Dodge Viper Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

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:

Comprehensive $222
Collision $322
Liability $442

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.

Liability Only $496
Full Coverage $1,144
High Risk $2,462

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.

Rural Areas $858
Small Cities $1,201
Large Cities $1,544

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

View Chart as Image

Dodge Viper insurance cost comparison chart
Column chart showing Dodge Viper insurance prices range from $682 to $4,438 for full coverage

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.

Dodge Viper Insurance Rates by State
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%

View Chart as Image

Dodge Viper insurance rates by U.S. city

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

Dodge Viper Insurance Rates by Model and Trim Level
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.

Dodge Viper Insurance Rates by Model Year
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

Rates by Driver Age

Dodge Viper Insurance 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

Dodge Viper Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,382
$250 $1,274
$500 $1,144
$1,000 $1,020

Full coverage, driver age 40

Rates by Liability Limit

Dodge Viper Insurance Rates with Different Liability Limits
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

Dodge Viper Insurance 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.

SR-22 Surcharge $154

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
Rate after discounts $682

Discounts are estimated and may not be available from every company or in every state.

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