- The average cost of car insurance in Sterling Heights is $2,802 per year, or $234 per month.
- Sterling Heights car insurance averages $312 per year more than the Michigan state average and $919 per year more than the average rate for all 50 states.
- Monthly auto insurance rates for a few popular models in Sterling Heights include the Toyota Camry at $251, Chevrolet Silverado at $258, and Toyota RAV4 at $215.
- For cheap auto insurance in Sterling Heights, MI, compact crossovers and SUVs like the Ford Bronco Sport, Hyundai Venue, and Nissan Kicks have some of the cheapest rates.
- Car insurance quotes in Sterling Heights can range significantly from as low as $36 per month for just liability insurance to well over $673 per month for high-risk drivers.
How much does car insurance cost in Sterling Heights?
The average car insurance cost in Sterling Heights is $2,802 per year, which is 39.2% more than the overall U.S. national average rate of $1,883. The average cost per month for car insurance in Sterling Heights is $234 for a full coverage policy.
In the state of Michigan, the average car insurance cost is $2,490 per year, so the cost in Sterling Heights averages $312 more per year. When rates are compared to other locations in Michigan, the cost of car insurance in Sterling Heights is about $900 per year more expensive than in Grand Rapids, $198 per year cheaper than in Warren, and $764 per year more than in Lansing.
The next chart shows a summary of car insurance rates in Sterling Heights for 2024 model year vehicles, averaged based on a range of driver ages, deductibles, and risk profiles.
Average car insurance rates in the previous chart range from $2,328 per year for a 40-year-old driver who meets many discount requirements to $6,442 per year for a 30-year-old driver with a poor driving record or too many at-fault accidents.
When the rates shown in the chart are converted to monthly figures, the average cost of car insurance per month in Sterling Heights ranges from $194 to $537.
Auto insurance rates are not the same for everyone and can change frequently. The potential for large premium differences reinforces the need to get multiple car insurance quotes when trying to find more affordable car insurance.
The age of the rated driver significantly impacts the price you pay for car insurance. The list below illustrates this point by breaking out average car insurance rates based on the age of the driver.
Average car insurance cost for Sterling Heights, Michigan, drivers age 16 to 60
- 16 year old – $9,974 per year or $831 per month
- 17 year old – $9,663 per year or $805 per month
- 18 year old – $8,662 per year or $722 per month
- 19 year old – $7,886 per year or $657 per month
- 20 year old – $5,636 per year or $470 per month
- 30 year old – $2,988 per year or $249 per month
- 40 year old – $2,802 per year or $234 per month
- 50 year old – $2,484 per year or $207 per month
- 60 year old – $2,324 per year or $194 per month
The previous rates shown for teen drivers were based on a male driver. The chart below goes into more detail regarding the cost of insuring teen drivers and breaks out average teen driver car insurance rates by gender. Females are generally slightly cheaper to insure than males, notably at younger ages.
Auto insurance for a 16-year-old female in Sterling Heights costs an average of $656 less per year than the cost for a 16-year-old male, while at age 19, the cost difference is less but males still pay an average of $1,220 more per year.
Popular vehicles and the cost to insure them
The previously referenced auto insurance rates consist of an average based on every 2024 vehicle model, which is helpful for making overall comparisons like the cost for different driver ages or locations. But for more in-depth car insurance comparisons, we will get better data if we compare rates for the specific model of vehicle being insured.
Later in this article, we compare all kinds of car insurance rates for different makes and models, but for now, we will just use the more popular vehicles to see how auto insurance prices stack up in Sterling Heights.
This next chart details the cost of auto insurance for some of the more popular cars, trucks, and SUVs that you can find on the streets of Sterling Heights.
Vehicle models popular with drivers in Sterling Heights tend to be small or midsize sedans like the Volkswagen Jetta, Nissan Sentra, and Kia K5 and compact or midsize SUVs like the Honda CR-V, Nissan Rogue, and Jeep Grand Cherokee.
Other popular models from other segments include luxury cars like the Lexus ES 350, Tesla Model S, and BMW 530i, luxury SUVs like the BMW X5, Lexus RX 350, and Acura MDX, and pickup trucks like the Ford F-150, Ford Ranger, and Toyota Tacoma.
We will explore additional rates in the upcoming sections, but first, let’s make a quick review of the primary concepts covered so far.
- Sterling Heights auto insurance prices are more expensive than the Michigan state average – $2,802 (Sterling Heights average) compared to $2,490 (Michigan average)
- Teen females have cheaper rates than teenage males – Teenage females pay $1,220 to $656 less per year than male drivers of the same age.
- Sterling Heights car insurance cost is more than the U.S. average – $2,802 (Sterling Heights average) versus $1,883 (U.S. average)
- Insuring a teenager is not cheap – The average cost ranges from $6,666 to $9,974 per year for teen driver car insurance in Sterling Heights.
- Auto insurance with low deductibles costs more – A 50-year-old driver pays an average of $1,164 more per year for a policy with $250 deductibles compared to $1,000 deductibles.
- Auto insurance rates drop significantly in your twenties – The average 30-year-old Sterling Heights, MI, driver will pay $2,648 less per year than a 20-year-old driver, $2,988 versus $5,636.
Which vehicles cost the least to insure in Sterling Heights?
When comparing rates for all vehicles, the models with the lowest cost average insurance quotes in Sterling Heights tend to be small SUVs like the Subaru Crosstrek, Chevrolet Trailblazer, and Hyundai Venue.
Average insurance rates for those compact SUVs cost $2,276 or less per year to have full coverage.
Examples of other vehicles that rank well in our auto insurance cost comparison are the Chevrolet Colorado, Buick Envista, Nissan Murano, and Buick Encore. Insurance is somewhat higher for those models than the cheapest crossovers and small SUVs that rank at the top, but they still have an average insurance cost of $2,402 or less per year in Sterling Heights.
The table below details the 40 models with the cheapest car insurance in Sterling Heights, ordered by annual cost.
| Rank | Make/Model | Annual Premium | Cost Per Month |
|---|---|---|---|
| 1 | Subaru Crosstrek | $2,070 | $173 |
| 2 | Chevrolet Trailblazer | $2,104 | $175 |
| 3 | Kia Soul | $2,186 | $182 |
| 4 | Nissan Kicks | $2,206 | $184 |
| 5 | Honda Passport | $2,230 | $186 |
| 6 | Buick Envision | $2,246 | $187 |
| 7 | Toyota Corolla Cross | $2,256 | $188 |
| 8 | Hyundai Venue | $2,276 | $190 |
| 9 | Mazda CX-5 | $2,286 | $191 |
| 10 | Ford Bronco Sport | $2,294 | $191 |
| 11 | Volkswagen Tiguan | $2,318 | $193 |
| 12 | Acura RDX | $2,342 | $195 |
| 13 | Nissan Murano | $2,354 | $196 |
| 14 | Buick Encore | $2,378 | $198 |
| 15 | Subaru Outback | $2,386 | $199 |
| 16 | Honda CR-V | $2,388 | $199 |
| 17 | Chevrolet Colorado | $2,394 | $200 |
| 18 | Buick Envista | $2,396 | $200 |
| 19 | Volkswagen Taos | $2,400 | $200 |
| 20 | Kia Niro | $2,402 | $200 |
| 21 | Toyota GR Corolla | $2,434 | $203 |
| 22 | Subaru Ascent | $2,438 | $203 |
| 23 | Honda HR-V | $2,440 | $203 |
| 24 | Nissan Leaf | $2,454 | $205 |
| 25 | Honda Civic | $2,480 | $207 |
| 26 | Lexus NX 250 | $2,480 | $207 |
| 27 | Volkswagen Atlas | $2,484 | $207 |
| 28 | Acura Integra | $2,490 | $208 |
| 29 | Volkswagen Atlas Cross Sport | $2,496 | $208 |
| 30 | Subaru Forester | $2,498 | $208 |
| 31 | Kia Seltos | $2,502 | $209 |
| 32 | GMC Terrain | $2,506 | $209 |
| 33 | Nissan Rogue | $2,518 | $210 |
| 34 | Hyundai Kona | $2,522 | $210 |
| 35 | Mazda CX-30 | $2,526 | $211 |
| 36 | Cadillac XT4 | $2,528 | $211 |
| 37 | Volkswagen ID4 | $2,538 | $212 |
| 38 | Ford Explorer | $2,540 | $212 |
| 39 | Toyota Highlander | $2,548 | $212 |
| 40 | Ford Escape | $2,556 | $213 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Sterling Heights, MI Zip Codes. Updated February 22, 2024
The table above that contains 40 vehicle models with cheap Sterling Heights car insurance is great if you’re just wanting the lowest rates. Due to the fact that we track over 700 vehicles, a ton of models get left out.
So let’s take a different approach and break out the models with the cheapest rates a slightly different way. The six sections below list the models with the cheapest insurance rates for each of the primary vehicle segments.
Cheapest cars to insure in Sterling Heights, MI
The Toyota GR Corolla ranks in the top spot for the cheapest car to insure in Sterling Heights, followed by the Nissan Leaf, Honda Civic, Nissan Sentra, and Subaru Impreza. The 2024 model has an average cost of $2,434 per year for a policy with full coverage.
Not the cheapest, but still in the top 10, are models like the Kia K5, Hyundai Ioniq 6, Honda Accord, and Toyota Prius, with an average cost of $2,714 per year or less.
Ranked in the lower half of the top 20, cars like the Toyota Crown, Mitsubishi Mirage G4, Volkswagen Jetta, Toyota Corolla, Subaru Legacy, and Hyundai Sonata cost between $2,714 and $2,896 per year to insure in Sterling Heights.
Car insurance in this segment for a safe driver starts at around $203 per month, depending on your location and insurance company.
If prices are ranked by vehicle size, the most budget-friendly non-luxury compact car to insure in Sterling Heights is the Toyota GR Corolla at $2,434 per year, or $203 per month. For midsize models, the Hyundai Ioniq 6 is the cheapest model to insure at $2,574 per year, or $215 per month. And for full-size sedans, the Chrysler 300 has the most affordable rates at $2,658 per year, or $222 per month.
The next table ranks the twenty cars with the lowest-cost insurance rates in Sterling Heights.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Toyota GR Corolla | Compact | $2,434 | $203 |
| Nissan Leaf | Compact | $2,454 | $205 |
| Honda Civic | Compact | $2,480 | $207 |
| Nissan Sentra | Compact | $2,566 | $214 |
| Hyundai Ioniq 6 | Midsize | $2,574 | $215 |
| Subaru Impreza | Compact | $2,576 | $215 |
| Toyota Prius | Compact | $2,616 | $218 |
| Kia K5 | Midsize | $2,700 | $225 |
| Honda Accord | Midsize | $2,704 | $225 |
| Chevrolet Malibu | Midsize | $2,714 | $226 |
| Toyota Corolla | Compact | $2,730 | $228 |
| Kia Forte | Compact | $2,734 | $228 |
| Volkswagen Arteon | Midsize | $2,752 | $229 |
| Nissan Versa | Compact | $2,760 | $230 |
| Subaru Legacy | Midsize | $2,766 | $231 |
| Mitsubishi Mirage G4 | Compact | $2,826 | $236 |
| Volkswagen Jetta | Compact | $2,830 | $236 |
| Toyota Crown | Midsize | $2,836 | $236 |
| Hyundai Sonata | Midsize | $2,840 | $237 |
| Mazda 3 | Compact | $2,896 | $241 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Sterling Heights, MI Zip Codes. Updated February 22, 2024
See our comprehensive guides for compact car insurance, midsize car insurance, and full-size car insurance to view data for vehicles not featured in the table.
Need rates for a different vehicle? No problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free Sterling Heights car insurance quotes from top car insurance companies in Michigan.
Cheapest SUVs to insure in Sterling Heights
The #1 ranking in Sterling Heights for the most affordable average insurance rates in the non-luxury SUV segment is the Subaru Crosstrek, at $2,070 per year. Second place is the Chevrolet Trailblazer costing $2,104 per year, and the third cheapest is the Kia Soul, costing an average of $2,186 per year.
Other models that have cheaper rates include the Mazda CX-5, Buick Envision, Hyundai Venue, and Toyota Corolla Cross, with average insurance cost of $2,294 per year or less.
Additional SUVs on the list include the Honda HR-V, Buick Encore, Buick Envista, and Kia Niro, which average between $2,294 and $2,440 per year for insurance in Sterling Heights.
From a cost per month standpoint, full-coverage insurance on this segment in Sterling Heights starts at an average of $173 per month, depending on the company.
When rates are compared by vehicle size, the cheapest compact SUV to insure in Sterling Heights is the Subaru Crosstrek at $2,070 per year. For midsize models, the Honda Passport has the cheapest rates at $2,230 per year. And for full-size non-luxury SUVs, the Chevrolet Tahoe is the cheapest model to insure at $2,630 per year.
The table below ranks the SUVs with the cheapest insurance rates in Sterling Heights, starting with the Subaru Crosstrek at $2,070 per year ($173 per month) and ending with the Honda HR-V at $2,440 per year ($203 per month).
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Subaru Crosstrek | Compact | $2,070 | $173 |
| Chevrolet Trailblazer | Compact | $2,104 | $175 |
| Kia Soul | Compact | $2,186 | $182 |
| Nissan Kicks | Compact | $2,206 | $184 |
| Honda Passport | Midsize | $2,230 | $186 |
| Buick Envision | Compact | $2,246 | $187 |
| Toyota Corolla Cross | Compact | $2,256 | $188 |
| Hyundai Venue | Compact | $2,276 | $190 |
| Mazda CX-5 | Compact | $2,286 | $191 |
| Ford Bronco Sport | Compact | $2,294 | $191 |
| Volkswagen Tiguan | Compact | $2,318 | $193 |
| Nissan Murano | Midsize | $2,354 | $196 |
| Buick Encore | Compact | $2,378 | $198 |
| Subaru Outback | Midsize | $2,386 | $199 |
| Honda CR-V | Compact | $2,388 | $199 |
| Buick Envista | Midsize | $2,396 | $200 |
| Volkswagen Taos | Compact | $2,400 | $200 |
| Kia Niro | Compact | $2,402 | $200 |
| Subaru Ascent | Midsize | $2,438 | $203 |
| Honda HR-V | Compact | $2,440 | $203 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Sterling Heights, MI Zip Codes. Updated February 23, 2024
See our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to view any vehicles not shown in the table.
Looking for rates for a different SUV? That’s no problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get cheap Sterling Heights car insurance quotes from top-rated companies in Michigan.
Cheapest pickup truck insurance rates
Ranking in the top five for the lowest-cost Sterling Heights car insurance rates in the pickup segment are the Ford Maverick, Nissan Frontier, Ford Ranger, Chevrolet Colorado, and Nissan Titan. Car insurance prices for these 2024 models average $2,716 or less per year.
Other pickups that have cheaper rates include the GMC Canyon, GMC Sierra 2500 HD, Honda Ridgeline, and Hyundai Santa Cruz, with average annual insurance rates of $2,884 per year or less.
From a cost per month standpoint, auto insurance rates on this segment in Sterling Heights for a good driver starts at around $200 per month, depending on your location. The rate comparison table below ranks the pickups with the cheapest average insurance rates in Sterling Heights, starting with the Chevrolet Colorado at $2,394 per year ($200 per month) and ending with the Ram Truck at $3,240 per year ($270 per month).
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Chevrolet Colorado | Midsize | $2,394 | $200 |
| Nissan Titan | Full-size | $2,620 | $218 |
| Nissan Frontier | Midsize | $2,650 | $221 |
| Ford Ranger | Midsize | $2,678 | $223 |
| Ford Maverick | Midsize | $2,716 | $226 |
| Honda Ridgeline | Midsize | $2,780 | $232 |
| Hyundai Santa Cruz | Midsize | $2,826 | $236 |
| Toyota Tacoma | Midsize | $2,834 | $236 |
| GMC Sierra 2500 HD | Heavy Duty | $2,850 | $238 |
| GMC Canyon | Midsize | $2,884 | $240 |
| Jeep Gladiator | Midsize | $2,948 | $246 |
| GMC Sierra 3500 | Heavy Duty | $2,968 | $247 |
| Chevrolet Silverado HD 3500 | Heavy Duty | $2,994 | $250 |
| Chevrolet Silverado HD 2500 | Heavy Duty | $3,074 | $256 |
| GMC Sierra | Full-size | $3,094 | $258 |
| Chevrolet Silverado | Full-size | $3,096 | $258 |
| Nissan Titan XD | Heavy Duty | $3,098 | $258 |
| Ford F150 | Full-size | $3,134 | $261 |
| GMC Hummer EV Pickup | Full-size | $3,212 | $268 |
| Ram Truck | Full-size | $3,240 | $270 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Sterling Heights, MI Zip Codes. Updated February 22, 2024
See our guides for midsize pickup insurance and large pickup insurance to compare rates for all truck makes and models.
Looking for insurance rates for a different truck? No sweat! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap Sterling Heights car insurance quotes from the best companies in Michigan.
Cheapest luxury car insurance rates
Ranking in the top five for the cheapest Sterling Heights car insurance rates in the luxury car segment are the Mercedes-Benz CLA250, BMW 330i, Lexus IS 300, Acura Integra, and Acura TLX. Auto insurance prices for these models average $242 or less per month.
Not the cheapest luxury cars to insure, but still very reasonable, are luxury cars like the Mercedes-Benz AMG CLA35, Lexus RC 300, Genesis G70, and Cadillac CT4, with an average cost of $2,944 per year or less.
Ranked from 10th to 20th place, models like the Cadillac CT5, Lexus ES 300h, Lexus IS 350, BMW 330e, and BMW 230i average between $2,944 and $3,140 to insure per year.
Auto insurance for this segment in Sterling Heights for a good driver will start around $208 per month, depending on the company and your location.
The cheapest small luxury car to insure in Sterling Heights is the Acura Integra at $2,490 per year. For midsize luxury cars, the Mercedes-Benz CLA250 is cheapest to insure at $2,882 per year. And for full-size luxury cars, the Audi A5 has the best rates at $3,314 per year.
The rate comparison table below ranks the twenty cars with the lowest-cost average insurance rates in Sterling Heights, starting with the Acura Integra at $2,490 per year ($208 per month) and ending with the Audi S3 at $3,140 per year ($262 per month).
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Acura Integra | Compact | $2,490 | $208 |
| BMW 330i | Compact | $2,852 | $238 |
| Mercedes-Benz CLA250 | Midsize | $2,882 | $240 |
| Lexus IS 300 | Midsize | $2,886 | $241 |
| Acura TLX | Compact | $2,898 | $242 |
| Cadillac CT4 | Compact | $2,924 | $244 |
| Lexus ES 350 | Midsize | $2,924 | $244 |
| Genesis G70 | Compact | $2,932 | $244 |
| Mercedes-Benz AMG CLA35 | Midsize | $2,938 | $245 |
| Lexus RC 300 | Midsize | $2,944 | $245 |
| Lexus IS 350 | Compact | $2,946 | $246 |
| Jaguar XF | Midsize | $2,964 | $247 |
| Cadillac CT5 | Midsize | $3,020 | $252 |
| Lexus ES 250 | Midsize | $3,028 | $252 |
| Lexus RC 350 | Compact | $3,038 | $253 |
| BMW 330e | Compact | $3,042 | $254 |
| BMW 228i | Compact | $3,046 | $254 |
| BMW 230i | Compact | $3,072 | $256 |
| Lexus ES 300h | Midsize | $3,074 | $256 |
| Audi S3 | Compact | $3,140 | $262 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Sterling Heights, MI Zip Codes. Updated February 23, 2024
See our comprehensive guide for luxury car insurance to view data for vehicles not featured in the table.
Don’t see insurance rates for your vehicle? That’s no problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free Sterling Heights car insurance quotes from the best car insurance companies in Michigan.
Cheapest luxury SUVs to insure
The four highest ranking luxury SUV models with the lowest-cost insurance in Sterling Heights are the Acura RDX at $2,342 per year, Lexus NX 250 at $2,480 per year, Cadillac XT4 at $2,528 per year, and Jaguar E-Pace at $2,618 per year.
Not the cheapest, but still in the top 10, are luxury SUVs like the Lexus UX 250h, Lexus NX 450h, Mercedes-Benz GLB 250, and Lincoln Corsair, with average cost of $2,700 per year or less.
Ranked lower than 10th place, but still in the top 20, models like the Lexus NX 350, Lexus RX 350, Mercedes-Benz GLA35 AMG, Infiniti QX60, and Mercedes-Benz GLA250 cost between $2,700 and $2,808 per year for insurance.
Car insurance rates in Sterling Heights for this segment for a safe driver will start around $195 per month, depending on where you live and the company you use.
The cheapest small luxury SUV to insure in Sterling Heights is the Acura RDX at $2,342 per year. For midsize luxury SUVs, the Jaguar E-Pace has the best rates at $2,618 per year. And for full-size luxury SUVs, the Infiniti QX80 is cheapest to insure at $3,140 per year.
The rate comparison table below ranks the luxury SUVs with the lowest-cost insurance rates in Sterling Heights, starting with the Acura RDX at $2,342 per year and ending with the Lexus NX 350 at $2,808 per year.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Acura RDX | Compact | $2,342 | $195 |
| Lexus NX 250 | Compact | $2,480 | $207 |
| Cadillac XT4 | Compact | $2,528 | $211 |
| Jaguar E-Pace | Midsize | $2,618 | $218 |
| Cadillac XT5 | Midsize | $2,642 | $220 |
| Lexus NX 350h | Compact | $2,642 | $220 |
| Lincoln Corsair | Compact | $2,676 | $223 |
| Mercedes-Benz GLB 250 | Compact | $2,680 | $223 |
| Lexus UX 250h | Compact | $2,686 | $224 |
| Lexus NX 450h | Compact | $2,700 | $225 |
| Infiniti QX50 | Midsize | $2,722 | $227 |
| Mercedes-Benz GLA250 | Compact | $2,722 | $227 |
| Mercedes-Benz GLA35 AMG | Compact | $2,740 | $228 |
| Cadillac XT6 | Midsize | $2,742 | $229 |
| Infiniti QX60 | Midsize | $2,754 | $230 |
| Mercedes-Benz AMG GLB35 | Midsize | $2,760 | $230 |
| Land Rover Evoque | Compact | $2,796 | $233 |
| Acura MDX | Midsize | $2,800 | $233 |
| Lexus RX 350 | Midsize | $2,802 | $234 |
| Lexus NX 350 | Compact | $2,808 | $234 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Sterling Heights, MI Zip Codes. Updated February 23, 2024
See our guides for luxury SUV insurance to compare rates for additional makes and models.
Don’t see insurance rates for your luxury SUV? No sweat! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top car insurance companies in Michigan.
Cheapest sports car insurance rates
The top five models for the lowest-cost Sterling Heights car insurance rates in the sports car segment are the Subaru WRX, Toyota GR86, Ford Mustang, Mazda MX-5 Miata, and BMW Z4. Insurance rates for these models average $3,142 or less per year.
Not the cheapest sports cars to insure, but still affordable, are models like the Lexus RC F, Subaru BRZ, Toyota GR Supra, and Nissan Z, with average annual insurance rates of $3,350 per year or less.
On a monthly basis, full-coverage auto insurance in this segment starts at an average of $216 per month, depending on your location. The comparison table below ranks the twenty sports cars with the most affordable insurance in Sterling Heights, starting with the Mazda MX-5 Miata at $2,592 per year and ending with the Porsche Taycan at $4,744 per year.
| Make and Model | Vehicle Type | Annual Premium | Cost Per Month |
|---|---|---|---|
| Mazda MX-5 Miata | Sports Car | $2,592 | $216 |
| Toyota GR86 | Sports Car | $2,952 | $246 |
| Ford Mustang | Sports Car | $3,078 | $257 |
| BMW Z4 | Sports Car | $3,096 | $258 |
| Subaru WRX | Sports Car | $3,142 | $262 |
| Toyota GR Supra | Sports Car | $3,148 | $262 |
| BMW M2 | Sports Car | $3,238 | $270 |
| Nissan Z | Sports Car | $3,246 | $271 |
| Lexus RC F | Sports Car | $3,310 | $276 |
| Subaru BRZ | Sports Car | $3,350 | $279 |
| BMW M3 | Sports Car | $3,538 | $295 |
| Porsche 718 | Sports Car | $3,606 | $301 |
| Chevrolet Camaro | Sports Car | $3,640 | $303 |
| Chevrolet Corvette | Sports Car | $3,876 | $323 |
| Porsche 911 | Sports Car | $4,012 | $334 |
| BMW M4 | Sports Car | $4,180 | $348 |
| Lexus LC 500 | Sports Car | $4,202 | $350 |
| Jaguar F-Type | Sports Car | $4,420 | $368 |
| Mercedes-Benz AMG GT53 | Sports Car | $4,636 | $386 |
| Porsche Taycan | Sports Car | $4,744 | $395 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Sterling Heights, MI Zip Codes. Updated February 23, 2024
Is your vehicle not in the list? That’s no problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from the best car insurance companies in Sterling Heights.
Tips for finding cheaper Sterling Heights car insurance
Shrewd drivers are always searching for ways to reduce their monthly insurance expenses. So take a minute and read through the money-saving ideas in this next list and maybe you’ll be able to save some money on your next policy.
- Remain claim free. Insurance companies reduce rates a little for not having any claims. Insurance is intended to be used in the case of significant financial loss, not for minor claims.
- Compare the cost of insurance before buying a car. Different vehicle models have very different costs for insurance, and insurance companies can sell policies with very different rates. Check rates before you buy a different vehicle in order to prevent price shock when buying coverage for your new car.
- Save money by qualifying for policy discounts. Discounts may be available if the policyholders are homeowners, are good students, sign their policy early, are military or federal employees, are claim-free, or many other policy discounts which could save the average Sterling Heights driver as much as $474 per year on auto insurance.
- A good credit rating can save money. Having a high credit score of 800+ could save a minimum of $440 per year versus a good rating of 670-739. Conversely, a lower credit rating could cost up to $510 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
- Lower the cost of your policy by increasing deductibles. Increasing deductibles from $500 to $1,000 could save around $300 per year for a 40-year-old driver and $588 per year for a 20-year-old driver.