- The average Rivian R1T insurance cost is $2,992 per year, or $249 per month for full coverage.
- The R1T Adventure Dual-Motor Standard model is the cheapest to insure at around $2,812 per year. The most expensive trim is the Adventure Quad-Motor Max at $3,148 per year.
- The Rivian R1T is one of the more expensive midsize trucks to insure, costing $570 more per year on average as compared to the rest of the vehicles in the segment.
How much does Rivian R1T insurance cost?
Rivian R1T insurance averages around $2,992 annually for full coverage. With MSRP ranging from $73,000 to $97,000 for the 2024 model, monthly insurance rates range from $234 to $262.
The next chart details how R1T insurance prices can be vary based on different driver ages and policy deductible amounts. Average insurance cost for a 2024 R1T in the example below ranges from $2,056 per year for a 60-year-old driver with $1,000 deductibles to $7,012 per year for a 20-year-old driver with a low-deductible policy.
As mentioned above, the cost of insurance depends on the trim level of R1T you’re insuring. The less-expensive (relatively) Explore model has the cheapest average rates, while the most expensive Adventure model with the Max battery has the highest rates.
| 2024 Rivian R1T Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| Adventure Dual-Motor Standard | $2,812 | $234 |
| Adventure Dual-Motor Large | $2,916 | $243 |
| Adventure Quad-Motor Large | $3,030 | $253 |
| Adventure Dual-Motor Max | $3,058 | $255 |
| Adventure Quad-Motor Max | $3,148 | $262 |
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 October 24, 2025
Where does R1T insurance cost rank?
The Rivian R1T ranks 10th out of 10 comparison vehicles in the midsize truck category for car insurance affordability. The R1T has an average yearly insurance cost of $2,992 per year while the average cost for the mid-size truck segment is $2,422 annually, a difference of $570 per year.
Average auto insurance rates for a Rivian R1T cost $564 more per year than the Toyota Tacoma, $878 more than the Chevrolet Colorado, and $700 more than the Ford Ranger.
The following table shows how average R1T car insurance rates compare to the rest of the 2024 mid-size pickup segment. We also include compact trucks in this comparison, as currently there are only two models, the Ford Maverick and Hyundai Santa Cruz.
| Rank | Make and Model | Annual Premium | Difference |
|---|---|---|---|
| 1 | Chevrolet Colorado | $2,114 | -$878 |
| 2 | Nissan Frontier | $2,270 | -$722 |
| 3 | Ford Ranger | $2,292 | -$700 |
| 4 | Ford Maverick | $2,328 | -$664 |
| 5 | Honda Ridgeline | $2,380 | -$612 |
| 6 | Hyundai Santa Cruz | $2,420 | -$572 |
| 7 | Toyota Tacoma | $2,428 | -$564 |
| 8 | GMC Canyon | $2,468 | -$524 |
| 9 | Jeep Gladiator | $2,528 | -$464 |
| 10 | Rivian R1T | $2,992 | -- |
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 October 24, 2025
