Compare the Cheapest Car Insurance Quotes in Sterling Heights, MI

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 Auto Insurance Rates

Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

widget-location-pin
Last Updated: 5/16/2022
Advertising & Editorial Disclosure
By     |  

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.

iconribbonbestauto insuranceSterling Heights2022

The 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
  • Company
    100/300/100per year
  • 1.
    USAA
    $1,004
  • 2.
    GEICO
    $1,455
  • 3.
    Nationwide
    $1,890
  • 4.
    MetLife
    $1,927
  • 5.
    Auto-Owners Insurance Co
    $2,012
  • 6.
    Progressive
    $2,053
  • 7.
    Travelers
    $2,170
  • 8.
    Allstate
    $2,863
  • 9.
    Esurance
    $2,988
  • 10.
    AAA
    $3,015
  • 11.
    State Farm
    $3,045
  • 12.
    Mercury
    $3,331
  • 13.
    Farmers
    $5,728
  • 14.
    Hanover
    $5,950

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.

widget-location-pin
Insurance Rates

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

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

  • Item
    Description
  • Bodily Injury
    $20,000 per person and $40,000 per accident. A more protective level is 100/300/100.
  • Personal Injury Protection
    Unlimited 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

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.

widget-location-pin
Insurance Rates

The Best Car Insurance Companies in Sterling Heights

MoneyGeek examined the auto insurance providers in Sterling Heights to help you choose a provider that balances affordability and quality customer service. Based on our proprietary ranking methodology, the following companies achieved the same score and are considered the best overall:

  • The Hartford: 87.5 out of 100
  • Auto-Owners Insurance: 87.5 out of 100

While USAA scored 100 out of 100, MoneyGeek could not include it in our best overall list because it only serves current and retired military personnel and their families.

Several metrics, such as J.D. Power's consumer satisfaction, affordability, and insurer financial stability research, were used to determine the ratings.


1
USAA
Score:100

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
Hartford
Score:87.5

3/5

Affordability

4/5

Claims Ratings

4/5

User Satisfaction

A+

Financial Stability

3
Auto-Owners Insurance Co
Score:87.5

3/5

Affordability

4/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

4
GEICO
Score:87.5

5/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

5
Cincinnati Insurance Companies
Score:87.5

3/5

Affordability

5/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

6
Country Financial
Score:85

3/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A+

Financial Stability

7
State Farm
Score:85

4/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

8
Farm Bureau Ins of MI
Score:82.5

3/5

Affordability

4/5

Claims Ratings

4/5

User Satisfaction

A-

Financial Stability

9
Nationwide
Score:82.5

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

10
Esurance
Score:82.5

4/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

11
Grange
Score:80

4/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

12
Progressive
Score:80

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

13
Allstate
Score:80

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

14
American Family
Score:80

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

15
Travelers
Score:80

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A++

Financial Stability

16
MetLife
Score:80

2/5

Affordability

4/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

17
Farmers
Score:77.5

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

18
Hanover
Score:75

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

19
Liberty Mutual
Score:75

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

20
AAA
Score:75

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

21
Safeco
Score:72.5

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

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 Code
    State 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.

accident2 icon
Most Accidents With Fatalities292nd/300
handcuffs2 icon
Most Car Thefts121st/300
uninsured icon
Most Uninsured Motorists by State4th/50
insurance2 icon
Personal Injury Protection RequiredYes
rain icon
Most Annual Rainfall176th/300
umbrella icon
Most Rainy Days24th/300

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


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.


sources