Cheapest and Best Car Insurance Companies in Sterling Heights, MI

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.