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Best cheap car insurance in Sterling Heights

Tree lined road in Michigan's upper peninsula
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Tree lined road in Michigan's upper peninsula
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The 2021 average annual cost of car insurance in Sterling Heights, Michigan, for full coverage is $2,935, or $245 monthly, and $1,317 per year for minimum coverage insurance. Finding cheap rates in Sterling Heights is important to many drivers since rates in this city are well above the national average. The cheapest car insurance company in Sterling Heights is USAA, according to Bankrate’s 2021 study of quoted annual premiums.

Finding cheap rates may be the highest priority on your list for finding the best car insurance companies in Sterling Heights, but many insurance agents recommend purchasing more than the bare minimum coverage. You will receive greater financial protection and may even save in the long run if you purchase a policy that offers a greater depth of coverage.

Best cheap car insurance companies in Sterling Heights

USAA, Travelers, Geico, Progressive and Auto-Owners offer the cheapest car insurance rates in Sterling Heights, according to our review of annual premium data. The cheapest rates in Sterling Heights, Michigan, were examined, as well as factors relating to the insurers’ historical ability to payout claims, customer service satisfaction scores from J.D. Power and digital assets. Bankrate Scores reflect these attributes, with the highest possible score being five points. The cheapest insurer may not be the best car insurance company in Michigan for Sterling Heights drivers, so this quick comparison tool may help.

Insurance company Bankrate Score J.D. Power score (North Central region) Average annual premium for full coverage Average annual premium for minimum coverage
USAA* 5.0 895/1,000 $1,354 $537
Travelers 4.7 825/1,000 $1,784 $124
Geico 4.7 837/1,000 $1,865 $1,035
Progressive 4.4 842/1,000 $1,886 $1,054
Auto-Owners 4.5 842/1,000 $2,379 $998

*USAA is not officially ranked due to eligibility restrictions

USAA

USAA is the cheapest provider for full coverage car insurance in Sterling Heights among our list of providers in this review. Current military members, veterans or their eligible immediate family members may receive the cheapest rates with USAA, along with unique coverage options tailored to the needs of the military lifestyle. The membership requirements limit the number of people who have access to USAA coverage, but those who qualify may benefit from its exceptional customer service and financial strength, as determined by third-party rating agencies.

Learn more: USAA Insurance review

Travelers

We found Travelers offers the cheapest rates for minimum coverage among Sterling Heights companies. It also offers a wide array of insurance coverage options, ranging from roadside assistance and rental car coverage to accident forgiveness and rideshare coverage. These options may give you the ability to personalize a policy to fit your exact needs. While Travelers’ average full coverage rates are not the cheapest, the company offers several discounts such as multi-policy and homeownership that may help keep higher amounts of coverage more affordable.

Learn more: Travelers Insurance review 

Geico

Geico does not have the cheapest rates among the carriers listed, nor does it score the highest with J.D. Power. However, Geico does offer a variety of discounts and savings opportunities to help bring down the cost of coverage, including the DriveEasy app, which allows you to earn additional discounts based on your safe driving patterns. Geico also offers a highly-rated mobile app for you to manage almost any insurance task directly from your smartphone, including submitting claims and paying premiums.

Learn more: Geico Insurance review 

Progressive

Progressive offers abundant ways to save on premiums, although it has one of the highest rates among our list of cheapest car insurance companies. That said, its rates are still far more affordable than the average for Sterling Heights. In addition, Progressive earns an A+ (Superior) rating for financial strength with AM Best and scores above the industry average with J.D. Power. Although it offers fewer coverage choices versus some insurance providers, you can still find full and minimal coverage to meet most of your driving needs.

Learn more: Progressive Insurance review

Auto-Owners

Auto-Owners, headquartered in Michigan, offers cheap average rates and scores above-average for the industry in the North Central region of the J.D. Power Auto Insurance Study. Auto-Owners also earns an A++ (Superior) rating from AM Best, the highest rating for financial strength. One potential drawback for Auto-Owners’ mobile-friendliness is the inability to submit a claim via the app. Instead, you must handle claims over the phone or via direct communication with your agent.

Learn more: Auto-Owners Insurance review

How to get and keep the cheapest car insurance in Sterling Heights

These tips may be useful to keep in mind as you are searching for the cheapest car insurance companies to maintain your affordable rates.

  • Shop multiple insurance providers. Comparing insurance providers is key to finding one that offers the cheapest rates based on your exact circumstances. Rates differ from one carrier to another, which gives you the advantage of seeing the lowest costs when comparing quotes.
  • Adjust coverage as your vehicle ages. Your vehicle will depreciate in value over time. You may also finish paying off your auto loan, in which case, it may be time to adjust your coverage so you are not overpaying. You might decide both comprehensive and collision coverage are no longer worth the added cost, for example, if your vehicle is close to 10 years old.

Frequently asked questions

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Bankrate Score

Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. We know it is important for drivers to be confident their financial protection covers the likeliest risks, is priced competitively and is provided by a financially-sound company with a history of positive customer support.

To determine how well the best car insurance companies satisfy these priorities, third-party agency ratings from J.D. Power, AM Best, S&P, NAIC, and Moodys had the most impact on the companies’ Bankrate Scores. As price is a common consideration for drivers, we analyzed quoted premiums based on 40-year-old male and female drivers with a 2019 Toyota Camry. This profile, assessed across more than 35,000 ZIP codes in the U.S., provided a basis on which drivers may compare each provider.

While coverage options, insurer availability, affordability and customer experience are often the top priorities, Bankrate also analyzed each insurer’s online and mobile resources for policy management and claims handling. Insurance is rapidly evolving to keep pace with our digital world, so these aspects also carried weight in determining Bankrate Scores.

Written by
Sara Coleman
Former Insurance Contributor
Sara Coleman is a former insurance contributor at Bankrate. She has a couple of years of experience in writing for insurance domains such as The Simple Dollar, Reviews.com, Coverage.com and numerous other personal finance sites. She writes about insurance products such as auto, homeowners, renters and disability.
Edited by
Insurance Editor