2023 Rivian R1T Car Insurance Calculator

Learn visually how different driver and vehicle factors impact the cost of insurance for a 2023 Rivian R1T. Tailor settings like coverage amounts, annual mileage, and vehicle usage to see their impact on rates. Immediately see if your change increases or decreases premiums and why.

The average estimated car insurance premium for a 2023 Rivian R1T is $2,836 per year, or about $236 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

$2,836

Cost Per Month

$236

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 R1T 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 R1T.

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.

$2,836
Average Rate
Your Rate
$2,836

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 R1T 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 R1T is $2,836.

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 R1T vs. the Midsize Truck Segment

The table below compares insurance rates for the 2023 Rivian R1T against all other models in the midsize truck segment. The Rivian R1T 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 R1T, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Rivian R1T.

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

2023 Rivian R1T Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Ford Maverick$1,886-$950
2Chevrolet Colorado$1,896-$940
3Nissan Frontier$1,964-$872
4Ford Ranger$2,018-$818
5GMC Canyon$2,066-$770
6Toyota Tacoma$2,078-$758
7Hyundai Santa Cruz$2,116-$720
2023 Midsize Truck Average$2,149-$687
8Honda Ridgeline$2,260-$576
9Jeep Gladiator$2,366-$470
10Rivian R1T$2,836--

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 R1T Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2023 Rivian R1T.

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 R1T Insurance Rates by Trim Level
2023 Rivian R1T Trim Level Annual Premium Cost Per Month
Adventure Dual-Motor Standard$2,666$222
Adventure Dual-Motor Large$2,762$230
Adventure Quad-Motor Large$2,872$239
Adventure Dual-Motor Max$2,898$242
Adventure Quad-Motor Max$2,982$249

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 R1T for different driver ages.

2023 Rivian R1T Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$9,869$822
17$9,603$800
18$8,686$724
19$7,891$658
20$6,078$507
21$5,806$484
22$5,219$435
23$4,272$356
24$4,050$338
25$3,294$275
30$3,032$253
35$2,912$243
40$2,836$236
45$2,644$220
50$2,502$209
55$2,334$195
60$2,340$195
65$2,490$208
70$2,672$223
75$3,116$260
80$3,818$318

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 R1T trim levels.