How to Cancel AAA Auto Insurance

You will need to call, write in, or visit a local office if you want to cancel your AAA auto insurance. Read on to learn how to make the process as easy as possible.

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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: Jun 29, 2022

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A Concise Overview

  • AAA does not allow you to cancel auto insurance online
  • You will need to visit an office, write in, or call the toll-free number
  • If replacing with another insurer, make sure that you do not have a lapse in coverage

If you have been shopping for car insurance, you may have found a better deal than your current company. In this case, you must go through the change process and know how you can cancel your AAA auto insurance. We know that you want to do this the right way to maintain at least the required amount of liability car insurance protection, so we have some answers below.

How do you cancel AAA auto insurance?

If you are ready to process your AAA insurance cancellation, you need to call the company, go into an office, or mail a letter. This organization will not allow cancellation of an auto insurance policy online. You need to ensure that you allow enough time and coordinate the cancellation with your new insurance company so you can avoid any gaps in coverage.

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What about AAA membership cancellation?

AAA offers a variety of services to the motorist in addition to car insurance. If you want to cancel your AAA membership outright, you need to call the Member Services Department at 800-922-8228. A representative will process your call on weekdays between 7 AM and 9 PM PST or Saturday/Sunday, 7 AM to 7 PM PST. 

How to Cancel Your AAA Membership or Car Insurance

Here is the step-by-step approach to getting AAA to cancel insurance plans:

  • Call AAA at 877-387-8378.
  • Enter your ZIP Code to be put through to the right representative.
  • Give the representative your driver’s license and policy number.
  • The representative will process the cancellation.

Or if you prefer, you can go to a local office instead. And if you want to process the cancellation via mail, you can send a certified letter to the company at AAA, 1000 AAA Drive, Heathrow, FL 32746.

Don’t forget to include your personal details, including your driver’s license and AAA policy number.

When should you cancel your AAA car insurance?

It’s best to shop around for alternative quotes and compare them to your AAA auto insurance quote before you process any cancellation. However, AAA will notify you once it processes the request and will send you a letter confirming the cancellation date. 

You will then be able to talk with your new insurance company to make sure your replacement coverage begins on the day that your AAA policy expires.

Will there be a cancellation fee?

Some insurance companies charge a cancellation fee (sometimes known as a “short rate” fee), but that typically applies when you cancel shortly after taking out a new policy. Refer to your AAA policy for an outline of the company’s approach.

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Should I process an AAA insurance cancellation or adjust the policy?

If you think you are paying too much for your insurance, ask AAA for an auto insurance quote that may consider other parameters. For example, you have now completed a safe driver course and may qualify for a discount. Ask your company if it offers a low mileage auto insurance discount, which might apply to your case.

Should I worry about a lapse in coverage?

Make sure you understand how to switch car insurance. When you switch, you should make every effort to coordinate your AAA auto cancellation with the start of a new policy to avoid any lapse. You could get into trouble if you drive without insurance in the interim and would need to pay for any damages yourself. 

Insurance companies may also need to inform the state regulator about any cancellation, and it may get in touch with you if it’s found that you have not renewed. In many states, you must maintain at least the minimum auto insurance coverage for any car that you have registered with the state. So for instance, if you are located in Arizona you need to make sure you have the minimum required car insurance before you cancel AAA Arizona auto insurance.

How You Should Cancel an AAA Membership or Car Insurance Plan

My Policy AAA does not allow you to cancel your auto insurance policy online, so you will need to do this in person, via U.S. mail, or over the phone. Make sure you coordinate cancellation with any renewal so you do not have a lapse in coverage.

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