How to Cancel AAA Auto Insurance: Step-by-Step (2022)

Four steps can teach you how to cancel AAA auto insurance. You can't cancel AAA car insurance online, but you can cancel AAA insurance by phone or mail. Before canceling your AAA car insurance policy, shop around and compare multiple insurance companies to secure the most affordable and reliable policies.

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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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Reviewed by Cynthia Lanctot
Licensed Agent Cynthia Lanctot

UPDATED: May 10, 2022

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A Concise Overview

  • AAA won’t allow you to cancel your auto insurance policy online
  • You can cancel AAA auto insurance by phone, mail, or in-person
  • It’s best to set a date before you cancel your AAA auto insurance policy

Are you ready to cancel your AAA auto insurance policy? If you cancel AAA insurance before you buy another policy, you could have a coverage gap.

Gaps in coverage drive up auto insurance rates for future insurance policies. But don’t worry — we’re here to help.

Our guide explains how to cancel AAA auto insurance, when to cancel AAA insurance, and how to cancel AAA membership.

In addition to information on how to cancel AAA membership, we’ll show you how to switch car insurance.

Once you learn how to cancel AAA auto insurance, enter your ZIP code in the free comparison tool to locate the best insurance companies near you.

How do I cancel AAA auto insurance?

You can’t cancel AAA car insurance online, but you can cancel AAA insurance over the phone, by mail, or in person.

Here’s a step-by-step process on how you can cancel your AAA auto insurance by phone.

  • Step #1 – Contact AAA customers service at 1-877-387-8378
  • Step #2 – Enter your ZIP code when prompted
  • Step #3 – Give your driver’s license and policy number to the AAA representative
  • Step #4 – Ask the representative to cancel your policy

If you want to cancel your AAA car insurance policy in person, go to an AAA insurance agent in your area with your name, policy number, and the date you want to cancel your policy.

How do I cancel AAA auto insurance by mail?

To cancel your AAA car insurance policy by mail, send a certified letter to:

American Automobile Association (AAA)
1000 AAA Drive
Heathrow, FL 32746

Be sure to include your name, address, phone number, date of birth, driver’s license, policy number, and the date you want to cancel in the letter.

When should I cancel my AAA auto insurance policy?

You should set your cancellation date three to four weeks after you contact AAA. This gives you time to compare multiple car insurance companies and secure a reliable insurance policy.

How do I cancel my AAA membership?

The AAA cancellation policy won’t let you cancel an insurance policy online. But you can cancel AAA membership online. Check out the steps below to learn how to cancel your AAA membership.

  • Step #1 – Log in to your AAA account
  • Step #2 – Go to “My Account” on the upper dashboard and click the “Cancel” link
  • Step #3 – Select the reason why you want to cancel your AAA membership

You can also downgrade your AAA membership. Instead of clicking “Cancel,” choose the “Downgrade” link and select the level you want. You can access membership features on the AAA mobile app.

Pick how you would like to pay and set up a renewal under the “Renew” link.

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How do I switch auto insurance companies?

Before you buy AAA auto insurance or any other policy, you must receive a quote first.

The best way to switch car insurance companies is to shop around for different quotes before you cancel. This is why it’s practical to set a cancellation date.

But let’s say you did set a cancellation date four weeks from now. This gives you time to find a car insurance policy with AAA’s competitors.

Here’s a list of the best auto insurance companies that provide reliable auto insurance policies.

Average Monthly Full Coverage vs. Liability-Only Auto Insurance Rates by Company
CompaniesFull Coverage Auto Insurance Rates with a Clean Driving RecordFull Coverage Auto Insurance Rates Based with One AccidentLiability-Only Auto Insurance Rates with a Clean Driving RecordLiability-Only Auto Insurance Rates with One Accident
American Family$224$310$114$158
Liberty Mutual$398$517$203$264
State Farm$235$283$120$144
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USAA is the cheapest company on the list, but USAA is only available to members of the U.S. Armed Forces and their immediate families.

GEICO, American Family, and Nationwide are the following companies that are most affordable. However, your rates may vary.

Will I receive a refund after canceling AAA auto insurance?

It depends on how you paid for your AAA car insurance coverage. If you paid your AAA insurance coverage in full at the start of the policy, you could receive a partial refund.

The refund is the sum of the months you didn’t use AAA’s auto insurance service. The months before cancellation won’t be refunded.

Is there a cancellation fee?

The answer is yes. AAA auto insurance has a 10% cancellation fee. However, the AAA cancellation fee only applies to specific regions in the United States.

According to the International Risk Management Institute (IRMI), the 10% cancellation fee is usually known as a short-rate fee.

If you cancel within seven days (free-look period), you won’t receive a cancellation fee.

Should I cancel AAA auto insurance or adjust my policy?

If your AAA auto insurance rates are too expensive, it may be time to leave the insurance company.

Several factors determine your level of coverage and whether affordable AAA auto insurance is available to you. Like most insurance companies, AAA may offer you insurance discounts on your coverage, such as a safe driver discount. Sometimes, specific characteristics can increase your rates even after you’ve received AAA auto insurance quotes. And rates offered to insurance customers are at the sole discretion of the company.

For example, a drop in your credit score or two speeding tickets during the policy could drive up your rates. Remember that reckless driving can affect not only your driving privileges but your insurance rates as well.

In some cases, you can take off a few coverage options and maintain a valid membership. But you may need them, so you might have to shop around. Average rates for alternative auto policies will vary based on the insurance products offered.

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How to Cancel AAA Auto Insurance: The Bottom Line

The best way to cancel AAA car insurance is by phone or by mail. We recommend canceling your AAA insurance policy four weeks after you announce that you want to cancel.

While you wait for cancellation, compare as many car insurance companies as possible to find the best deal.

Hopefully, we’ve answered your frequently asked questions about how to cancel AAA car insurance.

Now that you know more about how to cancel AAA auto insurance, use your ZIP code in the free online quote tool below to compare multiple insurance companies.

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