Car Insurance in Sterling Heights, Michigan

Car Insurance in Sterling Heights, Michigan

Find Cheap Auto Insurance Quotes in Sterling Heights, MI

Currently insured?

Minimum coverage in Sterling Heights, Michigan costs $3,672 per year. That makes it 60% more expensive than the Michigan state average, which is $2,292.

As one of the more populous cities in Michigan, Sterling Heights drivers pay more to insure their cars than residents of smaller cities.

We found that the cheapest auto insurance in Sterling Heights comes from Auto-Owners. An annual policy from Auto-Owners costs $1,213, making it $2,459 cheaper than the city average.

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Always make sure to compare quotes from at least three insurance companies before purchasing a policy. Otherwise, you might wind up overpaying. Allstate, the most expensive auto insurer in Sterling Heights, charges $11,047 per year for minimum coverage. That's 811% more than Auto-Owners, the cheapest option, and 201% more than the city average.

Cheapest car insurance for minimum coverage in Sterling Heights

Auto-Owners has the cheapest rates for a minimum-coverage policy in Sterling Heights. Premiums average $1,213 per year, enabling drivers to save $2,459 compared to the city average.

After Auto-Owners, the next most affordable insurers in Sterling Heights are Progressive and Frankenmuth Insurance. Average annual premiums from Progressive are $1,379, while average annual premiums from Frankenmuth are $1,726. That makes them 62% and 53% cheaper than the city average, respectively.

If you or a family member has served in the armed forces, check to see if you're eligible for USAA. At just $615 per year for minimum coverage, USAA is about half the price of Auto-Owners and 83% cheaper than the city average.

Cheapest car insurance companies in Sterling Heights

Find Cheap Auto Insurance Quotes in Sterling Heights

Currently insured?

Because minimum coverage is significantly more affordable than full coverage, many Michigan drivers go for the cheaper option. However, we generally recommend that drivers get a full-coverage policy — particularly if they have a new or recently purchased car. The required coverages in Michigan cover all injuries resulting from an accident and any damage to the other driver's car, but they leave your own car unprotected.

Rank
Company
Average annual rate
1Auto-Owners$1,213
2Progressive$1,379
3Frankenmuth Insurance$1,726
4State Farm$3,115
5Hanover$4,147
6AAA$6,133
7Allstate$11,047
N/A*USAA$615

*USAA is only available to current and former military members and their families.

Cheapest company in Sterling Heights for full coverage

For full coverage, Sterling Heights drivers should get quotes from Progressive, Auto-Owners and Frankenmuth. Together, these insurers charge an average of $2,795 per year, which makes them 54% cheaper than the city average.

Sterling Heights residents who want to switch from a minimum-coverage policy to a full-coverage policy will experience the smallest price increase with Progressive. Minimum coverage costs $1,379 per year, while full coverage costs $2,095 — just $716 more per year, or $60 more per month.

Rank
Company
Average annual rate
1Progressive$2,095
2Auto-Owners$2,855
3Frankenmuth$3,434
4State Farm$4,525
5AAA$8,651
6Hanover$8,679
7Allstate$16,579
N/A*USAA$1,603

*USAA is only available to current and former military members and their families.

The average cost of a full-coverage policy in Sterling Heights is $6,053, which is 65% more than the average cost of minimum coverage. The reason full coverage costs so much more than minimum coverage is because full coverage includes collision and comprehensive coverages.

Comprehensive

Covers damage resulting from events out of your control, such as the weather, falling objects or theft.

Collision

Covers damage to your car resulting from events within your control, such as a collision with another driver or a stationary object.

ValuePenguin recommends getting these additional coverages if you have a car that is less than 10 years old or a car worth more than $3,000. While they add to your monthly costs, they also protect you from high out-of-pocket costs in the event that your car sustains serious damage or is totaled.

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Cheapest car insurance for drivers with prior accidents

Sterling Heights drivers who have been in an at-fault accident should get quotes from Progressive and Auto-Owners. Not only do these two insurers offer the lowest rates in our study, but they also increase rates the least after an at-fault accident. Rates from Progressive jump from $2,095 to $2,742, a $647 increase, and rates from Auto-Owners jump from $2,855 to $3,299, an increase of $444.

Virtually all insurance companies factor your accident history into your rates. Insurers view an at-fault accident as a sign that you're a riskier driver and increase your rates to account for that risk.

Rank
Company
Rate before accident
Rate after accident
Difference
1Progressive$2,095$2,742$647
2Auto-Owners$2,855$3,299$444
3Frankenmuth$3,434$4,554$1,120
4State Farm$4,525$5,460$935
5AAA$8,651$18,914$10,263
6Hanover$8,679$14,405$5,726
7Allstate$16,579$24,190$7,611
N/A*USAA$1,603$2,239$636

*USAA is only available to current and former military members and their families.

Discounts can help drivers soften the effect of an accident on their premiums. Insurers offer discounts for a variety of things, from having anti-theft features in your car to taking a defensive driving course. When you call to get a quote, ask the agent if there are any other discounts for which you might be eligible.

Cheapest car insurance for drivers with a speeding ticket

Progressive has the most affordable rates for Sterling Heights drivers who have been caught speeding. The city average for drivers with a speeding ticket is $8,387 per year, but Progressive policyholders pay 68% less — just $2,654 per year.

Speeding tickets also signal to insurers that you're an unsafe driver and cause them to increase rates. We found that the average cost of auto insurance increases by 39% after an at-fault accident.

Rank
Company
Average annual rate
1Progressive$2,654
2Auto-Owners$3,299
3Frankenmuth$3,810
4State Farm$5,928
5Hanover$12,328
6Allstate$18,141
7AAA$18,914
N/A*USAA$2,024

*USAA is only available to current and former military members and their families.

Cheapest car insurance for drivers with a DUI

If you're a Sterling Heights driver who has received a citation for driving under the influence (DUI), start your search for affordable coverage with Progressive. Annual premiums are $2,489, making them 88% cheaper than the city average.

Because a DUI is such a serious offense, insurers raise rates significantly more than they do for other incidents. An at-fault accident raises rates by 57% percent and speeding tickets raise them by 39%, but a DUI raises them by a whopping 251%. The average cost of auto insurance for Sterling Heights drivers with a DUI on their record is $21,219 per year.

Rank
Company
Average annual rate
1Progressive$2,489
2Auto-Owners$6,739
3State Farm$12,008
4Frankenmuth$15,834
5Hanover$17,256
6AAA$32,490
7Allstate$80,101
N/A*USAA$2,836

*USAA is only available to current and former military members and their families.

Cheapest full-coverage auto insurance for young drivers

Teens are usually charged higher rates than adult drivers. This is because they tend to get into accidents more frequently, which causes insurers to see them as riskier. Our sample 18-year-old driver in Sterling Heights pays $14,379 per year on average, which is 138% more than our sample 30-year-old driver.

The most affordable insurance for a 18-year-old driver comes from Auto-Owners. Rates are 58% cheaper than the city average, with full coverage costing $6,054 per year.

If you or certain qualifying family members are in the military, be sure to get a quote from USAA. The company offers the cheapest insurance by far, with a full-coverage policy costing $3,457 per year.

Rank
Company
Average annual rate
1Auto-Owners$6,054
2Progressive$9,752
3Frankenmuth$9,982
4State Farm$12,288
5AAA$15,146
6Hanover$22,287
7Allstate$36,067
N/A*USAA$3,457

*USAA is only available to current and former military members and their families.

Once you've contacted several insurance companies, you may find that premiums are still too high. If that's the case, we recommend that you:

  1. Ask about discounts.
  2. Ask your parent or guardian if you can remain on their plan.

ValuePenguin found that teen drivers who stay on their parents’ plan wind up paying about half as much as those who take out their own policy.


Best car insurance companies in Sterling Heights by customer service

Ideally, your insurance company will provide you with both affordable rates and top-notch customer service. Good service from an insurance company means that they process claims quickly, offer 24/7 customer service and communicate with policyholders.

A ValuePenguin customer service survey found that Auto-Owners, USAA and State Farm had the highest rates of customer satisfaction with claims.

Before you pick an insurer, we recommend checking out online reviews. That way, you won't purchase a cheap policy only to find out that your insurer won't be there when you need them. It's also worth checking an insurer's website to make sure they have all the features that you want.

Rank
Company
% of respondents overall extremely satisfied with most recent claim
% of respondents who rated customer service as "excellent"
1Auto-Owners100%67%
2USAA78%62%
3State Farm73%46%
4Allstate72%47%
5Progressive74%34%
6AAA44%32%
N/AHanover
N/AFrankenmuth

Cost of car insurance in Sterling Heights by ZIP code

Car insurance costs vary slightly in Sterling Heights depending on which ZIP code you live in. Residents of ZIP code 48310 pay the most for both minimum and full coverage. Residents of ZIP code 48313 pay the least for full coverage, and residents of ZIP code 48314 pay the least for minimum coverage.

ZIP code
Average cost, full coverage
Average cost, minimum coverage
48310$6,209$3,718
48312$6,026$3,714
48313$5,950$3,655
48314$6,025$3,601

Auto theft statistics in Michigan

Sterling Heights has the 10th-highest rate of auto theft among Michigan cities, according to our analysis of 2019 FBI data. Approximately 0.7 cars are stolen for every 1,000 residents.

Rank
City
Population
Car Thefts
Thefts per 1,000
1Detroit663,5026,88610.4
2Lansing118,9533673.1
3Dearborn93,9022662.8
4Warren134,6533562.6
5Grand Rapids201,7995012.5
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Minimum car insurance requirements in Michigan

A minimum-coverage policy in Michigan includes the following coverage limits:

Required coverage
Required limits
Personal injury protection$250,000 or opt-out
Property protection insurance$1 million per accident
Residual bodily injury liability$50,000 per person/$100,000 per accident
Residual property damage liability$10,000 per accident

Because Michigan is a no-fault state, the required liability coverages are "residual" — meaning they are only used in unusual circumstances like serious injuries or a collision with an out-of-state driver.

Methodology

The sample driver for this ValuePenguin study is a 30-year-old unmarried man. He drives a 2015 Honda Civic EX that he owns and has an average credit score.

We gave him the following limits for a full-coverage policy:

Coverage type
Study limits
Bodily injury liability$50,000 per person/$100,000 per accident
Property damage$25,000 per accident
Uninsured/underinsured motorist bodily injury$50,000 per person/$100,000 per accident
Personal injury protection$10,000 per accident
Comprehensive and collision$500 deductible

Quadrant Information Services provided the insurance rate data used in this ValuePenguin study. Publicly sourced from insurer filings, these rates are intended for comparative purposes only. Your own quotes will likely differ.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.