Sterling Heights' average monthly full coverage car insurance cost is $186. Rates range from $176 to $579, depending on factors like your driving profile. The table below shows average car insurance costs for various driver profiles to help you understand potential costs.
Sterling Heights, MI, Car Insurance
Updated: January 14, 2025
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Cheapest Car Insurance in Sterling Heights: Key Takeaways
Travelers, GEICO, Encompass and Chubb are the cheapest car insurance providers in Sterling Heights.
Travelers is the cheapest provider for minimum coverage at $40 per month, while GEICO has the lowest full coverage rate at $109.
On average, car insurance costs $101 monthly for minimum coverage and $186 for full coverage.
Car Insurance Quotes in Sterling Heights, MI
| Young Drivers | $111 | $213 |
| Teens | No Data | $579 |
| Seniors | $101 | $176 |
| Drivers With an Accident | $151 | $283 |
| Drivers With a Speeding Ticket | $145 | $264 |
| Drivers With a DUI | $262 | $482 |
Because insurers calculate premiums differently, you'll need to get quotes from multiple providers for the most accurate estimate.
Sterling Heights vs. State Average
Michigan
State Average Full Coverage Rate
$2,205
Sterling Heights, MI
City Average Full Coverage Rate
$2,236Sterling Heights Car Insurance Cost is Average:$31 more
This is 1% more expensive.
What Is the Average Car Insurance Rate in Sterling Heights?
In Sterling Heights, full coverage car insurance costs about $2,236 per year, while minimum coverage averages $1,208. These rates are higher than Michigan's averages of $2,205 and $1,066, respectively.
| State Average | $1,066 | $2,205 |
| Sterling Heights Average | $1,208 | $2,236 |
Cheapest Car Insurance Companies in Sterling Heights
Even though premiums are rising in Michigan, you can find cheap car insurance in Sterling Heights. Travelers offers the lowest rate for minimum coverage, $40 per month. GEICO provides the most affordable rate for full coverage, $109.
Cheap Car Insurance in Sterling Heights
Travelers offers the cheapest minimum coverage, but rates vary by driver. The best way to find affordable car insurance is to get quotes from several companies. The table below shows the cheapest rates for different driver profiles.
| Travelers | Minimum Coverage | $40 |
| GEICO | Full Coverage | $109 |
| GEICO | Teens | $232 |
| GEICO | Young Adults | $90 |
| Travelers | Seniors | $79 |
| Chubb | Drivers With a DUI | $97 |
| Chubb | Drivers With an Accident | $97 |
| Chubb | Drivers With a Speeding Ticket | $97 |
Car Insurance Rates in Sterling Heights by Company
Every car insurer in Sterling Heights prices differently, so compare multiple quotes to find the best rate. The table below highlights the most affordable minimum and full coverage options.
Cheapest Car Insurance Companies for Minimum Coverage in Sterling Heights
Travelers offers the cheapest minimum coverage auto insurance at $40 per month, followed by Westfield at $54. The table below breaks down the cheapest options.
| Travelers | $40 | $61 |
| Westfield | $54 | $47 |
| Chubb | $58 | $43 |
| Encompass | $61 | $40 |
| GEICO | $71 | $30 |
| Auto-Owners | $71 | $30 |
| Progressive | $72 | $28 |
| Grange Insurance | $85 | $15 |
| Pioneer State Mutual Ins Co | $99 | $2 |
Cheapest Car Insurance Companies for Full Coverage in Sterling Heights
GEICO offers the cheapest full coverage car insurance in Sterling Heights at $109 monthly. Below is a full list of providers and their rates.
| GEICO | $109 | $78 |
| Travelers | $123 | $64 |
| Progressive | $131 | $55 |
| Auto-Owners | $135 | $52 |
| Chubb | $137 | $50 |
| Encompass | $137 | $49 |
| Grange Insurance | $159 | $28 |
| Westfield | $160 | $27 |
| Pioneer State Mutual Ins Co | $171 | $15 |
Car Insurance Companies in Sterling Heights
Travelers offers the cheapest rate in Sterling Heights at $974 per year. Chubb is the best cheap car insurance company, with a MoneyGeek score of 95 out of 100. Check the table below for more choices.
| Chubb | 95 | $1,165 |
| Westfield | 87 | $1,283 |
| Pioneer State Mutual Ins Co | 81 | $1,619 |
| Auto-Owners | 81 | $1,233 |
| Farm Bureau Ins of MI | 70 | $2,046 |
| Grange Insurance | 68 | $1,464 |
| Travelers | 68 | $974 |
| State Farm | 66 | $2,378 |
| GEICO | 66 | $1,076 |
| Progressive | 64 | $1,222 |
| Hanover | 60 | $3,998 |
| Farmers | 55 | $2,742 |
| Encompass | No Data | $1,187 |
*Rates are for a 40-year-old driver with no driving violations.
Car Insurance Cost in Sterling Heights by Age
Middle-aged drivers and younger seniors pay the lowest car insurance rates in Sterling Heights, averaging $2,236 per year for 40-year-olds and $2,109 for 65-year-olds. The table below compares average costs for Sterling Heights drivers aged 16 to 65.
| 16 | $6,560 | $-2,670 |
| 17 | $6,291 | $-2,401 |
| 18 | $5,642 | $-1,752 |
| 19 | $5,212 | $-1,321 |
| 20 | $5,498 | $-1,608 |
| 21 | $4,139 | $-249 |
| 22 | $4,081 | $-191 |
| 23 | $4,288 | $-398 |
| 24 | $4,068 | $-178 |
| 25 | $2,553 | $-286 |
| 40 | $2,236 | $31 |
| 65 | $2,109 | $158 |
Cheapest Car Insurance for Teens in Sterling Heights
GEICO offers the cheapest overall car insurance for teens in Sterling Heights at $228 monthly, saving $266 compared to the state average. The table below highlights other affordable providers for this age group.
| GEICO | $228 | $266 | $232 |
| Progressive | $285 | $209 | $575 |
| Encompass | $295 | $199 | $334 |
| Auto-Owners | $339 | $155 | $251 |
| Travelers | $578 | $-84 | $556 |
| Farmers | $761 | $-267 | $1,492 |
| State Farm | $970 | $-476 | $612 |
*Rates are for 16 to 19-year-old drivers with no driving violations for full coverage policies.
Best Car Insurance Rates for Young Drivers in Sterling Heights
Travelers offers the lowest minimum coverage rate, $45 per month, for young drivers in Sterling Heights. GEICO is the most affordable for full coverage at $109. The table below shows the lowest rates for different young driver profiles.
| Travelers | Minimum Coverage | $45 |
| GEICO | Full Coverage | $109 |
| Chubb | Drivers With a DUI | $109 |
| Chubb | Drivers With an Accident | $109 |
| Chubb | Drivers With a Speeding Ticket | $109 |
Cheapest Car Insurance Companies for Young Drivers in Sterling Heights
GEICO offers the most affordable auto insurance for young drivers in Sterling Heights at $90 monthly. Other companies with cheap rates include Travelers and Encompass. The table below shows other companies with competitive rates.
| GEICO | $90 | $72 |
| Travelers | $92 | $70 |
| Encompass | $99 | $63 |
| Auto-Owners | $108 | $54 |
| Chubb | $109 | $53 |
| Progressive | $112 | $50 |
| Grange Insurance | $127 | $35 |
| Westfield | $138 | $24 |
| Pioneer State Mutual Ins Co | $149 | $13 |
*Rates are for 25-year-old drivers with no driving violations for minimum and full coverage policies.
Best Car Insurance Rates for Seniors in Sterling Heights
Travelers, GEICO and Chubb offer the cheapest car insurance in Sterling Heights, though rates vary by factors like driving history and coverage type. The table below shows the most affordable providers for different driver and coverage profiles.
| Travelers | Minimum Coverage | $41 |
| GEICO | Full Coverage | $109 |
| Chubb | Drivers With a DUI | $81 |
| Chubb | Drivers With an Accident | $81 |
| Chubb | Drivers With a Speeding Ticket | $81 |
Cheapest Car Insurance for Seniors in Sterling Heights
Travelers offers the cheapest monthly premium for seniors at $79 for minimum coverage, followed closely by Chubb at $81. The table below lists the top car insurance providers for senior drivers in Sterling Heights.
| Travelers | $79 | $60 |
| Chubb | $81 | $58 |
| Encompass | $85 | $53 |
| GEICO | $90 | $48 |
| Progressive | $97 | $41 |
| Westfield | $111 | $27 |
| Auto-Owners | $117 | $22 |
| Pioneer State Mutual Ins Co | $126 | $12 |
*Rates are for 65-year-old drivers with no driving violations for minimum and full coverage policies.
Car Insurance Cost for High-Risk Drivers in Sterling Heights
In Sterling Heights, high-risk drivers face higher car insurance rates than the state average. Minimum coverage costs $2,235 annually, while full coverage averages $4,117 — higher than the state averages of $1,998 and $3,982, respectively. Drivers with DUIs pay the most, while accidents and speeding tickets have a smaller effect on rates.
| Sterling Heights Average | $2,235 | $4,117 |
| State Average | $1,998 | $3,982 |
DRIVING OFFENSES AFFECT RATES FOR A LIMITED TIME ONLY
Most minor driving incidents, like a speeding ticket, affect insurance costs for around three to five years. For serious offenses, such as a DUI, insurers may consider them for five to 10 years. These offenses often mean you must file an SR-22 in Michigan to meet your state's minimum coverage requirements.
Cheapest Auto Insurance Rates With a DUI in Sterling Heights
Chubb offers the cheapest minimum coverage for drivers with a DUI in Sterling Heights at $690 per year. It's also the most affordable for full coverage at $1,640. Explore the table below for more low-cost coverage options.
| Chubb | $58 | $137 |
| Progressive | $81 | $147 |
| Grange Insurance | $147 | $254 |
| Auto-Owners | $165 | $313 |
| Westfield | $173 | $500 |
*Rates are for a 40-year-old driver with a DUI.
Cheapest Auto Insurance Rates With an Accident in Sterling Heights
Chubb, Auto-Owners and Westfield offer the cheapest auto insurance after an at-fault accident in Sterling Heights. The table below lists affordable car insurance options for drivers with an at-fault accident violation.
| Chubb | $58 | $137 |
| Auto-Owners | $81 | $154 |
| Westfield | $85 | $271 |
| Encompass | $90 | $203 |
| Progressive | $97 | $177 |
*Rates are for a 40-year-old driver with an at-fault accident.
Cheapest Auto Insurance Rates With a Speeding Ticket in Sterling Heights
Chubb is the cheapest car insurance provider for drivers with speeding tickets in Sterling Heights, with minimum coverage starting at $58 per month and full coverage at $137. The table below shows how much other providers charge drivers with speeding tickets.
| Chubb | $58 | $137 |
| Encompass | $69 | $156 |
| Westfield | $70 | $195 |
| Travelers | $73 | $231 |
| Progressive | $87 | $164 |
*Rates are for a 40-year-old driver with a speeding ticket.
Minimum Car Insurance Requirements in Sterling Heights, MI
In Michigan, each city follows statewide mandates for car insurance minimums. Your policy must include at least:
- $50,000 in bodily injury liability per person
- $100,000 in bodily injury liability per accident
- $10,000 in property damage liability per accident
- Unlimited personal injury protection (PIP) per person
For example, if you're in a car accident, your insurance covers up to $50,000 for injuries to one person and $100,000 for all injuries in the accident.
Cheap Car Insurance in Sterling Heights: Bottom Line
Travelers offers the cheapest minimum coverage in Sterling Heights at $40 monthly, while GEICO provides the most affordable full coverage at $109. Drivers of all profiles, including young drivers, seniors and those with poor credit, can find competitive rates. Ensure your policy includes Michigan’s mandatory coverage: personal injury protection, property protection and residual liability. Compare providers to secure affordable rates that meet state requirements.
Sterling Heights Auto Insurance: FAQ
We provide quick answers to common questions about finding affordable and quality car insurance options in Sterling Heights.
What is the cheapest car insurance company in Sterling Heights, MI?
Travelers offers the most affordable car insurance in Sterling Heights, Michigan. Minimum coverage starts at $40 per month, with potential monthly savings of $61.
What is the best car insurance company in Sterling Heights, MI?
Chubb is the best car insurance provider in Sterling Heights, Michigan, with a MoneyGeek score of 95 out of 100 and an average annual premium of $1,165.
How much does car insurance cost on average in Sterling Heights, MI?
The average monthly cost of minimum coverage auto insurance in Sterling Heights ranges from $101 to $262.
Best Cheap Car Insurance in Sterling Heights: Our Methodology
MoneyGeek analyzed Sterling Heights auto insurance prices using data from the Michigan Department of Insurance and Financial Services and Quadrant Information Services.
Sterling Heights Driver Profile
To assess the best and most affordable auto insurance options for Sterling Heights residents, MoneyGeek used the following sample driver profile:
- 40-year-old male
- Clean driving history
- 2012 Toyota Camry LE
- 12,000 miles driven per year
By altering variables such as age, driving records and military status, MoneyGeek also found the top insurers for different types of drivers.
Coverage Levels in Sterling Heights
In assessing the car insurance quotes for Sterling Heights, we gathered data for minimum and full coverage policies, ensuring each insurer conformed to Michigan's minimum coverage requirements:
- $50,000 in bodily injury liability per person
- $100,000 in bodily injury liability per accident
- $10,000 in property damage liability per accident
- Unlimited personal injury protection (PIP) per person
For full coverage policies, MoneyGeek increased limits to:
- $100,000 in bodily injury liability per person
- $300,000 in bodily injury liability per accident
- $100,000 in property damage liability
- Comprehensive and collision coverage with a deductible of $1,000
MoneyGeek’s Scoring System
MoneyGeek scored insurers on a scale of zero to 100, factoring in customer satisfaction, cost-effectiveness, claims management, coverage options and financial stability.
Insurers received scores as indicated below, with a total possible score of 100 points:
- General customer satisfaction (up to 35 points)
- Affordability (up to 30 points)
- Claims experience (up to 20 points)
- Essential coverages (up to 10 points)
- Financial stability (up to five points)
MoneyGeek’s Sources
To gauge rates and assess the best service experiences among Michigan providers, MoneyGeek used six sources:
- Quadrant Information Services provided actual policy quotes in Sterling Heights
- J.D. Power's studies and the NAIC index contributed to the assessment of customer service
- Claims experience metrics came from J.D. Power and the CRASH Network’s report card
- AM Best and Demotech offered financial stability insights through their ratings
MoneyGeek gathered 50,284 quotes from 14 insurance companies in Sterling Heights for the average driver of various ages who drives a Toyota Camry with a clean record, barring specific exceptions.
For more details on our evaluation process, see MoneyGeek's methodology.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.