Best Cheap Auto Insurance in Sterling Heights, MI (2021)

The average Sterling Heights, MI auto insurance rates are $1,110 per month. The minimum auto insurance in Sterling Heights is at least 20/40/10 in coverage to comply with Michigan auto insurance laws. To find the best cheap auto insurance in Sterling Heights, Michigan, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The cheapest auto insurance company in Sterling Heights is USAA
  • Average auto insurance rates in Sterling Heights, MI for senior drivers are $8,752 per year
  • The minimum auto insurance required in Sterling Heights, Michigan is 20/40/10

Sterling Heights, Michigan auto insurance requirements are 20/40/10 according to Michigan auto insurance laws. Finding cheap auto insurance in Sterling Heights can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Sterling Heights, Michigan, including driving record, credit, commute time, and more.

Compare auto insurance in Sterling Heights to other Michigan cities, including Flint auto insurance rates, Warren auto insurance rates, and Sterling Heights auto insurance rates to see how Sterling Heights, Michigan auto insurance rates stack up.

Before you buy Sterling Heights, Michigan auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Sterling Heights, Michigan auto insurance quotes.

Minimum Auto Insurance in Sterling Heights, Michigan

Sterling Heights, Michigan auto insurance laws require that you have at least the Michigan minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Sterling Heights, Michigan.

Minimum Required Auto 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

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Cheap Sterling Heights, Michigan Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Sterling Heights, Michigan are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto 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

Cheap Sterling Heights, Michigan Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Sterling Heights, Michigan is a challenge. Take a look at the annual teen auto insurance rates in Sterling Heights, Michigan.

Annual Auto 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

Cheap Sterling Heights, Michigan Auto Insurance for Seniors

What are senior auto insurance rates in Sterling Heights, Michigan? Take a look at the annual average rates for older drivers.

Annual Auto 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

Cheap Sterling Heights, Michigan Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Sterling Heights, Michigan compared to the annual auto insurance rates with a clean record in Sterling Heights, Michigan.

Annual Sterling Heights, Michigan Auto 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

Cheap Sterling Heights, Michigan Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Sterling Heights, Michigan is not easy. Compare the annual rates for DUI auto insurance in Sterling Heights, Michigan to find the best deal.

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

Insurance Company Annual Auto 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

Cheap Sterling Heights, Michigan Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Sterling Heights, Michigan annual auto insurance rates by credit history compare.

Annual Auto 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

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Cheap Sterling Heights, Michigan Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Sterling Heights, Michigan can vary. Compare the annual cost of auto insurance by ZIP code in Sterling Heights, Michigan to see how car insurance rates are affected by location.

Annual Auto 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

Cheap Sterling Heights, Michigan Auto Insurance Rates By Commute

Commute length and annual mileage affect Sterling Heights, Michigan auto insurance. Find the cheapest annual Sterling Heights, Michigan auto insurance by commute length.

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

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 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

Cheap Sterling Heights, Michigan Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Sterling Heights, Michigan? Check out the comparison of annual Sterling Heights, Michigan auto insurance rates by coverage level.

Annual Auto 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

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Best By Category: Cheapest Auto Insurance in Sterling Heights, Michigan

Compare the cheapest auto insurance companies in Sterling Heights, Michigan in each category to find the company with the best rates for your personal needs.

Best Annual Auto 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

The Cheapest Sterling Heights, Michigan Auto Insurance Companies

What auto insurance companies in Sterling Heights, Michigan are the cheapest? Compare the top Sterling Heights, Michigan auto insurance companies to find the best annual rates.

Average Annual Auto 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

What affects auto insurance rates in Sterling Heights, Michigan?

There are a lot of reasons why auto insurance rates in Sterling Heights, Michigan are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Sterling Heights, Michigan. Many local factors may affect your Sterling Heights auto insurance rates.

Sterling Heights Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Sterling Heights, Michigan auto theft statistics, there have been 122 auto thefts in the city.

Sterling Heights Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Sterling Heights, Michigan commute length is 26.1 minutes according to City-Data.

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Compare Sterling Heights, Michigan Auto Insurance Quotes

Before you buy Sterling Heights, Michigan auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Sterling Heights, Michigan auto insurance quotes.

Free Auto Insurance Comparison

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

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