Rivian R1T Car Insurance Rates for 2022

How much does Rivian R1T car insurance cost? We break down insurance rates from the base R1T Explore up to the Adventure Max to discover how prices measure up to the midsize truck segment.

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  • The average Rivian R1T insurance cost is $1,938 per year, or $162 per month for full coverage.
  • The R1T Explore Dual-Motor model is the cheapest to insure at around $1,792 per year. The most expensive trim is the Adventure Quad-Motor Max at $2,034 per year.
  • The Rivian R1T is one of the more expensive midsize trucks to insure, costing $474 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 $1,938 annually for full coverage. With MSRP ranging from $67,500 to $95,000 for the 2022 model, monthly insurance rates range from $149 to $170.

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 2022 R1T in the example below ranges from $1,442 per year for a 60-year-old driver with $1,000 deductibles to $4,502 per year for a 20-year-old driver with a low-deductible policy.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average insurance cost for a 2022 Rivian R1T with safe driver and claim-free discounts applied. Rates are for full-coverage insurance and averaged for all U.S. states and all Rivian R1T trim levels.Data last updated on August 30, 2022
Rivian R1T Car Insurance Rates
Rivian R1T Insurance Cost by Driver Age and Deductibles
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$3,208$267
$500$3,838$320
$250$4,502$375
30$1,000$1,702$142
$500$2,058$172
$250$2,426$202
40$1,000$1,614$135
$500$1,938$162
$250$2,276$190
50$1,000$1,470$123
$500$1,762$147
$250$2,064$172
60$1,000$1,442$120
$500$1,728$144
$250$2,026$169

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.

2022 Rivian R1T Insurance Cost by Trim Level
Rivian R1T Trim Level Annual Policy 6-month Policy Per Month
Explore Dual-Motor$1,792$896$149
Adventure Dual-Motor$1,856$928$155
Explore Quad-Motor$1,918$959$160
Explore Dual-Motor Max$1,952$976$163
Adventure Quad-Motor$1,966$983$164
Adventure Dual-Motor Max$1,994$997$166
Explore Quad-Motor Max$2,000$1,000$167
Adventure Quad-Motor Max$2,034$1,017$170

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2022 Rivian R1T, 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 August 30, 2022
Rivian R1T Insurance Cost by Trim Level

Where does R1T insurance cost rank?

The Rivian R1T ranks #10 out of 10 comparison vehicles in the midsize truck category for car insurance affordability. The R1T has an average yearly insurance cost of $1,938 per year while the average cost for the mid-size truck segment is $1,464 annually, a difference of $474 per year.

Average auto insurance rates for a Rivian R1T cost $524 more per year than the Toyota Tacoma, $682 more than the Chevrolet Colorado, and $584 more than the Ford Ranger.

The following table shows how average R1T car insurance rates compare to the rest of the 2022 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/Model Insurance Cost Difference
1Chevrolet Colorado$1,256-$682
2Ford Maverick$1,304-$634
3Ford Ranger$1,354-$584
4Toyota Tacoma$1,414-$524
5Nissan Frontier$1,452-$486
6Hyundai Santa Cruz$1,464-$474
7GMC Canyon$1,470-$468
8Honda Ridgeline$1,486-$452
9Jeep Gladiator$1,498-$440
10Rivian R1T$1,938--

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 August 30, 2022
Rivian R1T Insurance Cost Comparison