Dodge Viper Insurance Rates

The average insurance rates for a Dodge Viper are $1,582 a year for full coverage. Comprehensive costs an estimated $340 each year, collision costs $610, and liability coverage costs around $474. Liability-only coverage costs as low as $522 a year, with high-risk coverage costing around $3,432. Teens cost the most to insure at $5,880 a year or more.

Average premium for full coverage: $1,582

Policy rates broken down by type of insurance:

Full coverage includes $500 physical damage insurance deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all states and Viper models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on insurance rates. More rural locations are shown to have lower incidents of accident claims than cities with more traffic congestion.

The graphic below illustrates the difference between rural and urban areas on insurance prices.

The examples above show why all drivers should compare prices for a targeted area, rather than using averaged prices.

Use the form below to get customized rates for your location.

Additional Charts and Tables

The chart below shows estimated Dodge Viper insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $901
• Using higher $1,000 deductibles will save approximately $216 a year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,582
• Selecting low deductibles for physical damage coverage bumps up the cost to $2,000
• Higher-risk drivers with serious driving violations could pay up to $3,432 or more
• Policy cost that insures a teenage driver can cost as much as $5,880 or more

View Chart as Image

Insurance rates for a Dodge Viper also range considerably based on the trim level and model year, how you drive, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you could be paying $1,900 to $2,600 additional every year, depending on your age. Insurance for high-risk drivers can be around 44% to 134% more than the average policy. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,500 a year, or $125 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay at least $5,800 a year. View Rates by Age

Your home state has a huge impact on Dodge Viper insurance rates. A driver around age 40 might see rates as low as $1,040 a year in states like Iowa, Maine, and Idaho, or have to pay at least $2,260 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $640 a year, whereas increasing liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to know which auto insurance is cheapest is to do a rate comparison and see how they stack up. Each insurance company calculates rates differently, and rates will be varied.

Insurance Rates by Trim Level and Model Year

Rates assume 2015 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.

How to Find More Affordable Dodge Viper Insurance

Finding cheaper rates on auto insurance requires being a low-risk driver, having a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Compare rates at least every other year by getting quotes from direct carriers, and also from your local independent and exclusive agents.

The items below are a summary of the car insurance concepts covered above.

• Drivers who have multiple accidents or major violations may pay on average $1,850 more annually to insure their Viper
• Drivers can save approximately $190 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles can save approximately $625 each year
• Consumers who want more liability coverage will pay approximately $520 each year to increase from a 30/60 limit to the 250/500 level