May 20

Cost U Less Insurance Review


Cost U Less Car Insurance Review

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quick highlights

Cost U Less is only located in California

They offer coverage to people who've had tickets or accidents recently.

According to online reviews, they may charge undisclosed fees.

Cost U Less Car Insurance specializes in offering SR-22 filings.

They also offer home, renters, and life insurance policies.  

Contact Info
7711 Center Ave. #200
Huntington Beach, CA 92647

Freeway Insurance is the mother of Cost U Less.  Freeway Insurance has been around for a long time.  They also sell insurance to people with tickets and accidents on their record.

Dodo Definitions

Non-Standard Insurance Companies:

Non-Standard Insurance Companies are those that cater to people with poor driving records or people who otherwise don’t qualify for standard market insurance.

Standard insurance companies include All State, Farmers, or Safeco.

Cost U Less has several options available for affordable auto insurance.

If you live in California, Cost U Less is a very cheap option for car insurance.

In this Cost-U-Less Insurance review, we’ll highlight the business’ services, strengths, and weaknesses to help you compare with other competitors.

How Does Cost U Less Auto Insurance Coverage Work?

Cost-U-Less provides cheap car insurance to California residents.

They are geared towards drivers who need an SR-22 filing.

If you receive a ticket for driving under the influence of alcohol or drugs, you will need an SR-22 filing from your insurance company.

The company offers free online quotes to accommodate drivers with coverage that they can afford.

Many of their services are suitable for high-risk drivers (including ticket, accident, or DUI records), experienced drivers, and novice drivers.

The Cost U Less website is built to educate drivers who have recently received a DUI.

To calculate a quote, Cost-U-Less identifies specific factors to finalize a cost.

These factors include:

  • Your location
  • Gender
  • Age
  • Credit score
  • Driving record
  • Type of vehicle you own
  • Marital status

This practice allows you to have another chance at car insurance.

Other companies might deny a claim if you have a continuous history of receiving driving tickets.

Where Is Cost U Less Insurance Located?

Cost U Less is located in California.  With many agency offices in the greater Los Angeles and Central Valley areas.  

You can buy insurance via their website or by calling one of their agents on the phone.

How Does Cost U Less Insurance Offer Car Insurance Discounts?

Cost-U-Less Insurance offers several options for car insurance discounts. 

Depending on your status, it may last longer based on your lifestyle or track record. 

If you fall under any of these categories, it would be wise to ask your insurance agents for their insight:

  • Good driver discount
  • Student discount
  • Military discount
  • Multi-policy discount
  • Multi-vehicle discount

Good Driver Discount

Have you avoided tickets and accidents for five years?  This is your discount!

Cost U Less wants to insure good drivers.

Through this option, you’re encouraged to stay vigilant while driving and receiving benefits for your efforts.

Student Discount

If you’re a full-time student attending high school or college and have a grade point average of 3.0 or better.

You will need to provide a copy of a report card or transcripts in order to be eligible.

 The typical age demographic for this discount ranges between ages 16 to 24. 

Military Discount

If you’re an active member of the military, you may qualify for this type of discount.

 You may find this favorable at or away from home.

 You can also consider getting this discount for family members in the military if you don’t qualify. 

Multi-Policy Discount

A multi-policy discount might be ideal if you have different types of insurance coverage policies. 

By combining all your policies into one discount plan, you can save money for each of your eligible discounts. You might find this convenient instead of paying separately for each one.

Multi-Vehicle Discount

A multi-vehicle discount allows you to insure multiple cars under one policy. 

One of the critical factors for eligibility includes having more than one car registered at the same address. 

This discount might be ideal if you don’t want to pay separate insurance fees for each of your cars.

How Much Does Cost U Less Auto Insurance Cost?

Cost U Less is a lot less than the big named companies.  (Such as State Farm).

 Some of their premium plans typically cost a few thousand dollars for full-year or half-year coverage. 

Although some people might show concern about these costs, it might work for you if you balance your budget.

Payment Plan Offers

Cost U Less wants to make it easy for their customers to pay the bill.  

So they have come up with several billing plans to choose from.  

 They allow you to pay it in full with a one-time payment, quarterly payments, or monthly payments.

Once your due dates arrive, you can pay your bills online, on the phone, through the mail, or in-person. 

Will Cost U Less Cover My Teen Driver?

Every parent knows adding their teenage driver is very expensive.

Teen drivers are way more likely to cause an accident, so all insurance companies charge you more.

Cost U Less will charge more for a teen driver, but maybe not as much as other companies.

The average cost of adding a teenager to your auto policy is between $1,100 to $1,300 per year. 

Although this rate increase seems too high, there are several things you can do to keep this rate as low as possible while protecting your teenage child. 

An excellent solution to consider when adding a teen to your auto policy is to review eligible multi-car discounts

You can also encourage your teen to get good grades.  Cost U Less offers a good student discount for kids who maintain a 3.0 GPA or better.

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Pros and Cons of Cost U Less Car Insurance

As with many car insurance businesses, there are many advantages and disadvantages when using their services. 

By comparing the positives to the negatives, you can narrow down if Cost-U-Less is worth your time and resources. 

These factors might differ from person to person, so it’s up to you to decide. 


Customized Policies

Pick the coverage you need to fit your budget.  They give you complete control in picking from over 100 options, including basic and premium insurance plans. 

Easy access to quotes

you can go online or call in for a quick quote.  

Years of experience

They have over 30 years of experience helping people save money on car insurance. 

This service might favor you if you prefer working with reputable and experienced insurance agents.

 If one of your peers used Cost-U-Less’ services, you could ask them about the best agents to seek.

24-Hour Roadside Assistance Services

Another benefit of using Cost-U-Less is their roadside assistance services

Suppose your car malfunctions, or you get a flat tire. 

Your Cost U Less policy can help pick up the cost of a tow or roadside repair.

If you don't know how to change a tire, this service is valuable.  

Reliable Payment Outlets and Methods

Depending on your preferences, you can make payments online or through the phone. 

Cost-U-Less accepts check and credit card payments, too.

 One advantage of this is flexibility in paying for your auto insurance without getting too complicated.

SR-22 Insurance Service

You can also use Cost-U-Less to apply for SR-22 insurance.

Although this process may differ depending on your driving record, you can renew it early to prevent unwanted cancellations and suspensions.

Using this service might be best for specific situations, such as not having insurance at the time of an auto accident.

Their insurance coverage is ideal for several types of vehicles, including cars, motorcycles, and boats. This diversity might be promising if you own multiple vehicles on your property.

Comparison quotes are quick, easy, and free!


Although Cost U Less has many components that people may favor, you might not enjoy some aspects of their services. 

These cons might get mentioned in a Cost-U-Less Insurance review.

Here are some disadvantages you should consider before deciding on using their services.

Services Designated for California Residents Only 

One of the main disadvantages is their service limitations. 

Their company only offers services to drivers residing in California.

If you live in one of the neighboring states, you might want to choose another option.

Pricey and Unplanned Broker Fees

Another problem you might encounter is unexpected broker fees.

Some of these fees may turn out to be quite expensive for some budgets, despite ensuring customers lower auto insurance costs.

If you try to cancel a policy before a payment or renewal deadline, they’ll still charge you a pricey broker fee.

They may also overcharge you for specific insurance plans. 

Might Not Suit Every Budget

Although Cost-U-Less Insurance ensures lower insurance costs to match or accommodate your budget, their insurance plan options might not always be cheap..

If you want to compare each of the costs, it would be best to request quotes to see if their services are right for you. 

Communication Problems

You might have difficulty contacting company agents if you want to voice complaints about unwanted fees or suspensions. 

You may want to consider other options if you can’t reach out to people in the company and want to resolve the issues you have. 

Quoted price Might Increase

When you contact an insurance agent, you should expect them to give you a reliable quote.

There are some cases where if you visit them in-person to discuss payments, the quotes might change from the ones initially discussed on the phone.

If you don’t want to waste time arguing, you may want to find set costs that won’t change. 

What Are Cost U Less' Financial Ratings?

Cost-U-Less’ financial ratings tend to be affordable and cheaper compared to other auto insurance services on the market. 

They’re top-rated for giving specific drivers a second chance for reliable insurance services, regardless of their history or condition. 

As far as California auto insurance firms go, they’re ideal for people who want to save at least $700 for their vehicle coverage.

Top ratings fall under three stars, while its lowest range near one star.

Cost U Less Auto Insurance Reviews and Complaints

Although Cost-U-Less Insurance in Modesto, CA, and other locations might be an ideal company for some people, others might have issues with their services. 

A Cost-U-Less Auto Insurance review might emphasize issues about billing, collecting, and overall service quality. 

While not as prominent as mainstream companies, there’s still plenty to talk about it.

My Three Cents

My Three Cents expresses their complaints in their Cost-U-Less Car Insurance review about their rising rates.

Although Cost-U-Less typically discusses insurance quotes for free, there might be a slight chance of you encountering surprise fees as you prepare to pay. 

Another complaint they had was the high broker fees after changing the approximate quote cost.


Yelp praises Cost U Less Insurance for its exceptional customer service and initial setup for insurance plans. 

When narrowing down your insurance services options, it would be best to choose one that allows you to communicate with them civilly. 

Some of their complaints include higher billing charges and might suspend a discount on short notice if you don’t meet its criteria.


Birdeye’s Cost-U-Less Insurance review praises this company for its fast services. 

This insight might be suitable for you if you think they can find you an insurance plan or discount that suits you best.

Although there may be slight problems with customer service, their general reviews ensure measurable satisfaction when you do business with Cost-U-Less.


Google’s Cost-U-Less Insurance reviews enjoyed the company’s customer service, payment option plans, and fast setup speed. 

These reviews might be favorable for you if you want to spend a short time applying for insurance in-person or at home. 

Although this outlet doesn’t list too many complaints, it would still be wise to stay prepared for anything unexpected.

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Cost U Less BBB Reviews

The Better Business Bureau considers Cost-U-Less a reliable service for high-risk drivers and notes how some of their costs and charges might be inconvenient for some customers. 

Although some might tolerate these inconveniences, you might not. 

One BBB Cost-U-Less Insurance review expresses billing and collection issues they have. 

After paying the initial fees for an insurance policy, you might see charges for a broker fee that they didn’t discuss with you.

If you encounter this, you might feel a hint of dishonesty.  This is actually illegal.

Insurance law in California requires agents to disclose all broker fees to their clients. 

These extra fees spring up a few weeks after applying.

These fees insinuate withdrawal fraud and enforce recurring payments without the customer's consent. 

You would probably prefer building a trustful relationship with insurance experts instead of one with deception and mistrust.  

Down payments and premiums worth more than what they promised you might be enough to narrow down alternatives before choosing insurance that’s worth your time.

Compare Policies

Action Item:  When comparing auto insurance companies, don’t decide based on price alone.  Get two to three quotes, then call or chat online with the company and ask about their claims process.  Does it sound easy and reliable?  You can get started comparing quotes here. 

Final Thoughts

If you qualify for another, more well known insurance company, like State Farm or All State for example, you may want to go with them.

The savings offered by Cost U Less better be very significant and you should be ready for them to not have the best customer service.  

Cost-U-Less provides vehicle insurance services for citizens living in all corners of California. 

Although they offer several insurance products, their main priorities are providing affordable car insurance for California residents, including high-risk drivers who might not qualify for other companies’ insurance.   

You might find its multiple discount options helpful, depending on your interests or lifestyle with others.

Their services might also help when you need roadside assistance for any of your road vehicles and if you desire insight from experienced insurance experts.

Their insurance plans might not be suitable for your budget if you don’t want your quotes to rise occasionally.

Although some broker fees are unavoidable, it would be best if you compare the costs of your insurance policies carefully. 

You should gather at least three different quotes when shopping for car insurance.  

If you do that, you can make the most out of your best options.


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