Dodge Viper Insurance Rates
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UPDATED: May 12, 2022
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The average insurance rates for a Dodge Viper are $1,144 a year with full coverage. Comprehensive insurance costs around $222, collision costs $322, and liability is $442. Liability-only coverage costs around $496 a year, with high-risk coverage costing $2,462 or more. Teen drivers cost the most to insure at $4,438 a year or more.
Average premium for full coverage: $1,144
Policy rates for type of insurance:
Price estimates include $500 physical damage deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and for different Viper trim levels.
Price Range Variability
For the average driver, Dodge Viper insurance rates go from the low end price of $496 for just liability coverage to a much higher rate of $2,462 for high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city can have significant affects on insurance rates. Areas with sparse population are shown to have lower incidents of collision claims than larger metro areas.
The price range example below illustrates how location impacts auto insurance rates.
The examples above demonstrate why anyone shopping for car insurance should compare rates quotes for a specific zip code, instead of using price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Detailed Rate Analysis
The chart below details estimated Dodge Viper insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $682
- Raising to $1,000 deductibles will save about $124 annually
- The estimated price for a good driver age 40 using $500 deductibles is $1,144
- Choosing more expensive low deductibles will cost an additional $238 every year
- At-risk drivers with multiple violations and an at-fault accident could pay at least $2,462 or more
- Policy cost that insures a teen driver with full coverage can be $4,438
Insurance rates for a Dodge Viper also range considerably based on the model year and trim level, your age and driving habits, and deductibles and policy limits.
If you have a few points on your driving record or you caused an accident, you may be forking out at least $1,400 to $1,900 additional every year, depending on your age. High-risk driver insurance is expensive and can cost as much as 43% to 136% more than average. View High Risk Driver Rates
An older driver with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay as much as $4,400 a year. View Rates by Age
Your home state also has a big influence on Dodge Viper insurance prices. A middle-age driver might find rates as low as $830 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,550 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,036 | -$108 | -9.4% |
| Alaska | $880 | -$264 | -23.1% |
| Arizona | $952 | -$192 | -16.8% |
| Arkansas | $1,144 | -$0 | 0.0% |
| California | $1,306 | $162 | 14.2% |
| Colorado | $1,094 | -$50 | -4.4% |
| Connecticut | $1,178 | $34 | 3.0% |
| Delaware | $1,296 | $152 | 13.3% |
| Florida | $1,432 | $288 | 25.2% |
| Georgia | $1,058 | -$86 | -7.5% |
| Hawaii | $824 | -$320 | -28.0% |
| Idaho | $774 | -$370 | -32.3% |
| Illinois | $854 | -$290 | -25.3% |
| Indiana | $862 | -$282 | -24.7% |
| Iowa | $772 | -$372 | -32.5% |
| Kansas | $1,088 | -$56 | -4.9% |
| Kentucky | $1,564 | $420 | 36.7% |
| Louisiana | $1,696 | $552 | 48.3% |
| Maine | $706 | -$438 | -38.3% |
| Maryland | $946 | -$198 | -17.3% |
| Massachusetts | $918 | -$226 | -19.8% |
| Michigan | $1,990 | $846 | 74.0% |
| Minnesota | $958 | -$186 | -16.3% |
| Mississippi | $1,372 | $228 | 19.9% |
| Missouri | $1,016 | -$128 | -11.2% |
| Montana | $1,230 | $86 | 7.5% |
| Nebraska | $904 | -$240 | -21.0% |
| Nevada | $1,372 | $228 | 19.9% |
| New Hampshire | $824 | -$320 | -28.0% |
| New Jersey | $1,280 | $136 | 11.9% |
| New Mexico | $1,014 | -$130 | -11.4% |
| New York | $1,208 | $64 | 5.6% |
| North Carolina | $660 | -$484 | -42.3% |
| North Dakota | $938 | -$206 | -18.0% |
| Ohio | $792 | -$352 | -30.8% |
| Oklahoma | $1,176 | $32 | 2.8% |
| Oregon | $1,050 | -$94 | -8.2% |
| Pennsylvania | $1,094 | -$50 | -4.4% |
| Rhode Island | $1,528 | $384 | 33.6% |
| South Carolina | $1,038 | -$106 | -9.3% |
| South Dakota | $968 | -$176 | -15.4% |
| Tennessee | $1,004 | -$140 | -12.2% |
| Texas | $1,380 | $236 | 20.6% |
| Utah | $848 | -$296 | -25.9% |
| Vermont | $784 | -$360 | -31.5% |
| Virginia | $688 | -$456 | -39.9% |
| Washington | $886 | -$258 | -22.6% |
| West Virginia | $1,050 | -$94 | -8.2% |
| Wisconsin | $794 | -$350 | -30.6% |
| Wyoming | $1,020 | -$124 | -10.8% |
Choosing high deductibles can reduce rates by up to $370 every year, while increasing your policy's liability limits will increase rates. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $398 more each year. View Rates by Deductible or Liability Limit
Because rates have so much variability, the best way to find out your exact price is to compare rates and see which company has the best rate. Every auto insurance company uses a different rate calculation, and rates will be varied.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Dodge Viper SRT/10 2-Dr Coupe | $1,144 | $95 |
| Dodge Viper SRT/10 2-Dr Roadster | $1,144 | $95 |
Rates assume 1996 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2004 Dodge Viper | $230 | $340 | $446 | $1,174 |
| 2003 Dodge Viper | $222 | $322 | $442 | $1,144 |
Rates are averaged for all Dodge Viper models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find Cheaper Dodge Viper Insurance
Finding cheaper rates on car insurance consists of being a safe and courteous driver, having a good credit score, not filing small claims, and taking advantage of discounts. Shop around every couple of years by getting quotes from direct companies, and also from your local independent and exclusive agents.
Below is a condensed summary of the material that was touched on above.
- Policyholders who may need higher levels of liability will pay about $490 every year to raise from a 30/60 limit to the 250/500 level
- Teenage drivers are charged the highest rates, as much as $370 each month if comprehensive and collision insurance is included
- Higher risk drivers with multiple at-fault accidents may pay on average $1,320 more every year for auto insurance
- Increasing comprehensive and collision deductibles can save approximately $350 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,438 |
| 20 | $2,616 |
| 30 | $1,178 |
| 40 | $1,144 |
| 50 | $1,048 |
| 60 | $1,026 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,382 |
| $250 | $1,274 |
| $500 | $1,144 |
| $1,000 | $1,020 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,144 |
| 50/100 | $1,232 |
| 100/300 | $1,343 |
| 250/500 | $1,630 |
| 100 CSL | $1,277 |
| 300 CSL | $1,520 |
| 500 CSL | $1,697 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,280 |
| 20 | $4,162 |
| 30 | $2,496 |
| 40 | $2,462 |
| 50 | $2,350 |
| 60 | $2,328 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $59 |
| Multi-vehicle | $60 |
| Homeowner | $19 |
| 5-yr Accident Free | $75 |
| 5-yr Claim Free | $72 |
| Paid in Full/EFT | $46 |
| Advance Quote | $52 |
| Online Quote | $79 |
| Total Discounts | $462 |
Discounts are estimated and may not be available from every company or in every state.
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