Rivian Car Insurance Cost for 2025: Rates, Comparisons, Insights

How much does it cost to insure Rivian vehicles? We break down average rates for the R1S and R1T plus compare them to the competition.

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Rivian is the newcomer to the electric vehicle space, with two models currently available for order. The R1S is a mid-size SUV and the R1T is the mid-size pickup version.

The table below shows estimated annual and monthly car insurance rates for both models, and detailed insurance data for each can be found by clicking on either one.

Average Insurance Cost for Rivian Vehicles
Model Annual Premium Cost Per Month
Rivian R1S$2,882$240
Rivian R1T$2,922$244

How much does Rivian insurance cost?

Average insurance cost for the Rivian R1S SUV is $2,882 per year, while insurance on the R1T model averages $2,922 per year.

Rates vary based on the trim level of vehicle you’re insuring, with the R1S starting at $2,780 per year for the $78,000 Adventure Dual-Motor Standard model, and going up to $2,986 per year for the $92,000 Adventure Quad-Motor Large model.

For the R1T truck, car insurance cost starts at $2,746 per year for the $73,000 Adventure Dual-Motor Standard model, and going up to $3,074 per year for the $97,000 Adventure Quad-Motor Max model.

The table below shows how other popular automotive brands compare to Rivian for average car insurance cost.

Rivian is featured in the first row at an annual cost of $2,902. Each brand is compared to Rivian in the subsequent rows, with the cost difference highlighted in either green or red.

If the difference value is red, the comparison brand cost more to insure than Rivian on average. If the value is green, then Rivian insurance is actually cheaper than the comparison brand.

Rivian Car Insurance Cost vs. Popular Automotive Brands
Automotive Brand Insurance Cost Difference
Rivian$2,902--
Acura$2,202-$700
Audi$3,025$123
BMW$3,070$168
Cadillac$2,518-$384
Chevrolet$2,370-$532
Ford$2,441-$461
Genesis$2,798-$104
GMC$2,435-$467
Honda$2,123-$779
Hyundai$2,314-$588
Infiniti$2,456-$446
Jaguar$2,883-$19
Jeep$2,558-$344
Kia$2,259-$643
Land Rover$3,065$163
Lexus$2,601-$301
Lincoln$2,587-$315
Mazda$2,240-$662
Mercedes-Benz$3,386$484
Subaru$2,229-$673
Tesla$2,839-$63
Toyota$2,400-$502
Volkswagen$2,187-$715
Volvo$2,620-$282

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Insurance cost is averaged for all models for the 2024 model year for each automobile manufacturer. Updated June 27, 2025

Average cost of Rivian insurance ($2,902 per year) compared to other automotive manufacturers
Average cost of Rivian insurance ($2,902 per year) compared to other automotive manufacturers

As shown in the table, insurance for a Rivian vehicle tends to be more expensive than most mainstream non-luxury automakers. For higher-end luxury brands like Audi, BMW, and Mercedes-Benz, Rivian tends to be cheaper to insure.

Is Rivian or Tesla cheaper to insure?

The most apples-to-apples car insurance cost comparison is between Rivian and Tesla. For 2024 models, Rivian insurance costs an average of $63 or 2.2% more than Tesla insurance.

This may have something to do with the higher average purchase price for Tesla models. The Tesla Model 3 is cheaper than anything offered by Rivian, however the Model S Plaid and all versions of the Model X have higher MSRPs than Rivian models.

In addition, Rivian insurance rates will adjust after the wheels hit the road, so to speak. Higher repair costs or more likelihood of passenger injuries in an accident are factors that could push Rivian rates higher down the road. Conversely, a great track record of safety and low medical insurance claims could bring rates down.