Rivian R1T Car Insurance Rates for 2025: Compare Cost and Quotes

How much will it cost to insure a Rivian R1T?

We investigated the average cost for the Adventure Dual-Motor Standard trim up to the Adventure Quad-Motor Max model to discover how insurance rates on a R1T measure up to the competition.

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  • The average Rivian R1T insurance cost is $2,922 per year, or $244 per month for full coverage.
  • The R1T Adventure Dual-Motor Standard model is the cheapest to insure at around $2,746 per year. The most expensive trim is the Adventure Quad-Motor Max at $3,074 per year.
  • The Rivian R1T is one of the more expensive midsize trucks to insure, costing $557 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 $2,922 annually for full coverage. With MSRP ranging from $73,000 to $97,000 for the 2024 model, monthly insurance rates range from $229 to $256.

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 $2,006 per year for a 60-year-old driver with $1,000 deductibles to $6,842 per year for a 20-year-old driver with a low-deductible policy.

Average 2024 Rivian R1T car insurance premiums for different driver ages and policy deductibles.
Figure 1: Average 2024 Rivian R1T car insurance premiums for different driver ages and policy deductibles. Rates updated on June 27, 2025.

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Data Methodology: Average premiums are based on a 2024 model year Rivian R1T. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision coverage is included as well as UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels.

2024 Rivian R1T Insurance Cost by Driver Age and Deductibles
Driver Age Policy Deductible Annual Premium Cost Per Month
20-Year-Old$1,000$4,858$405
$500$5,824$485
$250$6,842$570
30-Year-Old$1,000$2,582$215
$500$3,124$260
$250$3,690$308
40-Year-Old$1,000$2,422$202
$500$2,922$244
$250$3,442$287
50-Year-Old$1,000$2,146$179
$500$2,576$215
$250$3,026$252
60-Year-Old$1,000$2,006$167
$500$2,410$201
$250$2,830$236

Data Methodology: Rated driver has no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for the 2024 Rivian R1T. Updated June 27, 2025

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 Insurance Rates by Trim Level
2024 Rivian R1T Trim Level Annual Premium Cost Per Month
Adventure Dual-Motor Standard$2,746$229
Adventure Dual-Motor Large$2,846$237
Adventure Quad-Motor Large$2,960$247
Adventure Dual-Motor Max$2,988$249
Adventure Quad-Motor Max$3,074$256

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

Insurance cost by trim level for a 2024 Rivian R1T ranging from the Adventure Dual-Motor Standard model at $2,746 per year to the Adventure Quad-Motor Max model at $3,074
Insurance cost by trim level for a 2024 Rivian R1T ranging from the Adventure Dual-Motor Standard model at $2,746 per year to the Adventure Quad-Motor Max model at $3,074

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 $2,922 per year while the average cost for the mid-size truck segment is $2,365 annually, a difference of $557 per year.

Average auto insurance rates for a Rivian R1T cost $550 more per year than the Toyota Tacoma, $858 more than the Chevrolet Colorado, and $684 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.

Rivian R1T Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Chevrolet Colorado$2,064-$858
2Nissan Frontier$2,216-$706
3Ford Ranger$2,238-$684
4Ford Maverick$2,272-$650
5Honda Ridgeline$2,324-$598
6Hyundai Santa Cruz$2,364-$558
7Toyota Tacoma$2,372-$550
8GMC Canyon$2,412-$510
9Jeep Gladiator$2,468-$454
10Rivian R1T$2,922--

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

At $2,922 per year, insurance cost for a 2024 Rivian R1T ranks 10th out of 10 models in the midsize truck segment
At $2,922 per year, insurance cost for a 2024 Rivian R1T ranks 10th out of 10 models in the midsize truck segment