Cost U Less Insurance in Sacramento: Reviews, Rates & More

Searching for affordable car insurance in Sacramento? Cost U Less is an insurance company with local offices throughout the Sacramento area. In this comprehensive guide, we’ll provide an overview of Cost U Less auto insurance, including rates, discounts, coverage options, customer reviews, and more.

An Overview of Cost U Less Insurance

Founded in 2002, Cost U Less is an insurance provider based in Sacramento, CA that offers a range of insurance products including:

  • Auto insurance
  • Motorcycle insurance
  • Boat insurance
  • Home insurance
  • Renters insurance
  • Commercial insurance
  • Life insurance
  • Health insurance

The company focuses on providing affordable rates to high-risk drivers who may have a hard time finding coverage elsewhere, such as those with DUIs or tickets on their record. Cost U Less has over 20 local offices in the Sacramento area.

Here are a few key things to know about Cost U Less car insurance:

  • Specializes in non-standard auto insurance
  • Local brick-and-mortar offices for in-person service
  • Available SR-22 filings for high-risk drivers
  • Monthly payment plans available
  • Discount programs available to save money

Next, let’s take a closer look at what Cost U Less offers for Sacramento drivers.

Cost U Less Auto Insurance Coverage Options

Cost U Less provides all the standard types of car insurance coverage. The basic policy options include:

  • Liability insurance – Covers injuries or property damage you cause to others
  • Collision coverage – Repairs to your vehicle after an at-fault accident
  • Comprehensive coverage – Repairs after non-collision damage like theft, vandalism, or weather events
  • Uninsured/Underinsured Motorist – Covers injuries when the at-fault driver has no or insufficient insurance
  • Medical Payments – Reimburses medical expenses for you and your passengers after an accident

In addition to the basics, Cost U Less also offers these popular add-ons:

  • Roadside assistance
  • Rental reimbursement
  • Rideshare coverage

Usage-based insurance: Cost U Less provides drivewise, a program that offers discounts for safe driving habits measured by a telematics device or mobile app. This can help high-risk drivers save.

Overall, Cost U Less provides extensive auto insurance coverage options for Sacramento motorists. Make sure to discuss your specific needs with an agent to customize adequate protection.

How Much is Cost U Less Insurance in Sacramento?

Cost U Less auto insurance rates will vary depending on your personal profile as a driver. However, here are some average yearly premium estimates for Cost U Less policies in Sacramento:

Driver Profile Average Yearly Premium
30-year-old single male, clean record $1,512
60-year-old married female, clean record $1,116
25-year-old single female, 1 speeding ticket $2,040
50-year-old married male, 1 at-fault accident $2,556

These are just examples – your actual rate will depend on specific factors like your driving history, age, location, vehicle, and selected coverage limits.

Cost U Less advertises that drivers can save up to $519 per year on average by switching to their policies. Definitely compare free quotes to find the best rate.

Discounts from Cost U Less Insurance

Cost U Less offers a number of auto insurance discounts to help drivers in Sacramento save money, including:

  • Good driver discount
  • Low mileage discount
  • Good student discount
  • Multi-policy discount
  • Senior driver discount
  • Anti-theft device discount
  • Drivewise usage-based discount

You may also save by paying your full 6-month or 12-month policy upfront rather than in monthly installments. Ask your agent which discounts you may be eligible for during the quoting process.

Cost U Less Insurance Reviews in Sacramento

Cost U Less Insurance currently holds 2.5 out of 5 stars across 89 reviews on BBB. Positive reviews highlight good customer service and affordable premiums from Cost U Less agents.

However, negative feedback cites issues like unreliable payments via the monthly installment plan, poor claims experiences, and lack of transparency with policy charges.

Here are examples of Cost U Less customer reviews in Sacramento:

“We have used Cost U Less for 5 years now. Rates are great and whenever I have question my agent is quick to respond.” – Melissa D.

“I would not recommend this company to anyone. Hidden fees all over the place and customer service is non-existent.” – Aaron T.

Overall, customer feedback is mixed. Make sure to get multiple quotes and read recent reviews before choosing Cost U Less.

Bundling Home & Auto Insurance

One option to save money with Cost U Less is bundling your home and auto insurance. This multi-policy discount can reduce your overall insurance costs by up to 20% in some cases.

Cost U Less offers homeowners insurance, renters insurance, and mobile home insurance for Sacramento property owners.

Bundling your car and home insurance together on one policy with Cost U Less provides these key benefits:

  • Save money with the multi-policy discount
  • Enjoy the convenience of having all your insurance under one roof
  • You’ll have just one renewal date for all your coverage
  • Work with the same agent and customer service team

Ask your Cost U Less insurance agent about how much you could potentially save by bundling insurance policies.

Filing an SR-22 with Cost U Less

Drivers who need an SR-22 filing in California can work with Cost U Less Insurance. An SR-22 provides proof of liability coverage required by the DMV after major violations.

Here are some key facts about SR-22 insurance with Cost U Less in Sacramento:

  • Provides SR-22 support for high-risk drivers
  • No down payment required for SR-22 coverage
  • Monthly payment plans available
  • Discounts may be available to offset higher rates
  • Non-owner SR-22 policies also offered

Talk to a Cost U Less agent about your specific situation to obtain the SR-22 documentation you need.

Cost U Less Insurance App & Payments

Cost U Less offers a few convenient ways to manage your policy:

  • Mobile app – Download the Cost U Less app for iOS or Android to access your ID card, pay bills, and more.
  • Online portal – Register for their online customer portal to check billing statements and make payments.
  • Payments – Choose recurring bank withdrawals, mailed payments, or pay in person at a local office.
  • Billing – Get bills monthly or pay for your full policy term upfront.

Usage-based drivewise program participants can track driving habits through the app. The technology provides feedback to help improve safety.

Is Cost U Less Insurance Recommended?

Cost U Less Insurance offers affordable auto insurance rates in the Sacramento area. However, is it the right provider for your needs? Here are the pros and cons:


  • Specializes in high-risk drivers
  • Local office locations
  • Offers SR-22 filings
  • Drivewise usage-based discounts
  • Discount programs to save money


  • Mixed customer service reviews
  • Monthly installment fees
  • No online quoting process
  • Some negative claims experiences

For high-risk drivers needing specialty insurance, Cost U Less may be worth considering. But make sure to compare with quotes from top insurers like State Farm, Allstate, and GEICO as well.

Top Alternatives for Car Insurance in Sacramento

Drivers in the Sacramento area have lots of options when it comes to auto insurance providers. Here are a few top choices to consider beyond Cost U Less:

  • GEICO – Highly rated national insurer with discounts like multi-policy, good driver, and anti-theft device savings.

  • State Farm – Excellent financial strength and large local agent network. Student and safe driver discounts available.

  • Allstate – Usage-based Drivewise program and new car replacement coverage. Bundling options.

  • Farmers – Strong coverage offerings and availability for high-risk drivers.

  • Mercury Insurance – Discount programs like responsible driver and loyalty savings.

No matter which insurer you choose, compare rates from at least three providers. This can save you hundreds per year on car insurance coverage.

The Bottom Line on Cost U Less Insurance

However, make sure to compare Cost U Less to top competitors, read recent customer feedback, and evaluate their financial strength before making a decision. Consider options like GEICO, Allstate, State Farm, and Farmers to find the best rate.

Use this guide to understand Cost U Less insurance offerings for drivers in the Sacramento area. Compare personalized free quotes to find the most coverage at competitive rates for your situation.

Get Affordable Car Insurance from Cost-U-Less Insurance Center


How much is car insurance in Sacramento California?

The Zebra’s key takeaways about car insurance in Sacramento: The average cost of a car insurance policy in Sacramento is $1,050 per six-month policy — or $175 per month.

What is the best full coverage car insurance in California?

According to our research, California drivers pay an average car insurance premium of $2,291 per year for full coverage and $2,291 for minimum coverage. Bankrate’s insurance editorial team determined that Geico, State Farm, Progressive and Mercury are among the best car insurance companies in California.

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