Sturgis has 11,054 residents in 4,394 households. We list 6 insurance agencies in Sturgis. Here is what the local numbers say about the cover people here need.

Sturgis at a glance

6insurance agencies listed
38.4%of households rentRenters insurance
$152,600median home valueHome insurance
1958median year homes were builtRebuild cost calculator
13.4%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Car insurance rules in Michigan

Michigan requires drivers to carry at least $50,000 of bodily injury liability per person, $100,000 per accident and $10,000 of property damage liability, often written 50/100/10. It also requires personal injury protection and property protection insurance ($1,000,000). Michigan is a no-fault state: your own personal injury protection (PIP) pays your medical bills after a crash, whoever caused it.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in Michigan How much liability cover do you need?

Source: michigan.gov, limits in force since 2020-07-01. Checked 2026-10-24.

Questions

Insurance agencies in Sturgis

How do I find an insurance agency in Sturgis?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

Do I need flood insurance in Sturgis?

FEMA's National Risk Index rates inland flooding risk in St. Joseph County as Relatively Low compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

Do I need renters insurance in Sturgis?

38.4% of households in Sturgis rent, according to the Census Bureau's American Community Survey. A landlord's policy covers the building, not your belongings or your liability; renters insurance covers those.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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