Cost U Less Car Insurance Review

California residents benefit from the different insurance options offered by Cost-U-Less Insurance. Find out if these coverage options fit your insurance needs.

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Cost-U-Less is a California insurance company that provides its insurance products to customers throughout the state. The company provides a range of coverage options with affordable rates and free quotes that even high-risk drivers can take advantage of.

Trying to know if Cost-U-Less is a good auto insurance company? Well, find out in this review how it works and what Cost-U-Less Insurance offers, and determine if this is the best insurance company for your insurance needs. If you are a high-risk driver in California, this may be the insurance company you are looking for.

Cost-U-Less Insurance Overview

Cost U Less is one of the companies that make up the largest group of private insurance brokers in the US, the Confie Seguros group. It is an affordable insurance company for California drivers based in Huntington Beach, California. It was founded in 1989, serving the Sacramento area, and later expanded to many communities and cities throughout the state.

Cost-U-Less is an insurance broker, as it does not offer auto insurance direct but the insurance products of its associated companies throughout California. Although Cost-U-Less cannot compete with the major national insurance providers, it insures hundreds of thousands of drivers throughout California. Today the company has more than 50 offices throughout California.

According to the Cost-U-Less website, its primary focus is on providing exceptional customer service while providing the highest quality and affordable auto insurance. Through its offices, clients can obtain coverage in person but also over the phone or online.

Cost-U-Less Insurance

Cost-U-Less Availability

The company may not be well known outside of California, but thousands upon thousands of Californians have benefited from the more than 100 affordable car insurance options available to them.

The company is particularly popular in central and northern California, although it has also expanded south to south of the state. Customers can visit more than 50 locations throughout California and get great auto insurance rates.

Cost-U-Less Insurance Products

The company offers a wide range of insurance products and services, among which the following stand out:

  • Car insurance
  • Motorcycle Insurance
  • Homeowners Insurance
  • Renters Insurance
  • Business Insurance
  • Workers Compensation Insurance
  • Travel Trailer insurance
  • Motorhome and RV Insurance
  • Boat Insurance
  • Jet Ski & Watercraft Insurance
  • Life insurance
  • Health insurance
  • Identity Theft Insurance
  • SR-22 Insurance Filing

Other notable services are:

  • Paintless Dent Repair Plan
  • Tire Hazard Protection Plan
  • California Tax Preparation
  • Vehicle Registration Renewals
  • Identity Theft Protection
  • Accidental death and dismemberment (AD&D) coverage

With Cost-U-Less Insurance, you can choose from the different coverage options offered. Whether you need the minimum amount of auto insurance or file an SR-22 because you’re considered a high-risk driver, through Cost-U-Less you’ll be able to get the coverage plan based on your individual characteristics.

Cost-U-Less Car Insurance Cost and Coverages

As the name suggests, Cost-U-Less focuses on affordable auto insurance in California. According to information provided by the company, drivers who switch to Cost-U-Less can save up to $762 per year on their auto insurance.

The company is most popular for offering auto insurance coverage. Among the different types of car insurance you can get from Cost-U-Less are:

  • Liability coverage: Some drivers don’t need expensive insurance for their fancy car but instead have a car that only needs basic auto insurance coverage. With Cost-U-Less, drivers can get affordable basic liability insurance. This coverage helps pay for bodily injury or property damage caused by a car accident in which you are found at fault. It is usually separated into property damage liability and bodily injury liability coverage. With this coverage, you will be able to drive legally on California roads while meeting the state’s minimum insurance requirements.
  • Collision Insurance: This coverage helps cover damage to your vehicle in the event of a collision, either with an object such as a tree, pole, or fence or with another car.
  • Comprehensive Insurance: In cases of damage to your vehicle due to situations that do not involve a car accident, comprehensive insurance covers the costs. This includes damage from vandalism, theft, natural phenomena such as storms, hail, and more.
  • Full Coverage: No insurance coverage is actually sold under this name. Full coverage insurance generally refers to the union of liability coverage, comprehensive coverage, collision coverage, and others. This protects you against most scenarios that a driver may face.
  • Uninsured/Underinsured Motorist: This coverage protects you from damage due to an accident caused by a driver with insufficient liability coverage or without insurance to cover the damage.
  • Medical Payments Coverage: After an auto accident resulting in injuries, this coverage helps cover medical expenses regardless of who is at fault.
  • Rental Reimbursement: This coverage will help pay for a car rental or public transportation fare during the time your vehicle is repaired following a claim covered by your policy.
  • Loan/Lease Payoff: If your car is totaled or stolen and you’re still paying on a loan or lease, this insurance covers the gap between what you owe and what your regular insurance pays. To include this coverage in your policy, you must first obtain comprehensive and collision coverage.
  • Custom Parts: If your car needs custom parts like custom paint, special tires, or RV tops, this coverage may cover some or all of the cost.
  • Roadside Assistance: If your car breaks down in the middle of the road, the roadside assistance service provides multiple options, including towing services, changing flat tires, locksmith assistance, and car rental discounts, among others.

Cost-U-Less Car Insurance for High-Risk Drivers

Those drivers who have poor driving records feel the rigor of California insurance laws. If you have accidents on your record, you can expect to pay California auto insurance rates 70% higher than drivers who have no violations on their driving record. Because state law prohibits insurance companies from considering your credit score in calculating insurance rates, you’d expect them to consider other factors, including driving history.

High-risk drivers often have a hard time finding affordable auto insurance rates from major providers. Even conventional insurers often deny policy applications to drivers with poor driving records. However, Cost-U-Less struggles to offer coverage and affordable rates to high-risk drivers who have not done better with other companies. That’s why many high-risk drivers who have been unable to qualify for California’s Low-Cost Auto Insurance Program are now Cost-U-Less policyholders.

Among the advantages of Cost-U-Less for high-risk drivers is the offer of SR-22 insurance. So if you’ve had at-fault accidents, multiple DUIs, or insurance coverage failures in California, chances are you can benefit from the company’s SR-22 insurance. If you need to drive legally in California, regardless of your high-risk driving profile, Cost-U-Less can offer basic auto insurance at an affordable price.

Cost-U-Less Car Insurance Discounts

One of the best ways to save money on auto insurance is to make sure you get the best discounts you qualify for. If you correctly provide your vehicle and personal information in the quoting process, you will automatically be offered significant discounts. Through Cost-U-Less, you’ll be able to get a range of standard discounts including:

  • Low Mileage: Drivers who drive a few miles annually will be able to qualify for this discount.
  • Good Driver Discounts: Drivers who maintain a clean, claim-free driving record for 3-5 years may qualify for a Cost-U-Less discount.
  • Student Discount: Although student discounts may vary, you may generally qualify for the Cost-U-Less student discount if you are a full-time student attending high school or college.
  • Multi-Policy Discount: Combining multiple Cost-U-Less policies can save you money on your insurance premium.
  • Multi-Vehicle Discount: If you have multiple vehicles to insure and do so under one Cost-U-Less policy, you may qualify for a multi-vehicle discount.
  • Military Discount: Members of the military may qualify for this Cost-U-Less discount.
  • Pay in full: If instead of paying monthly installments, you can pay your insurance policy all at once, you will receive a discount on your auto insurance rate.

Cost-U-Less Insurance Reviews

It’s not that easy to find unbiased Cost-U-Less reviews online since it’s not one of California’s best-known or top-rated insurance companies. It’s common for people not to write a review until something negative happens, such as when a claim payment takes too long.

However, based on several online Cost-U-Less customer reviews, here are the company’s pros and cons that will help you make an informed decision while evaluating your insurance options.

Cost-U-Less PerksCost-U-Less Drawbacks
After multiple accidents, DUIs, tickets, and other incidents, high-risk drivers can get basic liability insurance at rates they can afford.Although the company focuses on the affordable insurance market, Cost-U-Less is not always the cheapest option for average drivers in California.
Cost-U-Less provides service in its offices in English and Spanish through friendly bilingual agents and has websites in both languages.Because Cost-U-Less is an insurance broker and not an insurer itself, it charges high agent fees
Customers can get free quotes over the phone or online Billing costs and agent charges are not always clear
Free roadside assistance coverage in California
Provides a wide range of insurance options and offers discounts for bundling multiple products 

Our take on Cost-U-Less Review

If you are looking for different types of insurance coverage in California, Cost-U-Less insurance could be an advantageous option for you. The insurance broker offers standard policies that meet minimum state requirements at low prices and has insured thousands of drivers statewide.

But Cost-U-Less is mostly focused on providing high-risk drivers with affordable auto insurance coverage. The company offers specialized coverage at affordable rates even to drivers with accidents, tickets, multiple DUIs, SR-22 requirements, and other incidents on their driving records. This is why although Cost-U-Less is not in the group of the largest insurers in California, many of its policyholders are high-risk drivers who have not been able to find coverage with more recognized insurers. For more information on Cost-U-Less, visit and request a quote today.

But if you want to deal directly with insurance providers and not brokers or need insurance outside of California, then you should explore other options. Through the online marketplace, you can easily find insurance coverage deals in your area that best suit your needs. Enter your zip code below and start comparing insurance quotes.

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