Buy Cheap Sterling Heights, MI Auto Insurance (2022)

Sterling Heights, MI auto insurance rates average $1,110 a month. Minimum auto insurance requirements in Sterling Heights, Michigan are 20/40/10 to comply with Michigan laws. To buy cheap auto insurance in Sterling Heights, MI, compare Sterling Heights auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • The most expensive auto insurance company in Sterling Heights after a DUI is Allstate
  • Average auto insurance rates in Sterling Heights, MI are $1,110/month
  • The most expensive auto insurance company in Sterling Heights is Allstate

Finding affordable Sterling Heights, Michigan auto insurance can be challenging, but everything you need to know to buy cheap Sterling Heights, MI auto insurance with confidence is right here. Auto insurance rates in Sterling Heights are affected by local factors as well as personal ones like your driving record.

See how Sterling Heights, MI car insurance rates compare to Flint auto insurance rates, Dearborn auto insurance rates, and Sterling Heights auto insurance rates before you read more about the cost of auto insurance in Sterling Heights.

Don’t buy Sterling Heights, MI auto insurance until you’ve compared rates. Get free Sterling Heights, Michigan auto insurance quotes when you enter your ZIP code above.

Sterling Heights, MI Minimum Auto Insurance Requirements

The required auto insurance in Sterling Heights, MI is 20/40/10 according to the auto insurance laws in Michigan. The minimum auto insurance in Sterling Heights, Michigan is outlined here.

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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Find Cheap Sterling Heights, MI Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Sterling Heights, MI. Take a look at Sterling Heights, Michigan auto insurance rates by credit history.

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

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

Do age, gender, and marital status affect Sterling Heights, Michigan auto insurance rates? Find out how car insurance rates in Sterling Heights, MI are impacted by demographics.

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

Buy Cheap Sterling Heights, MI Auto Insurance for Teen Drivers

Auto insurance for teenagers in Sterling Heights can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Sterling Heights, MI are listed here.

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

Buy Cheap Sterling Heights, MI Auto Insurance for Seniors

You can save on senior auto insurance rates in Sterling Heights, Michigan by comparing Sterling Heights senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Sterling Heights, MI here.

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

Find Cheap Auto Insurance Rates in Sterling Heights, MI by Coverage Level

The amount of coverage you choose is a big factor in the cost of Sterling Heights, Michigan auto insurance. Compare Sterling Heights, MI 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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Find Cheap Sterling Heights, MI Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Sterling Heights. Compare auto insurance rates in Sterling Heights, MI by commute length to see how your daily commute impacts your rates.

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 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

Find Cheap Sterling Heights, MI Auto Insurance Rates by ZIP Code

Auto insurance rates in Sterling Heights, Michigan can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Sterling Heights, MI to see how much where you live in Sterling Heights affects the cost of car insurance.

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

Find Cheap Sterling Heights, MI Auto Insurance Rates by Driving Record

Auto insurance rates in Sterling Heights, Michigan are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Sterling Heights, MI, take a look at the average cost for various violations versus rates for a clean driving record in Sterling Heights.

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

Find Cheap Sterling Heights, MI Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Sterling Heights, Michigan is higher than for a clean driving record. You can buy auto insurance after a DUI in Sterling Heights for less when you shop around and compare rates from multiple Sterling Heights, MI auto insurance companies.

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

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Winners by Category: Where to Buy Cheap Auto Insurance in Sterling Heights, MI

Compare rates from the cheapest auto insurance companies in Sterling Heights, MI for your needs. Take a look at how Sterling Heights, Michigan auto insurance companies stack up for each category.

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

Find Cheap Sterling Heights, Michigan Auto Insurance Companies

If you’re looking for the cheapest Sterling Heights, MI auto insurance companies overall, you can compare them here. Find the best price for Sterling Heights, Michigan car insurance by company.

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 Sterling Heights, Michigan auto insurance rates?

Local factors affect auto insurance rates in Sterling Heights, MI, including traffic, theft statistics, and commute length. Take a look at the things that impact Sterling Heights auto insurance rates.

Auto Theft in Sterling Heights

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Sterling Heights, MI auto theft show a total of 122 vehicle thefts annually.

Commute Times in Sterling Heights

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Sterling Heights, MI is 26.1 minutes according to City-Data.

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Compare Auto Insurance Quotes in Sterling Heights, MI

You can buy cheap Sterling Heights, MI auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Sterling Heights, Michigan auto insurance quotes from top companies.

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