For a 40-year-old driver with a clean record, Sterling Heights car insurance averages about $428 a month ($5,133 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 21% above the Michigan average of $354 a month. Of the insurers anyone can buy from, GEICO has the lowest full-coverage average in our Sterling Heights table, at about $161 a month.
Sterling Heights, Michigan’s fourth-largest city, costs more to insure than the state average but less than neighboring Warren: our benchmark driver pays about $74 a month more than the Michigan average and about $35 less than in Warren.
Our data covers four Sterling Heights ZIP codes, and 48310, on the city’s south side, costs the most.
Cost data comes from the auto rates insurers file with state regulators, priced across all four Sterling Heights ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
Full coverage in Sterling Heights averages $5,133 a year, or about $428 a month, for our benchmark driver. Liability-only coverage at 20/40/10 limits averages $1,620 a year ($135 a month), and 50/100/50 liability with comprehensive and collision averages $4,957 ($413 a month).
Hanover is far more expensive than the other insurers here: its full-coverage average of about $830 a month is 2.5 times the average of the other four. We keep it in our averages because it’s a rate the insurer filed with state regulators; without Hanover, the Sterling Heights average would be about $327 a month.
The published 2026 statewide Michigan rate studies we reviewed most often rank GEICO cheapest for full coverage: four of the seven put it first, apart from USAA, which sells only to military families. One puts Progressive first, one Travelers and one Auto-Owners. For liability-only coverage at 20/40/10 limits, averages among these five insurers run from about $80 to $213 a month; the lowest is far enough below the rest that we don’t name a cheapest insurer for that coverage level.
Full-coverage averages by insurer in Sterling Heights
Monthly, for the same driver and car. The AAA Auto Club row in the table isn’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Liability Only 20/40/10 (Yearly): | Liability Only 20/40/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Progressive | $1,561 | $130 | $2,296 | $191 |
| Auto-Owners | $954 | $80 | $3,219 | $268 |
| State Farm | $2,553 | $213 | $4,797 | $400 |
| Farm Bureau Insurance of Michigan | $1,516 | $126 | $5,393 | $449 |
| Hanover | $1,517 | $126 | $9,960 | $830 |
| AAA Auto Club (Nov. 2025 rates)* | $3,805 | $317 | $5,797 | $483 |
| USAA (military families)* | $672 | $56 | $1,772 | $148 |
| GEICO* | $1,029 | $86 | $1,935 | $161 |
| Travelers* | $757 | $63 | $2,358 | $197 |
| Sterling Heights average | $1,620 | $135 | $5,133 | $428 |
This table uses Sterling Heights ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare free car insurance quotes before you buy.
Across the four Sterling Heights ZIP codes we price, full coverage for our driver ranges from about $408 a month in 48313 to $449 in 48310, a gap of $501 a year.
Lowest-priced Sterling Heights ZIP codes
Highest-priced Sterling Heights ZIP code
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Sterling Heights’ average.
| ZIP Code: | Liability Only 20/40/10 (Yearly): | Liability Only 20/40/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 48310 | $1,796 | $150 | $5,393 | $449 | +5% |
| 48312 | $1,590 | $133 | $5,155 | $430 | About average |
| 48313 | $1,504 | $125 | $4,892 | $408 | -5% |
| 48314 | $1,590 | $133 | $5,091 | $424 | -1% |
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds about $176 a year on average in our Sterling Heights data, with the same $500 deductibles. That’s about $15 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300. Auto-Owners charges less for 100/300/100 than for 50/100/50 for our benchmark driver.
Not for our benchmark driver. Comparing the four insurers that are in both sets of rates, in the same Sterling Heights ZIP codes, their full-coverage average fell from $5,823 a year nine months earlier to $5,068 in rates as of Aug. 31, 2026, a 13.0% drop. Hanover cut its Sterling Heights average 21.4%, State Farm 5.7% and Auto-Owners 0.9%, while Progressive’s average was about unchanged. Leaving Hanover out, the other three insurers in both sets of rates averaged 2.9% less for full coverage. Farm Bureau is new in our rates over the past nine months, so it’s left out, which is why these averages differ from the Sterling Heights average above. AAA Auto Club’s latest rates are from November 2025, so it’s left out of this comparison. Liability-only coverage at 20/40/10 limits fell 9.3%, led by Hanover, which cut its liability-only average 46.8%.
Sterling Heights sits in Macomb County, which averages about $396 a month for full coverage in our data, second only to Wayne among the 70 Michigan counties we price. Sterling Heights runs above the county average.
Liability-only coverage varies widely by insurer here: Auto-Owners averages about $80 a month at 20/40/10 limits, while State Farm averages $213. Prices depend on where in Michigan you live, not just on your car and driving record, because insurers can rate by territory.
More Michigan cities and towns are in the Michigan rates by city table, and you can compare states on our car insurance rates by state page.
Troy, about six miles west, averages about $344 a month, and Utica, just north, $380. Clinton Township, to the east, averages about $389.
Drivers in Sterling Heights follow Michigan’s no-fault rules. Every policy must include:
If you don’t choose a PIP medical level, your policy includes unlimited PIP medical coverage, according to the Michigan Department of Insurance and Financial Services. You can show proof of insurance on your phone, under MCL 257.328. Our Michigan requirements guide covers the PIP choices, the mini-tort rule and the penalties for driving uninsured.
Ready to compare
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
Coverage requirements come from Michigan law and the Michigan Department of Insurance and Financial Services. We refresh these figures when new rate data is released.
For our benchmark driver, full coverage in Sterling Heights averages about $428 a month ($5,133 a year) and liability-only coverage at 20/40/10 limits about $135 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 21% above the Michigan average of $354 a month. Without Hanover, the Sterling Heights average is about $327 a month.
Of the insurers anyone can buy from, GEICO has the lowest full-coverage average in our Sterling Heights table, at about $161 a month, followed by Progressive and Travelers, effectively tied at about $191 and $197 a month. USAA, which sells only to military families, is lower still, at about $148 a month. Among the five major insurers we compared, Progressive has the lowest full-coverage average, at about $191 a month, 29% below Auto-Owners’ ($268), a saving of about $923 a year for our benchmark driver. For liability-only coverage at 20/40/10 limits, averages among the five major insurers we compared run from about $80 to $213 a month. GEICO’s figure is priced from published 2026 Michigan rate studies and scaled to our benchmark driver. Rates vary by driver, so compare quotes for your own car and ZIP code.
Yes, for our benchmark driver. Sterling Heights full coverage averages about $428 a month and Warren about $463, a difference of about $35 a month for the same driver and car.
In our data, 48313 has the lowest full-coverage average in Sterling Heights, at about $408 a month, and 48310 the highest, at about $449. The ZIP code table on this page lists all four.
In our Sterling Heights data, full coverage (100/300/100 with $500 deductibles) averages about $428 a month and liability-only coverage at 20/40/10 limits about $135, a difference of about $293 a month ($3,513 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. Michigan law doesn’t require full coverage, but a lender or leasing company may.
Every policy in Sterling Heights must include personal injury protection, property protection insurance of up to $1 million and bodily injury liability of $250,000 per person and $500,000 per crash, unless you sign a form choosing lower limits of at least $50,000 and $100,000, plus $10,000 in property damage liability for crashes in other states. If you don’t choose a PIP medical level, you get unlimited coverage.
Not for our benchmark driver. Comparing the four insurers in both sets of rates (Farm Bureau is new over the past nine months), their Sterling Heights full-coverage average fell 13.0%, from about $5,823 to $5,068 a year. That’s lower than the Sterling Heights average of $5,133 because it leaves out Farm Bureau. Hanover cut its Sterling Heights average 21.4%, State Farm 5.7% and Auto-Owners 0.9%. Liability-only coverage at 20/40/10 limits fell 9.3%.
For our benchmark driver, full coverage in Sterling Heights averages about $428 a month. Nearby, Warren averages about $463, Troy about $344 and Detroit about $665. Troy is cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
