USAA, State Farm, and Allstate consistently offer relatively cheap car insurance rates for Dodge Vipers.
The two-door Viper was a sports car available in Dodge’s lineup from 1991 to 2017, when slowing sales and increased safety requirements pushed Dodge to discontinue this vehicle.
Although Dodge doesn’t make Vipers anymore, they’re still a popular sports car among enthusiasts. The average used option costs at least $50,000, and some top-tier models cost more than $100,000.
Here’s what you need to know about car insurance rates for the Dodge Viper and how to find the best insurance for your situation.
Cost of Dodge Viper insurance by model year
While 2017 was the last year Dodge made Vipers, some of these sought-after vehicles are still on the road today.
When insuring a Dodge Viper, drivers face an average cost of $175 per month for a full-coverage policy. But some insurance companies, like USAA, State Farm, and Allstate, consistently offer cheaper rates.
The table below lays out the average monthly quotes for the final models of the Dodge Viper.
Cost of Dodge Viper insurance
To insure a Dodge Viper, it costs an average of $175 per month for a full-coverage policy and $93 per month for a liability-only policy. But your exact insurance costs vary based on your situation.
For starters, the vehicle itself can affect insurance costs. If you’re driving a special edition or paid for luxury features, the vehicle’s higher value could lead to higher insurance premiums.
Other factors that affect your insurance costs include your age, driving record, ZIP code, gender, and any discounts you may qualify for. Older drivers tend to pay less for coverage, and women tend to pay less than their male counterparts. If you have several traffic violations, like speeding tickets, that can also push your costs higher.1
Additionally, how you use the vehicle can affect your costs. For example, if you treat your Viper as a collectible that lives in a garage and rarely hits the open road, that could lead to different insurance needs. For some people, a collector car insurance policy might be the right solution.
USAA tends to offer Viper drivers the most affordable rates. The table below breaks down average costs across other insurers.
Why was the Dodge Viper discontinued?
As an iconic sports car, the Dodge Viper commanded a relatively high price while it was still in production. The 2017 model came with a starting manufacturer’s suggested retail price (MSRP) of more than $90,000. Although it fit into a lineup of American muscle cars, its performance fell below contemporary supercars like the Porsche 911 Carrera.2
In the lead up to the Viper’s discontinuation, rumors swirled about what pushed Dodge to stop making this once-iconic car. Dodge cited declining sales as its main reason for discontinuing the Viper, but online forums suggest incoming safety regulations about side airbags likely came into play.
It’s currently a bit more affordable to insure a Viper than other Dodge vehicles of similar model years and uses, like the Challenger.
Cost to insure other sports cars
Although you can buy a used Viper, it’s not the only sports car option. Other comparable sports cars include the Chevrolet Corvette and the Ford GT. But possibly due to the aging nature of today’s Vipers, it’s often more affordable to insure a Viper than other types of sports cars.
Use the table below to explore average monthly quotes for other popular sports cars.
Average cost of Dodge insurance by state
Where you live can affect your car insurance costs significantly. For example, drivers in North Carolina pay an average of $99 to insure a Dodge. But drivers in New York pay an average of more than $497 per month to insure a Dodge vehicle.
Find your state in the table below to determine average rates. Alaska and Hawaii are not included due to lack of data.
How much coverage to have on your Dodge Viper
Buying enough coverage for your Dodge Viper can protect your wallet after an accident. Although most states require drivers to carry a minimum amount of liability coverage, many experts recommend buying more than a state-minimum liability policy.
If you financed your Dodge Viper, your lender might require you to purchase full coverage. But even if you aren’t required to buy a full-coverage policy, opting for this more robust protection can help you repair or replace this high-value vehicle after an accident.
Dodge Viper car insurance FAQs
For additional information about Dodge Viper auto insurance, explore the answers below.
Dodge Vipers tend to be more affordable to insure than similar sports cars. But everything is relative, and for many people, paying a monthly average of $175 for full coverage is relatively expensive.
A Dodge Viper costs an average of $134 per month to insure.
Dodge Vipers are considered reliable vehicles in terms of maintenance. But as a high-value older sports car, maintaining a Viper will be more expensive than a sedan.
In terms of safety, Vipers are notoriously not reliable. The high torque, low traction, and tricky handling make this car difficult to drive and potentially dangerous in the wrong hands.3
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Insurance Writer
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