Compare Sterling Heights, MI Car Insurance Rates (2021)

The cheapest Sterling Heights, MI car insurance comes from Progressive, although Michigan has the most expensive coverage in the U.S. Auto insurance in Sterling Heights must meet the state requirements of 50/100/10 in liability coverage, 50/250 in PIP, and $1 million in PPI coverages. Compare Sterling Heights, MI auto insurance rates online to find the best deal for you.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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: Sep 3, 2021

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Here's what you need to know...

  • Progressive offers the cheapest Sterling Heights, MI car insurance to all drivers
  • Michigan has the most expensive average car insurance in the U.S.
  • Sterling Heights is a suburb of Detroit, MI, and it shares a high volume of traffic with the larger city

Sterling Heights, MI car insurance is some of the most expensive in the country. This isn’t surprising since Michigan car insurance on average is the most expensive in the U.S.

Finding affordable Sterling Heights, MI car insurance is a must. Shop around and compare rates from multiple companies to find cheap car insurance that meets your needs.

Monthly Sterling Heights, MI Car Insurance Rates by ZIP Code

Find more info about the monthly Sterling Heights, MI car insurance rates by ZIP Code below:

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Sterling Heights, MI Car Insurance Rates vs. Top US Metro Car Insurance Rates

Which city you live in will have a major affect on car insurance. That’s why it’s essential to compare Sterling Heights, Michigan against other top US metro areas’ auto insurance rates.

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Enter your ZIP code now to compare Sterling Heights, MI car insurance quotes from multiple companies for free.

What is the cheapest car insurance company in Sterling Heights, MI?

Although USAA actually has the cheapest car insurance on average in Sterling Heights, it only offers coverage to the military, veterans, and their families. The cheapest car insurance offered to all drivers in the city comes from Progressive.

The cheapest Sterling Heights, MI auto insurance company can be discovered below. You then might be asking, “How do those rates compare against the average Michigan auto insurance company rates?” We cover that as well.

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The top Sterling Heights, MI car insurance companies listed from least to most expensive are:

  • USAA – $3,806.24
  • Progressive – $7,146.26
  • Nationwide – $7,206.50
  • GEICO – $8,642.14
  • Travelers – $10,778.12
  • Farmers – $16,473.84
  • State Farm – $17,031.67
  • Liberty Mutual – $22,591.90
  • Allstate – $26,165.83

There are many different factors that affect your car insurance rates. You age, driving record, and credit history can all be used to calculate your rates. Even the Sterling Heights, MI weather can affect your rates since icy roads cause more accidents.

The size of your city can also drive up your rates. Larger cities with more traffic and crime will have higher car insurance rates. For example, although they are close together, Detriot car insurance rates are much higher than those in Sterling Heights.

Sterling Heights, Michigan auto insurance rates by company and age is an essential comparison because the top auto insurance company for one age group may not be the best company for another age group.

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Your coverage level will play a significant role in your Sterling Heights, MI auto insurance rates. Find the cheapest Sterling Heights, Michigan auto insurance rates by coverage level below:

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Your credit score will play a major role in your Sterling Heights, MI auto insurance rates unless you live in these states where discrimination based on credit is not allowed: California, Hawaii, and Massachusetts. Find the cheapest Sterling Heights, Michigan auto insurance rates by credit score below.

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Your driving record will affect your Sterling Heights auto insurance rates. For example, a Sterling Heights, Michigan DUI may increase your auto insurance rates 40 to 50 percent. Find the cheapest Sterling Heights, Michigan auto insurance rates by driving record.

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Factors affecting auto insurance rates in Sterling Heights, MI may include your commute, coverage level, tickets, DUIs, and credit. Controlling these risk factors will ensure you have the cheapest Sterling Heights, Michigan auto insurance.

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These states no longer use gender to calculate your auto insurance rates — Hawaii, Massachusetts, Michigan, Montana, and North Carolina, Pennsylvania. But age is still a big factor because young drivers are considered high-risk drivers in Sterling Heights. Michigan does use gender, so check out the average monthly auto insurance rates by age and gender in Sterling Heights, MI.

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What car insurance coverage is required in Sterling Heights, MI?

Most states, including Michigan, require drivers to carry at least a minimum amount of car insurance.

Sterling Heights drivers must carry at least:

  • $50,000 per person and $100,000 per incident for bodily injury liability
  • $10,000 per incident for property damage
  • $50,000 in personal injury protection (PIP) coverage for drivers in Medicaid and $250,000 for all others
  • $1 million in personal property protection (PPI)

Michigan is a no-fault state. This means that your own car insurance pays for damages and bodily injury no matter who caused the accident. That’s why drivers are required to carry PIP and PPI coverages.

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What affects car insurance rates in Sterling Heights, MI?

As a suburb of Detroit, Sterling Heights shares a high volume of traffic, which means a greater chance of being in an accident.

INRIX doesn’t have data for Sterling Heights, but it does list Detroit, MI as the 68th most congested city in the U.S.

City-Data reports that most drivers in Sterling Heights, MI commute about 25 minutes, but a significant amount of drivers commute an hour or more.

Auto theft can also raise your car insurance rates. According to the FBI, there were only 107 motor vehicle thefts in one year in Sterling Heights.

Sterling Heights, MI Car Insurance: The Bottom Line

Sterling Heights car insurance rates are some of the most expensive in the country, but you can still find cheap coverage.

Before you buy Sterling Heights, MI car insurance, shop around and compare quotes to see who can give you the best deal.

Enter your ZIP code to compare Sterling Heights, MI car insurance rates from companies near you today.

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

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Monthly Sterling Heights, MI Car Insurance Rates by ZIP Code
Sterling Heights, MI Car Insurance Rates vs. Top US Metro Car Insurance Rates
Sterling Heights, MI Car Insurance Rates by Company vs. City Average
Sterling Heights, MI Car Insurance Rates by Company and Age
The Cheapest Sterling Heights, MI Car Insurance Rates by Coverage Level
The Cheapest Sterling Heights, MI Car Insurance Rates by Credit Score
The Cheapest Sterling Heights, MI Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in Sterling Heights, MI
Average Monthly Car Insurance Rates by Age & Gender in Sterling Heights, MI
Monthly Sterling Heights, MI Car Insurance Rates by ZIP Code
Sterling Heights, MI Car Insurance Rates vs. Top US Metro Car Insurance Rates
Sterling Heights, MI Car Insurance Rates by Company vs. City Average
Sterling Heights, MI Car Insurance Rates by Company and Age
The Cheapest Sterling Heights, MI Car Insurance Rates by Coverage Level
The Cheapest Sterling Heights, MI Car Insurance Rates by Credit Score
The Cheapest Sterling Heights, MI Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in Sterling Heights, MI
Average Monthly Car Insurance Rates by Age & Gender in Sterling Heights, MI