Dodge Viper Insurance

And how to get the lowest premiums without sacrificing coverage

Written by Rachel Morey
Written by Rachel Morey

Rachel Morey is a journalist specializing in making complicated personal finance and insurance subjects easy to understand. She has been writing professionally for nearly a decade and has projects in print, broadcasting, and online. A native Iowan, Rachel has a special fondness for the open roads of rural America.

Red Dodge Viper. Find Dodge Viper Insurance.

First introduced in 1992, the Dodge Viper has enjoyed a long history among America's favorite cars. If you already own one or are shopping for a pre-owned Dodge Viper, you’ll need certain types of auto insurance coverage to protect your investment. The best way to get a great price on auto insurance is to shop around. You can get quotes from multiple insurance companies from a local independent insurance agent. 

These agents are experts on car insurance, and they'll help you find a trustworthy insurance company offering great rates. Not sure where to find an independent insurance agent in your area? has a find-an-agent tool that can match you with a local independent insurance agent who will walk you through your options and help you find the best possible coverage for your Dodge Viper. 

What Kind of Insurance Do You Need for Your Dodge Viper?

Bodily injury liability: If you cause an accident and someone else is hurt, you are liable for the damage. Bodily injury liability insurance will pay for costs associated with medical care and recovery for those injured as a result of the accident. 

Property damage liability: Property damage liability is often required by law. Your agent may recommend that you purchase more than the minimum amount required. Your insurance policy only covers damages up to the limits of your policy. After that, you are personally liable for additional costs of repairing or replacing the other person's property when you are at fault in an accident. You may also be interested in purchasing an inexpensive umbrella policy for even more financial protection. 

Medical payments/Personal injury protection: Laws differ from one state to the next, so talk with your agent to understand your options where personal injury protection and medical payments insurance is concerned. Depending on where you live, this coverage may be required by law. The policy pays for costs related to physical recovery for you and your passengers. 

Uninsured motorist coverage: Even if it's illegal to drive without liability insurance, many people take the chance. Uninsured and underinsured motorist coverage offers an extra layer of protection that pays for repairs to your vehicle. Damage could quickly exceed the limits of the other party's liability coverage. This policy prevents you from having to pursue the at-fault driver for damage through the court system. 

Optional Coverage

Collision: Collision insurance coverage pays to repair or replace your Dodge Viper if you hit something or are in an accident with another car. 

Comprehensive: If you are in an accident caused by an animal on the road or are a victim of vandalism, you'll need comprehensive insurance coverage to get your repair bill paid for. The insurance company will handle the cost of repairing or replacing your Dodge Viper, minus your deductible, up to its fair market value for covered incidents. 

Glass coverage: You can't put off replacing a windshield without risking a ticket, but it can be an expensive repair. This zero-deductible policy costs just a few dollars each month. 

Gap insurance: If you think you owe more on your car than its market value and you didn't buy gap insurance at the dealership, talk with your agent about how this type of insurance could help you. Without it, you could be responsible for paying off your loan or lease if your vehicle is a total loss after an accident. 

What Affects the Cost of Insurance for Your Dodge Viper?

Annual mileage
If you drive more than the average of 10,000 to 15,000 miles each year, expect to pay slightly higher premiums for auto insurance.
Your driving record
if you have a spotless driving record, you'll pay a lower insurance rate than drivers with at-fault accidents or moving violations. 
The value of your vehicle
A Dodge Viper is a high-value vehicle, which means you'll pay more for insurance than you would for most other vehicles on the road. A 2017 Viper starts at about $93,000. The fact that it’s a supercar and is going to be a classic may affect insurance rates too.

Average Dodge Viper Insurance Costs

The average 40-year-old Dodge Viper driver pays $2,098 annually for full coverage auto insurance. This includes collision and comprehensive coverage. Liability-only insurance rates drop down to an average of just $416 per year. New drivers who are just 16 years old pay average rates that are much higher at $7,520 per year. Your rates may vary greatly from these averages. Your agent can help you understand the factors influencing your Dodge Viper insurance premiums. 

The Safety of Your Dodge Viper

Dodge Vipers aren't designed to be the safest vehicles on the road. The 2017 model is the final year for the V10 Viper. With an 8.4-liter V-10 engine and room for just two people, this rear-wheel-drive car has front and side-impact airbags, seatbelt pre-tensioners, stability control, anti-lock brakes, and a security system. 

A lack of advanced safety technology means you'll pay higher insurance rates for your Viper than you would for a vehicle designed with different goals in mind. 

How Location Affects Your Dodge Viper Insurance 

Because your location has such a profound effect on your car insurance premiums, it's crucial to get a personalized quote from your agent. It's typically more expensive to insure any vehicle in large cities than it is in rural areas. Insurance rates vary widely by state as well.

Average Dodge Viper insurance premiums
Rural areas $1,574
Small cities $2,203
Large cities $2,832

Additional Factors That Affect Your Dodge Viper Insurance Premiums

  • Safety features like anti-theft devices
  • Age
  • Gender
  • Deductible
  • Credit

Top Independent Insurance Carriers That Insure the Dodge Viper

According to a recent US Independent Insurance Agent Satisfaction Study by JD Power, the following companies provide excellent service to their insurance customers

  1. Progressive
  2. Safeco
  3. Travelers
  4. Auto-Owners Insurance

Save on Car Insurance

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Get a Dodge Viper Quote

Your local independent insurance agent helps you get the car insurance you need for your Dodge Viper from a company with experience insuring high-value performance vehicles. Don't trust an online search engine to deliver the best rates and most reliable insurance coverage. With the help of the find-an-agent tool, you can get in touch with an agent right away. 

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IIHS, Consumer Reports, Quote Inspector,, JD Power, Car and Driver