Things You Should Know Before Canceling AAA Auto Insurance

You can cancel your AAA auto insurance any time, but there may be penalties.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Written by Rachel Bodine
Feature Writer Rachel Bodine

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Jun 10, 2022

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Things to Remember

  • AAA Auto Insurance is quickly canceled in person or by telephone
  • Members may cancel AAA auto insurance but retain their AAA membership
  • AAA agents will assist and inform you every step of the way

If you are considering canceling your AAA car insurance policy, the process is simple, and you can complete it over the phone or in person. Members may cancel their auto insurance policy at any time, though some regions may impose cancellation fees.

AAA offers its members 24/7 roadside assistance with towing, complete domestic and international travel planning, lockout and tire service, home, and life insurance policies, and more. Canceling your auto insurance does not otherwise affect your AAA membership standing. 

You cannot cancel AAA memberships or auto insurance online. However, AAA representatives are available 24 hours a day to talk via phone, and local office agents are readily available during business hours. Keep reading to learn how to cancel AAA membership.

How to Cancel AAA Membership

There is more than one way to cancel your AAA auto insurance policy. One easy way to cancel your AAA membership is to reach out to your local agent. You can call or visit the office to take care of business in person. If you have any questions about the process, your local agent will have the answers. 

The AAA website offers several ways to communicate with the company, including an office locator that automatically shows local agents’ details, such as local office phone numbers and addresses.

BQ: Another way to cancel your policy is to contact a AAA service agent at 1-877-387-8378. 

If you’re considering canceling your auto insurance, it’s important to note that you do not have to cancel your entire AAA membership to end your coverage. You also need to have a new policy lined up or you risk driving uninsured. Start researching different types of car insurance from different companies before you cancel to find a more affordable auto insurance policy. 

Are there AAA cancellation fees or refunds?

Regionally, there are differences when it comes to AAA cancellation fees. Remember that AAA is a federation of motor clubs all throughout North America. The cancellation policy is not codified, so some of the clubs do attach cancellation fees, which could be a percentage of your auto insurance rates. 

It’s also possible that you could enjoy a partial refund upon canceling your AAA auto insurance. Again, this depends on your region and club. Fees and refunds could influence the timing of your decision to cancel, so confirm with an agent before you cancel coverage.

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What You Need to Cancel AAA Auto Insurance

AAA aims to ensure that nobody except the client can alter their policy. To this end, you will need several pieces of information to verify your identity and cancel your policy. Be ready with your name, address, license number, and policy numbers when you speak with an agent.

Make sure to have the following information when you call to cancel your AAA auto insurance:

  • Name and address with ZIP code
  • License number
  • AAA policy number

When reaching out to an agent for this, or any reason, it is important to prepare for the call. Make sure to have your AAA membership card on hand and consider bringing a notepad and pencil to write down any questions or important information. For instance, writing down the agent’s name and any confirmation number may be useful.

Things You Should Know Before Canceling AAA Auto Insurance

Canceling AAA auto insurance is as easy as calling AAA customer service or visiting your local agent. Call 1-877-387-8378 to speak with an agent or visit the AAA website’s office locator to find an office in your neighborhood. 

You will need your driver’s license, auto insurance policy information, and AAA membership card to cancel your policy. Unfortunately, you cannot cancel AAA memberships or insurance policies online, but agents are available 24/7 to help update or cancel your coverage.

Fortunately, you don’t have to cancel your AAA membership when you cancel your auto insurance coverage. As long as you keep paying your yearly dues, your membership remains intact, and you can continue to enjoy its many perks. 

Examples of AAA membership levels can be seen in the chart below.

AAA Membership Level Benefits
AAA DetailsAAA Classic MembershipAAA Plus MembershipAAA Premier Membership
Average Annual Rates$38-$74$60-$124$77-$164
TowsUp to 4 a year (up to 5 miles for each tow)Up to 4 a year (up to 100 miles for each tow)Up to 4 a year (up to 200 miles for 1 two; up to 100 miles for other 3 tows)
ReimbursementUp to $50 for vehicle lockoutUp to $100 for vehicle lockoutUp to $150 for vehicle lockout
Fuel DeliveryHave to pay for fuelFuel is freeFuel is free
Flat Tire ServiceYesYesYes
Battery ServiceYesYesYes
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It’s always a good idea to shop around for auto insurance before you alter or change any part of your current policy. If, for instance, you are canceling because you don’t believe your auto insurance needs aren’t being met, you can compare free auto insurance quotes online to find a better insurer. Don’t cancel AAA auto insurance without a new policy in place or you risk driving without coverage. 

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Enter your ZIP code below to view companies that have cheap auto insurance rates.

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