Sterling Heights, MI Car Insurance

The average cost of car insurance in Sterling Heights is $342 per month. Compare rates and save if you're paying too much.

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How much is auto insurance in Sterling Heights?

 

Auto insurance costs an average of $4,109 per year in Sterling Heights. That's more than the statewide average in Michigan ($3,096) and more expensive than the national average of $1,548. Our guide to Sterling Heights car insurance includes average rates based on age, credit score, driving history, and marital status. Keep reading to learn more!

 
STERLING HEIGHTS CAR INSURANCE RATES
Sterling Heights Average (annual)Michigan AverageNational Average
$4,109$3,096$1,548
 
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Sterling Heights auto insurance premiums by company

 

One of the most important determinants of your car insurance rates is the insurance company you work with. In Sterling Heights, AAA offers the cheapest premiums for the typical insurance buyer. Reference below the top options for affordable insurance in Sterling Heights. Don't forget to get car insurance quotes based on your personal driving profile.

 
STERLING HEIGHTS AUTO INSURANCE RATES BY COMPANY
Insurance CompanyAverage Yearly Rate
AAA$2,838
Progressive$2,992
State Farm$3,630
Hanover$6,730
Allstate$8,017
 

Read our guide to find out how to get the best cheap auto insurance.

 

Sterling Heights car insurance premiums by age

The age group that pays the least for car insurance in Sterling Heights are drivers in their 50s ($3,889 per year). Those in their 60s don't pay significantly more ($3,970).

Teenage drivers pay Sterling Heights' most expensive insurance rates. When drivers hit their 20s in Sterling Heights and move out of the teenage age bracket, they reduce their premiums substantially. In Sterling Heights, teenage drivers pay $12,149 — a full $8,179 more than the second-most expensive rate paid by an age group.

 
STERLING HEIGHTS AUTO INSURANCE PREMIUMS BY DRIVER AGE
AgeAverage Annual Rate
Teenagers$12,149
20s$5,088
30s$4,114
40s$4,100
50s$3,889
60s$3,970
70s$4,671
 

Learn more about the impact of age on auto insurance rates.

 

Sterling Heights car insurance premiums by gender and marital status

 

In some cases, a driver's marital status and gender may affect the auto insurance rates they pay. In most locations in the US, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Sterling Heights pay $39 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. One interesting fact about Sterling Heights auto insurance rates: single drivers pay less than do those who have been widowed.

Gender is another factor that can impact auto insurance costs. In Sterling Heights, female drivers pay $124 per year more than do male drivers for car insurance.

 
STERLING HEIGHTS CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
Marital Status/GenderAverage Annual Rate
Female$4,233
Male$4,109
Single$4,070
Married$4,070
Divorced$4,109
Widowed$4,109
 

Learn more about the interplay of marital status and auto insurance rates.

 

Sterling Heights auto insurance premiums by incident history

 

No matter where you live, steering clear of accidents and citations is the best way to keep your auto insurance rates low. Speeding citations, reckless driving charges, DUIs and DWIs, and at-fault accidents all tend to bring about rate increases.

Sterling Heights drivers found guilty of reckless driving pay the price when it comes to auto insurance, facing a rate increase of $9,395 per year versus the city average. A ticket for speeding results in a $2,893 rate hike, on average, while a DUI violation costs $9,084per year in insurance premiums.

 
STERLING HEIGHTS CAR INSURANCE RATES AFTER A COLLISION OR CITATION
Violation/IncidentAverage Yearly Rate
DUI/DWI$13,194
Reckless Driving$13,504
At-fault Accident (damages < $1,000)$6,189
At-fault Accident (damages greater than $2,000)$6,752
Speeding Ticket (16-20 mph over speed limit)$7,003
 

Learn more about how citations can raise your auto insurance rates.

 

Sterling Heights auto insurance rates by credit level

 

It's no secret credit score is closely correlated with auto insurance rates. In fact, Sterling Heights drivers who improve their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn, on average, an 80% decrease in their auto insurance costs. If you move from the "Very Poor" credit tier to the "Fair" credit tier, you could be in line for an auto insurance price adjustment. In Sterling Heights, moving into the "Fair" credit tier corresponds to an average of $8,085 in savings on insurance each year.

 
STERLING HEIGHTS AUTO INSURANCE RATES BY CREDIT LEVEL
Credit LevelAverage Rate (annual)
Very Poor$13,537
Fair$5,451
Good$4,109
Very Good$3,346
Exceptional$2,713
 

Learn more about the relationship between poor credit and car insurance.

Find an affordable policy online today.

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Ava Lynch LinkedIn

Ava worked in the insurance industry as an agent for four-plus years. Currently providing insights and analysis as one of The Zebra’s resident property insurance experts, Ava has been featured in publications such as U.S. News & World Report, GasBuddy, and Yahoo! Finance.