Best cheap car insurance in Sterling Heights

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An overwhelming majority, 86.7% of Sterling Heights’ workforce, drives alone on their average commute between home and work of 25 minutes. Of the city’s 132,000 residents, the average driver will pay $1,317 per year for liability coverage and $2,935 per year for full coverage on their car insurance.

Just under half of households in Sterling Heights own at least two cars, which can be expensive to insure if you do not know where to find the best cheap car insurance in Michigan. However, Bankrate found the best car insurance companies in the city and the ones with the cheapest rates by comparing quotes, coverage and third-party ratings.

Best car insurance companies in Sterling Heights

We chose the top five best car insurance companies in Sterling Heights by assessing J.D. Power customer satisfaction in the region and market share for auto insurance in Michigan. Coverage options, discounts and each company’s financial strength — which proves its ability to pay out claims — were also considered.

Insurance company J.D. Power score
(North Central)
Average annual premium for minimum coverage Average annual premium for full coverage
Allstate 830 / 1000 $1,670 $3,293
Auto-Owners 845 / 1000 $998 $2,379
Geico 851 / 1000 $1,035 $1,865
Grange 832 / 1000 $2,324 $3,001
Westfield 836 / 1000 $165 $2,146

Allstate

Allstate is a full-service insurance company offering multiple policy types, coverage options and discounts for Sterling Heights residents. The company holds 7.7% of the market share in Michigan as the fifth-largest auto insurer in the state. It also has superior financial strength, as rated by AM Best, indicating its ability to make timely claim payments.

In the North Central region, Allstate scored an average of 830 points in customer satisfaction on the 2020 J.D. Power Auto Insurance Study. As for customer claims satisfaction, Allstate scores above average with 876 points and two points below average with 858 points on purchase experience for large insurers in the Insurance Shopping Study.

Auto-Owners

It is no surprise that a car insurance company headquartered in Michigan may be considered one of the best for people living in Sterling Heights. Auto-Owners is the fourth-largest insurer in Michigan, with 10.7% of the market share. Like Allstate, Auto-Owners has excellent financial strength as well as a negligible NAIC complaint index compared to the national average.

Auto-Owners is highly regarded in the North Central region with 845 points and also on purchase experience for mid-size insurers, scoring 869 points. For overall auto claims satisfaction, Auto-Owners again comes out on top with 890 points in third place nationally.

Geico

Though Geico generally maintains its position within the top 10 companies for market share in many states, Michigan is not one of them. However, Geico happens to have the cheapest average rates for full coverage car insurance on our list of best insurance companies, offering several options for discounts to keep rates low.

Geico received the highest rank in the North Central region with 851 points and earned 867 points for purchase experience as a large insurer. Nationally, Geico scores one point below average for auto claims satisfaction with 871 points. Geico also has superior financial strength so even with a hefty accident, policyholders can feel more confident knowing claim payouts are likely to be made on time.

Grange

Grange is a smaller insurer offering auto, home and life insurance in just 13 states through independent agents. Though Grange is not included in the top 10 insurers in Michigan for market share, its North Central rank is above average in customer satisfaction with 832 points.

As a small insurer, Grange did not make the ranking for purchase experience on the 2020 J.D. Power Insurance Shopping Study or the national Auto Claims Satisfaction Study. However, Grange makes our “best of” list because of its A- (Excellent) financial strength rating from AM Best, A+ BBB rating and 4.4-star average review rating on the BBB website.

Westfield

As with Grange, just because an auto insurer is small, it does not mean it cannot qualify as one of the best. Westfield insurance offers personal car and home insurance in just 10 states, therefore excluding its rank from top Michigan auto insurers by market share. However, its limited state availability does not translate to its customer satisfaction ratings in the North Central region, in which Westfield earned 836 points.

Similar to Grange, Westfield did not make the other two 2020 J.D. Power studies for claims satisfaction and insurance shopping, but it also succeeds as a great insurer because of its well below-average NAIC complaint index and A (Excellent) financial strength rating. Westfield also has the best rate for liability coverage by far compared to the other best car insurance companies on our list.

Cheapest car insurance in Sterling Heights

Compared to the average cost of car insurance in Michigan and the U.S., Sterling Heights’ rates are higher. The average American driver pays $1,674 per year for full coverage and $565 per year for minimum. In Michigan, the average annual rate for liability coverage is $948 compared to Sterling Heights’ at $1,317. Similarly, Michigan’s average annual full coverage rate is $2,309 compared to Sterling Heights’ $2,935.

To find the cheapest car insurance quotes, we reviewed rates from the most popular carriers in Sterling Heights, Michigan based on market share. The table below shows the cheapest annual premiums for car insurance from top auto insurers in the city.

Insurance company Average annual premium for minimum coverage Average annual premium for full coverage
Travelers $124 $1,784
USAA $537 $1,354
MetLife $618 $1,732
Auto-Owners $998 $2,379
Geico $1,035 $1,865

Of the cheapest auto providers above, USAA offers the cheapest rates on average for both full and minimum coverage. However, since its coverage is only available to active-duty military members, veterans and their family members, Travelers would be the next best bet for affordable full coverage. Additionally, all of the companies listed have provider-specific safe-driving apps for drivers to earn back even more on their premiums.

Sterling Heights insurance requirements

Most states in the U.S. require a certain minimum amount of car insurance liability coverage and so does Michigan. As Michigan is also recently a no-fault state, its minimum coverage requirement options for PIP are as follows:

  • Unlimited medical coverage
  • Up to $500,000 per person in medical coverage
  • Up to $250,000 per person in medical coverage
  • Up to $50,000 per person (if enrolled in Medicaid)
  • PIP opt-out

Michigan’s residual bodily injury and property damage (BI/PD) requirements are:

  • $50,000 per person in bodily injury
  • $100,00 per accident in bodily injury
  • $10,000 in property damage that occurs out-of-state

Though residents only have to meet these minimums, most people living in Sterling Heights can benefit from having higher limits for greater financial protection. If you own a car with a loan or lease, or if it has a high book value, full coverage is generally either required or strongly recommended. Coverages like comprehensive and collision will help pay to repair or replace the car if it is involved in an accident so you do not have to self-insure.

Car insurance discounts in Sterling Heights

Even with higher-than-average car insurance rates, Sterling Heights citizens are able to take advantage of discounts to reduce their monthly or annual premiums. These discounts can save you considerable amounts on your insurance costs:

  • Anti-theft systems: For people with full coverage, having anti-theft devices like car alarms, theft-recovery systems, VIN-etched windows and other anti-theft measures may earn a discount on their premiums.
  • Good driver: It could pay to be a good driver in Sterling Heights. If you have a clean driving record without at-fault accidents or tickets on your recent history (varies by company), you could be eligible for this discount.
  • Safety features: Having daytime running lights, anti-lock brakes, multiple airbags and other safety features could increase the amount of discounts you get on your car insurance.
  • Usage-based: Why pay more if your car is not being used? If you do not drive very much, you may be eligible for usage-based discounts, which monitor your driving and track your miles.

Several discounts are usually able to be applied based on your qualifications, but discounts for good drivers and low mileage may be a good place to start if you know you likely fit into these categories.

Frequently asked questions

What is the best car insurance company?

The best car insurance company will have the coverages you need and discounts you are eligible for to keep rates cheap and affordable. Each household has their own specific requirements for car insurance so the best car insurance company will vary.

How much does car insurance in Sterling Heights cost?

The average annual premium for liability car insurance in Sterling Heights is $1,317 and for full coverage, $2,935. How much you will pay is determined by your driving record, age, type of car and coverage needed.

How much car insurance do I need in Sterling Heights?

Some people will only want the minimum coverage required, while most other Sterling Heights residents will opt for more to protect their budgets in the event of a claim. Working with an insurance agent in Sterling Heights can help you determine how much coverage you need.

Who has the cheapest car insurance in Sterling Heights, Michigan?

Companies will have different rates for full and minimum coverage based on location, market share and your personal information. You may find another company has the cheapest car insurance for your household after you submit for a quote. Getting multiple quotes from different car insurance companies could help you find your best cheapest car insurance rate.

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 coverages that meet 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.