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 Average||National Average|
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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 unique driving profile.
STERLING HEIGHTS AUTO INSURANCE RATES BY COMPANY
|Insurance Company||Average Yearly Rate|
Sterling Heights car insurance premiums by age
The age group that pays the least for car insurance in Sterling Heights are drivers in their age_50s ($3,889per year). Those in their age_60s don't pay significantly more ($3,970).
Teenage drivers pay Sterling Heights's 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
|Age||Average Annual Rate|
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/Gender||Average Annual Rate|
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/Incident||Average Yearly Rate|
|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|
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 Level||Average Rate (annual)|