How to Cancel Your AAA Car Insurance Policy in 5 Easy Steps
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Written byJ.J. Starr
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J.J. Starr is an insurance and personal finance expert who has been writing for Compare.com since 2022. Her work has been published across the web, appearing on sites such as Insurify.
Prior to writing for Compare.com, J.J. was a registered banker and life insurance consultant, holding a Series 6, FINRA, and life insurance license. She also earned a master’s degree in writing from New York University.
J.J. has a passion for helping people save money by explaining complex topics like car insurance in a way that is simple and easy to understand.
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Edited byLequita Westbrooks
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Lequita WestbrooksSenior Editor
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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Table of contents
Canceling a car insurance policy from AAA is easy and typically doesn’t come with additional fees. While you can’t cancel using your online account, the company makes it convenient to cancel over the phone. You can also visit your local AAA office.
Before you cancel, you should take some steps to avoid lapses in insurance coverage and other issues. You should also consider some additional things before you cancel, like how to get cheaper car insurance — even on your existing AAA policy.
We cover everything you need to know about canceling your AAA insurance policy in the sections below.
5 Steps to Cancel Your AAA Car Insurance Policy
Canceling your AAA car insurance policy is easy — but you can’t cancel online. Instead, you’ll need to call or visit your local office. You can also call membership services for your region (the phone number depends on where you live). Keep in mind that canceling your car insurance policy doesn’t mean you have to also cancel your AAA membership and roadside assistance.
Of course, the cancellation process has more to it than getting rid of the old policy — at least if you want to avoid issues. Follow these five steps to make your transition to a new policy hassle-free.
1. Review your current policy
Before canceling, carefully review your current AAA policy. Note your renewal date, as canceling near this date is usually the easiest. And gather essential information, such as your policy number and vehicle details.
You also want to review your coverage types, coverage limits, and other perks and benefits as a reference for setting up your new policy. It may be easiest to print a copy of your documents to reference throughout the process.
2. Understand what you need from your next policy
Take time to reflect on why you’re canceling and what you want from a new policy. If your goal is to save money, you should compare quotes from a few of your area’s cheapest car insurance companies. You should also look into how to leverage car insurance discounts and other strategies to lower your premiums.
Your new insurer will make sure your new policy meets your state’s minimum liability requirements, but your lender may require you to have additional coverages. For instance, lenders and leasing companies usually require comprehensive and collision coverage.
You may also need gap insurance, which covers the difference between what you owe on your car loan and your insurance payout if you total your car.
Knowing your needs helps you quickly identify and select the best policy.
3. Compare quotes and purchase your new policy
Make sure you have a new policy in place before canceling your AAA insurance to avoid a lapse in coverage. Insurance lapses increase car insurance rates on future policies and can cause trouble with your DMV.
Using the information you’ve gathered, you can compare quotes from multiple companies to find the best price and coverage. The more quotes you get, the more likely you are to find a policy that meets your needs and your budget.
Car insurance comparison websites make it quick and easy to see options from different companies in one place.
4. Contact AAA customer service
Call AAA customer service or visit a local office to start the cancellation process. Keep in mind that customer service numbers change depending on regional clubs. For example, Central New York AAA members should call 1 (833) 545-5021, while Hoosier AAA members can call 1 (888) 222-4677. So, be sure to look up the right phone number for your region.
You’ll need to provide the AAA agent with the necessary details, such as your name, policy number, and cancellation date, which should be on or before the start date of your new policy. Ask about any required forms, refunds, or fees. If you use auto pay, request to have the payments turned off.
5. Confirm your cancellation and get your refund
After canceling, confirm with a representative that AAA terminated the policy and stopped automatic payments. If eligible, you may receive a partial refund for unused premiums.
Your insurance agent or customer service representative should let you know how long it takes to issue refunds and whether you should expect an automatic refund to your payment method on file (e.g., credit card or bank account) or a check in the mail.
Don’t hesitate to contact AAA if you’re concerned about your refund or the cancellation. The sooner you report an issue, the quicker customer service can resolve it.
Ways to Cancel Your AAA Auto Insurance Policy
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Depending on your preference and availability, you can cancel your AAA auto insurance policy through at least two methods. But keep in mind that because cancellation methods vary by region, you should confirm available options with your local AAA office.
By phone
To cancel your policy over the phone, contact AAA’s customer service at your regional office. For example, drivers with AAA’s Mountain West Group (serving Alaska, Arizona, Northern California, Montana, Nevada, Utah, and Wyoming) can contact their regional office at 1 (800) 564-6222.
Have your policy number and personal identification ready. The representative will guide you through the cancellation process and inform you of any necessary steps or potential fees.
In person
Visit a local AAA branch for a face-to-face cancellation. To find the nearest office, use the office locator on the AAA website by entering your ZIP code. You can also search using tools like Google Maps.
Bring your policy documents and identification with you to make the process easy.
When to Cancel Your Car Insurance Policy
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Most car insurance companies allow you to cancel your car insurance at any time. While many don’t charge cancellation fees, some might depending on the policy’s terms. For instance, companies like Allstate, Safeco, and Progressive usually don’t charge cancellation fees, but canceling before your policy ends can lead to fees in some cases.
The easiest way to uncover potential cancellation charges is to review your policy documents or contact your insurer directly. If your insurer charges a fee, ask about ways to avoid it or if they can waive the fee.
What to Consider Before Canceling Your AAA Auto Insurance Policy
While canceling insurance is typically a simple process, you should be aware of some things to avoid common pitfalls. Before canceling your AAA auto insurance policy, consider the following:
Your new policy: Compare quotes from multiple insurers to find the best coverage and rates that meet your needs.
Potential insurance lapses: Ensure you have a new insurance policy in place before canceling to avoid a costly lapse in coverage.
Cancellation fees: Though AAA typically doesn’t charge a cancellation fee, it can charge you for cancellations before the end of a policy term.
Prorated refunds: Canceling in the middle of a policy term might result in refunds for unused premiums.
Bundling discounts: If you have other insurance products with AAA, canceling one could affect your multi-policy discount on others.
If you earn additional member benefits as an insurance policy owner, you may lose those extra perks.
AAA Car Insurance Premiums vs. the Competition
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Comparing car insurance quotes is essential when shopping for a new policy to ensure you get the best value. To help you on your journey to finding your next insurer, the table below shows the average monthly premiums from AAA and a few of its closest competitors, according to Compare.com data.
Company  | Average Monthly Premium | Compared to AAA |
|---|---|---|
| AAA | $121 | — |
| GEICO | $88 | -27% |
| Progressive | $119 | -2% |
| State Farm | $85 | -30% |
| Industry average | $135 | +12% |
Disclaimer: Table data sourced from real-time quotes from Compare.com'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’s average premium of $121 is below the industry average of $135 per month. But State Farm stands out as the most affordable option, with an average monthly rate of $85, a 30% savings compared to AAA.
Just remember that the cheapest option in general may not be the most affordable option for you. Always compare rates before buying.
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Canceling AAA Insurance FAQs
Canceling your AAA auto insurance policy is straightforward, but you should consider a few details first. Here are answers to some common questions about the process.
Yes, you can cancel your AAA auto insurance policy at any time. But it’s a good idea to align your cancellation with the start of a new policy so you can avoid any lapse in coverage.
AAA doesn’t say that it charges cancellation fees, but some customers report receiving a cancellation fee. That said, policies can vary by region, so check the terms in your policy or contact your local AAA office to confirm.
Currently, AAA doesn’t offer an online cancellation option for auto insurance. You’ll need to contact customer service by phone or in person to cancel.
Sources:
ConsumerAffairs, “AAA Auto Insurance Reviews,” accessed November 25, 2024.
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J.J. StarrInsurance Writer
J.J. Starr is an insurance and personal finance expert who has been writing for Compare.com since 2022. Her work has been published across the web, appearing on sites such as Insurify.
Prior to writing for Compare.com, J.J. was a registered banker and life insurance consultant, holding a Series 6, FINRA, and life insurance license. She also earned a master’s degree in writing from New York University.
J.J. has a passion for helping people save money by explaining complex topics like car insurance in a way that is simple and easy to understand.
Lequita WestbrooksSenior Editor
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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