Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in automa...

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Reviewed by Melanie Musson
Published Insurance Expert

UPDATED: Jan 10, 2022

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Just What's Essential

  • Rivian car insurance is only available to drivers who own at least one Rivian vehicle
  • Rivian insurance rates may be higher due to the vehicles’ all-electric capabilities and technology
  • Rivian offers discounted car insurance rates to drivers who regularly use the vehicles’ Driver+ and Highway Assist safety technologies

In 2019, more than 1 million drivers were sitting behind the wheel of an electric vehicles (EV). If you drive a hybrid or all-electric vehicle, we can help you find affordable car insurance right here. Fortunately, many EV manufacturers offer their own insurance plans to help drivers save money, including Rivian car insurance.

If you drive a Rivian R1T or R1S, you qualify for cheap Rivian car insurance rates. Keep reading to learn more about Rivian auto insurance policies, how to qualify, and find out if Rivian car insurance is available in your state.

Ready to compare Rivian car insurance against affordable car insurance companies in your area right now? Enter your ZIP code above to get free quotes from local companies today.

How much does Rivian insurance cost?

On average, electric car insurance rates range between $175-$225 per month. Your rates could be lower or higher depending on your driving record and where you live, but you should anticipate your Rivian car insurance quotes to be higher than average. Why?

Let’s take a closer look at the top two variables that will increase your Rivian car insurance rates:

  1. Car insurance is more expensive for new cars. Rivian is a brand new car manufacturer. The latest models of Rivian EV — the R1T electric pick-up truck — were shipped to their customers in October 2021. 
  2. EVs cost more to insure than gasoline-powered vehicles. EVs cost more to insure due to the technology and batteries used in place of the traditional engines in gas or diesel vehicles.

To keep electric car insurance costs as low as possible for its drivers, Rivian offers its own usage-based insurance policies and repair services. Rivian car insurance is also underwritten by Nationwide, which is cheaper than average in some states. 

Take a look at the table below to see how Nationwide compares to other top insurance companies in the country for different kinds of drivers:

Average Monthly Car Insurance Rates Based on Age, Gender, and Marital Status by Company
CompaniesMonthly Car Insurance Rates of a Single 17-Year-Old FemaleMonthly Car Insurance Rates of a Single 17-Year-Old MaleMonthly Car Insurance Rates of a Single 25-Year-Old FemaleMonthly Car Insurance Rates of a Single 25-Year-Old MaleMonthly Car Insurance Rates of a Married 35-Year-Old FemaleMonthly Car Insurance Rates of a Married 35-Year-Old MaleMonthly Car Insurance Rates of a Married 60-Year-Old FemaleMonthly Car Insurance Rates of a Married 60-Year-Old Male
USAA$401$449$166$177$129$128$121$121
State Farm$496$610$195$213$173$173$156$156
Travelers$776$1,071$194$208$182$183$171$173
American Family$500$678$191$225$184$185$166$168
Progressive$724$802$225$230$191$181$166$171
GEICO$471$523$198$189$192$193$187$190
Nationwide$480$598$224$241$197$199$178$185
Farmers$710$762$246$253$213$213$195$204
Allstate$774$887$285$298$263$260$243$249
Liberty Mutual$968$1,143$330$375$317$321$287$307

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You can see that car insurance rates vary considerably by age, gender, and even marital status. Fortunately, Rivian insurance looks at more than just these arbitrary variables.

Rivian is more interested in how you actually drive and determines rates based on your driving style. So, despite higher-than-average quotes due to the novelty of its EV, you could lower your Rivian car insurance rates with good driving habits.

Does Rivian car insurance offer discount programs?

Rivian car insurance is exclusive and only available to drivers who own a Rivian EV. As long as you own and insure at least one Rivian vehicle, you can apply Rivian coverage to other vehicles. 

You are also eligible for a bundling discount of up to 20% off your car insurance rates when you combine policies with Rivian home or renters insurance. 

Unfortunately, there is no list of Rivian car insurance discounts. Instead, the company offers discounted usage-based rates by tracking driving habits through the EVs’ Driver+ safety technology.

Rivian also offers an affordable, comprehensive Rivian Service Program for Rivian drivers that includes:

  • Vehicle loaner programs
  • Mobile repair and replacement services
  • Automatic remote system updates

The service also includes Rivian Remote Care, a remote diagnostic system that tracks EV performance. Rivian Technicians can diagnose and order replacement parts remotely and come directly to policyholders to repair or pick up vehicles. Drivers are offered a loaner vehicle from the company until repairs are finished.

While the Rivian Service Program doesn’t lower your rates initially, it can save you money later if you’re in an accident and need repairs. Other companies may charge more to replace or repair the expensive parts on an EV, but you may see cheaper full coverage car insurance rates from Rivian because the company offers these in-house repairs.

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How does Rivian car insurance work?

What is Rivian insurance? Rivian car insurance is designed specifically for all-electric adventure vehicles.

These types of EVs are designed to be driven off-road. Rivian especially is working to prove that EVs can be as rugged as their gasoline counterparts by launching an SUV and a pick-up truck as its first two models.

Since the more popular car insurance companies are slow to offer affordable policies for hybrid and all-electric vehicles, Rivian and other EV manufacturers, like Tesla, are offering their own insurance coverage.

Rivian car insurance policies cater to EVs, especially the company’s own R1T truck and R1S SUV and other types of off-road vehicles, including ATVs and campers. Rivian auto insurance alleviates expensive repair costs and rewards drivers for using the EVs’ telematics and automated driving features. 

For example, each Rivian EV is equipped with Driver+ safety technology. Driver+ technology offers automated driving assistance. Drivers are rewarded with cheaper Rivian car insurance rates the more often they use Driver+.

What does Rivian Driver+ include?

  • Cruise control
  • Automatic steering
  • Automatic braking and accelerating
  • Lane centering
  • Lane-change assistance
  • Towing assistance

When you buy Rivian car insurance, you automatically receive the Driver+ discount. And drivers who sign up for Driver+ Highway Assist are offered lower rates at their renewal period.

What kind of coverage does Rivian offer?

Rivian car insurance includes the minimum liability coverage you need in your state, as well as comprehensive and collision coverage. 

If it’s required in your state, you can also buy medical payments coverage (MedPay), personal injury protection (PIP), and uninsured/underinsured motorist protection (UMI) from Rivian.

Rivian also offers other types of property insurance, including homeowners and renters insurance. Rivian owners can also insure other types of vehicles, such as ATVs, boats, campers, and more. But in order to qualify for additional policies, you must own and insure at least one Rivian vehicle with Rivian car insurance.

Can I cover other vehicles with Rivian insurance?

Yes, Rivian auto insurance can be applied to other vehicles, not just the R1T and R1S. However, you must own at least one Rivian vehicle to buy Rivian car insurance.

Is Rivian car insurance coverage available in my state?

According to its website, Rivian car insurance is available in 46 states and Washington D.C. The company anticipates that coverage will be available nationwide by the end of 2022.

However, it’s important to note that some states have laws prohibiting car manufacturers from offering insurance coverage for their own vehicles. This means that you can still buy a Rivian EV, but you cannot purchase Rivian insurance coverage. 

Research your state laws to determine if you live in a Rivian insurance state or speak with a Rivian representative to confirm coverage is legally available where you live.

What are Rivian’s financial and customer service ratings?

Rivian isn’t a large enough company to have its own A.M. Best rating yet, but financially, the company is supported by Nationwide, Ford Motor Company, and Amazon. Rivian Nationwide underwriting can give you an idea of its financial outlook. 

Take a look at the table below to see how the largest companies compare:

AM Best and Financial Strength Ratings for the Top Car Insurers in the U.S.

Auto Insurance CompanyA.M. Best RatingsDirect Premiums Written (in Billions)Market Shares (in Percent)Loss Ratios (in Percent)
AllstateA+ (Superior)$22.7 (↑)9.19 (↓)56 (↓)
American FamilyA (Excellent)$4.7 (↑)1.9 (↑)69 (~)
FarmersA (Excellent)$10.5 (↑)4.26 (↓)61 (~)
GEICOA++ (Superior)$33.1 (↑)13.41 (↑)71 (~)
Liberty MutualA (Excellent)$11.8 (↑)4.77 (↓)62 (~)
NationwideA+ (Superior)$6.7 (↓)2.73 (↓)58 (↓)
ProgressiveA+ (Superior)$27.1 (↑)10.97 (↑)62 (~)
State FarmA++ (Superior)$41.9 (↑)17.01 (↓)63 (↓)
TravelersA++ (Superior)$4.7 (↑)1.9 (↑)60 (~)
USAA (Military & Family Members)A++ (Superior)$14.5 (↑)5.87 (↑)77 (~)

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Nationwide earned an A+ rating, meaning it has the financial ability to pay out on its claims and any Rivian insurance claims. You may also notice that Nationwide isn’t the biggest company on this list. But despite a smaller market share, overall, Rivian customer reviews are very positive. 

Rivian’s NAIC score is 0.53, meaning it sees half the complaints of other companies its size. However, Rivian is new to the market and has plenty of time to make mistakes in this industry. Fortunately, trends show that drivers are more interested in buying electric vehicles, and Rivian’s car insurance program may make them the more popular choice with consumers looking to save money.

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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How To Get Rivian Car Insurance Quotes

Rivian car insurance quotes are exclusively available to drivers who own a Rivian EV. If you own a Rivian vehicle, call the Rivian car insurance number at 1-888-748-4261 to speak with an agent. Call this number to file a claim, change your coverage, or cancel your policy as well.

Drivers cannot get Rivian car insurance quotes online or make policy changes online. You must call 1-888-748-4261 to speak with an insurance agent.

If you are interested in purchasing a Rivian EV, you can start the process online at the company’s website. There are Rivian financing options available in certain states.

But remember — as you shop around for affordable Rivian car insurance, you could pay up to $225 per month or more for coverage. Fortunately, you can lower your Rivian car insurance rates by using Rivian’s Driver+ and Highway Assist technology. You can also bundle your policies with Rivian homeowners or renters insurance for up to 20% off your rates. 

Before you call to buy Rivian car insurance, compare quotes online from multiple companies. Electric car insurance costs more than coverage for a gas-powered vehicle, and you want to find the best deal possible. The easiest way to find the cheapest Rivian auto insurance quotes is to comparison shop with multiple companies at once. Enter your ZIP code below to compare local insurance companies today for free.