Cost-U-Less Insurance Reviews

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About Cost-U-Less Insurance

Cost-U-Less is an insurance company that offers auto coverage and SR-22 policies for high-risk drivers. The company also offers renters, homeowners, family, life, identity and theft insurance. Currently its comprehensive auto coverage is available only to drivers in the state of California.

Pros
  • SR-22 filing options
  • Plans for high-risk drivers
  • Comprehensive coverage
Cons
  • Quotes subject to increases
  • Limited to drivers in California

What is Cost-U-Less car insurance?

Cost-U-Less auto insurance provides coverage for a variety of vehicles and drivers in California. The company offers more than 100 insurance options, including renters, homeowners, workers comp, health, life, identity and theft coverage, and it currently has over 80 locations. It covers high-risk drivers and provides policy discounts. Cost-U-Less’s perks include free roadside assistance and SR-22 policies, though SR-22 filing costs depend on your driving record.

How does Cost-U-Less car insurance work?

Cost-U-Less offers free quotes and matches drivers with suitable coverage. The company uses insurance scores, driving records, vehicle type, location, gender and other factors to determine quotes. Policyholders can pay their bills online, over the phone, by mail or in person at a Cost-U-Less office.

Cost-U-Less car insurance quotes and costs

You can get a free insurance quote online or through the Cost-U-Less customer service line. The company does take into consideration credit score and driving history, but it also provides options for high-risk drivers. Its policyholders can get specialized plans and low-mileage, passive-restraint, multicar, safety and anti-theft discounts.

Cost-U-Less car insurance FAQ

Where is Cost-U-Less available?
Currently, Cost-U-Less is available only in the state of California.
Where is Cost-U-Less located?
Cost-U-Less is located in Sacramento, California.
Who owns Cost-U-Less?
Confie, an independent personal lines insurance distributor, owns Cost-U-Less.
Does Cost-U-Less offer comprehensive coverage plans?
Yes, Cost-U-Less provides comprehensive and collision coverage at competitive rates.

Is Cost-U-Less insurance good?

Cost-U-Less offers competitive rates and thorough coverage, such as free roadside assistance, SR-22 filing and comprehensive policies. It provides a variety of standard and premium plans and covers a wide array of vehicles, including cars, motorcycles, boats and more. Cost-U-Less can help you save money on comprehensive coverage; however, it’s only available to drivers in California.

Cost-U-Less Insurance Reviews

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    Page 1 Reviews 0 - 10
    Kavy increased rating by 3 stars.
    Customer ServicePunctuality & SpeedStaffBilling
    After a positive interaction with Cost-U-Less Insurance, Kavy increased their star rating.

    Original Review: Nov. 3, 2025

    The ladies at the office are extremely helpful and kind but had a problem with Joseph from corporate. Received calls multiple times and his tone is very rude to paying customers and received threats on collection. First month only with this company and already had problems. Only received a late payment because was told I had a full month to pay the deposit which I paid more than half. The other half is not due for couple days yet and already getting pressured even after I spoke with the office about it. Joseph should leave his attitude at the door when he shows up for work. Didn't deserve the rudeness. Canceling policy soon. Will not do business after I pay first month's due. Highly not recommended.

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    Cost-U-Less Insurance
    Response from Cost-U-Less Insurance

    Thank you for bringing this to our attention. We're sorry to hear about your experience with Joseph from corporate and sincerely apologize for any frustration caused. It's important to us that all our customers should are treated with respect and courtesy. We understand your disappointment regarding the communication about your deposit and policy, and we're committed to addressing this issue seriously. Our team is re-evaluating our policies communication procedures to prevent such situations in the future. Please reach out to our customer service department so we can discuss this matter directly and work towards an appropriate resolution.

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      CoverageSales & MarketingPriceRefunds & PayoutsStaffHonesty & Transparency

      Reviewed Oct. 11, 2025

      I became insured by Cost-U-Less Insurance recently. And without my knowledge or consent the person who wrote up my policy enrolled me in their Travel club and painless dent repair and windshield crack repair discount programs. It apparently costs $90 per year for this added program that I was unaware of but am paying for without my knowledge or consent. I find that to be both dishonest and inexcusable. I purchased a basic minimum liability automobile insurance policy. I drive a old Jeep CJ-5 that I don't care about dings or dents happening to. It's painted Olive Drab green and is easily touched up by myself at home. I understand that their choice to add such coverage without my knowledge or consent is considered to be fraud. I don't want it, will never need it but am being forced to pay for it because they insist it cannot be removed from my policy. I consider this to be theft.

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      Cost-U-Less Insurance
      Response from Cost-U-Less Insurance

      We sincerely apologize for the distress this situation has caused you. Thank you for bringing this to our attention. It’s important for us that our customers fully understand their policies and feel confident that they contain only the coverage they intend to have. We deeply regret any misunderstanding that may have occurred in this instance. Please know your concern is of importance to us. We aim to resolve issues efficiently and transparently. Please reach out to our customer service team directly to address this concern. We are dedicated to finding a resolution that aligns with your requirements and satisfaction.

      CoveragePriceStaffRates

      Reviewed May 23, 2025

      Thankfully, it was recommended by a family member. I was struggling to find the right insurance price. After speaking to the agent, Manuel ** has helped me and explained well and clear for me to understand. 👍🏻

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      Cost-U-Less Insurance
      Response from Cost-U-Less Insurance

      Thank you for taking the advice from your relative to use our services, it was a pleasure to have been able to help you find the right price for you. Do not forget to recommend your family and friends as well, we will be sure to look out for them and get them the right price as well. Have a great day!

      Profile pic of the author.
      CoveragePriceStaff

      Reviewed May 13, 2024

      I had the pleasure of speaking to Laxlam who help my family get a great quote on a first time driver's policy. Thank you so much for your patience & care. We are excited to know that our new driver is insured and that we got a good deal.

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      Cost-U-Less Insurance
      Response from Cost-U-Less Insurance

      Hello Marlha, thank you for taking the time to leave us a positive review. We cannot do it without customers like you. We hope to see you soon!

      Customer ServiceCoverageStaff

      Reviewed Feb. 17, 2021

      I cannot express how terrible of an experience I've had with this company and all of its associates and I didn't even have my policy with them for more than 1 hour!!! STAY AWAY!!! This place absolutely scams people and takes complete advantage of people who are out of options when it comes to auto insurance policies. I needed an SR-22 and this company took $200.28 from me to get the policy started that day but the total needed to begin the policy was $400.28, so they took an additional $200.00 from me less than 1 month later EVEN THOUGH I had CANCELLED my policy the very next day!!!

      I was told by the girl who helped me get the policy that I could not cancel the same day I got the policy so I had to wait until the next morning to call them back and get everything cancelled. So initially I was only out $200 which wasn't that big of a deal and I was told that I would be receiving my money back within 30 days (super long refund time???). All of a sudden less than 1 month later, the additional $200.00 that was needed to sum up to the $400.28 fee to start the policy was taken out of my account. I have been in contact with these people regarding the cancellation of my policy and my refund literally at least once a week for the past 3 weeks and I STILL HAVE NOT GOTTEN MY MONEY BACK AND I STILL RECEIVE EMAILS "CONGRATULATING" ME ON MY NEW POLICY.

      Every person I've spoken to from this company has assured me that I should be receiving my money back until today on Feb. 17, 2021 I spoke to an associate by the name of Andrea who told me that in fact I am NOT getting my money back. This was the first time I had heard this from anyone and I've spoken to at least 5 different people all on separate occasions? Their associates are all inconsistent, none of them seem to be trained on their policies, not to mention it's always a pain to try to even get in touch with someone and sometimes when I do, the call gets disconnected and the robot voice tells me "goodbye". All in all, it's incredibly sad that people who have no options are stuck having to go through businesses like this that take complete advantage of people who literally just need some help and they do it with a smile on their face.

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      Customer ServicePriceStaff

      Reviewed Aug. 1, 2020

      They overcharged me for 3 months on a SR-22. DMV notified me I didn’t need one anymore. Cost U Less informed me, they get in charge of canceling the SR-22 once it’s expired and I was not supposed to paid for it up to April 2020 and they continue charging me for no reason and they didn’t want to give me a refund. Worst company, worst customer service, worst training with employees and their managers are number worst as well. Instead of helping, they abuse of the customers. I can’t believe you guys are an actual business.

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      Customer ServiceStaff

      Reviewed June 19, 2020

      Liars,Thieves and poor Service at Freeway and Cost-U-Less. Customer Care Sucks! Troy quoted us $225 down and $87 a month undercutting his fellow Salesperson by $25 down. Troy then deducted the $225 from credit card before sending us contract. When we saw the extra $127 due in two weeks in said he thought he told us (3 people were told the same lie). We called Customer Care and 3 calls and about 3 hours on hold they said son shouldn’t have online signed contract and we %}^^{ pound sand. They don’t care that their people lie and cheat their customers. They refuse to take care of Customers! Don’t go there!!!

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      Price

      Reviewed May 14, 2020

      I contacted Cost-U-Less Insurance and spoke to Troy **. I was told my policy deposit was gonna be 120 dollars to start and 30 days I would have payments of 74 dollars. 2 weeks later they charge my debit card without my permission and say that I owe them 200 dollars still and I agreed to that. I was lied to and deceived by their company. Never will I recommend to anybody.

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      Customer ServiceCoverageStaff

      Reviewed Nov. 22, 2019

      I called for a quote for auto insurance and a SR22. Spoke with Glenda in the Los Banos office. She was very helpful. I currently have auto insurance but they do not offer SR22. Glenda made everything so easy. Was patient with me. Very informative. Explained the way it worked, all cost associated and how they can even send everything to me via email. I can't say thank you enough and keep up the great job. Sincerely Lettie **.

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      CoveragePrice

      Reviewed July 5, 2019

      This company may offer you a lower monthly payment. However their Brokers fees are through the roof and even if you cancel your policy before 2 weeks they will still charge you $300 in Brokers fees on whatever method of payment you gave them. And will no longer offer you a policy if you cancel. I've never heard of refused service and refused a refund! I understand prorate and have no issues with that. My confusion is simply how do they charge $300 this month for a policy I canceled last month and refused a refund! This probably happens often enough that they charge ridiculous fees just to keep the lights on..because I cant see how a company like this stays in business without changing people for a policy they dont have and then refusing to give the money back!

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      Cost-U-Less Insurance Company Information

      Company Name:
      Cost-U-Less Insurance
      Website:
      www.costulessdirect.com