Dodge Viper Insurance Rates

The average insurance rates for a Dodge Viper are $1,624 a year for full coverage. Comprehensive insurance costs an estimated $348 a year, collision costs $654, and liability coverage costs around $464. Liability-only insurance costs as low as $514 a year, with high-risk driver insurance costing $3,532 or more. Teens cost the most to insure at $6,022 a year or more.

Average premium for full coverage: $1,624

Policy rates broken down by type of insurance:

Prices include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all states and Viper trim levels.

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 a lower frequency of accident claims than cities with more traffic congestion.

The diagram below illustrates how your location can change insurance prices.

The examples above show why it is important to compare prices for a targeted area and risk profile, 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 $920
• Using higher $1,000 deductibles will save approximately $1,396 a year
• The average rate for a good driver age 40 who has $500 deductibles is $1,624
• Selecting low $100 deductibles for physical damage coverage will cost an extra $440 each year
• Higher-risk drivers with serious driving violations could pay up to $3,532 or more
• Policy cost for full coverage for a teenage driver can cost as much as $6,022 or more

View Chart as Image

Auto insurance rates for a Dodge Viper also range considerably based on your risk profile, the trim level of your Viper, and liability limits and deductibles.

Older drivers with a good driving record and high deductibles may only pay around $1,500 a year, or $125 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay at least $6,000 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 $1,070 a year in states like Iowa, Maine, and Idaho, or have to pay at least $2,320 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 $670 a year, while buying higher liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $417 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying $1,900 to $2,600 in extra premium every year, depending on your age. A high-risk auto insurance policy can be around 43% to 131% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the only way to know which auto insurance is cheapest is to get quotes and see how they stack up. Each insurance company calculates rates differently, and quoted rates will be varied from one company to the next.

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 the Right Dodge Viper Insurance

Finding cheaper rates on auto insurance requires having a decent driving record, having good credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Invest the time to shop around at least once a year by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The following items are a quick rundown of the primary concepts that were illustrated above.

• Drivers can save approximately $200 per year simply by quoting early and online
• Drivers with reckless driving or DUI convictions pay an average of $1,910 more annually than a driver with a clean driving record
• Increasing comprehensive and collision deductibles can save around $675 each year
• 16 to 18-year-old drivers are the costliest to insure, costing up to $502 each month if they have full coverage