Rivian R1S Insurance Cost for 2022

How much does car insurance for a Rivian R1S cost? We analyze average rates for the Explore and Adventure models to see how they rank.

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  • Car insurance on a Rivian R1S costs around $1,888 per year, $944 for a 6-month policy, or around $157 per month.
  • The cheapest trim level of Rivian R1S to insure is the Explore Dual-Motor model at $1,804 per year.
  • Ranked #29 out of 29 vehicles in the midsize SUV segment, average car insurance rates for the Rivian R1S cost $356 more per year than the segment average.

How much does Rivian R1S insurance cost?

Rivian R1S insurance averages $1,888 per year. Cost per month ranges from $150 to $164, depending on the trim level being insured. The cheapest Explore Dual-Motor trim (MSRP of $72,500) is the cheapest model to insure, while the more expensive Adventure Quad-Motor model (MSRP of $90,000) 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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2022 model year Rivian R1S with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Rates are averaged across all U.S. states and all Rivian R1S trim levels.Data last updated on April 20, 2022
Rivian R1S Insurance Cost Summary
Rivian R1S Insurance Cost Summary
Driver Risk Profile Annual Rate Monthly Rate
High Risk Driver Age 30$4,258$355
Safe Driver Age 20$3,732$311
At-fault Accidents Age 40$2,642$220
Low Deductibles Age 40$2,494$208
Safe Driver Age 30$2,002$167
Safe Driver Age 40$1,888$157
Safe Driver Age 50$1,716$143
Safe Driver Age 60$1,682$140
High Deductibles Age 40$1,574$131
Discount Rate Age 40$1,568$131

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.

2022 Rivian R1S Insurance Cost by Trim Level
Rivian R1S Trim Level Annual Policy 6-month Policy Per Month
Explore Dual-Motor$1,804$902$150
Adventure Dual-Motor$1,860$930$155
Explore Quad-Motor$1,922$961$160
Adventure Quad-Motor$1,968$984$164

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2022 Rivian R1S, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on March 24, 2022
Rivian R1S Insurance Cost by Trim Level

How do Rivian R1S insurance prices compare?

When compared to other midsize SUVs, insurance rates for a Rivian R1S cost $220 more per year than the Jeep Grand Cherokee, $364 more than the Toyota Highlander, and $96 more than the Tesla Model Y.

The Rivian R1S ranks #29 out of 29 total vehicles in the 2022 midsize SUV segment for car insurance affordability. The R1S costs an average of $1,888 per year for a car insurance policy with full coverage, while the category median price is $1,532 per year, a difference of $356 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.

Insurance Cost Comparison: Rivian R1S vs Midsize SUVs
Rank Make/Model Insurance Cost Difference
1Honda Passport$1,218-$670
2Subaru Ascent$1,300-$588
3Ford Edge$1,364-$524
4Subaru Outback$1,388-$500
5Nissan Murano$1,406-$482
6Toyota Venza$1,414-$474
7Ford Explorer$1,422-$466
8Kia Sorento$1,432-$456
9Hyundai Palisade$1,452-$436
10Volkswagen Atlas$1,462-$426
11Toyota 4Runner$1,476-$412
12Volkswagen Atlas Cross Sport$1,514-$374
13Mazda CX-9$1,518-$370
14GMC Acadia$1,520-$368
15Toyota Highlander$1,524-$364
16Nissan Pathfinder$1,530-$358
17Honda Pilot$1,534-$354
18Mitsubishi Outlander Sport$1,538-$350
19Buick Enclave$1,552-$336
20Chevrolet Traverse$1,560-$328
21Hyundai Santa Fe$1,578-$310
22Kia Telluride$1,586-$302
23Chevrolet Blazer$1,600-$288
24Jeep Grand Cherokee$1,668-$220
25Jeep Cherokee$1,680-$208
26Mitsubishi Outlander PHEV$1,754-$134
27Dodge Durango$1,772-$116
28Tesla Model Y$1,792-$96
29Rivian R1S$1,888--

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on March 24, 2022
Insurance Cost Comparison: Rivian R1S vs Midsize SUVs