AAA policyholders can’t cancel their car insurance online. Rather, they must contact customer service at 1-877-387-8378 or speak to an agent in person. But before cancellation, all drivers must make sure they have a new insurance policy in place.
Drivers can cancel their AAA insurance at any time
You can cancel your American Automobile Association (AAA) car insurance at any time, even if you’ve just recently started a new policy. If you’ve paid your premium in full, AAA will most likely refund you for any unused premiums.
To cancel your car insurance policy with AAA, you will need your full name, AAA policy number, and effective cancellation date. When you call your insurance company, you should also ask about the following:
- Cancellation fees:AAA doesn’t disclose if they charge insurance cancellation fees, but some previous customers reported being charged 10% of their remaining premium.
- Refund eligibility:Most auto insurance companies provide refunds for unused premiums if you’ve paid your coverage in full. The exact amount can vary, so make sure to contact a AAA representative to ask about potential refunds.
KEEP IN MIND
- An AAA insurance policy is different from an AAA membership.
- Your auto insurance policy covers costs from vehicle accidents and related liabilities. It is mandatory in almost all states, except New Hampshire.
- Your AAA membership provides benefits such as roadside assistance, which is optional.
Learn more: AAA car insurance review
When you should cancel your AAA car insurance
Canceling your AAA car insurance might be a good idea if:
- You moved states and AAA doesn’t cover you
- Your want to bundle your home insurance and auto insurance with a different provider
- Your annual mileage has decreased and you want to change policies
- You recently sold your car and don’t plan on owning one in the future
If you’re selling your car, but still want to drive, instead of canceling your insurance policy altogether, consider asking about a non-owners insurance policy. Non-owners policies often extend to rental and borrowed cars, and usually cost less than a standard policy.
No matter the reason, before you cancel your auto coverage, it’s always important to have a new car insurance policy lined up with another insurance provider to avoid a lapse in coverage and possible higher premiums.
“70% of people haven’t re-shopped their car insurance policy. It’s important to remember that you can change your insurance carrier at any time and shop around.”
Learn more: Ready to cancel your car insurance? Read this first
The only way to cancel AAA car insurance
When canceling your AAA insurance coverage, you will need to speak to an insurance agent either over the phone or in-person.
Call customer serviceYou can contact AAA customer service at the following phone number to start the cancellation process: 1-877-387-8378.
Visit a AAA branchYou can also cancel your insurance coverage by visiting a local AAA branch and speaking to an insurance agent in-person.
AAA members are unable to cancel their insurance coverage through the AAA website. However, if you’ve already chosen a new policy through the Jerry app, Jerry’s agents can help you through the app to cancel your existing AAA policy and start a new one, cutting down some of the hassle.
Is there a AAA cancellation fee?
AAA does allow customers to cancel their policy at any time. While they don’t disclose fee details, some customers report paying a cancellation fee of 10% of the remaining premium.
To avoid unnecessary expenses, consider canceling your policy when you’re close to your renewal date.
Does AAA provide refunds if you cancel early?
If you’ve paid in full for your AAA insurance coverage, you will receive a refund for any unused premiums, minus any cancellation fee.
Learn more: How to get a car insurance refund when you cancel early
FAQ
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What is the easiest way to cancel insurance?
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Can I cancel AAA membership and get a refund?
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Can I cancel my insurance by email?
Andrea Barrett is an insurance writer with five years of experience in writing and publishing. Andrea specializes in car insurance, maintenance, and brand reviews, and her mission is to create comprehensive and useful content readers can use to help lower their car-related expenses. Andrea has written nearly 1,500 articles for Jerry on topics ranging from first-time buyer programs to insurance costs and vehicle life expectancies. Beore joining Jerry, Andrea co-founded a successful health food business and created content for clients in the health and wellness industry.
Expert insurance writer and editor Amy Bobinger specializes in car repair, car maintenance, and car insurance. Amy is passionate about creating content that helps consumers navigate challenges related to car ownership and achieve financial success in areas relating to cars. Amy has over 10 years of writing and editing experience. After several years as a freelance writer, Amy spent four years as an editing fellow at WikiHow, where she co-authored over 600 articles on topics including car maintenance and home ownership. Since joining Jerry’s editorial team in 2022, Amy has edited over 2,500 articles on car insurance, state driving laws, and car repair and maintenance.
