Cheapest Car Insurance Quotes in Sterling Heights

Finding the cheapest car insurance quotes in Sterling Heights shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.

Enter your zip code to get personalized rates.

Featured in

399,755 Policies Sold

Sterling Heights Car Insurance

^$ 53

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Sterling Heights

The car insurance rate in Sterling Heights is $1829 for a six-month policy, which is $626 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $749, making it a popular choice for budget-conscious drivers. Rates in Sterling Heights can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Sterling Heights

$1829

Avg. Car Insurance in Michigan

$1203

National Average

$1140

Cheapest Car Insurance Companies in Sterling Heights

1st place: Travelers

At $749 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $939 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Encompass

Encompass offers auto insurance rates at $1038 for six months, making it the third cheapest auto insurance company in Sterling Heights.

Sterling Heights Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Sterling Heights, MI is Travelers, offering policies at just $749 for a six-month term. This is followed by USAA, which has an average six-month premium of $939.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $1237 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Sterling Heights drivers find the best deals.

Cheap Car Insurance Companies in Sterling Heights, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$749	$126
USAA	$939	$158
Encompass	$1038	$173
Auto-Owners Insurance Co	$1066	$181
Chubb	$1120	$187
Auto-Owners	$1256	$211
AAA	$1281	$216
Farm Bureau Ins of MI	$1318	$223
Pioneer State Mutual Ins Co	$1435	$239
Progressive	$1435	$242
Westfield	$1788	$301
Farm Bureau	$2014	$342
State Farm	$2564	$432
Allstate	$2736	$465
Bristol West	$3566	$594
Farmers	$5543	$942
Hastings Mutual	$1237	$207

Key Takeaways

Way's key takeaways about car insurance in Sterling Heights

The auto insurance costs in Sterling Heights fall around $749 for six months.
The cheapest auto insurance company in Sterling Heights is Travelers.
Teen drivers pay the highest rate in Sterling Heights at $1468 per month.

High Rates Shouldn’t Drive You Out of Pocket.

Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Sterling Heights

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Sterling Heights are given below.

Travelers provides the cheapest minimum car insurance coverage in Sterling Heights. Their Average 6 Month Premium is $316. Hastings Mutual is the most expensive at $541 for the same period.

Cheapest Liability Coverage in Sterling Heights, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$316	$53
Westfield	$334	$56
USAA	$424	$71
Encompass	$433	$73
Chubb	$461	$76
Auto-Owners Insurance Co	$497	$85
Auto-Owners	$587	$99
Farm Bureau Ins of MI	$641	$109
Progressive	$660	$111
AAA	$786	$134
Farm Bureau	$993	$166
Allstate	$1164	$198
Bristol West	$1490	$248
State Farm	$1598	$269
Farmers	$2880	$480
Hastings Mutual	$541	$90

Cheapest Full Coverage Car Insurance in Sterling Heights

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Sterling Heights is Travelers at $126 per month and $749 for six months.

Cheapest Full Coverage Car Insurance Quotes in Sterling Heights, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$749	$126
USAA	$939	$158
Encompass	$1038	$173
Auto-Owners Insurance Co	$1066	$181
Chubb	$1120	$187
Auto-Owners	$1256	$211
AAA	$1281	$216
Farm Bureau Ins of MI	$1318	$223
Pioneer State Mutual Ins Co	$1435	$239
Progressive	$1435	$242
Westfield	$1788	$301
Farm Bureau	$2014	$342
State Farm	$2564	$432
Allstate	$2736	$465
Bristol West	$3566	$594
Farmers	$5543	$942
Hastings Mutual	$1237	$207

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Sterling Heights Instantly!

Average Car Insurance in Sterling Heights by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Sterling Heights, MI increasing?

Despite maintaining a clean driving record, your car insurance rates in Sterling Heights, Michigan, may be increasing due to several external factors. Michigan has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Sterling Heights's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Sterling Heights

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Chubb	$424
30s	USAA	$322
40s	USAA	$309
50s	USAA	$296
60s	Chubb	$271
70s	Chubb	$296

Cheapest Car Insurance Rates for Teen Drivers in Sterling Heights,MI

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Sterling Heights at $62 per month. At $8811 for a six-month premium, Bristol West offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$371	$62
Westfield	$397	$67
Encompass	$433	$73
Chubb	$515	$88
Auto-Owners Insurance Co	$541	$90
Grange	$704	$120
USAA	$1427	$240
Auto-Owners	$1707	$287
AAA	$2275	$383
Farm Bureau	$3277	$558
Progressive	$3513	$591
Allstate	$5923	$1008
State Farm	$6077	$1012
Farmers	$25425	$4323
Bristol West	$8811	$1468

Teen Car Insurance Rates in MI by Age

Way Tip

If you are in your twenties Chubb is the best choice for car insurance in Sterling Heights.

As young drivers face the highest rates in Sterling Heights, Chubb offers the cheapest auto insurance rates at $424 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Sterling Heights, Travelers is the cheapest car insurance provider. At $605 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Sterling Heights is Farm Bureau Ins of MI, offering rates of around $1914 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$605	$103
Encompass	$623	$103
Progressive	$876	$149
Westfield	$921	$154
Auto-Owners Insurance Co	$976	$166
Pioneer State Mutual Ins Co	$1192	$199
Grange	$1508	$257
Farm Bureau Ins of MI	$1914	$319

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Sterling Heights.

Car Insurance Rates with An Accident in Sterling Heights

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Sterling Heights, MI, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Sterling Heights

The cheapest car insurance companies after an at-fault accident in Sterling Heights include Chubb and Westfield, offering $461 and $488, respectively. Pioneer State is an expensive provider with an average six-month premium of $722.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$461	$79
Westfield	$488	$81
Auto-Owners Insurance Co	$568	$97
Encompass	$641	$106
Farm Bureau Ins of MI	$758	$129
Pioneer State Mutual Ins Co	$839	$140
Travelers	$894	$150
USAA	$1120	$188
Progressive	$1237	$208
Auto-Owners	$1382	$233
AAA	$1769	$298
Farm Bureau	$2465	$410
State Farm	$2807	$477
Allstate	$4361	$727
Farmers	$7792	$1325
Pioneer State	$722	$120

Sterling Heights Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Sterling Heights MI. For example, the car insurance in Sterling Heights after a DUI increases to $3648 for a six month policy. While the rate increases by $1987 for a six-month policy in the case of a speeding ticket.

Sterling Heights auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1987	$331
Failure to wear a seat belt	$2356	$401
Cell phone violation	$2500	$416
Texting while driving	$2500	$426
Illegal turn	$2510	$418
Wrong way/wrong lane	$2510	$427
Speeding in school zone	$2546	$424
Driving with expired registration	$2564	$436
Failure to stop at a red light	$2592	$432
Improper passing	$2592	$441
Speeding 16 - 20 MPH over limit	$2880	$480
Open container	$3394	$578
Driving with a suspended license	$3802	$634
Racing	$4902	$833
Reckless driving	$5328	$888
Leaving scene of an accident/hit and run	$5463	$929
DUI	$5635	$939

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Sterling Heights after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Sterling Heights.

The cheapest car insurance premiums in Sterling Heights are offered by Chubb at $461 for a six-month policy. However, it can be as expensive as $14229 with companies like Allstate.

Sterling Heights car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$461	$76
Auto-Owners Insurance Co	$1219	$207
Grange	$1228	$205
Progressive	$1309	$220
Pioneer State Mutual Ins Co	$1480	$246
USAA	$1598	$269
Travelers	$1815	$302
Auto-Owners	$2745	$462
Westfield	$2988	$503
AAA	$3087	$520
Bristol West	$4226	$704
Farmers	$4334	$730
Farm Bureau	$5128	$854
State Farm	$6455	$1087
Allstate	$14229	$2371

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Sterling Heights are offered by Westfield at $397. However, it can be as expensive as $17959 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Sterling Heights after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$397	$67
Chubb	$461	$76
Encompass	$488	$84
Travelers	$596	$99
Auto-Owners Insurance Co	$632	$108
Farm Bureau Ins of MI	$903	$150
USAA	$939	$160
Grange	$958	$160
Auto-Owners	$1318	$223
Progressive	$1932	$325
AAA	$1959	$333
Farm Bureau	$1968	$328
Allstate	$3566	$606
State Farm	$5986	$997
Farmers	$17959	$3054

Car Insurance Price Trends in Sterling Heights, Michigan

Car insurance rates in Sterling Heights have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Sterling Heights dipped by $407 in December compared to $418 of November. In other words, there has been an decrease by $11 when you compare December and November.

The average cost of liability insurance in the Sterling Heights rose to $135 in December, compared to $125 in November. This represents an increase of $10 when comparing December and November.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Average Car Insurance Cost in Sterling Heights by ZIP Code

The crime rate, the number of accidents, and the probability of natural calamities all determine the car insurance rates in different neighborhoods in the Sterling Heights. At $2102 for a six-month policy, insuring your car at 48314 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
48314	$2102	$353
48313	$2285	$383
48312	$2303	$386
48310	$2413	$405

Frequently Asked Questions

How much is car insurance in Sterling Heights?

The car insurance in Sterling Heights is $53 per month, which is lower than the national average.

What is the cheapest car insurance in Sterling Heights?

The cheapest car insurance in Sterling Heights is $126 per month for full coverage.

How much is car insurance in Sterling Heights for teenagers?

Car insurance for teenagers costs $371 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Sterling Heights?

The average cost of car insurance is $1203 for a six-month policy. It will cost around $307 per month to insure your car in Sterling Heights.

Is car insurance expensive in Sterling Heights?

Car insurance can be expensive in Sterling Heights if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Sterling Heights can be affordable.

Cheapest Car Insurance Quotes in Sterling Heights

Why you can trust Way?

How Much Is Car Insurance in Sterling Heights

Avg. Car Insurance in Sterling Heights

Avg. Car Insurance in Michigan

National Average

Cheapest Car Insurance Companies in Sterling Heights

1st place: Travelers

2nd place: USAA

3rd place: Encompass

Sterling Heights Car Insurance Rates by Company

Cheap Car Insurance Companies in Sterling Heights, MI

Way's key takeaways about car insurance in Sterling Heights

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Sterling Heights

Cheapest Liability Coverage in Sterling Heights, MI

Cheapest Full Coverage Car Insurance in Sterling Heights

Cheapest Full Coverage Car Insurance Quotes in Sterling Heights, MI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Sterling Heights by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Sterling Heights, MI increasing?

Car Insurance Premiums by Age in Sterling Heights

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Sterling Heights,MI

If you are in your twenties Chubb is the best choice for car insurance in Sterling Heights.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Sterling Heights

Cheapest Car Insurance Companies after an At-Fault Accident in Sterling Heights

Sterling Heights Car Insurance Rates by Violation

Sterling Heights auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Sterling Heights after a DUI

Sterling Heights car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Sterling Heights after Speeding ticket

Car Insurance Price Trends in Sterling Heights, Michigan

Average Car Insurance Cost in Sterling Heights by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Sterling Heights, MI

Car Insurance Rates by State in the USA (2025 Update)

Featured Blogs

Data Sources