You can cancel your AAA insurance by calling your agent directly or contacting customer service at 1-877-387-8378. Before you do, have your name, policy number, and effective end date ready.

If you found a cheaper insurance policy with another insurance company, need to

cancel your insurance because you’ve sold your car

, or moved to a new state, cancelations happen—but don’t stress about canceling your policy with AAA. Canceling your AAA insurance coverage is as simple as getting in touch with your agent or calling customer service for termination. But be mindful that specific customers may be subject to a cancelation fee.

If you’ve decided that your AAA insurance coverage isn’t right for you, we’re here to walk you through the details of the AAA cancellation process. But remember, if you’re canceling your existing insurance policy but still driving a car, you’ll need another

car insurance

policy lined up to avoid a lapse in coverage.

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How to cancel your AAA car insurance policy

The process is relatively simple if you’re ready to cancel your AAA insurance policy, the process is fairly simple. If you’re the policyholder, here are the steps you’ll need to follow:

Have your name, AAA policy number, and cancellation effective date ready

Contact your AAA insurance agent directly or call AAA customer service at 1-877-387-8378 to request the termination of your policy, or

Take your name, policy number, and the date you want your policy to end to your local AAA agent in person

Remember that canceling your AAA auto insurance policy is not the same as canceling your AAA membership. You can cancel your insurance policy with AAA while retaining the member services and benefits of being an AAA member, such as roadside assistance.

If you’re sure you want to cancel your AAA insurance policy but still plan to drive, it’s important to have a new auto insurance policy lined up with another insurance provider to avoid a lapse in coverage. Even a brief lapse in coverage can lead to an increase in your insura nce premiums down the road. When canceling your policy with AAA, choose a cancellation date that coincides with the start of your new coverage to avoid any hassles.

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How does an insurance lapse affect your rates?

Can you cancel an AAA policy without calling?

Unfortunately, no. Canceling your auto insurance policy online would be convenient, but AAA doesn’t offer online cancelation. The only way to terminate your coverage is to contact AAA over the phone or speak to a local agent in person at your nearest AAA branch.

Does AAA charge a cancellation fee?

AAA does allow customers to cancel their policy at any time. While they don’t disclose fee details, some customers report paying a cancellation fee of 10% of the remaining premium. To avoid unnecessary expenses, consider canceling your policy when you’re close to your renewal date.

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Is a AAA Membership worth it?

Does AAA refund you if you cancel your auto insurance policy?

If you’ve paid in full for your AAA insurance coverage, you will receive a refund for any unused premiums, minus any cancellation fee.

Does AAA have a grace period for nonpayment?

No—AAA does not offer grace periods for missed auto insurance payments unless you live in a state where grace periods are mandated by law. If this is the case, the grace period may range from 1–30 days, depending on the state.

If you’ve missed a payment in a state with a grace period, you’ll receive a notice in the mail with the end date of your grace period. If your payment isn’t made by this date, AAA will cancel your insurance policy.

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What happens if you don’t pay your car insurance?

Should you cancel your AAA insurance?

Before you pick up the phone or head into your local AAA branch to cancel your insurance policy, be sure it’s the right choice. Here are some of the most common reasons for canceling:

You’ve moved states and AAA doesn’t cover you

You can’t afford insurance coverage

You sold your car

Your marital status has changed

You want to bundle your home (or another insurance) with auto from another provider

Your annual mileage has decreased and you want to change policies

You’re not required to explain to AAA why you’re canceling your coverage, but for any of these reasons—unless you’re not planning to drive again—you’ll need to invest in a new insurance policy to keep you covered behind the wheel. What better way to save money and find the coverage you need than by shopping around for a new car insurance quote?

When comparing auto insurance quotes from several providers, you can feel confident that you’re getting the best deal and the right coverage—even if it’s not with AAA.

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