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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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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Founder & CFP®

UPDATED: Mar 19, 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.

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 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.

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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.

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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