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

On average, Sterling Heights, MI auto insurance costs $558 per month or $6,700 annually. The cheapest Sterling Heights, MI auto insurance company is USAA, followed by Progressive. By law, all Michigan residents must carry the minimum auto insurance limits of 20/40/10 in liability coverage. However, Michigan residents can now choose to waive personal injury protection (PIP) or purchase less coverage.

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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: Jun 22, 2021

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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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Things to Remember

  • On average, Sterling Heights, MI auto insurance costs $558 per month or $6,700 annually
  • USAA offers the cheapest rates in your city, followed by Progressive
  • Recent changes to Michigan auto insurance laws should help decrease annual premiums over time

Sterling Heights, Michigan auto insurance costs are low compared to the rest of the state. However, your Sterling Heights, MI auto insurance premiums depend on your age, driving record, and coverage requirements.

Below, take a look at actual annual auto insurance rates from the leading providers in Sterling Heights and learn how to secure cheap premiums in your city.

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, MI against other top US metro areas’ auto insurance rates.

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You can compare affordable Sterling Heights, MI auto insurance quotes for free by entering your ZIP code into our rate tool above.

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

The cheapest Sterling Heights, MI auto insurance company is USAA. However, only military personnel are eligible to use this company’s services.

Progressive offers the next most affordable average rates in your city and is available to everyone.

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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Below, compare the average annual rates from the top providers in Sterling Heights:

  • 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

As you can see, only some providers offer affordable Sterling Heights, MI auto insurance rates.

While there are many different factors that affect auto insurance rates, as of 2020, providers in Michigan cannot base premiums on non-driving factors like ZIP code, gender, or credit history.

To find the best company for you, compare quotes from multiple providers online.

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, MI 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, Massachusetts, and North Carolina. Find the cheapest Sterling Heights, MI 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, MI 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 not use gender, so check out the average monthly auto insurance rates by age in Sterling Heights, MI.

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

Auto insurance laws vary by state. All Sterling Heights residents must carry a minimum level of coverage set by the state of Michigan.

The current Michigan auto insurance requirements are:

  • $20,000 per person and $40,000 per incident in bodily injury liability insurance
  • $10,000 per incident in property damage liability coverage

Previously, an unlimited level of personal injury protection (PIP) was also required, leading to some of the highest rates in the country.

However, as of the summer of 2020, Michigan residents may waive this coverage.

Michigan is a no-fault state. PIP coverage pays for medical bills or lost wages due to an accident, regardless of fault.

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What affects auto insurance rates in Sterling Heights, MI?

Moderate traffic congestion and lower-than-average auto theft statistics help keep your Sterling Heights auto insurance costs low compared to the rest of the state.

While specific data does not exist for Sterling Heights, INRIX ranks the nearby city of Detroit as the 68th most congested city in the country.

According to City-Data, commute times in Sterling Heights are close to the national average, at just over 26 minutes.

Many Sterling Heights residents drive to and from Detroit for work.

Fortunately, the Federal Bureau of Investigation (FBI) only recorded 107 car thefts in your city in 2017.

That meager rate of only 80.5 stolen vehicles per 100,000 residents helps keep insurance prices in your region down.

Sterling Heights, MI Auto Insurance: The Bottom Line

Ultimately, Sterling Heights auto insurance prices are low compared to the rest of Michigan.

By comparing multiple quotes online and asking about auto insurance discounts, you’ll quickly secure the cheapest premiums in your city.

Now that you’re ready to buy Sterling Heights, MI auto insurance, enter your ZIP code into our free rate tool below to start shopping.

Free Auto Insurance Comparison

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

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