Cheap Auto Insurance Quotes in Sterling Heights, MI (January 2022)

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Car Insurance in Sterling Heights, MI

People living in Sterling Heights and in other cities across Michigan are required to have car insurance to be legal and safe drivers on the road. Because the average cost of car insurance in Michigan is more expensive than the national average, it’s important for Sterling Heights drivers to know how and where to find the cheapest possible car insurance rates.

Buying insurance in Michigan doesn’t have to break the bank. With Insurify, you can compare car insurance quotes from multiple providers online without ever having to talk to an insurance agent. Use Insurify and get the best and cheapest auto insurance for you today. It’s completely free to use and only takes a few minutes!

Auto insurance rates aren’t just determined by what coverage you choose, though you will pay more for full-coverage insurance than you will for liability coverage. Insurance coverage costs are dependent on your location and will vary from city to city in Michigan. Below are the average car insurance rates for Michigan cities. See how Sterling Heights compares:

$491
$498
$504
Midvale Home & AutoArrowheadLiberty Mutual

Cheapest Car Insurance in Sterling Heights, MI

Some car insurance providers are able to offer cheaper car insurance coverage than others. That’s because every insurance provider weighs information like your age, driving record and credit score a little differently. While the following car insurance companies offer the cheapest rates on average, get a free quote from Insurify to estimate your individual rate.

Best Car Insurance in Sterling Heights, MI

While it may be tempting to choose the car insurance policy with the cheapest premium and the highest deductible, it’s also important to choose a company that can reliably pay claims and offer good customer service. We evaluated a range of financial strength and customer satisfaction indicators to find the best car insurance companies in Michigan.

Average Car Insurance Cost

$455
$520
$241
$338
$678
$498
MichiganDetroitGrand RapidsWarrenAnn ArborSterling Heights
Click here to learn about car insurance quotes and save on your current policy.

Sterling Heights, MI Driving Facts

michigan

Minimum Car Insurance Requirements in MI

Michigan has more complex insurance laws, centered around a no-fault car insurance policy mandate, that are designed to cover injuries and damages caused in an accident regardless of fault. Michigan car insurance companies also offer three types of collision car insurance: limited, standard, and broad form.

Sterling Heights Car Insurance Rates by Driver Age

One of the first factors car insurance companies look at when determining your rates is your age. That’s because younger drivers are less experienced on the road and more likely to get into car accidents. For example, a 50 year-old driver will almost always pay less than a 25 year-old driver. Here’s what you can expect to pay based on your age group in Michigan.

Sterling Heights Car Insurance Rates by Driving and Accident History

Insurance companies view drivers with infractions on their driving records as a greater risk to insure. That’s why you’ll pay more for car insurance if you have speeding tickets, DUIs, or accidents in your driving history. Here’s what drivers with these issues pay on average for car insurance when compared to drivers with a clean driving record in Michigan.

Sterling Heights Car Insurance Rates by Credit Tier

About 95 percent of insurers use your credit score when determining your rate. That’s because research shows that people with low scores account for a higher percentage of paid claims. Drivers with better credit see lower car insurance rates than drivers with bad credit. Here’s what you can expect to pay for car insurance in Sterling Heights, MI, based on your credit score:

Sterling Heights DMV Information

The Sterling Heights Secretary of State Branch Office provides DMV services such as drivers license issuing and renewal, vehicle registration, vehicle titles, and more. While walk-ins are welcome, it’s suggested that you make an appointment to ensure you don’t face long wait times. The Sterling Heights DMV is located at:
7917 19 Mile Rd
Sterling Heights, MI 48314
(888) 767-6424

Public Transportation in Sterling Heights

Most Sterling Heights residents use their cars to commute and public transportation options in Sterling Heights are few and far between. But the Sterling Heights Minibus Service offers curb to curb rides for residents over 55 who are unable to drive and for residents with disabilities.

If you don’t have access to your own personal vehicle, you can hop in an Uber, a Lyft, or a Taxi to get around Sterling Heights.

How to Get the Cheapest Car Insurance in Sterling Heights

The easiest way to get the best and cheapest car insurance in Sterling Heights is to compare customized car insurance quotes from multiple providers. Rather than getting quotes from an insurance agency, you can save time by using Insurify to find the right policy for you and to find the most competitive rates in your area.

You’ll just need to answer a few questions about your vehicle and driving history to get started. From there, you can view quotes from national providers such as Nationwide and Progressive and from local insurance companies in one spot. You can also use Insurify to shop for home insurance and life insurance.

Find local Sterling Heights agents

First Independent Descamps Insurance Agency 
14500 Lakeside Circle, Sterling Heights, MI 48313
Sterling Insurance Group, Inc 
13900 Lakeside Circle, Sterling Heights, MI 48313
ISU-Great Northern Insurance Agency 
39850 Van Dyke Ave, Sterling Heights, MI 48313-4628
Beyond Insurance Group LLC 
38219 Mound Rd, Sterling Heights, MI 48310-3466
Spindler Insurance Agency Inc 
39047 Helena Ave, Sterling Heights, MI 48313-5515
The Salvati Insurance Group, Inc. 
42370 Van Dyke Ave, Sterling Heights, MI 48314-3487
Primary Insurance Agency Group LLC 
2071 15 Mile Rd, Sterling Heights, MI 48310-4804
Millennium Insurance-Sterling Heights, MI
43807 Van Dyke Ave, Sterling Heights, MI 48314
Sterling Insurance Group
13900 Lakeside Cir, Sterling Heights, MI 48313
Envision Insurance Agency
38221 Mound Rd Building G, Sterling Heights, MI 48310

Insurify Insights: How Sterling Heights Drivers Measure Up

chevrolet
Chevrolet Equinox
Most Popular Car in
Sterling Heights, MI
suspended licenses
#29
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Sterling Heights drivers measure up to their fellow Michigan motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents in Sterling Heights

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Sterling Heights drivers rank 22 in the number of car accidents per driver across all cities in Michigan.

  • Rank within state: #22
  • Percent of drivers in Sterling Heights with an accident: 5.34%
  • Drivers in Sterling Heights, MI with an accident in their driving history paid on average 27.59% more than drivers with a clean record

Speeding in Sterling Heights

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Michigan, Sterling Heights drivers rank 27 in the number of speeding infractions per driver.

  • Rank within state: #27
  • Percent of drivers in Sterling Heights with a speeding ticket: 6.15%
  • Drivers in Sterling Heights, MI with a speeding ticket in their driving history paid on average 25.17% more than drivers with a clean record

DUI/DWIs in Sterling Heights

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Sterling Heights drivers rank 36 in the number of DUI’s per driver across all cities in Michigan.

  • Rank within state: #36
  • Percent of drivers in Sterling Heights with a DUI: 0.81%
  • Drivers in Sterling Heights, MI with a DUI in their driving history paid on average --% more than drivers with a clean record

Most Popular Vehicle in Sterling Heights

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Sterling Heights is the Chevrolet Equinox.

Rude in Sterling Heights

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Michigan, Sterling Heights drivers rank 4 in rude driving infractions.

  • Rank within state: #4
  • Percent of drivers in Sterling Heights with a reckless driving violation: 2.1%
  • Drivers in Sterling Heights, MI with a reckless driving violation in their driving history paid on average --% more than drivers with a clean record.

Safest Drivers in Sterling Heights

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Sterling Heights drivers rank 5 in clean driving records across all cities in Michigan.

  • Rank within state: #5
  • Percent of drivers in Sterling Heights with clean record: 88.19%

Failure to Yield the Right of Way in Sterling Heights

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Sterling Heights drivers rank 7 in failure to yield violations per driver across all cities in Michigan.

  • Rank within state: #7
  • Percent of drivers in Sterling Heights with a failure to yield violation: 0.49%
  • Drivers in Sterling Heights, MI with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record

Reckless Drivers in Sterling Heights

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Michigan, Sterling Heights drivers rank 15 in the number of reckless driving offenses per driver.

  • Rank within state: #15
  • Percent of drivers in Sterling Heights with a reckless driving offense: --%

Hybrid/Electric Vehicle Ownership in Sterling Heights

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Sterling Heights drivers rank 15 in hybrid and electric vehicle ownership across all cities in Michigan.

  • Rank within state: #15
  • Percent of drivers in Sterling Heights with a hybrid/electric vehicle: 0.86%

FAQs - Sterling Heights, MI Car Insurance

How do I find cheap car insurance in Sterling Heights, MI?

You can use Insurify to identify the car insurance companies that can offer you the cheapest premiums in Sterling Heights. You’ll just need to enter your information once, instead of going to multiple providers’ websites for quotes. The average Insurify user saves $585 per year just by switching to a cheaper provider they found on the platform.

How much does car insurance cost in Sterling Heights, MI?

The average cost of car insurance in Sterling Heights is $339 per month, or $4,068 per year, but it’s important to note that your insurance premiums are dependent on factors such as your age, your driving history, and your credit score. That’s why it’s important to compare quotes from multiple providers in order to find your personal best rate.

What drives up car insurance rates in Sterling Heights, MI?

High required coverage limits is one of the reasons why car insurance is so expensive in Michigan. Another reason Michiganders see higher rates than the national average is because Michigan has a high percentage of uninsured motorists. Other aspects of your driving history like DUIs or accidents will also drive up your insurance rates in Sterling Heights.

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.


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