How Much Does Rivian Insurance Cost? Rates and Discounts

Electric vehicle manufacturer Rivian offers its own brand of auto insurance, but the actual coverage comes from Progressive, Nationwide or Cincinnati Insurance.

The benefit of having coverage through the manufacturer is that you have a direct link to parts and labor if you need repairs covered by insurance. This could mean lower rates and a smoother experience.

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How does Rivian Insurance work?

Rivian Insurance works the same way as most car insurance. You select the coverage you want, bundle other policies, get a quote and file a claim like normal.

Your coverage will come from Progressive, Nationwide or Cincinnati Insurance, depending on where you live.

If you are in an accident, you’ll mainly work with the company backing your policy, not Rivian. But the connection you have to the carmaker means you have better access when it comes to repairs. Rivian Insurance also has the stand-out option: You can get a discount using your Rivian's safety features.

Insurance rates for Rivians by model

The cheapest Rivian to insure is the truck, the R1T. You’ll pay $253 per month, on average, across the Adventure trim and the Ascend trim. If you prefer the SUV model, you’ll pay about 17% more, $297 per month, for full coverage.

As a young car company, Rivian offers only two models, a pickup and an SUV. But you can mix and match battery size, trims and the number of electric motors.

Typical full coverage car insurance costs $175, but electric vehicles are more expensive to repair. The average full coverage insurance policy for a Rivian costs 56% more — $273 a month.

Insurance costs for Rivians by company

Nationwide tends to have the cheapest car insurance for Rivian owners — $168 per month for full coverage. That's 38% cheaper than the average rate of $273 per month on a Rivian. Geico also offers monthly rates that are lower than average, at $225 a month.

The most expensive coverage is from Cincinnati Insurance, at around $347 monthly.

Getting quotes from multiple companies is the best way to make sure you're not overpaying.

Cost to insure a Rivian R1T truck

The cheapest Rivian to insure is the 2025 R1T Ascend. The average full coverage policy for this model costs $234 a month. The most expensive Rivian truck to insure is only $29 more.

Cost to insure a Rivian R1S SUV

There is only a $5 difference in the average monthly insurance prices for the Rivian SUV models. The 2025 R1S Ascend is the most expensive to insure at $300 per month. Insuring the 2024 R1S Adventure costs $295, on average.

Rivian insurance discounts

Your discount options depend on which insurance company provides your coverage. Progressive, Nationwide and Cincinnati Insurance all offer:

Each company also offers other discounts that you could get.

Rivian Driver Assist Discount

If Nationwide writes the policy you get from Rivian Insurance, you can earn a discount by using the Driver+ features. You don't have to sign up for this program. But, if you do, you must let the insurance company track you, and you have to drive well, using the safety features:

The more you use the active safety features, the larger your discount may be.

When you let an insurance company track your driving, it’s called usage-based insurance. Many insurance companies have these programs. One of the most popular is State Farm Drive Safe & Save.

Progressive and Cincinnati Insurance offer their own versions: Snapshot and RideWell. But they don't integrate with your Rivian. Instead, they track your driving with a mobile app.

Frequently asked questions

Sources and methodology

Information about the coverage Rivian offers came from the company's website, Nationwide, Cincinnati Insurance and Progressive.

Insurance rate data is from Quadrant Information Services. For the national average car insurance price, quotes were pulled from 39 of the largest insurance companies across all available ZIP codes in all 50 states and Washington, D.C. Quotes are for a 30-year-old man with a 2015 Honda Civic EX and good credit.

Full coverage policies include policies that were set at:

This full coverage definition was also used for Rivian insurance quotes.

Rivian quotes were pulled from the largest insurance companies that operate in Ohio, plus the companies that underwrite for Rivian Insurance. Rates were pulled for all Ohio ZIP codes and averaged.

Quotes on Rivian vehicles were for full coverage on the following models:

These rates were publicly sourced from insurer filings and should be used for comparative purposes only.