Sterling Heights Car Insurance

Everything You Need to Know About Car Insurance in Sterling Heights, MI

Sterling Heights is well-known as Michigan's "Best Community to Raise a Family." With quiet, scenic neighborhoods; lush, inviting parks; and low taxes, this city is a perfect choice for singles, families, and retirees. Of course, living in Sterling Heights, MI also means you'll have to navigate the congested roadways. Located just a half-hour from downtown Detroit, the traffic can get chaotic in this area. That's why every driver needs comprehensive Sterling Heights car insurance. 

Our Independent Insurance Agents can help you find the best auto insurance at the lowest price. If you are living in the Sterling Heights area and you are in need of car insurance, our experienced agents can walk you through the process of building a customized policy with the coverage you need at a price you can afford. 

  • National average cost per year: $1,311
  • Michigan average cost per year: $2,476
  • The most expensive auto premium in the U.S.

Automobile accidents happen in the blink of an eye. In that short window of time, your life can be torn apart and your car can be completely demolished. That's why you need the protection of a comprehensive car insurance policy. While Michigan is known for having the most expensive auto insurance policies in the country, our Independent Insurance Agents have the tools to help you secure the best coverage at the best possible price. In addition, many drivers in Michigan benefit from safe driver discounts and even savings from driving hybrid and "green" vehicles. 

Michigan Car Insurance Requirements

  • Body injury liability: required
  • Property damage reliability: required
  • Personal injury protection (PIP): required 
  • Minimum liability limits: 20/40/10

Michigan state law requires every driver to carry a minimum of $20,000 in coverage for personal injury as well as $40,000 for bodily injury liability, and $10,000 for property damage. While these minimums shield the driver from the potentially high cost associated with an automobile accident, the simple truth is that many drivers have found these minimums to be insufficient. Many accidents will far exceed these minimums and leave you to pay the remaining cost for medical bills and car repairs out of pocket. Our Independent Insurance Agents will help you determine the best car insurance coverage for yourself and your family. Protecting your financial assets is important for the long term security of your family, but it is also important for your peace of mind. 

Number of Uninsured Motorists in Michigan

  • Number of uninsured U.S. drivers: 12.6%
  • Number of uninsured Michigan drivers: 21.00%

Uninsured drivers put everyone at risk. In Michigan, more than one-fifth of drivers don't have insurance and many don't have enough coverage to realistically cover the cost of an accident. If you get into a wreck with an uninsured driver, you'll be stuck paying to fix your car out of pocket. Uninsured motorist coverage is a smart option to protect yourself in this scenario so that you always have the resources available to make auto repairs and pay medical bills after an accident.

Number of Auto Thefts in Michigan

  • National number of thefts for 1,000 vehicles: 2.94
  • Number of thefts for 1,000 vehicles in Michigan: 3.33

Michigan's high crime rates mean auto theft is much more common than in other states. Sterling Heights drivers should always be mindful of this risk. Take time to lock your doors, and never leave your car unattended while the keys are in the ignition. If you do become the victim of auto theft, your car insurance policy handles the expense and gets you into a new vehicle quickly.

Find a Great Sterling Heights Car Insurance Policy

Our Independent Insurance Agents take the guesswork out of shopping for car insurance in Sterling Heights. Finding the right level of coverage can be tricky, but our caring agents can walk you through your options and help you build a custom auto policy that protects you against the most serious threats on the roadways. Before you venture out into the city's crazy traffic, make sure you're covered with the best Sterling Heights car insurance. 

Contact an Independent Insurance Agent today to learn more about how you can find the most reliable Michigan auto insurance.

Share this page on Twitter Share this page on Facebook Share this page on LinkedIn