Rivian Car Insurance Review (2022)

Rivian car insurance rates are about $300 per month for Rivian R1T and $275 for Rivian R1S. However, you can reduce monthly rates by at least 15% with the right company. Nationwide and several other insurance companies underwrite Rivian auto insurance coverage. To secure the best deal on Rivian car insurance, shop around and compare multiple companies.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent Brad Larsen

UPDATED: Jan 4, 2022

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Rivian Automotive, Inc. Summary
FounderRobert "RJ" Scaringe
Headquarters13250 North Haggerty Rd., Plymouth, MI 48170
Number of EmployeesAround 10,000
Phone Number1-888-748-4268
Stock SymbolRIVN
Total Assets$4.6 Billion
Email[email protected]
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Did you know Rivian Automotive provides auto insurance for its electric vehicles? You can secure Rivian auto insurance through the company and skip the hassle of shopping for coverage.

But how much are Rivian car insurance rates? Can you get Rivian auto insurance quotes online? Don’t worry – we’re here to help.

Read our Rivian car insurance review to learn everything about the Michigan-based company. Also, we’ll tell you which car insurance companies underwrite insurance for Rivian vehicles.

After you learn everything about Rivian car insurance, enter your ZIP code in the free online tool above to compare multiple insurance companies near you.

How much is Rivian car insurance?

Rivian auto insurance rates are about $300 a month for some drivers. However, your Rivian car insurance quotes will vary.

Like all insurance companies, Rivian considers things like your driving record and where you live when calculating rates. However, as a usage-based program, there are ways to save.

Why is Rivian car insurance so expensive?

One of the reasons Rivian auto insurance quotes are so unpredictable is because of Rivian’s vehicle value.

Two Rivian vehicle types exist from Rivian Automotive, Inc., which are Rivian R1S and R1T.

Here’s a quick look into each vehicles’ value and other stats you should know about.

Rivian Vehicle Types
Vehicle DetailsR1TR1S
Starting price$64,000$70,000
Miles per battery charge314 miles316 miles
Recommended wheel size21 inch21 inch
Towing capacity11,000 lbs7,700 lbs
Wading depth3 feet3 feet
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Rivian cars are just as strong as most standard trucks and SUVs, but the parts that make the vehicles are more expensive. Therefore, Rivian car insurance costs more than average.

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Is Rivian car insurance more expensive than Tesla car insurance?

Rivian and Tesla are the electric vehicle leaders, but Tesla has done a better job with insurance relations with various companies.

Due to Tesla’s popularity and the fact that it has been around longer, it’s easier to locate Tesla car insurance quotes. But is Tesla auto insurance cheaper than Rivian auto insurance?

Let’s compare the latest insurance projections for Rivian and Tesla vehicles.

Tesla vs. Rivian Car Insurance Rates
Electric CarsMonthly Rates
Tesla Model 3$147
Tesla Model S$180
Rivian R1S$275
Rivian R1T$300
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Tesla auto insurance rates are about $100 less than Rivian. But when you buy Rivian car insurance, your rates will vary.

What are the best Rivian car insurance discounts?

Rivian doesn’t list many discounts on its website, but you may be able to get a deal through an underwriter.

Nationwide is one of Rivian’s main underwriters for auto insurance. You can secure a few discounts when you insure an electric car through the Nationwide Mutual Insurance Company.

Let’s examine the available auto insurance deals.

  • Anti-lock brakes (ABS) discount
  • Anti-theft discount
  • Electric vehicle discount
  • Multi-policy discount
  • Passive restraint discount
  • Renewal discount
  • Seatbelt discount

The Rivian website does mention a 15% drop in auto insurance rates when you renew your Rivian insurance policy. All other available discounts depend on the company that holds your policy.

How do you save money using Rivian’s Drive+?

You can take Rivian auto insurance savings a step further by utilizing Rivian’s Drive+ features.

Drive+ is a built-in driving program equipped with a 360-degree vision, five radars, 11 cameras, and 12 ultrasonic sensors.

These tools alert Rivian owners when they’re close to a vehicle and assist in preventing hard braking.

Rivian Insurance Services, LLC provides a deal on auto insurance rates when you use the Drive+ program.

Can I bundle Rivian car insurance with other Rivian products?

Yes, you can. Rivian Insurance Service, LLC provides homeowners, rental, and umbrella insurance for its customers.

You can even secure a small discount and save a little more on Rivian auto insurance per month when you bundle multiple insurance products.

Which car insurance companies underwrite Rivian insurance policies?

We mentioned how Nationwide is one of the main underwriters for Rivian vehicles. But there are a few companies that underwrite Rivian cars.

Here’s a list of companies that Rivian’s website mentioned.

  • Nationwide Mutual Insurance Company
  • The Cincinnati Insurance Company
  • The Cincinnati Indemnity Company
  • The Cincinnati Casualty Company
  • The Cincinnati Specialty Underwriters Insurance Company

Rivian Insurance Services also deals with Nationwide’s affiliated companies and subsidiaries.

Check out the list below to see Nationwide’s subsidiaries and affiliated companies.

Nationwide Mutual Insurance Company Subsidiaries and Affiliated Companies
Nationwide Affiliated Companies and SubsidiariesList of Companies
AlliedALLIED General Agency Company
ALLIED Group, Inc.
ALLIED Property and Casualty Insurance Company
ALLIED Texas Agency, Inc.
AMCO Insurance Company
Depositors Insurance Company
Nationwide Insurance Company of America
Premier Agency, Inc.
FarmlandNationwide Agribusiness Insurance Company
ScottsdaleDVM Insurance Agency, Inc.
Freedom Specialty Insurance Company
National Casualty Company
National Casualty Company of America, Ltd.
Scottsdale Indemnity Company
Scottsdale Insurance Company
Scottsdale Surplus Lines Insurance Company
V.P.I. Services, Inc.
Veterinary Pet Insurance Company
Other Property and Casualty CompaniesAllied Holdings (Delaware), Inc.
ALLIED Insurance Company of America
American Marine Underwriters, Inc.
Colonial County Mutual Insurance Company
Crestbrook Insurance Company
Eagle Captive Reinsurance, LLC
E-Risk Services, LLC
Harleysville Group Inc.
Harleysville Insurance Company
Harleysville Insurance Company of New Jersey
Harleysville Insurance Company of New York
Harleysville Lake States Insurance Company
Harleysville Preferred Insurance Company
Harleysville Worcester Insurance Company
Lone Star General Agency, Inc.
Nationwide Affinity Insurance Company of America
Nationwide Assurance Company
Nationwide Cash Management Company
Nationwide General Insurance Company
Nationwide Indemnity Company
Nationwide Insurance Company of Florida
Nationwide Lloyds
Nationwide Member Solutions Agency, Inc.
Nationwide Mutual Fire Insurance Company
Nationwide Mutual Insurance Company
Nationwide Property and Casualty Insurance Company
Nationwide Services Company, LLC
Nationwide Realty Services, Ltd.
NSB Insurance Agency, Inc.
On Your Side Nationwide Insurance Agency, Inc.
Retention Alternatives Ltd.
THI Holdings (Delaware), Inc.
Titan Auto Insurance of New Mexico, Inc.
Titan Insurance Company
Titan Insurance Services, Inc.
Victoria Fire & Casualty Company
Victoria National Insurance Company
Victoria Select Insurance Company
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Did you see a company you recognized? Some of these companies are regional providers, but they all have connections to the Nationwide Mutual Insurance Company.

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Does Rivian car insurance have any financial strength ratings?

Rivian Automotive, Inc. and Rivian Insurance Services, LLC don’t have any financial strength ratings.

Since Nationwide is the most significant company that underwrites insurance for Rivian vehicles, we’ll look at Nationwide’s financial strength, credit, and customer review ratings.

Nationwide Ratings
AgenciesNationwide Ratings
A.M. BestA+
Better Business Bureau (BBB)A
NAIC Complaint Index2.23
J.D. Power - Power Circle RatingsAbout Average
Consumer Reports88
Apple App Store (iOS)2 stars
Google Play Store (Android)3 stars
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Overall, Nationwide’s financial strength and credit ratings are excellent. However, Nationwide struggles with customer reviews.

How do I file a Rivian car insurance claim?

Although other insurance companies handle Rivian auto insurance policies, you can still contact Rivian Insurance Services to file a claim.

Send an email to [email protected] or call 1-888-748-4268 and let the Rivian insurance agent know you want to file a claim.

They may connect you to the insurance company that has your policy.

What are the most interesting facts about Rivian Automotive, Inc.?

Rivian Automotive, Inc. was founded by Robert “RJ” Scaringe in 2009. Its headquarters is in Plymouth, MI, and it has around 10,000 employees.

Although Rivian Automotive Inc. started in Michigan, they started building Rivian vehicles in Normal, IL.

In 2019, Rivian moved into the public eye. Rivian earned over $2 billion without selling a vehicle.

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Rivian Car Insurance: The Bottom Line

Rivian Automotive Inc. and Rivian Insurance Services, LLC are part of Rivian’s electric vehicle company.

Although the automotive sector focuses on electric trucks and SUVS, the insurance portion is handled by Nationwide and other companies.

If you decide to go through Nationwide, you should check out our Nationwide car insurance reviews to learn more.

Now that you know a lot more about affordable Rivian car insurance, enter your ZIP code below to see what various insurance companies have to offer in your area.

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