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The cheapest provider can vary widely depending on a driver's specific circumstances and preferences. For instance, the most affordable auto insurer in Sterling Heights is Travelers. However, Chubb is the least expensive for policyholders seeking full coverage or those with bad driving records. GEICO offers the cheapest policies for teens and USAA for military-affiliated drivers. The overall best auto insurer is Chubb. It also provides the best customer service.

MoneyGeek Logo IconCheapest + BestCar InsuranceSH, Michigan
2023

Cheapest and Best Car Insurance in Sterling Heights, MI

Cheapest Minimum Liability Car Insurance in Sterling Heights

The following companies in Sterling Heights, Michigan, offer the lowest auto insurance rates for minimum coverage policies.

  • Travelers: $121 per year
  • Chubb:: $430 per year

Travelers also offers the cheapest car insurance in Michigan, with average state rates of $101 per year, slightly lower than in Sterling Heights as of October 2022. Hanover's minimum coverage insurance is the most expensive, costing $3,774 a year.

Company
Annual Premium
Monthly Premium

Travelers

$113

$9

Travelers

$121

$10

Travelers

$134

$11

Chubb

$353

$29

Chubb

$430

$36

Chubb

$473

$39

Pioneer State Mutual Ins Co

$653

$54

Pioneer State Mutual Ins Co

$684

$57

Pioneer State Mutual Ins Co

$711

$59

Encompass

$725

$60

GEICO

$783

$65

GEICO

$783

$65

GEICO

$796

$66

Encompass

$824

$69

Auto-Owners Insurance Co

$824

$69

Encompass

$824

$69

Progressive

$858

$72

Progressive

$869

$72

Auto-Owners Insurance Co

$873

$73

Progressive

$874

$73

Chubb

$879

$73

Westfield

$922

$77

Westfield

$1,000

$83

Travelers

$1,010

$84

Auto-Owners Insurance Co

$1,017

$85

Chubb

$1,062

$89

Westfield

$1,107

$92

Pioneer State Mutual Ins Co

$1,110

$93

Travelers

$1,119

$93

GEICO

$1,144

$95

GEICO

$1,149

$96

GEICO

$1,149

$96

Pioneer State Mutual Ins Co

$1,170

$98

Chubb

$1,183

$99

Farm Bureau Ins of MI

$1,198

$100

Grange Insurance

$1,212

$101

Grange Insurance

$1,232

$103

Progressive

$1,243

$104

Travelers

$1,254

$105

Farm Bureau Ins of MI

$1,257

$105

Progressive

$1,295

$108

Pioneer State Mutual Ins Co

$1,388

$116

Encompass

$1,408

$117

Progressive

$1,456

$121

Grange Insurance

$1,494

$125

Farm Bureau Ins of MI

$1,545

$129

Auto-Owners Insurance Co

$1,645

$137

Encompass

$1,649

$137

Encompass

$1,649

$137

State Farm

$1,674

$140

Auto-Owners Insurance Co

$1,698

$141

Auto-Owners Insurance Co

$1,775

$148

State Farm

$1,827

$152

Westfield

$1,963

$164

Farm Bureau Ins of MI

$1,980

$165

Westfield

$2,045

$170

State Farm

$2,077

$173

Farmers

$2,087

$174

Grange Insurance

$2,134

$178

Farm Bureau Ins of MI

$2,138

$178

Farmers

$2,223

$185

Grange Insurance

$2,270

$189

State Farm

$2,275

$190

Grange Insurance

$2,420

$202

Farmers

$2,432

$203

State Farm

$2,488

$207

Westfield

$2,522

$210

Farm Bureau Ins of MI

$2,632

$219

State Farm

$2,864

$239

Farmers

$2,890

$241

Farmers

$3,149

$262

Farmers

$3,496

$291

Hanover

$3,566

$297

Hanover

$3,774

$315

Hanover

$4,071

$339

Hanover

$5,172

$431

Hanover

$5,658

$471

Hanover

$6,484

$540

Michigan state law requires that minimum coverage car insurance policies cover bodily injury, property damage and personal injury up to the following limits.

  • $50,000 bodily injury liability per person
  • $100,000 bodily injury liability per accident
  • $10,000 property damage liability per accident outside Michigan
  • $1 million property protection within Michigan
  • $250,000 personal injury protection

These parameters mean that your limit for bodily injury in the case of a covered accident is $50,000 per individual, up to a total of $100,000 per incident. Additionally, the policy offers $10,000 in coverage for harm to the property of others.

Your insurance company will also pay up to $1 million for any damage your vehicle causes to buildings, fences and other private property in Michigan. Meanwhile, a portion of lost wages, medical expenses and costs for necessary services paid as a result of an accident are also covered by your car insurance provider, up to a maximum of $250,000, for qualifying injured parties like pedestrians and passengers.

Cheapest Full Coverage Car Insurance in Sterling Heights

The following companies offer the most affordable full coverage car insurance plans in Sterling Heights.

  • Chubb: $1,062 per year
  • Travelers: $1,119 per year

At $5,658 a year, Hanover has the city’s most expensive full coverage policies. Additionally, GEICO provides the cheapest full coverage auto insurance in Michigan at $898 per year, a lower rate than the cheapest option in Sterling Heights as of October 2022. This price difference illustrates the impact location has on auto insurance rates.

Company
Annual Premium
Monthly Premium

Travelers

$113

$9

Travelers

$121

$10

Travelers

$134

$11

Chubb

$353

$29

Chubb

$430

$36

Chubb

$473

$39

Pioneer State Mutual Ins Co

$653

$54

Pioneer State Mutual Ins Co

$684

$57

Pioneer State Mutual Ins Co

$711

$59

Encompass

$725

$60

GEICO

$783

$65

GEICO

$783

$65

GEICO

$796

$66

Encompass

$824

$69

Auto-Owners Insurance Co

$824

$69

Encompass

$824

$69

Progressive

$858

$72

Progressive

$869

$72

Auto-Owners Insurance Co

$873

$73

Progressive

$874

$73

Chubb

$879

$73

Westfield

$922

$77

Westfield

$1,000

$83

Travelers

$1,010

$84

Auto-Owners Insurance Co

$1,017

$85

Chubb

$1,062

$89

Westfield

$1,107

$92

Pioneer State Mutual Ins Co

$1,110

$93

Travelers

$1,119

$93

GEICO

$1,144

$95

GEICO

$1,149

$96

GEICO

$1,149

$96

Pioneer State Mutual Ins Co

$1,170

$98

Chubb

$1,183

$99

Farm Bureau Ins of MI

$1,198

$100

Grange Insurance

$1,212

$101

Grange Insurance

$1,232

$103

Progressive

$1,243

$104

Travelers

$1,254

$105

Farm Bureau Ins of MI

$1,257

$105

Progressive

$1,295

$108

Pioneer State Mutual Ins Co

$1,388

$116

Encompass

$1,408

$117

Progressive

$1,456

$121

Grange Insurance

$1,494

$125

Farm Bureau Ins of MI

$1,545

$129

Auto-Owners Insurance Co

$1,645

$137

Encompass

$1,649

$137

Encompass

$1,649

$137

State Farm

$1,674

$140

Auto-Owners Insurance Co

$1,698

$141

Auto-Owners Insurance Co

$1,775

$148

State Farm

$1,827

$152

Westfield

$1,963

$164

Farm Bureau Ins of MI

$1,980

$165

Westfield

$2,045

$170

State Farm

$2,077

$173

Farmers

$2,087

$174

Grange Insurance

$2,134

$178

Farm Bureau Ins of MI

$2,138

$178

Farmers

$2,223

$185

Grange Insurance

$2,270

$189

State Farm

$2,275

$190

Grange Insurance

$2,420

$202

Farmers

$2,432

$203

State Farm

$2,488

$207

Westfield

$2,522

$210

Farm Bureau Ins of MI

$2,632

$219

State Farm

$2,864

$239

Farmers

$2,890

$241

Farmers

$3,149

$262

Farmers

$3,496

$291

Hanover

$3,566

$297

Hanover

$3,774

$315

Hanover

$4,071

$339

Hanover

$5,172

$431

Hanover

$5,658

$471

Hanover

$6,484

$540

A full coverage policy includes comprehensive and collision insurance while increasing the limits of liability-only insurance.

  • Collision Insurance: Covers repair or replacement costs for damages sustained in an accident like a collision with another vehicle.
  • Comprehensive Insurance: Helps pay for damages to your car resulting from non-accident incidents, such as vandalism, theft or weather-related events.

Full coverage policies are usually recommended to safeguard your investment if you have a newer vehicle. If your car is older or low in value, paying for extra coverage may not be worth it, as it could add hundreds of dollars to your yearly premiums.

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Cheapest Car Insurance in Sterling Heights After a Driving Offense

The following Sterling Heights companies provide the most affordable prices for customers with traffic offenses:

  • Speeding ticket: Chubb ($1,062 per year)
  • At-fault accident: Chubb ($1,062 per year)
  • DUI: Chubb ($1,062 per year)

Hanover offers the most expensive policies to consumers with bad driving records, charging them $9,230 per year after an at-fault accident, $11,491 per year after a DUI and $8,304 per year after a speeding citation.

Drivers with violations pay higher rates than those with clean records, even for the cheapest options.

Company
Annual Premium
Monthly Premium

Travelers

$202

$17

Travelers

$218

$18

Travelers

$244

$20

Travelers

$293

$24

Travelers

$306

$26

Travelers

$333

$28

Chubb

$353

$29

Chubb

$353

$29

Chubb

$353

$29

Chubb

$430

$36

Chubb

$430

$36

Chubb

$430

$36

Chubb

$473

$39

Chubb

$473

$39

Chubb

$473

$39

Travelers

$589

$49

Travelers

$591

$49

Travelers

$618

$52

Pioneer State Mutual Ins Co

$794

$66

Encompass

$821

$68

Pioneer State Mutual Ins Co

$826

$69

Pioneer State Mutual Ins Co

$860

$72

Chubb

$879

$73

Chubb

$879

$73

Chubb

$879

$73

Encompass

$934

$78

Encompass

$934

$78

Progressive

$960

$80

Auto-Owners Insurance Co

$964

$80

Progressive

$973

$81

Progressive

$976

$81

Pioneer State Mutual Ins Co

$1,022

$85

Progressive

$1,039

$87

Progressive

$1,054

$88

Auto-Owners Insurance Co

$1,057

$88

Progressive

$1,058

$88

Pioneer State Mutual Ins Co

$1,060

$88

Chubb

$1,062

$89

Chubb

$1,062

$89

Chubb

$1,062

$89

Encompass

$1,068

$89

Pioneer State Mutual Ins Co

$1,107

$92

Westfield

$1,107

$92

Auto-Owners Insurance Co

$1,107

$92

Progressive

$1,155

$96

Progressive

$1,174

$98

Progressive

$1,178

$98

Chubb

$1,183

$99

Chubb

$1,183

$99

Chubb

$1,183

$99

Westfield

$1,200

$100

Auto-Owners Insurance Co

$1,215

$101

Encompass

$1,215

$101

Encompass

$1,215

$101

Auto-Owners Insurance Co

$1,220

$102

Westfield

$1,328

$111

Pioneer State Mutual Ins Co

$1,337

$111

Westfield

$1,356

$113

Farm Bureau Ins of MI

$1,389

$116

Auto-Owners Insurance Co

$1,402

$117

Pioneer State Mutual Ins Co

$1,408

$117

Pioneer State Mutual Ins Co

$1,412

$118

Progressive

$1,421

$118

Westfield

$1,433

$119

Farm Bureau Ins of MI

$1,460

$122

Pioneer State Mutual Ins Co

$1,471

$123

Progressive

$1,476

$123

Pioneer State Mutual Ins Co

$1,537

$128

Westfield

$1,539

$128

Progressive

$1,578

$132

Encompass

$1,595

$133

GEICO

$1,628

$136

Progressive

$1,636

$136

Progressive

$1,638

$137

Grange Insurance

$1,648

$137

Pioneer State Mutual Ins Co

$1,670

$139

GEICO

$1,675

$140

GEICO

$1,690

$141

Grange Insurance

$1,692

$141

Pioneer State Mutual Ins Co

$1,707

$142

Farm Bureau Ins of MI

$1,711

$143

Progressive

$1,726

$144

Progressive

$1,791

$149

Farm Bureau Ins of MI

$1,793

$149

Farm Bureau Ins of MI

$1,797

$150

Pioneer State Mutual Ins Co

$1,799

$150

Progressive

$1,806

$151

GEICO

$1,833

$153

Encompass

$1,870

$156

Encompass

$1,870

$156

Travelers

$1,906

$159

Auto-Owners Insurance Co

$1,937

$161

Progressive

$1,966

$164

GEICO

$1,977

$165

GEICO

$1,997

$166

Grange Insurance

$2,000

$167

State Farm

$2,023

$169

Auto-Owners Insurance Co

$2,027

$169

Encompass

$2,078

$173

Grange Insurance

$2,096

$175

Travelers

$2,114

$176

Pioneer State Mutual Ins Co

$2,115

$176

Auto-Owners Insurance Co

$2,127

$177

Grange Insurance

$2,140

$178

Auto-Owners Insurance Co

$2,166

$180

Auto-Owners Insurance Co

$2,209

$184

Farm Bureau Ins of MI

$2,209

$184

State Farm

$2,210

$184

Grange Insurance

$2,258

$188

Grange Insurance

$2,292

$191

Farm Bureau Ins of MI

$2,297

$191

Westfield

$2,310

$192

Auto-Owners Insurance Co

$2,316

$193

Pioneer State Mutual Ins Co

$2,341

$195

Travelers

$2,369

$197

Auto-Owners Insurance Co

$2,376

$198

Westfield

$2,398

$200

Auto-Owners Insurance Co

$2,425

$202

Encompass

$2,434

$203

Encompass

$2,434

$203

Pioneer State Mutual Ins Co

$2,447

$204

GEICO

$2,453

$204

Farm Bureau Ins of MI

$2,482

$207

State Farm

$2,517

$210

State Farm

$2,547

$212

GEICO

$2,548

$212

Travelers

$2,549

$212

GEICO

$2,576

$215

Grange Insurance

$2,610

$218

Auto-Owners Insurance Co

$2,741

$228

State Farm

$2,742

$229

Travelers

$2,761

$230

GEICO

$2,761

$230

Farm Bureau Ins of MI

$2,761

$230

Grange Insurance

$2,782

$232

State Farm

$2,786

$232

Westfield

$2,802

$234

Farmers

$2,812

$234

Grange Insurance

$2,838

$237

Farmers

$2,849

$237

Westfield

$2,880

$240

Pioneer State Mutual Ins Co

$2,896

$241

Farmers

$2,919

$243

Farmers

$2,937

$245

Westfield

$2,967

$247

Farm Bureau Ins of MI

$2,979

$248

Farmers

$2,981

$248

Westfield

$2,987

$249

State Farm

$2,998

$250

Farmers

$2,998

$250

GEICO

$3,005

$250

Travelers

$3,024

$252

GEICO

$3,044

$254

Farm Bureau Ins of MI

$3,055

$255

Farmers

$3,092

$258

Grange Insurance

$3,134

$261

Farmers

$3,160

$263

State Farm

$3,174

$265

Farmers

$3,178

$265

Grange Insurance

$3,198

$267

Westfield

$3,248

$271

Westfield

$3,344

$279

State Farm

$3,445

$287

Grange Insurance

$3,450

$288

State Farm

$3,458

$288

Farm Bureau Ins of MI

$3,562

$297

Grange Insurance

$3,612

$301

Farm Bureau Ins of MI

$3,668

$306

Farm Bureau Ins of MI

$3,741

$312

State Farm

$3,766

$314

Westfield

$3,904

$325

Grange Insurance

$3,934

$328

Farmers

$3,975

$331

Encompass

$4,077

$340

Farmers

$4,112

$343

Grange Insurance

$4,122

$344

Farmers

$4,166

$347

Auto-Owners Insurance Co

$4,198

$350

Farmers

$4,200

$350

Farmers

$4,251

$354

Farmers

$4,271

$356

State Farm

$4,346

$362

Grange Insurance

$4,408

$367

Auto-Owners Insurance Co

$4,442

$370

State Farm

$4,469

$372

Farmers

$4,497

$375

Farmers

$4,582

$382

Travelers

$4,593

$383

Farm Bureau Ins of MI

$4,599

$383

Auto-Owners Insurance Co

$4,613

$384

Farmers

$4,654

$388

Encompass

$4,655

$388

Encompass

$4,655

$388

Grange Insurance

$4,664

$389

Travelers

$4,796

$400

State Farm

$4,895

$408

GEICO

$5,048

$421

Travelers

$5,058

$422

GEICO

$5,074

$423

GEICO

$5,160

$430

Hanover

$5,499

$458

Farm Bureau Ins of MI

$5,578

$465

State Farm

$5,590

$466

Hanover

$5,593

$466

Hanover

$5,956

$496

Farm Bureau Ins of MI

$6,012

$501

State Farm

$6,019

$502

Hanover

$6,087

$507

Westfield

$6,155

$513

Hanover

$6,226

$519

Westfield

$6,252

$521

State Farm

$6,576

$548

Hanover

$6,680

$557

Westfield

$6,812

$568

Farm Bureau Ins of MI

$7,400

$617

Hanover

$7,411

$618

Encompass

$7,564

$630

Hanover

$7,577

$631

State Farm

$7,608

$634

GEICO

$7,809

$651

GEICO

$7,886

$657

Hanover

$7,909

$659

GEICO

$7,942

$662

Hanover

$8,077

$673

Hanover

$8,304

$692

Hanover

$8,764

$730

Encompass

$8,779

$732

Encompass

$8,779

$732

Hanover

$9,230

$769

Hanover

$9,371

$781

Hanover

$10,456

$871

Hanover

$10,906

$909

Hanover

$11,491

$958

Hanover

$12,961

$1,080

The gravity of the offense usually determines the amount your auto insurance premiums will increase. In some instances, the difference is substantial. For example, in Sterling Heights, drivers who get a speeding ticket pay $871 more for insurance, while those with DUIs see an increase of $3,269. Finding affordable car insurance is crucial for policyholders with poor driving records because auto insurers view them as high-risk customers.

Cheapest Car Insurance in Sterling Heights for Teens and Their Families

The following companies offer the least expensive family policies in Sterling Heights for teenagers when added to a family policy:

  • GEICO: $2,975 per year for male and female teens
  • Encompass: $3,705 per year for male and female teens

State Farm offers the most expensive teen family insurance plans in the city, charging $12,953 per year for either male or female teens.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

GEICO

$1,285

$4,911

GEICO

$1,444

$4,911

GEICO

$1,483

$5,667

GEICO

$1,488

$6,329

GEICO

$1,527

$5,834

GEICO

$1,666

$5,667

Travelers

$1,671

$3,153

Travelers

$1,671

$3,153

GEICO

$1,671

$6,329

GEICO

$1,715

$5,834

GEICO

$1,794

$6,765

GEICO

$1,794

$6,765

Encompass

$2,049

$4,533

Encompass

$2,049

$4,533

GEICO

$2,284

$10,047

GEICO

$2,284

$10,047

Encompass

$2,329

$5,777

Encompass

$2,329

$5,777

Encompass

$2,358

$5,596

Encompass

$2,358

$5,596

GEICO

$2,393

$9,025

GEICO

$2,393

$9,025

Encompass

$2,394

$5,296

Encompass

$2,394

$5,296

Progressive

$2,401

$2,442

Progressive

$2,401

$2,442

Encompass

$2,459

$5,441

Encompass

$2,459

$5,441

GEICO

$2,472

$11,118

GEICO

$2,472

$11,118

Progressive

$2,551

$3,596

Progressive

$2,551

$3,596

Progressive

$2,764

$2,812

Progressive

$2,764

$2,812

Travelers

$2,766

$5,908

Travelers

$2,766

$5,908

Progressive

$2,857

$3,335

Progressive

$2,857

$3,335

Progressive

$2,894

$4,465

Progressive

$2,894

$4,465

Auto-Owners Insurance Co

$2,930

$4,196

Auto-Owners Insurance Co

$2,930

$4,196

Progressive

$2,965

$4,178

Progressive

$2,965

$4,178

GEICO

$2,975

$14,508

GEICO

$2,975

$14,508

Progressive

$2,987

$3,039

Progressive

$2,987

$3,039

Travelers

$3,035

$5,908

Travelers

$3,035

$5,908

Auto-Owners Insurance Co

$3,104

$4,445

Auto-Owners Insurance Co

$3,104

$4,445

Travelers

$3,131

$5,908

Travelers

$3,131

$5,908

Travelers

$3,131

$5,908

Travelers

$3,131

$5,908

GEICO

$3,226

$14,508

GEICO

$3,226

$14,508

Encompass

$3,232

$9,828

Encompass

$3,232

$9,828

Auto-Owners Insurance Co

$3,243

$5,156

Auto-Owners Insurance Co

$3,243

$5,156

Progressive

$3,270

$11,853

Progressive

$3,270

$11,853

Auto-Owners Insurance Co

$3,337

$4,780

Auto-Owners Insurance Co

$3,337

$4,780

Encompass

$3,403

$8,441

Encompass

$3,403

$8,441

Auto-Owners Insurance Co

$3,406

$5,529

Auto-Owners Insurance Co

$3,406

$5,529

Encompass

$3,533

$10,273

Encompass

$3,533

$10,273

Auto-Owners Insurance Co

$3,645

$6,263

Auto-Owners Insurance Co

$3,645

$6,263

Auto-Owners Insurance Co

$3,669

$5,955

Auto-Owners Insurance Co

$3,669

$5,955

Encompass

$3,699

$10,755

Encompass

$3,699

$10,755

Encompass

$3,705

$11,289

Encompass

$3,705

$11,289

Progressive

$3,711

$13,454

Progressive

$3,711

$13,454

Progressive

$3,801

$16,025

Progressive

$3,801

$16,025

Auto-Owners Insurance Co

$4,007

$6,696

Auto-Owners Insurance Co

$4,007

$6,696

Auto-Owners Insurance Co

$4,284

$7,510

Auto-Owners Insurance Co

$4,284

$7,510

Auto-Owners Insurance Co

$4,350

$7,269

Auto-Owners Insurance Co

$4,350

$7,269

Travelers

$5,538

$13,216

Travelers

$5,538

$13,216

State Farm

$6,097

$10,264

State Farm

$6,097

$10,264

Travelers

$6,789

$13,216

Travelers

$6,789

$13,216

State Farm

$6,817

$11,476

State Farm

$6,817

$11,476

Travelers

$7,068

$16,464

Travelers

$7,068

$16,464

Farmers

$7,154

$10,748

Farmers

$7,154

$10,748

State Farm

$7,249

$14,352

State Farm

$7,249

$14,352

Travelers

$7,467

$17,857

Travelers

$7,467

$17,857

State Farm

$7,557

$12,723

State Farm

$7,557

$12,723

Farmers

$7,648

$14,612

Farmers

$7,648

$14,612

Travelers

$7,666

$17,857

Travelers

$7,666

$17,857

Farmers

$7,970

$44,338

Farmers

$7,970

$44,338

State Farm

$8,211

$15,921

State Farm

$8,211

$15,921

Farmers

$8,507

$47,323

Farmers

$8,507

$47,323

Farmers

$8,514

$13,950

Farmers

$8,514

$13,950

Farmers

$8,694

$13,061

Farmers

$8,694

$13,061

Farmers

$8,922

$13,404

Farmers

$8,922

$13,404

Farmers

$9,322

$20,256

Farmers

$9,322

$20,256

State Farm

$9,551

$18,521

State Farm

$9,551

$18,521

State Farm

$9,567

$21,211

State Farm

$9,567

$21,211

Farmers

$9,717

$18,566

Farmers

$9,717

$18,566

Farmers

$10,734

$87,479

Farmers

$10,734

$87,479

State Farm

$11,173

$24,472

State Farm

$11,173

$24,472

State Farm

$12,879

$28,208

State Farm

$12,879

$28,208

State Farm

$12,953

$32,430

State Farm

$12,953

$32,430

Insuring a teen is significantly cheaper through a family plan than through a separate policy. In Sterling Heights, for instance, there is a $3,897 price difference between buying a male teen his own car insurance and adding him to the family policy. Families should review the options for getting cheap auto insurance for teenagers to save thousands each year.

Cheapest Car Insurance in Sterling Heights for Military Drivers

MoneyGeek found the most affordable auto insurance companies for policyholders with military ties, such as active duty military, veterans and their families. They are:

  • USAA: $755 per year
  • Chubb: $1,062 per year

If you are searching for minimum coverage policies, the rankings change. Travelers is the cheapest at $121 per year, while USAA settles for second place at $329 per year.

Company
Annual Premium
Monthly Premium

Travelers

$113

$9

Travelers

$121

$10

Travelers

$134

$11

USAA

$329

$27

USAA

$329

$27

Chubb

$353

$29

USAA

$358

$30

Chubb

$430

$36

Chubb

$473

$39

Pioneer State Mutual Ins Co

$653

$54

Pioneer State Mutual Ins Co

$684

$57

Pioneer State Mutual Ins Co

$711

$59

Encompass

$725

$60

USAA

$732

$61

USAA

$755

$63

GEICO

$783

$65

GEICO

$783

$65

GEICO

$796

$66

Encompass

$824

$69

Encompass

$824

$69

Auto-Owners Insurance Co

$824

$69

Progressive

$858

$72

Progressive

$869

$72

Auto-Owners Insurance Co

$873

$73

Progressive

$874

$73

Chubb

$879

$73

USAA

$909

$76

Westfield

$922

$77

Westfield

$1,000

$83

Travelers

$1,010

$84

Auto-Owners Insurance Co

$1,017

$85

Chubb

$1,062

$89

Westfield

$1,107

$92

Pioneer State Mutual Ins Co

$1,110

$93

Travelers

$1,119

$93

GEICO

$1,144

$95

GEICO

$1,149

$96

GEICO

$1,149

$96

Pioneer State Mutual Ins Co

$1,170

$98

Chubb

$1,183

$99

Farm Bureau Ins of MI

$1,198

$100

Grange Insurance

$1,212

$101

Grange Insurance

$1,232

$103

Progressive

$1,243

$104

Travelers

$1,254

$105

Farm Bureau Ins of MI

$1,257

$105

Progressive

$1,295

$108

Pioneer State Mutual Ins Co

$1,388

$116

Encompass

$1,408

$117

Progressive

$1,456

$121

Grange Insurance

$1,494

$125

Farm Bureau Ins of MI

$1,545

$129

Auto-Owners Insurance Co

$1,645

$137

Encompass

$1,649

$137

Encompass

$1,649

$137

State Farm

$1,674

$140

Auto-Owners Insurance Co

$1,698

$141

Auto-Owners Insurance Co

$1,775

$148

State Farm

$1,827

$152

Westfield

$1,963

$164

Farm Bureau Ins of MI

$1,980

$165

Westfield

$2,045

$170

State Farm

$2,077

$173

Farmers

$2,087

$174

Grange Insurance

$2,134

$178

Farm Bureau Ins of MI

$2,138

$178

Farmers

$2,223

$185

Grange Insurance

$2,270

$189

State Farm

$2,275

$190

Grange Insurance

$2,420

$202

Farmers

$2,432

$203

State Farm

$2,488

$207

Westfield

$2,522

$210

Farm Bureau Ins of MI

$2,632

$219

State Farm

$2,864

$239

Farmers

$2,890

$241

Farmers

$3,149

$262

Farmers

$3,496

$291

Hanover

$3,566

$297

Hanover

$3,774

$315

Hanover

$4,071

$339

Hanover

$5,172

$431

Hanover

$5,658

$471

Hanover

$6,484

$540

How to Compare Cheap Sterling Heights Car Insurance Quotes Online

Finding the best deals in Sterling Heights requires comparing auto insurance quotes online. However, acquiring quotes takes about 15 minutes per company and requires you to disclose a good amount of personal information.

Use the auto insurance calculator on MoneyGeek to simplify that process. You can get quick and accurate online estimates by only providing your age, the amount of coverage, the kind of car you drive and your driving record.

Auto Insurance Calculator

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Best Car Insurance in Sterling Heights: Summary

The best car insurance for you will depend on how you weigh the importance of price, customer service and coverages. We've identified the top car insurers in Sterling Heights for different categories to help you get a clearer idea of the market.

  • Best overall: Chubb (MoneyGeek score 89 out of 100)
  • Best for service: Chubb (MoneyGeek score 76 out of 100)
  • Best cheap: Chubb (MoneyGeek score 86 out of 100)

Michigan's best auto insurance company is also Chubb. Additionally, USAA, with a MoneyGeek score of 85 out of 100, offers excellent auto insurance rates for those with military backgrounds.

Take note that a company’s score can vary depending on how we weigh factors for each category.

Best Overall Car Insurance in Sterling Heights

According to MoneyGeek’s analysis, the following are the best insurance providers in Sterling Heights:

  • Chubb: MoneyGeek score 89 out of 100 ($1,062 per year)
  • Farm Bureau Ins of MI: MoneyGeek score 79 out of 100 ($2,138 per year)

As indicated by its high affordability and customer satisfaction ratings, Chubb provides high-quality services at affordable rates. For service members and veterans searching for auto insurance in Sterling Heights, USAA is among the best choices. It boasts an impressive MoneyGeek score of 85 out of 100.

How was this MoneyGeek score calculated?

Chubb

pros

Excellent affordability score and customer satisfaction rating

Offers original equipment manufacturer coverage and rental car reimbursement coverage

cons

Lacks a wide coverage selection

Doesn’t offer gap insurance and accident forgiveness

COMPANY HIGHLIGHTS

Chubb provides a wide range of niche add-ons, including original equipment manufacturer (OEM) coverage, antique and classic vehicle insurance and diminished value protection.

In a covered accident, Chubb will always pay for the cost of brand-new, factory-direct OEM components to get your vehicle back to looking, feeling and performing as it did before the incident. In addition, you can negotiate your car's value when purchasing the policy, and Chubb will pay that amount if your vehicle is stolen or totaled.

Chubb's vintage car insurance typically covers vehicles that are at least 30 years old, of a restricted production model or part of a larger vehicle collection. The company's rental car reimbursement coverage will pay for a car identical to yours if your vehicle is undergoing repairs after a covered incident.

Best Car Insurance in Sterling Heights for Customer Service

The following auto insurance companies offer the best customer service, regardless of affordability:

  • Chubb: MoneyGeek score 76 out of 100 ($1,062 per year)
  • Farm Bureau Ins of MI: MoneyGeek score 73 out of 100 ($2,138 per year)

Chubb is renowned for providing excellent customer service and swift claims handling. Additionally, it's one of the most affordable insurers in the area.

How was this MoneyGeek score calculated?

Chubb

pros

Outstanding customer satisfaction and claims processing

Offers diminished value coverage and OEM coverage

cons

Poor coverage rating

No deductible modification or new car replacement coverage

COMPANY HIGHLIGHTS

Chubb provides coverages that can help you get back on the road more quickly by covering costs for repairs or arranging a rental car. Chubb claims adjusters will contact you within 24 hours after you file a claim. These staff members have the power to settle claims, but they are unable to reject one without a manager's consent.

If your car is totaled, Chubb will pay the Agreed Value minus the damaged vehicle's salvage worth. Also, in the event of an accident, the provider will cover the cost of moving your car to any repair facility of your choosing, using the transport of your choice.

If you experience a mechanical failure, the company's roadside assistance will pay for fuel delivery, flat tire repair, battery recharge services and more.

Best Cheap Car Insurance in Sterling Heights

MoneyGeek compared rates and customer satisfaction for plans that provide the minimum coverage required by Michigan law. The following are the best cost-effective choices for car insurance in Sterling Heights:

  • Chubb: MoneyGeek score 86 out of 100 ($430 per year)
  • Travelers: MoneyGeek score 80 out of 100 ($121 per year)

The cheapest plans have the lowest premiums but provide minimal liability protection and don’t cover damages to your vehicle.

How was this MoneyGeek score calculated?

Chubb

pros

Cheap policy at $430 per year

Offers bundling, anti-theft and daytime running lights discounts

Very affordable and offers great customer satisfaction

cons

No multiple car or safe driving discounts

Relatively low coverage rating

COMPANY HIGHLIGHTS

Although Chubb is already one of the most affordable providers in Sterling Heights, it does not skimp on providing additional saving opportunities through discounts.

If you combine your home and car insurance, you can lower your Chubb premium. Additionally, if your vehicle has security features, you get a discount. These include factory-installed anti-lock braking systems, alerts, passive/active disabling devices and other anti-theft systems. You can also get premium discounts by finishing a defensive driving course or accident prevention training.

Chubb provides unique discounts, such as the discount for honing devices, which allows you to save money on your auto insurance by installing a tracker on your vehicle. If your VIN is etched on a window or you have factory-installed daytime running lamps, you qualify for a discount.

Average Cost of Car Insurance in Sterling Heights

The average auto insurance premium in Sterling Heights, Michigan costs about $2,053 per year as of October 2022. The national average is $1,265, so Sterling Heights premiums are $788 more expensive. The city's yearly premium is $138 less than Michigan's $2,191 average auto insurance rate. Location is one of many factors that affect auto insurance costs.

Remember that these costs are for a full coverage policy that pays up to $100,000 in bodily injury liability per person/up to $300,000 per accident and property damage liability of up to $100,000.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.