Once a driver turns 25, they move out of the highest-risk age category, resulting in a significant reduction in their car insurance rates. With a good driving record, a 25-year-old pays $1,707 more than for a full coverage policy compared to what they paid at age 20.
A 25-year-old driver typically pays an average of $2,259 annually or $188 monthly for full coverage car insurance across the nation, which is $371 more than the cost for a 24-year-old.
In Oklahoma, the average annual rate for a full-coverage policy for 25-year-olds is $2,492.
Keep reading to learn more about car insurance for 25-year-olds in Oklahoma
How much is car insurance in Oklahoma per month for a 25-year-old?
How much you pay for car insurance as a 25-year-old in Oklahoma will vary depending on where you live, coverage levels, credit score, driving record and the deductible you select.
The table below shows how much car insurance costs for a 25-year-old per month and per year, on average, in Oklahoma.
| 25-year-old policy | Average annual rates | Average monthly rates |
|---|---|---|
| State Minimum Liability Only | $498 | $41 |
| 50/100/50 Liability Only | $735 | $61 |
| 100/300/100 Liability with $500 Comp/Coll Deductible | $2,492 | $208 |
Cheapest car insurance for 25-year-olds in Oklahoma
An average 25-year-old driver in Oklahoma pays $2,492 per year for full coverage car insurance. The chart below shows the average rates for full coverage from major insurance companies in Oklahoma for male and female drivers at age 25.
| Company | 25-year-old female | 25-year-old male |
|---|---|---|
| Progressive | $1,442 | $1,539 |
| GEICO | $1,965 | $1,959 |
| State Farm | $2,037 | $2,291 |
| AFR Insurance | $2,222 | $2,283 |
| Mercury Insurance | $2,682 | $2,895 |
| Farmers | $2,763 | $2,902 |
| Allstate | $2,829 | $3,012 |
| Shelter Insurance | $2,933 | $2,945 |
| Oklahoma Farm Bureau | $3,884 | $4,189 |
| USAA* | $1,684 | $1,776 |
How do rates for 25-year-olds compare to rates for other ages in Oklahoma?
Car insurance premiums are typically highest during your teenage years and gradually decrease every year until you reach age 65, after which rates begin to increase again. See the chart below to understand how rates vary from your teens to age 70 in Oklahoma.
| Age | Average annual rates | Average monthly rates |
|---|---|---|
| 16 | $8,615 | $718 |
| 20 | $4,200 | $350 |
| 25 | $2,492 | $208 |
| 40 | $2,138 | $178 |
| 65 | $1,947 | $162 |
| 70 | $2,049 | $171 |
Check out our detailed guide on the average car insurance rates by age
How much is car insurance for a 25-year-old male in Oklahoma?
According to CarInsurance.com’s data, the average full coverage insurance policy for a 25-year-old male in Oklahoma with $500 comprehensive and collision deductibles costs $2,549.
| Coverage level | Average annual rates for male |
|---|---|
| State Minimum Liability Only | $507 |
| 50/100/50 Liability Only | $734 |
| 100/300/100 Liability with $500 Comp/Coll Deductible | $2,549 |
According to the Insurance Institute for Highway Safety, males aged 25 to 30 were involved in 1,848 fatal accidents in 2020 – a rate of 15.6 per 100,000 male drivers. This rate is still relatively high compared to the accident rates for males in their 30s and 40s, but it is a decline from the fatality rates seen in a man’s early 20s.
How much is car insurance for a 25-year-old female in Oklahoma?
At age 25, female drivers with a clean driving record and good credit score will find that their insurance rates have dropped considerably.
A 25-year-old female driver pays $2,224 per year nationwide for a full coverage policy with $500 comprehensive/collision deductibles. The average annual cost of a full coverage policy in Oklahoma is $2,437 that’s $213 more than the national average cost for 25-year-old female drivers.
The table below shows car insurance rates for different coverage limits.
| Coverage level | Average annual rates for female |
|---|---|
| State Minimum Liability Only | $489 |
| 50/100/50 Liability Only | $737 |
| 100/300/100 Liability with $500 Comp/Coll Deductible | $2,437 |
Explore auto insurance rates for 25-year-olds in your neighboring states
What’s the best car insurance for 25-year-old drivers in Oklahoma?
At age 25, young adults will be starting to build financial assets so they can afford more than basic liability car insurance, which pays for others’ injuries and damage you cause to their property in an accident. Typically, the state-minimum coverage isn’t enough – medical costs can quickly escalate if significant injuries occur in an accident.
As young adults gain more disposable income, they should consider comprehensive and collision coverage – a must if you’re financing a vehicle. If you have a higher deductible, you can lower your rate, but you’ll be responsible for the deductible if you make a claim.
Ultimately, the best car insurance for 25-year-olds is the policy that meets their individual needs. The Best Insurance Companies survey found that American Family is the best insurance company for young drivers and teens. Review a company’s National Association of Insurance Commissioners’ (NAIC) score, which ranks a company by the number of customer complaints it receives, its J.D. Power auto claims satisfaction score and AM Best data, which measures financial strength.
Car insurance discounts for 25-year-olds in Oklahoma
Kevin Lynch, an assistant professor of insurance at The American College of Financial Services in Bryn Mawr, Penn., stresses that the three biggest favors any young adult can do for themselves in terms of getting the lowest insurance rates are to stay accident-free, have a clean driving record and maintain a good credit score.
“They’re the essentials of getting affordable insurance,” he says. “After that, you can look at a variety of other things such as affiliated discounts, bundling insurance policies and perhaps an in-car monitoring device.”
Other car insurance discounts that might be available:
- Good driver/safe driver: Up to 30%
- Multi-policy discounts: Up to 13%
- Lower annual mileage/driving less: Up to 9%
- Usage-based discount programs/telematics: Up to 10%
- Paperless discount/autopay: Up to 4%
- Loyalty discount: Up to 11%
- Anti-theft devices: Up to 2%
Beyond discounts, be mindful of the type of car you buy. A practical, safe and reliable car will have a much lower insurance rate than a sports or luxury vehicle.
Compare rates on car models like the top teen and young adult-ready cars that cost less than $15,000 with high safety ratings.
Guide: How to lower car insurance costs
Final thoughts on car insurance for 25-year-olds in Oklahoma
As you gain more driving experience, your auto insurance rates will decrease. The even better news is that your rates will keep decreasing as you age. It’s crucial to compare quotes from multiple insurers in Oklahoma to find the best rate and coverage options tailored to your needs.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety, Highway Loss Data Institute. “Fatality Facts 2020, Males and Females.” Accessed March 2025.
- National Association of Insurance Commissioners. “NAIC Score” Accessed March 2025.
- J.D. Power. “2022 U.S. Auto Claims Satisfaction Study” Accessed March 2025.
- AM Best. “AM Best Ratings” Accessed March 2025.
Methodology
CarInsurance.com gathered auto insurance rates from Quadrant Information Services for 25-year-old male and female drivers across various coverage levels: state minimum, 50/100/50 liability, and 100/300/100 full coverage with a $500 deductible.
The rates were obtained using a sample profile of a 25-year-old individual driving a Honda Accord LX with no history of traffic violations and a good insurance score. To evaluate the rates, we compared 53,409,632 insurance quotes from 170 regional and national insurance companies, encompassing 34,588 ZIP codes across the United States.
Note: USAA is only available to military community members and their families.
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