Compare Sterling Heights, MI Car Insurance Rates (2021)

Car insurance in Sterling Heights, MI averages $1,110 a month. Sterling Heights, Michigan car insurance requirements are 20/40/10, but you might need full coverage insurance if your car is financed. To find cheap Sterling Heights car insurance rates, compare quotes from the top car insurance companies in Sterling Heights, MI.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Sterling Heights is USAA
  • Average car insurance rates in Sterling Heights, MI are $13,316/year
  • Average car insurance rates in Sterling Heights, MI after a DUI are $21,736/year

If you need to buy Sterling Heights, Michigan car insurance, the options can be confusing. Everything you need to know about car insurance in Sterling Heights, MI is right here.

You’ll find Sterling Heights car insurance rates, the cheapest Sterling Heights, MI car insurance companies, and information on Michigan car insurance laws. You can also compare Sterling Heights, Michigan car insurance rates to Warren car insurance rates, Lansing car insurance rates, and Grand Rapids car insurance rates.

Ready to find affordable Sterling Heights, MI car insurance today? Enter your ZIP code for fast, free Sterling Heights car insurance quotes.

Cheapest Sterling Heights, MI Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Sterling Heights, MI car insurance rates? Every Sterling Heights, Michigan car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Sterling Heights, Michigan

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $18,970 $18,970 $17,592 $17,592 $48,102 $48,102 $19,999 $19,999
Farmers $12,382 $12,382 $11,430 $11,430 $28,013 $28,013 $14,070 $14,070
GEICO $6,084 $6,084 $6,234 $6,234 $16,465 $16,465 $5,786 $5,786
Liberty Mutual $17,000 $17,000 $16,835 $16,835 $39,533 $39,533 $17,000 $17,000
Nationwide $5,084 $5,084 $4,518 $4,518 $13,636 $13,636 $5,589 $5,589
Progressive $4,210 $3,840 $3,703 $4,221 $15,560 $16,356 $4,900 $4,380
State Farm $10,130 $10,130 $9,464 $9,464 $36,603 $36,603 $11,929 $11,929
Travelers $7,220 $7,220 $6,197 $6,197 $21,849 $21,849 $7,847 $7,847
USAA $2,775 $2,612 $2,614 $2,456 $6,884 $6,509 $3,379 $3,220

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Minimum Car Insurance in Sterling Heights, MI

Every driver must carry the minimum car insurance in Sterling Heights, MI. Take a look at the Michigan car insurance requirements.

Minimum Required Car Insurance Coverage in Sterling Heights, Michigan

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $20,000 per person
$40,000 per accident
Property Damage Liability Coverage $10,000 minimum

Cheapest Sterling Heights, MI Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Sterling Heights, MI. Compare credit history car insurance rates in Sterling Heights from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Sterling Heights, Michigan

Insurance Company Poor Fair Good
Allstate $39,637 $21,986 $16,874
Farmers $24,335 $13,016 $12,070
GEICO $11,141 $8,163 $6,623
Liberty Mutual $35,761 $20,638 $11,377
Nationwide $9,058 $6,801 $5,760
Progressive $8,304 $6,943 $6,192
State Farm $27,693 $13,958 $9,444
Travelers $11,048 $10,711 $10,575
USAA $5,697 $3,252 $2,469

Cheapest Sterling Heights, MI Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Sterling Heights, MI to rates for a clean record with top companies.

Annual Sterling Heights, Michigan Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $12,533 $16,778 $57,623 $17,730
Farmers $13,683 $17,751 $17,429 $17,033
GEICO $2,980 $6,410 $19,606 $5,572
Liberty Mutual $15,417 $18,912 $36,042 $19,996
Nationwide $6,145 $8,268 $7,479 $6,933
Progressive $5,990 $8,008 $7,167 $7,420
State Farm $10,615 $12,847 $28,471 $16,195
Travelers $7,281 $10,416 $16,797 $8,619
USAA $3,055 $3,827 $5,011 $3,331

Cheapest Sterling Heights, MI Car Insurance for Teen Drivers

Teen car insurance in Sterling Heights, MI can be expensive. Take a look at rates from the top car insurance companies in Sterling Heights for teenagers.

Annual Car Insurance Rates for Teen Drivers in Sterling Heights, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $48,102 $48,102
Farmers $28,013 $28,013
GEICO $16,465 $16,465
Liberty Mutual $39,533 $39,533
Nationwide $13,636 $13,636
Progressive $15,560 $16,356
State Farm $36,603 $36,603
Travelers $21,849 $21,849
USAA $6,884 $6,509

Cheapest Sterling Heights, MI Car Insurance for Seniors

Take a look at Sterling Heights, MI senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Sterling Heights, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $17,592 $17,592
Farmers $11,430 $11,430
GEICO $6,234 $6,234
Liberty Mutual $16,835 $16,835
Nationwide $4,518 $4,518
Progressive $3,703 $4,221
State Farm $9,464 $9,464
Travelers $6,197 $6,197
USAA $2,614 $2,456

Cheapest Sterling Heights, MI Car Insurance Rates After a DUI

A DUI in Sterling Heights, MI increases car insurance rates. Compare Sterling Heights, Michigan DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Sterling Heights, Michigan

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $57,623
Farmers $17,429
GEICO $19,606
Liberty Mutual $36,042
Nationwide $7,479
Progressive $7,167
State Farm $28,471
Travelers $16,797
USAA $5,011

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Cheapest Sterling Heights, MI Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Sterling Heights, MI by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Sterling Heights, Michigan

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $26,166 $26,166
Farmers $16,474 $16,474
GEICO $8,445 $8,839
Liberty Mutual $21,826 $23,358
Nationwide $7,206 $7,206
Progressive $7,146 $7,146
State Farm $16,560 $17,503
Travelers $10,716 $10,840
USAA $3,763 $3,850

Cheapest Sterling Heights, MI Car Insurance Rates by ZIP Code

Sterling Heights car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Sterling Heights, MI.

Annual Car Insurance Rates by ZIP Code in Sterling Heights, Michigan

ZIP Code Average Annual Rates
48310 $10,127
48312 $9,650
48313 $9,244
48314 $8,739

The Best Cheap Car Insurance Companies in Sterling Heights, MI

Take a look at a side-by-side comparison of the top car insurance companies in Sterling Heights, MI to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Sterling Heights, Michigan

Insurance Company Average Annual Rates
Allstate $26,166
Farmers $16,474
GEICO $8,642
Liberty Mutual $22,592
Nationwide $7,206
Progressive $7,146
State Farm $17,032
Travelers $10,778
USAA $3,806

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Category Winners: Cheapest Car Insurance in Sterling Heights, Michigan

Find the cheapest car insurance companies in Sterling Heights, MI for each category right here.

Best Annual Car Insurance Rates by Company in Sterling Heights, Michigan

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record GEICO
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

Cheapest Sterling Heights, MI Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Sterling Heights car insurance rates. Find the cheapest Sterling Heights, MI car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Sterling Heights, Michigan

Insurance Company Low Medium High
Allstate $25,525 $26,223 $26,750
Farmers $15,997 $16,425 $17,000
GEICO $8,059 $8,556 $9,311
Liberty Mutual $22,138 $22,548 $23,090
Nationwide $7,537 $7,087 $6,996
Progressive $6,935 $7,153 $7,351
State Farm $16,103 $17,146 $17,845
Travelers $10,660 $10,792 $10,882
USAA $3,678 $3,817 $3,923

What affects car insurance rates in Sterling Heights, Michigan?

What factors can have an impact on Sterling Heights, MI car insurance? There are several reasons why Sterling Heights car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Sterling Heights, Michigan.

Car Theft in Sterling Heights

High levels of vehicle theft can make car insurance more expensive. Sterling Heights, MI car theft statistics from the FBI indicate 122 vehicle thefts a year.

Commute Time in Sterling Heights

The more time you spend in your car the higher the risk of an accident. The average commute length in Sterling Heights, MI is 26.1 minutes according to City-Data.

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Compare Car Insurance Quotes in Sterling Heights, MI

Ready to find affordable Sterling Heights, Michigan car insurance today? Enter your ZIP code for fast, free Sterling Heights, MI car insurance quotes.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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