2023 Rivian R1S Car Insurance Calculator

Explore and understand how different driver and vehicle factors impact the cost of car insurance for a 2023 Rivian R1S. Adjust factors such as policy coverages, liability limits, deductibles, and driver's age. Instantly see how changes you make impact the rate.

The average estimated car insurance premium for a 2023 Rivian R1S is $2,790 per year, or about $233 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$2,790

Cost Per Month

$233

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

Rivian R1S Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a 2023 Rivian R1S.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$2,790
Average Rate
Your Rate
$2,790

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

The 'Average Rate' is a combined value for all 2023 Rivian R1S trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2023 Rivian R1S is $2,790.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2023 Rivian R1S vs. the Midsize SUV Segment

The table below compares insurance rates for the 2023 Rivian R1S against all other models in the midsize SUV segment. The Rivian R1S is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the Rivian R1S, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Rivian R1S.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2023 Rivian R1S Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Honda Passport$1,774-$1,016
2Subaru Ascent$1,854-$936
3Ford Edge$1,932-$858
4Volkswagen Atlas$1,946-$844
5Ford Explorer$1,950-$840
6Nissan Murano$1,958-$832
7Subaru Outback$1,964-$826
8Volkswagen Atlas Cross Sport$2,036-$754
9Toyota Venza$2,076-$714
10Kia Sorento$2,092-$698
11Hyundai Palisade$2,118-$672
12Toyota 4Runner$2,134-$656
13GMC Acadia$2,168-$622
14Chevrolet Traverse$2,174-$616
15Honda Pilot$2,192-$598
16Buick Enclave$2,196-$594
17Nissan Pathfinder$2,210-$580
18Mazda CX-9$2,220-$570
2023 Midsize SUV Average$2,227-$563
19Mitsubishi Outlander Sport$2,252-$538
20Kia Telluride$2,266-$524
21Toyota Highlander$2,284-$506
22Chevrolet Blazer$2,306-$484
23Hyundai Santa Fe$2,336-$454
24Jeep Grand Cherokee$2,420-$370
25Jeep Cherokee$2,464-$326
26Jeep Wrangler$2,514-$276
27Ford Bronco$2,536-$254
28Tesla Model Y$2,548-$242
29Mitsubishi Outlander PHEV$2,606-$184
30Dodge Durango$2,708-$82
31Rivian R1S$2,790--

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2023 R1S Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2023 Rivian R1S.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2023 Rivian R1S Insurance Rates by Trim Level
2023 Rivian R1S Trim Level Annual Premium Cost Per Month
Adventure Dual-Motor Standard$2,694$225
Adventure Dual-Motor Large$2,786$232
Adventure Quad-Motor Large$2,890$241

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2023 Rivian R1S for different driver ages.

2023 Rivian R1S Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$9,720$810
17$9,454$788
18$8,544$712
19$7,766$647
20$5,979$498
21$5,711$476
22$5,131$428
23$4,205$350
24$3,983$332
25$3,242$270
30$2,980$248
35$2,864$239
40$2,790$233
45$2,602$217
50$2,462$205
55$2,298$192
60$2,304$192
65$2,448$204
70$2,630$219
75$3,068$256
80$3,762$314

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all Rivian R1S trim levels.