Dodge Viper Insurance Rates
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UPDATED: Jun 1, 2023
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Estimated insurance rates for a Dodge Viper are $1,144 a year for full coverage. Comprehensive insurance costs approximately $222 each year, collision insurance costs $322, and liability is $442. Liability-only insurance costs around $496 a year, and high-risk driver insurance costs $2,462 or more. Teen drivers pay the most at up to $4,438 a year.
Average premium for full coverage: $1,144
Premium estimates by type of coverage:
Full coverage includes $500 deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all states and Viper models.
Insurance Price Range by Risk and Coverage
For a 40-year-old driver, insurance rates for a Dodge Viper range from as low as $496 for minimum levels of liability insurance to a high rate of $2,462 for high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city can make a big difference on car insurance rates. Rural locations are statistically proven to have a lower frequency of accident claims than larger metro areas. The graphic below illustrates how your location can change auto insurance prices.
These rate differences show why all drivers should compare rates quotes using their specific location and risk profile, instead of making a decision based on 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.
Additional Rate Details
The chart below shows average Dodge Viper insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $682
- Raising to $1,000 deductibles will save $124 a year
- The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,144
- Choosing low deductibles will cost an extra $238 annually
- Drivers with multiple violations and an at-fault accident could pay around $2,462
- An auto insurance policy for full coverage for a 16-year-old driver can cost $4,438
Insurance prices for a Dodge Viper also have a wide range based on your driving characteristics, the trim level of your Viper, and physical damage deductibles and liability limits.
More mature drivers with no violations or accidents and high deductibles may pay as low as $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers should be prepared to pay in the ballpark of $4,400 a year. View Rates by Age
Where you choose to live also has a big influence on Dodge Viper insurance prices. A middle-age driver might find prices as low as $760 a year in states like Iowa, Maine, and Idaho, or as much as $1,640 on average in New York, Louisiana, and Michigan.
| 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 prices by up to $370 annually, whereas increasing liability limits will push prices upward. Going from a 50/100 limit to a 250/500 limit will cost up to $398 more each year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you could be paying anywhere from $1,400 to $1,900 additional annually, depending on your age. Insurance for high-risk drivers is expensive and can cost from 43% to 136% more than average. View High Risk Driver Rates
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 | $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 More Affordable Dodge Viper Insurance
Finding better rates on insurance for a Dodge Viper consists of not taking risks behind the wheel, having a good credit history, not filing small claims, and consideration of higher deductibles. Invest the time to shop around every couple of years by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The following is a summary of the material that was illustrated above.
- Insureds who purchase higher liability limits will pay about $490 each year to raise from 30/60 bodily injury limits to 250/500 limits
- Teens are the costliest to insure, as much as $370 per month including comprehensive and collision insurance
- Drivers considered higher risk who have multiple accidents or major violations may pay on average $1,320 more per year for Viper insurance
- Increasing policy deductibles can save around $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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