The average annual auto insurance premium in Sterling Heights is $2,956, which is significantly lower than the state average of $5,471. MoneyGeek analyzed the car insurance companies in Sterling Heights, based on coverage level and driver profile, and found that GEICO is the cheapest widely available insurer. Using MoneyGeek's ratings for the best car insurance providers in Sterling Heights, you can easily find an insurer that provides a balance of affordability and excellent service.
Compare the Cheapest Car Insurance Quotes in Sterling Heights
The Cheapest and Best Car Insurance in Sterling Heights
The Cheapest Car Insurance Companies in Sterling Heights
If you need a full coverage policy in Sterling Heights, the following two companies will provide you with the most affordable rates:
- USAA: $1,004 per year (only serving current and former military members and their families)
- GEICO: $1,455 per year
Most drivers consider affordability when comparing and searching for the best car insurance quotes. While USAA is the cheapest insurance company in Sterling Heights, it's not available for everybody, which makes GEICO the cheapest widely available insurer for the city's drivers. A similar policy from Hanover is the most expensive, costing an average of $5,950 per year. This rate is 308.9% more than what GEICO quotes.
These rates are calculated for a 40-year-old male driver purchasing a full coverage policy. The policy includes liability coverage to protect injuries and damages to others or their property, as well as comprehensive and collision coverage to cover your injuries and damages incurred to your vehicle.
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Average Cost of Car Insurance in Sterling Heights
The average car insurance rate in Sterling Heights is lower in comparison to the state average and more than twice the national average.
The average annual car insurance rate in Sterling Heights is $2,956. This is 46.0% less than Michigan’s state average of $5,471 per year for a similar policy and 107.6% more than the national annual average of $1,424.
The Best Car Insurance Companies in Sterling Heights
MoneyGeek has evaluated the top car insurance companies in Sterling Heights to help you find a company that offers competitive rates as well as high-quality service. Using our unique rating system, the following two companies received the same score and are rated the best in the city:
- The Hartford: 87.5 out of 100
- Auto-Owners Insurance: 87.5 out of 100
The ratings are established by using several factors, such as J.D. Power's consumer satisfaction, affordability, and financial stability study. With an impressive score of 100 out of 100 points, USAA was rated the best car insurance provider in Sterling Heights. However, since the company does not cater to all and only serves active and veteran military members and their families, MoneyGeek could not rate it as the best overall insurer in Sterling Heights.
Personalized Quotes to Get You the Cheapest Car Insurance in Sterling Heights
Multiple factors, such as age, gender, location/ZIP code, driving record, coverage level, car make and model as well as miles driven per year, all affect the annual auto insurance cost in Sterling Heights. Taking that into account, we recommend that you obtain personalized car insurance quotes.
For instance, if you are a 40-year-old male driver in Sterling Heights, GEICO will quote you an average annual insurance rate of $1,455. With a change in any of the above factors, the insurance rate and the quote can increase or decrease.
Insurance rates quoted by companies change from time to time. You must compare car insurance quotes regularly to find the cheapest car insurance rates in Sterling Heights. By comparing the quotes regularly, you have a high probability of knowing whether you qualify for discounts or rebates from the company.
Shopping around for car insurance in Sterling Heights could save you $1,501, which is enough to buy:
Cheapest Car Insurance in Sterling Heights by Coverage Amount
The amount of coverage you purchase, regardless of where you live, is one of the most important factors influencing the cost of your car insurance. A policy meeting Sterling Heights' minimum liability requirements costs $2,026 per year on average, whereas a policy with full coverage and higher liability limits costs $2,956 per year on average. This is a huge difference of $930.
Michigan Minimum Liability Requirements
- Bodily Injury$20,000 per person and $40,000 per accident. A more protective level is 100/300/100.
- Personal Injury ProtectionUnlimited per person. Unlimited per accident.
- Other$1 million property protection.
While your priority when looking for car insurance can be finding an affordable car insurance policy, you should also make sure the coverage will meet your needs as a driver. Drivers in Sterling Heights looking for the cheapest insurance policy can find a state-minimum liability-only policy from GEICO at an average premium of $986 per year.
A 50/100/50 liability-only policy or a full coverage policy with a 50/100/50 or 100/300/100 coverage offers additional protection. A liability-only policy only covers injuries and damages to other people or property if you're at fault for the accident. With a 50/100/50 coverage, you get up to $50,000 per person with a total coverage of $100,000 for all parties involved in an accident and a $25,000 property damage limit. A full coverage policy will offer maximum protection because it covers costs for all crash-related damages, regardless of who caused the accident. It also protects your vehicle from theft, fire, vandalism, and natural disasters.
GEICO offers a full coverage policy at about $260 more per year than a liability-only policy for Sterling Heights drivers. You can choose a full coverage policy with higher payout limits for added protection. However, this will cost you an extra $245 per year on average compared to a liability-only scheme.
Average Car Insurance Premiums: Liability-Only vs. Full Coverage
- CompanyState Minimumper year50 / 100 / 50per year
- Company50 / 100 / 50per year100 / 300 / 100per year
Cheapest Car Insurance in Sterling Heights if You Have Driving Violations
Car insurance companies in Sterling Heights may offer the lowest rates to the drivers with clean driving records. Being fined for one or two of the traffic violations, such as speeding, an at-fault accident, or DUI, will raise your car insurance premiums.
Drivers in Sterling Heights with a speeding ticket on their record will have to pay an additional $120 per year on average than a driver with a clean record. And drivers with a DUI record will be required to pay an additional $441 per year on average for a similar policy. In addition, if the driver is at fault for an accident, they will be charged around $567 more per year than someone with a clean driving record.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
Average Cost of Car Insurance by Postal Code
Your ZIP code or the neighborhood you live in has an impact on how much you will pay for your car insurance. Risk factors, such as car thefts, accidents and claims history vary by neighborhood. Insurers can charge you more for auto insurance if you live in one of the high-risk ZIP codes. Similarly, living in a low-risk ZIP code can qualify you for the lowest auto insurance rates.
The average auto insurance rates in Sterling Heights also vary by ZIP code. Residents of ZIP code 48310 will pay an annual average of $2,737 for auto insurance, which is $437 higher than what residents of ZIP code 48313 pay. This is a huge disparity.
- Zip CodeState Minimumper year
Factors That Impact Insurance Costs in Sterling Heights
In addition to individual driver needs and history, location-specific factors like personal injury protection coverage requirements and the percentage of uninsured motorists also contribute to car insurance rates in Sterling Heights. How Sterling Heights ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
Methodology and Assumptions
MoneyGeek’s average premium rates for Sterling Heights are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.
About the Author
- Kaiser Family Foundation. "2019 Employer Health Benefits Survey." Accessed January 16, 2020.