Sterling Heights Insurance Rates:

Sterling Heights, MI home insurance is nearly $650 to $879, about $54-$73/month. Our comprehensive guide indicates shoppers can save as much as $306 by comparing multiple quotes

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Sterling Heights Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
State Farm
Home Insurance Rate of $230/5 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $160,000

2 Beds, 2 Bath 1610 sqft Primary Residence Constructed In 2014 with Linoleum, Asphalt Shingles Roof, Piers Foundation, Stone Siding, Stucco Construction. Home Features Include Central Air Conditioning, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

42 Years old Married Male who is a Freelancer with household income of less than $25,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

Home Insurance Rate of $1250/10 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $390,000

5 Beds, 5 Baths 3660 sqft Vacation Property Constructed In 1980 with Carpet Flooring, Wood Shake Roof, Crawl Space Foundation, Brick siding, Stucco Construction. Home Features Include Deadbolt Locks, Swimming Pool, Fireplace, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

66 Years old Married Female who is Unemployed with household income of less than $25,000 and has No Pets and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 600-649 Credit Score

Home Insurance Rate of $100/2 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $185,000

4 Beds, 4 Baths 2410 sqft Seasonal Residence Constructed In 1994 with Hardwood Flooring, Asphalt Shingles Roof, Crawl Space Foundation, Wood siding, Brick Frame. Home Features Include Central Air Conditioning, Copper Water Pipes, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

34 Years old Single Male who has a Part Time Job with household income of less than $25,000 and has 1 Pet and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

Home Insurance Rate of $260/6 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $105,000

3 Beds, 3 Bath 1240 sqft Primary Residence Constructed In 2012 with Carpet over wood flooring, Shingles Roof, Piers Foundation, Stone Siding, Wood Frame. Home Features Include Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

50 Years old Married Male who has a Part Time Job with household income of $25-50,000 and has 2 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $620/4 months for $250,000-$300,000 Coverage
Policy Holder Home Details :

Home Value : $230,000

4 Beds, 4 Baths 2267 sqft Primary Residence Constructed In 2001 with Hardwood Flooring, Composition Roof, Chainwall Foundation, Wood siding, Brick Frame. Home Features Include Indoor Sprinklers, Fireplace, Copper Water Pipes, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

57 Years old Married Female who is Unemployed and has 3 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 700-749 Credit Score

Sterling Heights, MI Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
48314 $176,000 $790
48313 $155,100 $780
48310 $149,700 $770
48312 $149,000 $770

Sterling Heights Rates & Quotes Analysis:

Sterling Heights Area Estimated House Insurance
Gemini Dr, Pollard Dr, Urbana Dr, Helena Ave, Charity Dr, Clearview Cir, Gannett Dr, Brockham Way, la Grange Dr, Hartwell Dr$777
Mystic Forest Dr, Remie Dr, Curwood Dr, Kebbe Dr, Coachwood Dr, Amberwood Dr, Mary Grove Dr, Chesley Dr, Ridgecroft Dr, Groth Dr$757
Vega Dr, Kent Dr, Martha St, Radner Dr, Peachtree Dr, Mandale Dr, Meadowlake Dr, Darlene Dr, Trellis Dr, Wilmette Dr$779
Balfour Dr, Manning Ct, Dogwood Dr, Heidi Dr, Duke Dr, Burningbush Dr, N Central Dr, Cherry Creek Ln, Southpointe Dr, Minster Ct$808
Carmel Dr, Triangle Dr, Marne Ave, Roxbury Dr, Salvatore Dr, Whispering Ln, Carriage Dr, Blackstone Dr, Monticello Dr, Reese Dr$757
Almont Dr W, Fairmont Ct, Noll St, Harvard Dr, Chris Dr, Bangor Dr, Sebring Dr, Juanita Dr, Westminister Dr, Fallen Tree Dr$779
Angeline Dr, Winona Dr, Engleside Dr, Constitution, Hazelwood Dr, Shaver Ct, Zofia, Essen Dr, Parkwood Ave, Eva Ct$775
Ketsin St, Lords Dr, Winterfield Dr, Camden Dr, Sterritt St, Commerce Dr, Daily Dr, Geraldine Ct, Timmy Dr, Sesame Dr$787
Whitehall Dr, Little John Dr, Brightside Ct, Oxford Ct, Early St, Malibu Dr, Garden Way Dr, Dylan, Davison St, Xavier Dr$772
Grindley Dr, Le Mans Ave, Orion Dr, Creek Dr, Silver Dr, Cullen, Kirkton Dr, Burlington Dr, Kerner Dr, Viola Dr$820

Insurance rates are influenced by a number of factors including:

  • Year Built: 16,910 Homes (32% of total) built between 1970 to 1979 in Sterling Heights are paying home insurance between $1,240-$1,252 and differs from Troy (+$73), Shelby charter (+$38), Rochester (+$109), Utica (-$26) and Fraser (-$34).
  • Bedrooms: 11,584 2 bedrooms homes (22% of total homes ) in Sterling Heights are paying about $735 and varies from Troy (+$43), Shelby charter (+$30), Royal Oak (+$3), Utica (-$8) and Fraser (-$13).
  • Auto Insurance Bundling: 9,181 Households (24% of all households) in Sterling Heights have 3 or more vehicles available and when it is bundled with home insurance you can save $191. Discounts for similar bundling in close by locations such as Utica, Fraser, Clinton charter come to $187, $186, $188 respectively.
  • Senior Discounts: 17,617 seniors (more than 55 years) occupied housing units (46% of total) in Sterling Heights get discounts between $114 to $116 in contrast with Utica ($112), Fraser ($111), Troy ($121).
  • New Homes discounts: New homes such as the 15,877 homes built between 2000 to 2009 in Sterling Heights can save $153 and varies from Utica ($149), Fraser ($148), Clinton charter ($150).

Sterling Heights Homeowners insurance Facts

  • Sterling Heights, MI has 37,714 owner occupied houses which is 76.2% of all units whereas Utica, Fraser and Clinton charter have 60.11%, 73.25% and 67.55% respectively.
  • Sterling Heights, MI homeowners yearly insurance price at $765 is 0.5% of the typical house value of $153,600 which is in contrast with 0.58% in Utica, 0.61% at Fraser & 0.57% in Clinton charter.
  • Homeowners in Sterling Heights, MI pay 1.39% of their income ($50,000 to $59,999) in insurance whereas homeowners in Utica, Fraser and Clinton charter pay 1.36%, 1.35% and 1.37% respectively.
  • Sterling Heights, MI’s insurance is 4.2% of monthly housing costs of $1,521/month, for owners with a mortgage compared to 4.54% in Utica, 4.48% at Fraser & 4.41% in Clinton charter. But, for households without a mortgage, insurance is 12.5% of costs ($512 in Sterling Heights, MI) in contrast with 12.38% in Utica, 12.65% at Fraser & 11.48% in Clinton charter.

Sterling Heights, MI Home Values & Insurance rates

For example, insurance for 5,450 Homes (14.0% of total homes ) valued between $125,000 to $149,999 in Sterling Heights, MI is about $680. Rates in nearby areas in such as Troy, Shelby charter, Royal Oak are cheaper by $194, $113, $20 respectively while Utica and Fraser are costlier by $121 and $160 respectively for similar homes.

Sterling Heights, MI Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 2,484 6.0% $122
$50,000 to $59,999 415 1.0% $260
$60,000 to $69,999 511 1.0% $321
$70,000 to $79,999 903 2.0% $367
$80,000 to $89,999 1,281 3.0% $420
$90,000 to $99,999 1,145 3.0% $466
$100,000 to $124,999 5,482 14.0% $543
$125,000 to $149,999 5,450 14.0% $680
$150,000 to $174,999 8,295 22.0% $803
$175,000 to $199,999 4,126 11.0% $933
$200,000 to $249,999 4,143 11.0% $1116
$250,000 to $299,999 1,639 4.0% $1369
$300,000 to $399,999 1,269 3.0% $1736

Renters Insurance in Sterling Heights

  • Average Renters Insurance in Sterling Heights :  $140($11/month)

  • Median Gross Rent in Sterling Heights :  $850

  • Sterling Heights Renters Insurance to Median Rent Ratio:  1.29%

  • Average household size of renter-occupied unit :  2.23

Sterling Heights Renters Insurance as a Percentage of Rent

Sterling Heights Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 363 3.0% $785
$300 to $499 438 3.0% $1235
$500 to $749 3,005 27.0% $1910
$750 to $999 3,319 29.0% $2660
$1,000 to $1,499 2,647 23.0% $3785
$1,500 or more 1,215 10.0% $5435

Rent Affordability in Sterling Heights:

Approximately 45.0% (5,406) of households are spending more than 35% of their income on gross rent in Sterling Heights

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 1,445 12.0%
15.0 to 19.9 percent 1,216 10.0%
20.0 to 24.9 percent 1,317 11.0%
25.0 to 29.9 percent 1,248 10.0%
30.0 to 34.9 percent 1,140 9.0%
35.0 percent or more 5,406 45.0%

Protective device discount in Sterling Heights Up to :  $21

Claims-free discount in Sterling Heights Up to :  $28