Auto Insurance Basics

Car Insurance in Sterling Heights, Michigan

Find the Cheapest Insurance Quotes in Your Area

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Michigan's 4th largest city is Sterling Heights. With an average car insurance rate of $3,223 for a 30 year old driver, the Detroit suburb falls toward one of the more expensive spots for car insurance in the state. That doesn't mean you still can't find a great deal however. By comparing quotes from more than 20 companies in Sterling Heights, we were able to find out who has the most affordable car insurance.

Cheapest Auto Insurance in Sterling Heights, MI

Looking at quotes from 22 companies for a 30 year old driver, we calculated the average price for car insurance in Sterling Heights to be $3,223 per year. The cheapest company was MetLife where rates were just a little less than 3x as less than the Sterling Heights average. If you notice, companies like State Farm and Allstate are not in the top five, as they were actually one of the more expensive options to pursue in Michigan. Smaller and more local companies like Hastings Mutual and Chubb were actually better providers, based on price, for drivers living in Sterling Heights. 

Image displays the five cheapest auto insurers in Sterling Heights, Michigan

At the end of the day however, it is important to get as many quotes as possible when shopping for car insurance. Remember the prices above are reflected for a 30 year old male driver with a good driving record. Pricing may differ based on your history and profile. Just remember, because you may have heard the name of the company before, it does not mean they have the best rates around. Below is a list of the top ten cheapest insurers for our sample 30 year old driver in Sterling Heights:

Company Yearly Rate
MetLife $1,176
Hastings Mutual $1,404
Chubb $1,668
MEEMIC $2,028
Pioneer State Mutual $2,028
Auto Owners $2,364
Frankenmuth $2,376
SECURA $2,520
Grange Insurance $2,760
Nationwide $2,808

Car Insurance Agents and Agencies in Sterling Heights, MI

We also collected the names and addresses of a few agencies and agents in the Sterling Heights area. Many companies allow the whole quote process to happen online. There are also many companies who still manage operations through agents however. 

Agent/AgencyAddress
Millennium Insurance-Investment 43807 Van Dyke, Sterling Heights, MI 48314, United States
Allstate Insurance: John Quagliotto 2456 Metro Pkwy, Sterling Heights, MI 48310, United States
Allstate Insurance: Craig Borowsky 13468 15 Mile Rd, Sterling Heights, MI 48312, United States
Liberty Mutual - Sterling Heights, MI 14460 Lakeside Cir Ste 110, Sterling Heights, MI 48313, United States
ISU-Great Northern Insurance Agency 39850 Van Dyke, Sterling Heights, MI 48313, United States
LA Insurance 235 42903 Van Dyke, Sterling Heights, MI 48314, United States
First Independent - Descamps Insurance Agency 14500 Lakeside Cir, Sterling Heights, MI 48313, United States
Tom Dupart - State Farm Insurance Agent 14441 15 Mile Rd, Sterling Heights, MI 48312, United States
Chuck Tourangeau - State Farm Insurance Agent 43656 Schoenherr Rd, Sterling Heights, MI 48313, United States
Nona Insurance Agency 1999 15 Mile Rd, Sterling Heights, MI 48310, United States

Car Insurance Requirements

In every state that requires car insurance, you need to carry a minimum amount. Michigan's requirements are a bit different, since it is also part of a smaller group of states that mandate personal injury protection insurance, a group called "No-Fault" states. It is also the only state that mandates drivers also hold personal property insurance (PPI). Below we list all the requirements for car insurance in Michigan

Type of CoverageLimits
Bodily Injury Liability (BI) $20,000 per person/ $40,000 per accident
Property Damage Liability (PD) $10,000 per accident
Personal Injury Protection (PIP) Unlimited
Property Protection Insurance (PPI) Up to $1 million 

Personal Injury Protection 

Since personal injury protection in Michigan is unlimited, medical bills stemming from a car accident can be whatever price, and your PIP will cover it. If you are disabled in an accident, personal injury protection also covers your lost wages up to a certain amount until you recover. The wide ranging coverage makes things a bit more expensive however, since Sterling Heights drivers have to abide by Michigan statewide rules. To help with pricing, you can coordinate your health insurance with your PIP to reduce your premium. What this means is that your health insurance will take care of your medical bills while PIP will continue to pay for lost wages in the event of a disability. Unfortunately, if you are on Medicaid or Medicare, you will not be able to coordinate the two plans.

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