Cost-U-Less has been providing inexpensive car insurance for California drivers since 1989. Cost-U-Less has been providing inexpensive car insurance for California drivers since 1989. From our beginnings in Sacramento, Cost-U-Less Insurance has expanded across Northern, Southern and Central California. While much of our original growth happened in Northern and Central California, including Sacramento, Redding, Stockton, Modesto, Fresno, Bakersfield and surrounding cities, we are now pleased t...