How to Cancel AAA Insurance: A Step-By-Step Guide

Drivers can cancel their AAA car insurance by visiting their insurance agent in-person, or calling customer service at 1-877-387-8378.
Written by Andrea Barrett
Reviewed by Amy Bobinger
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.
Canceling your AAA auto insurance policy is not the same as canceling your AAA membership. You can 
cancel your insurance policy
 with AAA while retaining the AAA member services and benefits of being an AAA Club member, such as roadside assistance.

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.
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When looking for a new insurance policy, it's important to compare quotes from different carriers to ensure you're getting the best price.
app makes insurance shopping easy – finding you quotes from multiple carriers that meet your coverage needs at once. You can usually start a new policy on the same day.

Expert Insurance Professional Insight

VP of Insurance Operations, 15 years
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.

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.
You can contact AAA customer service at the following phone number to start the cancellation process: 1-877-387-8378.
You 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. 
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What is the easiest way to cancel insurance?

The easiest ways to cancel your car insurance is to call a customer service representative or visit an AAA agent in-person. Another solution is to shop for car insurance with the Jerry app, and then have Jerry agents cancel for you when switching providers.

Can I cancel AAA membership and get a refund?

Canceling a AAA membership is separate from canceling a car insurance policy with AAA. However, in both cases, you are likely eligible for a refund if you’ve pre-paid your dues, as long as you cancel within 30 days of your renewal or start date.

Can I cancel my insurance by email?

No, AAA policyholders cannot complete a cancellation policy through email. Drivers will need to contact AAA directly, either in-person or over the phone, and provide their name, policy number, and cancellation effective date. 

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