Travelers offers the lowest car insurance rates in Sterling Heights, with annual premiums of $384 for minimum coverage and $1,223 for full coverage. Other affordable insurers in the city include AAA, GEICO and Auto-Owners.
Car Insurance in Sterling Heights
Updated: August 15, 2025
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Key Takeaways
Sterling Heights' cheapest car insurance companies are Travelers, GEICO and AAA, with savings up to 54% compared to the city average.
In Sterling Heights, monthly car insurance costs average $184 for full coverage and $96 for minimum coverage.
You'll find the best cheap auto insurance in Sterling Heights by comparing quotes from multiple sources and choosing the right level of coverage for your needs.
Who Has the Cheapest Car Insurance in Sterling Heights?
| Travelers | $32 | $102 | -54% |
| GEICO | $63 | $100 | -44% |
| AAA | $52 | $122 | -40% |
| Auto-Owners | $77 | $145 | -24% |
| Progressive | $94 | $146 | -18% |
Compare the Cheapest Sterling Heights Car Insurance for You
Car insurance rates change based on your driving history, age and other personal details. Check the table below to find the cheapest insurance company for your specific profile.
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Good
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Pioneer State Mutual Insurance | $206 | $2,469 | -22% |
| Progressive | $233 | $2,791 | -12% |
| Travelers | $257 | $3,089 | -2% |
| AAA | $166 | $1,995 | -37% |
| Auto-Owners | $167 | $1,999 | -37% |
Cheapest Car Insurance by Age Group in Sterling Heights
Car insurance prices vary significantly by age group in Sterling Heights. Here's who offers the lowest rates for each age category:
- Cheapest car insurance for young drivers (16 to 25): AAA from $84 per month
- Cheapest car insurance for adults (26 to 64): Travelers from $32 per month
- Cheapest car insurance for seniors (65+): Travelers from $60 per month
Adult drivers in Sterling Heights enjoy the most affordable rates through Travelers. Young drivers face higher premiums but can find the best deals through AAA, while seniors get their lowest rates with Travelers.
Cheapest Car Insurance for Young Drivers in Sterling Heights
AAA and GEICO provide the most affordable car insurance for young drivers in Sterling Heights, with monthly rates starting at $84 and $104 respectively.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| AAA | $84 | $1,004 | -57% |
| Auto-Owners | $95 | $1,135 | -51% |
| Geico | $104 | $1,253 | -46% |
| Allstate | $136 | $1,637 | -30% |
| Travelers | $141 | $1,695 | -27% |
Cheapest Car Insurance for Adult Drivers in Sterling Heights
In Sterling Heights, Travelers provides the lowest rates for adult drivers (26 to 64), saving motorists 69% on average with monthly premiums of $32. AAA and GEICO also rank among the most affordable providers for this age group.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| Travelers | $32 | $384 | -69% |
| AAA | $52 | $630 | -48% |
| Geico | $63 | $762 | -38% |
| Auto-Owners | $77 | $929 | -24% |
| Allstate | $81 | $973 | -20% |
Cheapest Car Insurance for Senior Drivers in Sterling Heights
For seniors in Sterling Heights, Travelers offers the lowest minimum coverage rate at $60 per month ($721 annually), while AAA provides the most affordable full coverage at $142 monthly ($1,702 per year).
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| Travelers | $60 | $721 | -53% |
| AAA | $76 | $914 | -41% |
| Allstate | $93 | $1,115 | -28% |
| Auto-Owners | $102 | $1,220 | -21% |
| Progressive | $109 | $1,311 | -15% |
Cheapest Car Insurance for High-Risk Drivers in Sterling Heights
If you're a high-risk driver in Sterling Heights, these insurance companies offer the lowest rates based on your situation:
- Cheapest for Bad Credit: GEICO (from $108 per month)
- Cheapest With a DUI: Progressive (from $118 per month)
- Cheapest With an Accident: AAA (from $71 per month)
- Cheapest With a Speeding Ticket: Travelers (from $58 per month)
Cheapest Car Insurance for Bad Credit in Sterling Heights
In Sterling Heights, drivers with bad credit can find the cheapest monthly premium of $108 for minimum coverage from GEICO. For full coverage, Travelers offers the lowest rate at $213 per month.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Driving Record:Clean
| Geico | $108 | $1,301 | -44% |
| Travelers | $114 | $1,368 | -41% |
| Auto-Owners | $137 | $1,640 | -29% |
| Farm Bureau | $137 | $1,649 | -29% |
| Allstate | $170 | $2,034 | -12% |
Cheapest Car Insurance With a DUI in Sterling Heights
Progressive offers the most affordable car insurance rates in Sterling Heights for drivers with a DUI. You can save up to 67% on full coverage and 61% on minimum coverage compared to city averages.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| Progressive | $118 | $1,413 | -61% |
| AAA | $131 | $1,571 | -57% |
| Farmers | $170 | $2,045 | -44% |
| Travelers | $177 | $2,123 | -42% |
| Auto-Owners | $182 | $2,178 | -40% |
Cheapest Car Insurance With an Accident in Sterling Heights
Drivers in Sterling Heights with an accident record can find the lowest rates with AAA, starting at $71 per month, 49% less than the city's average premium.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| AAA | $71 | $853 | -49% |
| Travelers | $86 | $1,031 | -38% |
| Auto-Owners | $87 | $1,045 | -37% |
| Allstate | $119 | $1,423 | -15% |
| Pioneer State Mutual Insurance | $133 | $1,598 | -4% |
Cheapest Car Insurance With a Speeding Ticket in Sterling Heights
For Sterling Heights drivers with speeding tickets, Travelers offers the most affordable minimum coverage at $58 per month, while AAA provides the cheapest full coverage at $174 monthly.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| Travelers | $58 | $699 | -59% |
| AAA | $75 | $900 | -47% |
| Auto-Owners | $98 | $1,181 | -31% |
| Allstate | $100 | $1,194 | -30% |
| Progressive | $123 | $1,478 | -14% |
Best Car Insurance Companies in Sterling Heights
Sterling Heights drivers can find excellent coverage through Travelers, Auto-Owners, Progressive and AAA. These insurers stand out for offering competitive rates, quality customer service and comprehensive coverage options.
| Travelers | 96 | 1 | 2 | 5 |
| Auto-Owners | 92 | 4 | 1 | 6 |
| Progressive | 87 | 5 | 3 | 2 |
| AAA | 87 | 3 | 6 | 7 |
| GEICO | 87 | 2 | 8 | 7 |
Travelers: Best Cheap Overall
pros
Lowest rates in Sterling Heights
Great customer service reputation
Large add-on coverage selection
cons
Not as affordable for those with driving violations
COMPANY HIGHLIGHTS
Travelers is the most affordable provider overall for most drivers and has the best overall customer experience in Sterling Heights, MI. They also have one of the largest coverage selections in our study, making it an ideal option for those needing addition coverage. Though their only weakness is their affordability for those with driving violations, so you will likely find better rates elsewhere if you do.
Auto-Owners: Best Customer Service
pros
Top-rated customer experience
Fast claims processing
Strong local agent network
cons
Higher than average rates
Limited online tools
COMPANY HIGHLIGHTS
Auto-Owners earns its high ranking through superior customer service, claiming the top spot for customer experience in Sterling Heights. Local agents provide personalized attention and quick claims resolution, making the company ideal for drivers who value relationship-based service. While rates run higher than the city average, the company's strong service reputation and efficient claims handling justify the premium pricing.
How Much Is Car Insurance in Sterling Heights?
In Sterling Heights, minimum coverage costs about $96 per month or $1,146 per year, ranking 850th out of all Michigan cities for affordability. Full coverage averages $184 monthly or $2,206 annually, ranking 844th among Michigan cities.
| Full Coverage | $184 | $2,206 |
| Minimum Coverage | $96 | $1,146 |
Compare Personalized Sterling Heights Car Insurance Costs
Since your exact profile may differ from basic averages, this table shows Sterling Heights car insurance rates filtered by age, driving record and other personal factors combined.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Good
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| $296 | $3,551 | 44% |
Sterling Heights Car Insurance Costs by ZIP Code
In Sterling Heights, car insurance rates by ZIP code range from $77 to $204 per month. ZIP code 48312 is the most expensive, while 48314 is the cheapest. Check the average rates for your ZIP code below.
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ZIP Code:48312
| 48312 | $113 | $204 |
How to Get the Best Cheap Sterling Heights Car Insurance
Sterling Heights drivers face some of Michigan's highest car insurance rates, but you can still find affordable coverage. This step-by-step guide shows you how to compare insurers and unlock discounts to lower your premium costs.
- 1
Know your coverage requirements
Start by understanding how much coverage you need. Use our car insurance coverage needs calculator to determine the right amount based on your car's value and personal circumstances. Consider your budget and risk factors in Sterling Heights when making this decision.
- 2
Explore different insurance types
Review various types of car insurance to find the best fit. If you drive infrequently, consider pay-per-mile coverage. Don't own a car? Look into non-owner insurance options that could save you money.
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Check local insurance costs
Research average vehicle insurance costs in Sterling Heights to set realistic expectations. Understanding typical rates for your area helps you recognize good deals and avoid overpaying for coverage.
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Find available discounts
Look for car insurance discount opportunities. Consider bundling multiple policies or getting multi-car discounts if you have multiple vehicles. Many insurers offer safe driver and good student discounts too.
- 5
Research company reliability
Check customer reviews and financial strength ratings for insurance companies serving Sterling Heights. Focus on insurers with strong claims handling records and positive customer feedback in Michigan.
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Get multiple quotes
Contact at least three different insurance providers for quotes. Use a mix of local agents, online tools and direct carrier websites to ensure you're getting the most competitive rates available in Sterling Heights.
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Review coverage annually
Set a yearly reminder to review your policy and shop for better rates. Life changes like improving credit scores, moving or buying a new car can affect your premiums, so regular reviews help you keep the best rates.
Cheapest Car Insurance in Sterling Heights: Bottom Line
Car insurance rates in Sterling Heights depend on your driving record, vehicle and credit score. While Travelers and GEICO offer the lowest average premiums in the area, compare quotes from multiple providers to find your best rate.
Cheap Sterling Heights Car Insurance: FAQ
We've researched Sterling Heights car insurance rates and coverage options to bring you clear answers about finding affordable policies. Our FAQ section helps you understand your choices and save money on the protection you need.
What is the cheapest car insurance company in Sterling Heights, Michigan?
Travelers offers the lowest minimum coverage rate at $384 annually in Sterling Heights, while GEICO has the lowest full coverage at $1,201. Rates vary by personal factors, so compare quotes.
Who offers the best car insurance in Sterling Heights?
Travelers leads Sterling Heights insurance providers with a MoneyGeek score of 96 out of 100, scoring four points higher than Auto-Owners. Travelers excels in both affordability and customer service quality.
What is the average cost of car insurance in Sterling Heights?
Sterling Heights drivers pay $2,206 for full coverage and $1,146 for minimum coverage car insurance annually. Your actual rates will vary based on individual factors.
Is car insurance in Sterling Heights expensive?
Sterling Heights has expensive car insurance, ranking 850th for minimum coverage affordability and 844th for full coverage compared to all other Michigan cities.
How We Chose the Best and Cheapest Car Insurance in Sterling Heights, MI
To help Sterling Heights drivers find the most affordable auto insurance companies, MoneyGeek analyzed Sterling Heights auto insurance rates based on data and information from the Department of Insurance and Financial Services and Quadrant Information Services. We studied all ZIP codes in Sterling Heights and hundreds of thousands of quotes for 12 companies offering auto insurance in Michigan to tailor options as closely as possible to you.
Sterling Heights Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages in Sterling Heights with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
Certain factors, such as age, driving record, credit score and military affiliation, were adjusted to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in Sterling Heights
MoneyGeek compared the most affordable insurance providers for both minimum and full coverage auto insurance policies.
The minimum coverage requirements in Michigan are:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
For a full coverage policy, we used the following coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
- Comprehensive and collision insurance, each with a $1,000 deductible
Our Best Company Rating Methodology
We rated all companies in Sterling Heights based on the following rating scale:
- Affordability (60% of score): We evaluated quotes for various common driver profiles and compared rates to competition within the city to get this score.
- Customer Experience (30% of Score): Sources like agency reviews on Google, J.D. Power, AM Best and forums like Reddit were used to gauge customer sentiment and experiences across the board to get this score.
- Coverage Options (10% of Score): This score takes into account the amount of coverage options a provider has in addition to the uniqueness of offering and included benefits.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.