Best Cheap Auto Insurance in Sterling, MI (2021)

The average Sterling, MI auto insurance rates are $825 per month. The minimum auto insurance in Sterling is at least 20/40/10 in coverage to comply with Michigan auto insurance laws. To find the best cheap auto insurance in Sterling, 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 average commute length in Sterling is 21.3 minutes
  • The minimum auto insurance required in Sterling, Michigan is 20/40/10
  • The most expensive auto insurance company in Sterling for teen drivers is Allstate

Sterling, Michigan auto insurance requirements are 20/40/10 according to Michigan auto insurance laws. Finding cheap auto insurance in Sterling 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, Michigan, including driving record, credit, commute time, and more.

Compare auto insurance in Sterling to other Michigan cities, including Sterling Heights auto insurance rates, Ann Arbor auto insurance rates, and Grand Rapids auto insurance rates to see how Sterling, Michigan auto insurance rates stack up.

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

Minimum Auto Insurance in Sterling, Michigan

Sterling, 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, Michigan.

Minimum Required Auto Insurance Coverage in Sterling, 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, Michigan Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Sterling, 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, 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 $17,934 $17,934 $16,748 $16,748 $43,152 $43,152 $18,869 $18,869
Farmers $4,435 $4,435 $4,141 $4,141 $9,568 $9,568 $4,971 $4,971
GEICO $3,997 $3,997 $4,041 $4,041 $10,846 $10,846 $3,818 $3,818
Liberty Mutual $14,982 $14,982 $14,830 $14,830 $35,769 $35,769 $14,982 $14,982
Nationwide $4,083 $4,083 $3,639 $3,639 $10,482 $10,482 $4,461 $4,461
Progressive $2,799 $2,623 $2,468 $2,745 $9,799 $10,428 $3,257 $3,035
State Farm $7,371 $7,371 $6,818 $6,818 $25,560 $25,560 $8,644 $8,644
Travelers $4,991 $4,991 $4,282 $4,282 $15,054 $15,054 $5,423 $5,423
USAA $2,605 $2,456 $2,452 $2,311 $6,208 $5,853 $3,152 $3,007

Cheap Sterling, Michigan Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Sterling, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $43,152 $43,152
Farmers $9,568 $9,568
GEICO $10,846 $10,846
Liberty Mutual $35,769 $35,769
Nationwide $10,482 $10,482
Progressive $9,799 $10,428
State Farm $25,560 $25,560
Travelers $15,054 $15,054
USAA $6,208 $5,853

Cheap Sterling, Michigan Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Sterling, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $16,748 $16,748
Farmers $4,141 $4,141
GEICO $4,041 $4,041
Liberty Mutual $14,830 $14,830
Nationwide $3,639 $3,639
Progressive $2,468 $2,745
State Farm $6,818 $6,818
Travelers $4,282 $4,282
USAA $2,452 $2,311

Cheap Sterling, 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, Michigan compared to the annual auto insurance rates with a clean record in Sterling, Michigan.

Annual Sterling, Michigan Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $11,716 $15,767 $52,805 $16,415
Farmers $4,869 $6,179 $6,108 $5,959
GEICO $2,043 $4,229 $12,710 $3,719
Liberty Mutual $14,309 $17,091 $30,988 $18,175
Nationwide $4,850 $6,465 $5,888 $5,462
Progressive $3,946 $5,153 $4,654 $4,825
State Farm $7,761 $9,269 $19,831 $11,533
Travelers $5,050 $7,190 $11,546 $5,964
USAA $2,824 $3,519 $4,604 $3,075

Cheap Sterling, Michigan Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Sterling, Michigan

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $52,805
Farmers $6,108
GEICO $12,710
Liberty Mutual $30,988
Nationwide $5,888
Progressive $4,654
State Farm $19,831
Travelers $11,546
USAA $4,604

Cheap Sterling, Michigan Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Sterling, Michigan

Insurance Company Poor Fair Good
Allstate $36,818 $20,327 $15,381
Farmers $7,686 $5,022 $4,628
GEICO $7,296 $5,365 $4,365
Liberty Mutual $31,867 $18,400 $10,154
Nationwide $7,110 $5,343 $4,545
Progressive $5,372 $4,504 $4,057
State Farm $19,631 $9,927 $6,737
Travelers $7,622 $7,392 $7,299
USAA $5,243 $2,998 $2,275

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Cheap Sterling, Michigan Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Sterling, Michigan

ZIP Code Average Annual Rates
48659 $6,873

Cheap Sterling, Michigan Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Sterling, Michigan

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $24,176 $24,176
Farmers $5,779 $5,779
GEICO $5,543 $5,808
Liberty Mutual $19,434 $20,847
Nationwide $5,666 $5,666
Progressive $4,644 $4,644
State Farm $11,770 $12,426
Travelers $7,395 $7,480
USAA $3,465 $3,546

Cheap Sterling, Michigan Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Sterling, Michigan

Insurance Company Low Medium High
Allstate $23,349 $24,248 $24,929
Farmers $5,640 $5,767 $5,929
GEICO $5,319 $5,628 $6,079
Liberty Mutual $19,630 $20,090 $20,702
Nationwide $5,932 $5,570 $5,496
Progressive $4,500 $4,651 $4,783
State Farm $11,496 $12,173 $12,626
Travelers $7,365 $7,444 $7,504
USAA $3,404 $3,514 $3,599

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Best By Category: Cheapest Auto Insurance in Sterling, Michigan

Compare the cheapest auto insurance companies in Sterling, 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, 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, Michigan Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Sterling, Michigan

Insurance Company Average Annual Rates
Allstate $24,176
Farmers $5,779
GEICO $5,675
Liberty Mutual $20,141
Nationwide $5,666
Progressive $4,644
State Farm $12,098
Travelers $7,438
USAA $3,505

What affects auto insurance rates in Sterling, Michigan?

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

Sterling Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Sterling, Michigan commute length is 21.3 minutes according to City-Data.

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Compare Sterling, Michigan Auto Insurance Quotes

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