- Car insurance on a Rivian R1S costs around $2,882 per year, $1,441 for a 6-month policy, or around $240 per month.
- The cheapest trim level of Rivian R1S to insure is the Adventure Dual-Motor Standard model at $2,780 per year.
- Ranked 34th out of 34 vehicles in the midsize SUV segment, average car insurance rates for the Rivian R1S cost $568 more per year than the segment average.
How much does Rivian R1S insurance cost?
Rivian R1S insurance averages $2,882 per year. Cost per month ranges from $232 to $249, depending on the trim level being insured. The cheapest Adventure Dual-Motor Standard trim (MSRP of $78,000) is the cheapest model to insure, while the more expensive Adventure Quad-Motor Large model (MSRP of $92,000) costs the most to insure.
The cost summary chart below shows average yearly car insurance rates for a R1S using a variety of different risk scenarios.
The rate table below details the estimated annual and 6-month policy costs, in addition to a monthly budget estimate, for the Explore and Adventure R1S models.
| 2024 Rivian R1S Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| Adventure Dual-Motor Standard | $2,780 | $232 |
| Adventure Dual-Motor Large | $2,878 | $240 |
| Adventure Quad-Motor Large | $2,986 | $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. Updated June 27, 2025
How do Rivian R1S insurance prices compare?
When compared to other midsize SUVs, insurance rates for a Rivian R1S cost $540 more per year than the Jeep Grand Cherokee, $750 more than the Toyota Highlander, and $290 more than the Tesla Model Y.
The Rivian R1S ranks 34th out of 34 total vehicles in the 2024 midsize SUV segment for car insurance affordability. The R1S costs an average of $2,882 per year for a car insurance policy with full coverage, while the category median price is $2,314 per year, a difference of $568 per year.
The following table shows how car insurance rates for a Rivian R1S compare to the rest of the midsize SUV market, including the Tesla Model Y.
| Rank | Make and Model | Annual Premium | Difference |
|---|---|---|---|
| 1 | Honda Passport | $1,866 | -$1,016 |
| 2 | Nissan Murano | $1,968 | -$914 |
| 3 | Subaru Outback | $1,994 | -$888 |
| 4 | Buick Envista | $2,004 | -$878 |
| 5 | Subaru Ascent | $2,038 | -$844 |
| 6 | Volkswagen Atlas | $2,078 | -$804 |
| 7 | Volkswagen Atlas Cross Sport | $2,086 | -$796 |
| 8 | Ford Explorer | $2,124 | -$758 |
| 9 | Toyota Highlander | $2,132 | -$750 |
| 10 | Toyota Venza | $2,136 | -$746 |
| 11 | Chevrolet Traverse | $2,186 | -$696 |
| 12 | Mitsubishi Outlander Sport | $2,198 | -$684 |
| 13 | Mitsubishi Outlander PHEV | $2,210 | -$672 |
| 14 | Ford Edge | $2,214 | -$668 |
| 15 | Kia Sorento | $2,222 | -$660 |
| 16 | GMC Acadia | $2,262 | -$620 |
| 17 | Buick Enclave | $2,266 | -$616 |
| 18 | Honda Pilot | $2,280 | -$602 |
| 19 | Mazda CX-9 | $2,286 | -$596 |
| 20 | Jeep Grand Cherokee | $2,342 | -$540 |
| 21 | Hyundai Santa Fe | $2,382 | -$500 |
| 22 | Nissan Pathfinder | $2,384 | -$498 |
| 23 | Hyundai Palisade | $2,394 | -$488 |
| 24 | Chevrolet Blazer | $2,416 | -$466 |
| 25 | Kia Telluride | $2,444 | -$438 |
| 26 | Toyota 4Runner | $2,510 | -$372 |
| 27 | Mazda CX-90 | $2,522 | -$360 |
| 28 | Toyota Grand Highlander | $2,552 | -$330 |
| 29 | Kia EV9 | $2,568 | -$314 |
| 30 | Tesla Model Y | $2,592 | -$290 |
| 31 | Ford Bronco | $2,600 | -$282 |
| 32 | Jeep Wrangler | $2,676 | -$206 |
| 33 | Dodge Durango | $2,872 | -$10 |
| 34 | Rivian R1S | $2,882 | -- |
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 vehicle from the 2024 model year. Updated June 27, 2025
