More than 600,000 California drivers trust Cost-U-Less Insurance Centers to give them high-quality, low-cost car insurance options from top-rated providers. With over a decade of experience and more than 85 convenient office locations throughout Califo...
Cost-U-Less Insurance (costulessdirect.com) has 464 customer reviews on Five Star Index, with an average rating of 4.8 out of 5.
Also known as
costulessdirect.com
Website
costulessdirect.com
Category
Insurance
Location
Huntington Beach, California
Listed on Five Star Index
2026
About these reviews
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The company replied to 100% of reviews.
Latest
Most recent review: October 2026.
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Reviews are shown as their authors wrote them. The company can reply, but cannot edit them.
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I can’t believe how totally rude. The customer service helpers are and they’re all guys unbelievably rude. Why would anybody want any of this insurance any of it? It’s unbelievable. They hang up on you. They talk back at you. Who are these people? Think they are especially the one in California unbelievably rude. I’m not going through this company anymore. They suck.
Response from Cost-U-Less InsuranceApr 30, 2026
Hi,
Thank you for taking the time to share your experience. We're truly sorry to hear that your interactions with our agency left you feeling frustrated and unsupported. That’s not the level of service we strive to provide, and we appreciate your honesty in pointing out where we fell short. We’d like the opportunity to make this right. If you're open to it, please reach out to us directly at (888) 443-46622 so we can review your case and ensure you get the clarity and assistance you deserve. Thank you again for your feedback—it helps us grow and serve our clients better.
ME
Mei
We paid $438 for 6 months
Hi,
We paid $438 for 6 months, but we cancelled it in 33 days. Why did we only get $255 refund? Why did the insurance take a lot of money from us? It's like stealing money. 😭
Thanks
Mei
Response from Cost-U-Less InsuranceMar 6, 2026
Hi Mei,
Thank you for taking the time to share your experience. We're truly sorry to hear that your interactions with our agency left you feeling frustrated and unsupported. That’s not the level of service we strive to provide, and we appreciate your honesty in pointing out where we fell short. We’d like the opportunity to make this right. If you're open to it, please reach out to us directly at (888) 443-4662 so we can review your case and ensure you get the clarity and assistance you deserve. Thank you again for your feedback—it helps us grow and serve our clients better.
KS
Kurt S.
Rude and weird phone calls
I was trying to get a quote and I had unfortunately met with the rudest reps, they hung up abruptly after we agreed they had incompatible figures to my current insurance.
Response from Cost-U-Less InsuranceNov 28, 2025
Hi Kurt,
Thank you for taking the time to share your experience. We're truly sorry to hear that your interactions with our agency left you feeling frustrated and unsupported. That’s not the level of service we strive to provide, and we appreciate your honesty in pointing out where we fell short. We’d like the opportunity to make this right. If you're open to it, please reach out to us directly at (888) 443-4662 so we can review your case and ensure you get the clarity and assistance you deserve. Thank you again for your feedback—it helps us grow and serve our clients better.
JC
Jessica C.
Beware
UPDATE!!!
I called in to this number and they had. NO IDEA who you were or why you sent me to them. Instead I dealt with a Luis from Freeway insurance (your subsidiary company) says that he, just like Shako Adams, can do nothing. Instead of attempting to listen to me he avoided my questions, my concerns and continued to ignore me. He instead told me all the things he thinks should have done. He didn't bother to help, and EVERY SINGLE TIME I gave a point he dodged it and again refused to help!
Instead he said he was going to forward the information to her District Manager... HA!! Just like she did and I've heard nothing.... Unless that is you... then call me!
So. If you wanna help, put us on full coverage before 3/24/2024 and accept our claims. Make sure Shako Adams gets an education on proper customer service and a serious talking to. Also, give me a number where we can talk. Because now I'm reporting both your company and Freeway to the Insurance Commission
—————————
Shako Adams (out of Woodland, Ca) is a horrible broker! How is she a Branch Manager!!! She stated she was with us every step of the way... HA!!
Really, does no one understand what customer service is anymore? As someone who's worked in customer service, it doesn't take long to reply to a client especially one who wants to give you more money....
On 12/22/2023 we began our journey with Shako Adams and Cost-U-Less Insurance. After gathering our information, She stated she couldn't insure us same day, instead she talked us into Liability insurance only, told us that we should be safe until we got upgraded 30 DAYS FROM THEN. Yet in the 2 MONTHS we've been trying to reach her she couldn't even be bothered to reply to our email requests, instead she just left us hanging. We called in, got the he run around and got hung up on.
Her excuse was "I'm busy" and "I never saw your emails" and " I'm not in the office".
Instead she chose to ignore us, treat us as we weren't important enough to be acknowledged and because of her and Cost U Less's negligence we weren't given what we begged her for, an upgrade to full coverage and for her "To help us every step of the way".. But, because she didn't want to answer her emails or respond in any way we now have a totaled car.
THANKS A LOT!!
So, be careful with this company...
Also, be lucky if you get them to respond and acknowledge anything, she sure hasn't ... and I doubt she's gonna forward my information to anyone higher up than her...
I'm waiting!!
Response from Cost-U-Less InsuranceApr 1, 2024
Hello Jessica, thank you for your feedback about our service. We’re really sorry to hear about your recent experience with our company. Customer Service is highly important for us. In order to assist you better, please provide to us your contact or policy information, to follow up with you.
You can email us at [email protected] or call us at 1-800-960-0036.
SU
Susie
Always saying you're going to send my…
Always saying you're going to send my insurance card to the mail and don't I don't get monthly notices in the mail about my payment being due
Response from Cost-U-Less InsuranceMar 14, 2024
Hello Susie, thank you for your feedback about our service. We’re really sorry to hear about your recent experience with our company. Customer Service is highly important for us.
We would like to investigate this issue further or you can email us at [email protected] or call us at 1-800-960-0036.
AA
Angelica A.
Paid $500 on a Wednesday to start a…
Paid $500 on a Wednesday to start a policy tried cancelling less than a week in due to changes. Requested to keep an SR active and to just get a credit applied for the following months since I no longer need vehicle insurance. They increased my payment quote for the SR22 and advised that I’d still have to pay monthly out of pocket for that alone. This place is overpriced
Response from Cost-U-Less InsuranceFeb 26, 2024
We’re really sorry to hear about your recent experience with our company. Customer Service is highly important for us.
Reviewing the account, we see you removed the vehicle 2011 Hyundai Genesis and your premium decrease a total of $334.12.
That amount was divided towards your next monthly payments as credit and that is the reason you will pay $66.97 per month.
The payment you made for $515 on 2/14/2024 was only the down payment equal a deposit in order to activate the policy.
If you have more questions you can call our complaints line at 1-800-960-0036.
DM
Daniel M.
Never received the copy of my…
Never received the copy of my insurance. After I paid for it
Response from Cost-U-Less InsuranceDec 26, 2023
Hello Daniel, thank you for your feedback and we are sorry for the inconvenience. We see you purchased the policy over the phone and everything was sent to your email. We sent the documents again and the hard copy can take up to 2 weeks due to the holidays.
PP
Patricia P.
I do not recommend this company
I do not recommend this company. On October 23rd I received a document that stated my payment would be made automatically on the 16th of each month. When that day came in November I got a cancellation notice saying my insurance expired due to lack of payment. When I called to make a payment I was told it was too late to make a payment of $73.24. When I told them I did not even get a bill I was told it was sent and not sure why you didn't get it. I had just made a payment on 10/20 per my bank and I was told that was for October. I was told I could not renew my policy because it had already expired. I asked for a new policy and I was told it would cost $300 per month. The answer to my question "why" was one word... "inflation" How could my payment go from $73.24 to $300? I now have a new auto policy for $115 mo thru AAA.
Cost-u-less actually cost me more with my time and the stress of finding auto insurance at the last minute so I could drive to work with insurance.
Response from Cost-U-Less InsuranceNov 22, 2023
Hello Jacey, thank you for your feedback about our service. We’re really sorry to hear about your recent experience with our company. Customer Service is highly important for us. In order to assist you better, please provide to us your contact or policy information, to follow up with you.
We would like to investigate this issue further or you can email us at [email protected] or call us at 1-800-960-0036.