Sterling Heights Car Insurance

The Zebra
May 30, 2018

Car Insurance in Sterling Heights

On average, Sterling Heights premiums are 22% greater than the state average, so if you are insuring a vehicle in Sterling Heights, understanding premium costs is crucial. Why don't we get started on how to save on car insurance in Sterling Heights?

  • City Average: $3,187
  • State Average: $2,610
  • National Average: $1,427

Sterling Heights Car Insurance by Gender and Marital Status

Car insurance premiums in Sterling Heights vary based on driver traits such as gender and marital status. Males have premiums that are nearly 3% cheaper than those for females. Single individuals spend approximately $40 more per year compared to those who are married. In contrast, divorced and widowed individuals pay the same as drivers who are single.

  • Female: $3,298
  • Male: $3,187
  • Single: $3,187
  • Married: $3,148
  • Divorced: $3,187
  • Widowed: $3,187

Sterling Heights Car Insurance by Accident or Violation History

Accidents and violations on your driving record can cost you in terms of car insurance rates. A DUI will increase your car insurance premiums more than other driving violations. Generally, a DUI in Sterling Heights will cost you 199% more in car insurance premiums versus the city average ($3,187). Reckless driving will also bump your rates up, with average rates of $9,210. That is 189% higher than the city average! If you are found at-fault in an accident in Sterling Heights, expect your yearly car insurance payments to rise by 54%.

  • DUI: $9,535
  • Reckless Driving: $9,210
  • At-fault Accident (damages less than $1000): $4,914
  • At-fault Accident (damages greater than $2000): $4,914
  • Speeding Ticket (16-20 mph over speed limit): $5,441

Sterling Heights Car Insurance by Age

Looking across all age groups, drivers in their 50s tend to have the smallest insurance rates. Their rates normally average $2,963/year. However, those in their 60s ($3,041) also have relatively low premiums. The greatest decline in premiums for Sterling Heights drivers happens when they reach their 20s. Once out of the teenage age bracket, people reduce their premiums by $6,281. Turning 60 causes an increase in car insurance premiums, but up until that point drivers can expect premium reductions when they move from one age group to the next. Teenage drivers have the largest premiums amongst all the age groups. They have car insurance payments that average $10,378.

  • Teenagers: $10,378
  • 20s: $4,097
  • 30s: $3,203
  • 40s: $3,163
  • 50s: $2,963
  • 60s: $3,041
  • 70s: $3,580

Sterling Heights Car Insurance by Credit Rating

There is a discrepancy of $5,896 a year between car insurance premiums for those with Very Poor credit (300-579) and Exceptional credit (800-850). Drivers will see the biggest reduction in premiums when they upgrade their credit from Very Poor (300-579) to Fair (580-669). That change can save them $2,416 per year.

  • Very Poor: $8,533
  • Fair: $6,117
  • Good: $4,687
  • Very Good: $3,484
  • Exceptional: $2,637

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