Cheapest Car Insurance in Sterling Heights, MI (2025)

Sterling Heights drivers pay an average of $1,152 per year for minimum coverage and $2,208 per year for full coverage. Comparison shopping gives you confidence that you're getting the lowest rates.

• Cheapest minimum liability coverage: Travelers offers Sterling Heights' most affordable minimum coverage at $384 per year ($32 monthly). That's 67% lower than the city average of $1,152, saving you $768 per year. AAA provides the second-lowest minimum coverage at $630 per year ($53 monthly), delivering 45% savings compared to the city average.
• Cheapest full coverage: GEICO delivers the most affordable full coverage at $1,201 per year ($100 monthly), 46% below the city average of $2,208. That's $1,007 in savings per year. Travelers ranks second for full coverage at $1,223 per year ($102 monthly), still 45% below the city average but $22 more than GEICO per year.

Car insurance costs vary by age in Sterling Heights, with younger drivers facing the highest premiums. Here are the most affordable options by age group:

• Adults: Travelers leads at the lowest rates, followed by AAA as the second most affordable choice
• Seniors: Travelers again offers the best value, with AAA providing a competitive alternative pricing
• Young drivers: AAA is the top affordable option, while Auto-Owners ranks as the second-best choice

Students under 25 can decrease their AAA premiums through the Good Student Discount, saving 14% for maintaining high grades. The Distant Student Discount offers 27% savings when attending school over 100 miles from home without a vehicle. Travelers helps senior drivers aged 50 and up save through its IntelliDrive Program, which monitors driving habits for 90 days.

Car insurance is more expensive if you have driving violations. Here are your cheapest car insurance options in Sterling Heights by violation type:

• Accident: AAA at $71 and Travelers at $85 monthly
• Ticket: Travelers at $58 and AAA at $75 monthly
• DUI: Progressive at $117 and AAA at $130 monthly

Minor violations in Sterling Heights remain on your record for seven years, with potential rate decreases after three years.

Sterling Heights drivers see different insurance costs depending on their neighborhood. Full coverage premiums are cheapest in ZIP code 48314 at $163 monthly, while residents in 48312 pay the highest rates at $204 monthly.

Travelers achieves 95 out of 100 on MoneyGeek's rating scale, establishing it as Sterling Heights' top car insurance provider. Auto-Owners follows closely with 91 out of 100.

Our evaluation considered agent network ratings, complaint data from the National Association of Insurance Commissioners (NAIC), J.D. Power studies and multi-platform customer reviews to assess claims handling and policyholder support.

Auto-Owners leads in customer service and claims satisfaction, earning high marks for standard and specialty coverage options plus unique add-ons. Travelers excels in affordability. 

See below for why each insurer is best and which fits your needs.

Sterling Heights residents have high auto insurance costs throughout Michigan. Shop around, secure affordable rates and select appropriate coverage:

Our insurance experts answer common questions about affordable car insurance in Sterling Heights:

We analyzed hundreds of thousands of quotes from major insurers using data from the Michigan Department of Insurance and Financial Services and Quadrant Information Services. Our research covered all Sterling Heights ZIP codes and adjusted for driver profiles including age, driving record, credit score and military affiliation. 

Our rating system weighs three factors:

Affordability (60%): Premiums matter most when you're deciding whether you can maintain coverage long-term. We compared minimum coverage (Michigan's state liability requirements) and full coverage (liability plus comprehensive and collision with $1,000 deductibles) to show savings across coverage levels.

Customer experience (30%): Google reviews and J.D. Power ratings reveal how insurers handle claims and resolve problems. This factor accounts for real customer interactions during stressful moments like filing winter weather claims or handling theft reports.

Coverage options (10%): More choices mean better odds of matching coverage to Sterling Heights risks like winter accident damage, uninsured motorists and theft in high-risk areas.