Is There a Fee to Cancel AAA Insurance?

Last Updated on February 5, 2026

AAA auto insurance is sold through regional AAA clubs and affiliated insurance companies, so cancellation rules can vary by state and by the specific AAA insurer on your policy. If you’re planning to cancel, the two big questions are: (1) will you owe a cancellation fee, and (2) how will your unused premium refund be calculated?

This guide walks you through how AAA cancellations usually work, what to ask before you cancel, and how to switch coverage without creating a gap.

AAA Cancellation Rules Vary by Region: AAA policies are issued through affiliated insurers, so cancellation fees and refund methods depend on your state and carrier.
Refunds Aren’t Always “Straight-Line”: Pro rata refunds are day-by-day, while short-rate cancellations can reduce your refund if you cancel mid-term.
Prevent a Coverage Gap: Start your new policy on the same date your AAA policy ends to avoid a lapse that can create DMV and rate problems.
Get Proof in Writing: Always request written cancellation confirmation and keep it with your policy records.

Table Of Contents

Does AAA Charge a Cancellation Fee?
How To Confirm Your Cancellation Terms Before You Cancel
How To Cancel AAA Auto Insurance
What To Do Before You Cancel
Will AAA Refund Unused Premium?
Information You’ll Need To Cancel AAA Auto Insurance
Final Word on AAA Insurance Cancellation Fees
FAQs on Canceling AAA Auto Insurance

Does AAA Charge a Cancellation Fee?

Some AAA-affiliated insurers apply a short-rate cancellation method when you cancel mid-term, which can reduce your refund by a percentage. Others cancel pro rata (a straight, day-by-day refund with no penalty). The only way to know for sure is to check your policy documents or confirm with AAA for your region.

If you want a deeper explanation of how insurers calculate cancellation penalties and refunds, see our breakdown of car insurance cancellation fees.

Refund Method	How It Typically Works	Why It Matters
Pro Rata Cancellation	Your refund is calculated based on unused days left in the policy term.	Usually results in a larger refund because there’s no penalty built in.
Short-Rate Cancellation	Your refund is reduced by a percentage or short-rate schedule when you cancel early.	Canceling far from renewal can cost more than expected.

Tip: Even within “AAA,” the cancellation approach can differ because your policy may be issued by a different affiliated carrier depending on your ZIP code.

How To Confirm Your Cancellation Terms Before You Cancel

Before you set a cancellation date, confirm three things: (1) whether a fee or short-rate calculation applies, (2) how your refund is calculated and when it will be sent, and (3) what your policy requires to process the request (phone, in-person, or written notice).

To get the right contact path for your AAA club/region, use our AAA customer service contact guide, or call the number listed on your insurance ID card and declarations page.

You can also find your state insurance department contact information through the NAIC directory: NAIC State Insurance Department Contacts.

How To Cancel AAA Auto Insurance

AAA cancellations are typically handled through your local AAA insurance office or agent, not through a single national “one-size-fits-all” process. In most cases, you can cancel using one of these methods:

By phone: Call the AAA insurance number listed on your declarations page/ID card (or your local office) and request cancellation effective on a specific date.
In person: Visit a local AAA office and ask for a cancellation confirmation in writing.
By mail: Send a written request with your policy number, your preferred cancellation date, and your signature. If you need a template, use our car insurance cancellation letter guide.

Always ask for written confirmation of the cancellation date and keep it with your records.

What To Do Before You Cancel

Canceling auto insurance the wrong way can create a lapse or unexpected charges. Here are the most important steps to take first.

Time Your Switch Carefully

If your AAA policy uses a short-rate calculation, canceling earlier in the term may reduce your refund. In some cases, it can make sense to plan your move closer to renewal (depending on the price difference and how your policy is structured). For a step-by-step switching checklist, see our guide on switching auto insurance companies.

Make Sure Your New Rate Is Real

Get a final “bindable” quote from your new insurer before canceling AAA. Some quotes change after underwriting (driver reports, claims history, vehicle garaging, etc.). That’s especially important if you have tickets, accidents, or other factors on your driving record. You can also review how AAA pricing typically compares in your area here: AAA auto insurance rates.

Quick tip: Ask your new insurer for proof of insurance (ID cards) before you cancel AAA. It’s the easiest way to avoid a lapse and prove coverage if your DMV asks.

Avoid a Coverage Gap

Coordinate effective dates so your new policy starts the same day your AAA policy ends. Many policies end at the very start of the cancellation date, so timing matters. If you’re unsure how insurers treat end times, review our explanation of when a car insurance policy expires.

Don’t Forget Roadside Coverage

AAA is best known for roadside services, and your insurance change may or may not impact your membership benefits. If you rely on AAA for towing, lockouts, or battery help, review whether an AAA membership is still worth it for you, and compare it to adding roadside assistance coverage through your insurer.

Quick tip: If you’re canceling because you sold the car or moved, ask AAA whether you should cancel the whole policy or update/remove the vehicle first—sometimes there’s a cleaner option than a mid-term cancellation.

Will AAA Refund Unused Premium?

In most cases, yes. If you’ve paid ahead, you’re generally owed a refund for the unused portion of your premium after cancellation—subject to your policy’s cancellation method (pro rata vs. short-rate) and any applicable fees. Here’s how refunds typically work: refunds for unused auto insurance premiums.

To avoid surprises, ask when the refund will be issued and whether it will be sent as a check or returned to your original payment method.

Information You’ll Need To Cancel AAA Auto Insurance

Policy number
Named insured’s details (name, address, date of birth)
Driver’s license number (sometimes requested)
Requested cancellation date
Reason for cancellation (may be optional)

If you’re switching carriers, some insurers may ask for your new policy information to help confirm you won’t be driving uninsured (requirements vary by state and company).

Final Word on AAA Insurance Cancellation Fees

AAA auto insurance cancellation rules aren’t identical nationwide. Some AAA-affiliated insurers may reduce your refund when you cancel mid-term, while others refund on a straight pro rata basis. Before you cancel, confirm your policy’s refund method, line up new coverage to avoid a lapse, and get cancellation confirmation in writing.

State rules vary, and your policy documents control. When in doubt, contact your AAA office or your state insurance department for guidance.

FAQs on Canceling AAA Auto Insurance

Does AAA charge a cancellation fee?

Sometimes. AAA auto insurance is sold through regional clubs and affiliated insurers, and some may apply a short-rate cancellation method (reducing your refund), while others cancel pro rata. Check your policy documents or contact your local AAA insurance office to confirm.

Can I cancel AAA auto insurance online?

It depends on your AAA region and carrier. Many policies require you to call an agent/office, cancel in person, or submit a signed written request. Your declarations page or local AAA office can tell you the accepted method for your policy.

Will I get a refund if I cancel early?

Often, yes—if you’ve prepaid, you’re generally owed a refund for unused premium. The amount and timing depend on whether your policy refunds pro rata or uses a short-rate calculation, plus any applicable fees allowed in your state.

What information do I need to cancel my AAA policy?

Usually your policy number, the named insured’s details, and the cancellation effective date. Some offices may also request a reason for cancellation and confirmation that you have replacement coverage (requirements vary).

How do I avoid a lapse when switching from AAA to a new insurer?

Set your new policy to start on the same date your AAA policy ends, then request written confirmation of cancellation from AAA. Avoid any “gap days,” even short ones.

Is it better to cancel at renewal?

Often, yes. If your policy applies a short-rate calculation mid-term, waiting until renewal may reduce or eliminate the penalty. But you should compare the potential fee against the savings from switching sooner.

Is AAA membership canceled if I cancel AAA auto insurance?

Not necessarily. AAA membership and AAA insurance are different products. If you want to cancel or keep membership benefits (like roadside), confirm directly with your local AAA club.

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