How Much Does AA Insurance Cost in the UK?
AA Insurance charges an average of around £40 per month for car insurance in the UK. The AA is best known for breakdown cover but also offers car, home, and travel insurance. AA Insurance policies are underwritten by various partner insurers and sold under the AA brand.
| Product | Typical Monthly Cost | Cover Type |
|---|---|---|
| Car Insurance | £30–£70 | Third party, fire & theft, or comprehensive |
| Home Insurance (Buildings + Contents) | £20–£40 | Buildings, contents, or combined |
| Breakdown Cover | £5–£20 | Roadside, national recovery, or onward travel |
| Travel Insurance | £5–£15 | Single trip or annual multi-trip |
The AA serves over 15 million members across the UK and is one of the most trusted brands in motoring. According to the ABI, the average UK motor insurance premium was £635 per year in 2025. AA members may receive preferential pricing on insurance products, and bundling car insurance with breakdown cover can offer additional value.
For a full comparison of UK insurance providers, see our guide to UK Insurance subscriptions.
Does AA Insurance Auto-Renew?
Yes, AA Insurance auto-renews your policy unless you cancel or switch before renewal. Under FCA rules, the AA must send a renewal notice at least 21 days before your policy expires. The notice shows your new premium alongside your previous year's price.
AA breakdown cover also auto-renews annually. The FCA's loyalty pricing rules apply to insurance products but breakdown cover is not regulated as insurance — meaning breakdown renewal prices may increase for loyal members. Always check your renewal price against current offers.
The AA sends renewal reminders by email and post, and through the AA app.
How to Cancel AA Insurance
Cancelling AA Insurance or breakdown cover can be done by phone or through your online account.
Step-by-step cancellation
- Log in to your AA account at theaa.com
- Navigate to your policy or membership details
- Call the AA on 0800 107 0668 to cancel insurance, or 0800 085 2721 for breakdown
- Confirm your cancellation date
- The AA calculates any refund or outstanding balance
- Receive cancellation confirmation by email
For insurance products, cancelling within the 14-day cooling-off period is free minus days of cover used. After this period, a cancellation fee of around £45 applies. Breakdown cover cancellation terms differ — the AA typically offers a pro-rata refund minus an administration fee.
For alternative providers, see our guides to RAC and Admiral.
Is AA Insurance Worth It in 2026?
The AA brand carries significant trust in the UK motoring market. Combining insurance and breakdown cover through the AA can simplify your motoring costs, though insurance prices are not always the cheapest on comparison sites.
| Pros | Cons |
|---|---|
| Trusted brand with 15 million+ members | Insurance not always cheapest on comparison sites |
| Bundle insurance with breakdown cover | £45 cancellation fee after cooling-off |
| Member discounts on insurance products | Breakdown renewal prices can increase for loyal members |
| Strong breakdown patrol network (UK's largest) | Insurance underwritten by third parties, not the AA |
| Available on major comparison sites | Multiple products mean multiple renewals to track |
The AA's biggest advantage is the convenience of bundling. If you already have AA breakdown cover, getting your car insurance through the AA can simplify your motoring costs. However, always compare the total package cost against buying insurance and breakdown separately from providers like Hastings Direct for insurance and RAC for breakdown.
Track Your AA Insurance Subscription with Prunely
Prunely lets you add your AA Insurance and breakdown cover to see exactly when each renewal date falls. Set custom reminders 30 days before renewal so you have time to compare quotes. Track your AA spending alongside all your other subscriptions — energy, broadband, streaming, and more — without connecting a bank account. Prunely is free for up to 5 subscriptions.
Frequently Asked Questions
How much does AA car insurance cost per month?
AA car insurance costs around £40 per month on average. Your actual premium depends on your age, vehicle, location, and driving history. AA members may receive preferential rates. The ABI reports the average UK motor premium at £635 per year. Compare on comparison sites for the best deal.
Is AA Insurance underwritten by the AA?
No, AA Insurance products are underwritten by partner insurance companies, not the AA itself. The AA acts as an intermediary, selling and servicing the policies under its own brand. This is a common arrangement and does not affect your cover or claims process.
Does AA breakdown cover auto-renew?
Yes, AA breakdown cover auto-renews annually. Unlike insurance, breakdown cover is not regulated by the FCA's loyalty pricing rules, meaning your renewal price may increase over time. Always compare your AA breakdown renewal against current offers from the RAC and other providers.
How much does it cost to cancel AA breakdown cover?
AA breakdown cover cancellation terms depend on how long you have been a member and when you cancel. The AA typically offers a pro-rata refund minus an administration fee. If you have used the service during the current membership year, the refund may be reduced.
Should I bundle AA insurance and breakdown cover?
Bundling can offer convenience and member discounts, but always compare the total cost against buying insurance and breakdown separately. Sometimes a cheaper car insurance policy from a comparison site plus standalone breakdown cover from the RAC or Green Flag works out less expensive overall.