bestauto insuranceSterling HeightsCompare the Cheapest Car Insurance Quotes in Sterling Heights, MI
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Ensure you're getting the best rate. Review quotes from a top insurance company.
It’s not just your profile, driving history and coverage amount that determines how much you’ll pay for car insurance. It’s the insurance company itself. GEICO offers the cheapest, widely available full coverage car insurance in Sterling Heights on average, while Nationwide is the most affordable option for state minimum coverage. It’s also the cheapest insurer for drivers with a speeding ticket. USAA is the best option in all cases, but it’s exclusive to members of the military. MoneyGeek's selection for best overall insurance company in Sterling Heights is The Hartford due to its balance of excellent customer service and affordable prices.
bestauto insuranceSterling HeightsThe Cheapest and Best Car Insurance in Sterling Heights
The Cheapest Car Insurance Companies in Sterling Heights
The cheapest full coverage car insurance in Sterling Heights is offered by:
- GEICO: $1,455 per year
- Nationwide: $1,890 per year
USAA offers the lowest annual auto insurance premiums on average in Sterling Heights at $1,004 per year, but it is only available to military members and their families.
The most expensive full coverage insurance in Sterling Heights is $5,950 per year through Hanover. That’s about 309% more than GEICO for the same coverage.
The rates offered by all providers are for full coverage car insurance which typically includes comprehensive and collision coverage. Your premium may change based on your liability limits and your driving history.
Cheapest Car Insurance in Sterling Heights
Full Coverage 100/300/100
- Company100/300/100per year
- 1.$1,004
- 2.$1,455
- 3.$1,890
- 4.$1,927
- 5.$2,012
MoneyGeek's study was conducted using car insurance quotes for a 40-year-old male driver in Sterling Heights for full coverage, as detailed in our methodology.
Auto insurance policies with comprehensive and collision coverage are more expensive than those with minimal coverage. That’s because a full coverage policy provides you with extra protection and helps cover the repair costs of your car.
- Collision Insurance: Damage to your vehicle is covered if you are in an accident with another car or hit a stationary object, such as a wall or pillar.
- Comprehensive Insurance: This insurance covers damage to your car that doesn't result from an accident, such as vandalism or a weather event.
Drivers with older vehicles may find that the premiums for comprehensive car insurance add up to more than the replacement value of their car. You may wish to consider state minimum or liability-only insurance in that case.
Compare Car Insurance Rates in Sterling Heights
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
Cheapest Car Insurance in Sterling Heights for Minimum Coverage
The cheapest vehicle insurance is state minimum or liability-only insurance. The cheapest car insurance in Sterling Heights for minimum coverage is:
- Nationwide: $674 per year
- GEICO: $986 per year
USAA has the best price for minimum coverage in the city; however, it's exclusive to military members only. The average premium quoted by Nationwide is $3,527 less than the Hanover average, which at $4,201 is the most costly in Sterling Heights.
When you choose the cheapest insurance option, you risk being underinsured due to lower coverage limits and exclusions such as collision and comprehensive insurance. See the table below to discover how rates vary when you increase liability limits.
Cheapest Minimum Liability Car Insurance in Sterling Heights
State Minimum
- CompanyState Minimumper year
- 1.$639
- 2.$674
- 3.$986
- 4.$1,196
- 5.$1,325
Car insurance laws in Michigan require drivers to have a minimum insurance of 20/40/10. While it’s extremely affordable compared to full coverage, it also offers the least protection. In the event of an accident, you may be responsible for paying the difference between the costs incurred and the policy limits.
For example, if you caused an accident and the other driver is billed $40,000 in medical expenses, state minimum insurance covers up to $20,000 of that amount. You’ll have to pay the balance yourself.
Michigan Minimum Liability Requirements
- ItemDescription
- 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.
Cheapest Car Insurance in Sterling Heights if You Have Driving Violations
Your driving record has an effect on the prices you pay for auto insurance. Expect your premium to go up if you get speeding tickets, have at-fault accidents or are charged with DUIs.
The cheapest car insurance in Sterling Heights for drivers with violations are:
- Cheapest after a ticket: Nationwide, $2,010 per year
- Cheapest after an at-fault accident: Nationwide, $2,457 per year
- Cheapest after a DUI: Nationwide, $2,331 per year
The cheapest provider in the city is USAA, but only if you're current or retired military personnel or a family member.
If you have a history of traffic violations, the best way to lower your premium is to improve your record over time. Meanwhile, try shopping around for quotes to see which car insurance companies in Sterling Heights provide the best cheap insurance for drivers with bad records.
Cheapest Car Insurance in Sterling Heights With a Violation
Speeding Ticket
- CompanySpeeding Ticketper year
- 1.$1,232
- 2.$2,010
- 3.$2,290
- 4.$2,514
- 5.$2,796
Average Cost of Car Insurance in Sterling Heights
Sterling Heights$2,956
Michigan$5,471
U.S.$1,424
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.
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.
Compare Car Insurance Rates in Sterling Heights
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
The Best Car Insurance Companies in Sterling Heights
MoneyGeek considered factors such as user claims ratings, average rates and customer satisfaction scores when determining the best car insurance providers in Sterling Heights. The following are the top car insurance companies in Sterling Heights:
- Nationwide: MoneyGeek score of 88 out of 100
- Auto-Owners Insurance Co: MoneyGeek score of 85 out of 100
It is worth noting that although USAA achieved a perfect score from MoneyGeek, it was not included on this list. This is because USAA restricts its services to military personnel and their families only.
1
Nationwide
Score:88
While securing excellent claims, affordability, user satisfaction and financial stability scores, Nationwide emerged as the best car insurance company in Sterling Heights. The insurance company offers Identity Theft and costs around $1,890 annually.
More About Nationwide
Identity theft and the total loss deductible waiver are two add-on coverages that are not commonly offered by insurers. However, Nationwide does provide them for drivers in Sterling Heights. The identity theft coverage will pay up to $25,000 in covered expenditures if you or a member of your family is a victim of fraud or identity theft.
Plus, in the event that your vehicle is deemed a total loss as a result of an accident, the total loss deductible waiver will cover the deductible.
Read MoneyGeek's Nationwide auto Insurance Review2
Auto-Owners Insurance Co
Score:85
3
GEICO
Score:85
4
MetLife
Score:76
5
Progressive
Score:74
6
State Farm
Score:71
7
Travelers
Score:67
8
Esurance
Score:64
9
Mercury
Score:62
10
Allstate
Score:61
11
AAA
Score:44
12
Farmers
Score:37
13
Hanover
Score:0
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
- 48313$2,737
- 48310$3,174
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.
About Mark Fitzpatrick
sources
- Kaiser Family Foundation. "2019 Employer Health Benefits Survey." Accessed January 16, 2020.