Cheapest and Best Car Insurance Companies in Sterling Heights, MI


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Updated: May 20, 2024

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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.

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2024

Cheapest and Best Car Insurance in Sterling Heights, MI

Why Trust MoneyGeek? MoneyGeek consulted data from Quadrant Information Services and the Michigan Department of Insurance and Financial Services to analyze auto insurance rates in Sterling Heights.

50,284Quotes Analyzed
 
14Companies Compared

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
TravelersAnnual Premium$121Monthly Premium$10
ChubbAnnual Premium$430Monthly Premium$36
Pioneer State Mutual Ins CoAnnual Premium$653Monthly Premium$54
GEICOAnnual Premium$783Monthly Premium$65
Auto-Owners Insurance CoAnnual Premium$824Monthly Premium$69
EncompassAnnual Premium$824Monthly Premium$69
ProgressiveAnnual Premium$869Monthly Premium$72
WestfieldAnnual Premium$922Monthly Premium$77

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
ChubbAnnual Premium$1,062Monthly Premium$89
TravelersAnnual Premium$1,119Monthly Premium$93
GEICOAnnual Premium$1,144Monthly Premium$95
Pioneer State Mutual Ins CoAnnual Premium$1,170Monthly Premium$98
ProgressiveAnnual Premium$1,295Monthly Premium$108
Auto-Owners Insurance CoAnnual Premium$1,645Monthly Premium$137
EncompassAnnual Premium$1,649Monthly Premium$137
WestfieldAnnual Premium$2,045Monthly Premium$170

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
ChubbAnnual Premium$1,062Monthly Premium$89
ProgressiveAnnual Premium$1,638Monthly Premium$137
Pioneer State Mutual Ins CoAnnual Premium$1,799Monthly Premium$150
EncompassAnnual Premium$1,870Monthly Premium$156
TravelersAnnual Premium$2,114Monthly Premium$176
Auto-Owners Insurance CoAnnual Premium$2,209Monthly Premium$184
WestfieldAnnual Premium$2,398Monthly Premium$200
GEICOAnnual Premium$2,548Monthly Premium$212

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.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
GEICOFamily Plan Annual Premium$2,975Individual Plan Monthly Premium$14,508
EncompassFamily Plan Annual Premium$3,705Individual Plan Monthly Premium$11,289
ProgressiveFamily Plan Annual Premium$3,801Individual Plan Monthly Premium$16,025
Auto-Owners Insurance CoFamily Plan Annual Premium$4,284Individual Plan Monthly Premium$7,510
TravelersFamily Plan Annual Premium$7,467Individual Plan Monthly Premium$17,857
FarmersFamily Plan Annual Premium$10,734Individual Plan Monthly Premium$87,479
State FarmFamily Plan Annual Premium$12,953Individual Plan Monthly Premium$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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
USAAAnnual Premium$755Monthly Premium$63
ChubbAnnual Premium$1,062Monthly Premium$89
TravelersAnnual Premium$1,119Monthly Premium$93
GEICOAnnual Premium$1,144Monthly Premium$95
Pioneer State Mutual Ins CoAnnual Premium$1,170Monthly Premium$98
ProgressiveAnnual Premium$1,295Monthly Premium$108
Auto-Owners Insurance CoAnnual Premium$1,645Monthly Premium$137
EncompassAnnual Premium$1,649Monthly Premium$137

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.

Car Insurance Calculator

MoneyGeeks's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.

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Rates updated:

Jul 12, 2024

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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

checkmark

Excellent affordability score and customer satisfaction rating

checkmark

Offers original equipment manufacturer coverage and rental car reimbursement coverage

cons

close

Lacks a wide coverage selection

close

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

checkmark

Outstanding customer satisfaction and claims processing

checkmark

Offers diminished value coverage and OEM coverage

cons

close

Poor coverage rating

close

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

checkmark

Cheap policy at $430 per year

checkmark

Offers bundling, anti-theft and daytime running lights discounts

checkmark

Very affordable and offers great customer satisfaction

cons

close

No multiple car or safe driving discounts

close

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 has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick 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 knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.