How to Cancel AAA Auto Insurance

You can cancel your AAA auto insurance by contacting your agent or calling the company's customer service line. You will need your policy number when you call, and you should make sure to have a new policy in place before you cancel.

UPDATED: Jul 9, 2022Fact Checked

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Written by Sara Routhier
Director of Outreach Sara Routhier

Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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UPDATED: Jul 9, 2022

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A Concise Overview

  • You call AAA customer service and speak to a representative to cancel your policy 
  • You should receive verification of your cancellation from AAA
  • Ensure your new insurance starts before your AAA cancellation date

If you want to cancel your AAA auto insurance coverages, the process is similar to canceling AAA memberships. However, since you’re canceling auto insurance instead of roadside assistance, there are a few things to consider and arrange before an insurance AAA membership cancellation.

Read on to learn how to cancel AAA insurance and what you should arrange before AAA insurance cancellation to avoid a lapse. 

How to Cancel Your AAA Auto Insurance Policy 

Perhaps rates went up from your original AAA auto insurance quote, or you sold your car and no longer drive. Whatever the reason, to cancel your AAA auto insurance policy, be ready with any relevant information AAA might ask when you contact the company to cancel.

Prepare Necessary Information

When you call AAA to cancel, you’ll need to provide the following information when making a AAA insurance cancellation:

  • Name. You’ll need to provide personal information, such as your name, so AAA can verify it’s you.
  • Policy number. You’ll need to know your AAA policy number to cancel. You can find this on your account details or bills.
  • Date of the desired cancellation. You’ll need to provide a date when you want your cancellation to take effect.

Having your information ready — rather than scrambling to find your policy number or end date — will make the call shorter and easier. 

Contact a AAA Agent or Company Representative 

If you have a AAA agent, you can contact them to cancel your AAA auto insurance policy. Otherwise, you should call AAA customer service and speak to a representative. The AAA number for renewals and making changes to existing policies is 1-800-205-9537. 

If you call the wrong number, the AAA service should be able to redirect you to the correct phone number for policy cancellations.

Unfortunately, you cannot cancel through AAA’s website or the MyPolicy AAA app.

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Important Cancellation Tips 

Though you now know how to cancel AAA membership insurance, don’t call on a whim to cancel your policy because you want to switch or your rates went up. You need to be careful to avoid an insurance lapse. You should also ask for verification of your AAA cancellation and read the fine print about refunds.

Have a New Policy Ready Beforehand 

Since driving without insurance is illegal, it’s important to establish your new insurance policy before your AAA auto insurance policy ends. Even if it’s just a day without insurance, you don’t want to risk driving until your new car insurance policy starts.

You can face heavy fines and higher rates if you get into an accident without insurance. So ensure you have a new policy before you cancel your AAA insurance unless you want to risk buying high-risk auto insurance

Of course, if you sold your car and no longer drive, you can cancel auto insurance altogether.

Confirm AAA Cancellation 

You should receive verification of your AAA cancellation, such as a confirmation email. If you don’t receive a confirmation, contact AAA again to ensure your cancellation is processed. 

If you have autopay, you should also check after cancellation to ensure AAA doesn’t accidentally charge for another month.

Check Refund Fine Print 

Most insurance companies will issue you a refund if you prepaid for coverage and cancel before the prepaid coverage gets used. 

AAA doesn’t specify refunds on its website, but refund data should be in the fine print on your AAA auto insurance agreement. Generally, AAA should refund you for any unused premiums. 

For example, if you paid for a whole year of auto insurance coverage but canceled after six months, you should receive a refund for six months.

Final Word On Canceling a AAA Auto Insurance Policy 

Canceling your AAA auto insurance policy should be straightforward, but preventing a coverage lapse is important. You also need to verify that your cancellation went through and that you’ll receive a refund for unused coverage.

If you’re looking for affordable auto insurance, use our free quote comparison tool to compare auto insurance company rates in your area.

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