How To Cancel AAA Auto Insurance in 5 Steps (2026)

The American Automobile Association, better known as AAA, is one of the country’s most popular non-profit membership clubs. The club offers members many different benefits, from travel deals to affordable AAA auto insurance. Read through our brief AAA auto insurance review and guide to learn more about AAA auto insurance cancellation.

Before canceling your AAA auto insurance, you’ll need to secure an affordable, new policy. Then you can contact AAA to cancel your policy.

How do you cancel your AAA’s auto insurance policy?

For whatever reason, you’re unsatisfied with the AAA auto insurance company and are ready to cancel your AAA insurance policy. Perhaps your AAA auto insurance rates are too high, or you are unhappy with the customer service.

Step 1: Verify your renewal date

Step 2: Compare car insurance quotes

Step 3: Find a new car insurance policy

Step 4: Cancel your AAA policy

Fortunately, AAA has a very client-friendly cancelation policy. AAA insurance cancellation is an easy process. To cancel your auto insurance, get the following information ready:

• Policy-holders name, address, phone number, and birthdate
• Driver’s license number
• Policy number
• Specific date you’d like your policy to end

Next, all you need to do is call the AAA auto insurance phone number and at 1(877)-387-8378, and you can have AAA cancel your insurance policy directly over the phone. The process is automatic, you don’t have to send an insurance cancellation letter, and you’ll be guided through pre-recorded prompts.

AAA is made up of smaller clubs that exist in different regions across the country. Each region also has its own headquarters and customer service line.

To see the contact information for AAA auto insurance by region, check out the table below.

You can also visit a local branch to cancel your policy in person, or send a letter through the mail to your region’s headquarters.

Step 5: Follow up on your refund

Can I cancel AAA auto insurance at any time?

You as the policyholder can cancel your AAA auto insurance at any time. However, to avoid potential cancellation fees and lapses in your coverage, you can wait until your policy is up for renewal.

Start shopping for a new policy a few weeks before your AAA auto insurance policy is up for renewal. You’ll have plenty of time to compare quotes from multiple different companies.

You can use an online quote tool, like the ones featured on this page, to quickly comparison shop. Choose a car insurance provider that offers competitive rates without compromising your coverage needs.

If you paid for your auto insurance policy in full and cancel before it is up for renewal, check with your AAA representative to see if you’re eligible for a refund.

Are there AAA auto insurance cancellation fees?

Is there a fee to cancel auto insurance with AAA? Many consumers avoid switching providers for far too long because they don’t want to get stuck paying for hidden cancellation fees.

While AAA does not mention any cancellation fees on its website, some users have reported paying around 10 percent of the remainder of the policy after canceling their AAA auto insurance. To minimize these costs, consider canceling your policy close to your renewal date.

To find your auto policy’s renewal date, go to your AAA auto insurance login and search through your account information. You can also call the AAA customer service center at 1-877-387-8378.

If you are wondering how to cancel your AAA membership, you must follow a slightly different process. Only the primary AAA member on the account can process cancelation requests through the ‘My Account’ membership login or by calling your local headquarters.

You can also upgrade or downgrade your membership this way, and add or remove associate members to your policy. In some regions, a 10 percent cancellation fee will be applied.

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What should I consider before canceling AAA auto insurance?

Before you cancel any existing AAA car insurance policy, it’s important to already have a new policy picked out with another insurance company to replace your old one. If there is a gap in your coverage, your rates can increase dramatically, even for only a day or two of delay.

If providers see a lapse in your coverage, you might be considered a higher-risk client. In some states, you can even receive a fine for having a registered car without auto insurance.

Auto insurance is a legal requirement in 49 states. According to the Insurance Information Institute, in some regions, you can be fined up to $5,000 for getting caught driving without insurance.

Do your auto insurance company and insurance rate research ahead of time, and only cancel your AAA auto insurance policy after you’ve selected a new provider.

Will I lose other benefits if I cancel AAA auto insurance?

You can only buy AAA auto insurance if you’re an actual AAA club member. If you cancel your AAA auto insurance, you’ll still have access to all of the other AAA membership benefits unless you cancel AAA membership as well. This includes roadside assistance packages, battery replacement, and other travel benefits.

By canceling your auto insurance policy, all you’ll lose is the vehicle coverage.

You now confidently know how to cancel AAA insurance. Before taking the final step and canceling your AAA policy, remember to find better auto insurance first.