.
Optional
No
All states except Hawaii, Massachusetts, Michigan and New Jersey
The General offers affordable coverage for nearly any driver who needs car insurance.
Optional
Not specified
IL, IN, MD, TN, TX, VA
Elephant Insurance offers low-cost auto insurance with big discounts. Breaking from the national herd could save up to 40% off your current car insurance.
Included free
No
AZ, GA, IL, IN, KS, KY, LA, MS, MO, OH, OK, PA, SC, TN, TX, VA
Known for providing insurance to high-risk customers who may have trouble finding coverage elsewhere, SafeAuto offers a lot of different discounts, from those for homeowners to good drivers.
Optional
No
AL, AR, FL, GA, LA, MS, MO, NC, SC, TN, TX, VA
Discounts, flexible payments and a life coach that guides you to your best rates and coverage with Direct car insurance.
Optional
No
CO, DE, ID, IA, MD, MS, NE, NV, OH, TN, WA
Connects high-risk drivers to providers in its network offering affordable policies
Optional
No
All states except AK, LA, GA, HI, MA, MI, MT, NH, NJ, NY, ND, OK, RI
Dairyland offers auto insurance with flexible payment and coverage options for high-risk drivers in 37 states.

Compare up to 4 providers

Canceling by phone

To cancel your coverage over the phone, call the insurance department in your region or a local office. Since AAA’s policies vary between regions, save time by going to AAA’s website and clicking Find a Location on the upper right-hand corner of the homepage. Enter your ZIP code to find a branch close to you.

You can also call the general AAA auto insurance line at 877-387-8378, but you may be on the phone a little longer. It’s an automated system, so follow the prompts.

  1. Enter your ZIP code.
  2. Press 1 for English.
  3. You’ll then be connected with a customer service representative who will cancel your membership.

Before you dial, have your policy number handy. You can find this on your policy documents.

Cancel by email

You can also mail a written notice to your region’s headquarters, finding the address on your its site. In your letter, include the info you’ll need to cancel your policy, plus a dated signature.

Canceling in person

AAA has local agents across the US, so you can pop into your local branch to cancel your policy in person. To find out where it is, look at your policy documents or go to the AAA website and click Find a Location. Type in your ZIP code and a list of contact details will appear.

Cancel your insurance the easy way

Let a new agent help you cancel your old policy online in minutes.

Your information is secure.

What’s the best way to cancel AAA car insurance?

The quickest and most seamless way to cancel your coverage is over the phone. You can call your region’s headquarters or your local agent. You’ll likely have to listen to a last-ditch sales spiel, but if you’re dead set on canceling, the whole process takes a matter of minutes. If you’d rather speak to someone face-to-face, drop in to your local branch.

How can I confirm my AAA policy is canceled?

You’ll receive a final notice in the mail and email, along with a prorated refund of your premium from the date of your cancellation to the end of your term. If you haven’t received a confirmation within three weeks, follow up with AAA.

When is the best time to cancel or switch car insurance?

It’s best to cancel or switch your car insurance policy three to four weeks before it’s up for renewal. This gives you time to explore your options, settle on a new provider and qualify for any early shopper discounts. Plus, you can use the details about your coverage, discounts and premiums in your renewal notice to compare coverage.

As with all kinds of insurance, reassess your coverage if your circumstances have changed. For example, if you’ve gotten married or bought a house, you may be able to bundle your policies for a discount with a new provider. If your credit has improved or you’ve changed cars, you may be able to score a better rate. And if you’re moving states, it’s worth comparing car insurance providers to ensure you’re getting the most out of your coverage. Auto insurance requirements vary state by state, so you may need to make some adjustments.

What should I consider before canceling my policy with AAA?

  • Will there be a gap in my coverage? To avoid a lapse in your car insurance coverage, buy a new policy before you drop the old one. Allowing a gap of just one day can be costly, and not just because you’ll have to pay out-of-pocket if you’re in an accident. Some states penalize registered cars that don’t have continuous coverage, so you might end up with a fine as well as a higher premium when you do purchase a new policy.
  • Are there state laws on proving coverage? Unless you live in New Hampshire or Virginia, it’s illegal to drive without car insurance.
  • Will I lose my perks? Most insurers offer discounts to new customers, however, you may lose some perks that come with being a longtime customer with your current insurer. If you’re on a budget, take those costs into consideration.
  • Is there a big life change coming up that could affect my new policy? Major life changes can lead to major savings, so if you know you’re getting married, moving or buying a home soon, you might want to hold off on switching providers to score the best possible rate.

Should I cancel or adjust my policy?

Your car insurance coverage should suit your situation. If yours no longer does or you’re not satisfied with your carrier’s pricing, customer service or claims process, you may want to cancel outright. With AAA, you’ll get a prorated refund on your remaining premiums, so you won’t be bogged down with a huge financial loss.

There are some perks to staying with your provider, too. You may be eligible for loyalty or renewal discounts. To find out if that’s the case, call customer service or your local agent, who will assess your coverage and current situation.

Bottom line

Sure, your car insurance policy is a contract, but you’re entitled to break it at any time. AAA makes the transition as smooth as possible, allowing customers to cancel online, over the phone or in person and receive a prorated refund on their premiums.

The key is to compare car insurance providers and have a new policy ready to go before canceling your current one.

Cancel your insurance the easy way

Let a new agent help you cancel your old policy online in minutes.

Your information is secure.

Frequently asked questions about canceling AAA car insurance

Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.

2 Responses

  1. Default Gravatar
    romitDecember 14, 2018

    i want to cancel my policy and i was charged for this month

    • finder Customer Care
      nikkiangcoDecember 18, 2018Staff

      Hi Romit,

      Thanks for getting in touch! Sorry to hear you were charged this month. It would be best to call AAA immediately to cancel your policy.
      Hope this was helpful. Don’t hesitate to message us back if you have more questions.

      Best,
      Nikki

Go to site