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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 Average | National Average |
| $4,109 | $3,096 | $1,548 |
Jump to:
- Company
- Age group
- Gender and marital status
- Driving history
- Credit score
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 Company | Average 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
| Age | Average 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/Gender | Average 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/Incident | Average 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 Level | Average 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.
About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.
