Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Written by Rachael Brennan
Licensed Agent for 15 Years Rachael Brennan

Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager Chris Harrigan

UPDATED: Jun 29, 2022

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Key Takeaways

  • Rivian car insurance can be as low as $167/month
  • Nationwide underwrites insurance for Rivian insurance
  • Rivian created its own insurance plans to cover its electric cars

Rivian is a new electric vehicle manufacturer, and when you buy a Rivian, a tailor-made insurance policy is available to you. You can add Rivian car insurance to your vehicle expenses if you want to skip shopping with multiple insurance companies.

How much are Rivian car insurance rates? Where can you get Rivian car insurance quotes? Don’t worry – we’ll answer your questions about Rivian insurance.

Read this Rivian car insurance review to learn more about Rivian Insurance Services, LLC, how much Rivian car insurance costs, and who underwrites car insurance for Rivian.

Before learning about Rivian car insurance, enter your ZIP code in the free online quote tool above to compare multiple insurance companies in your area.

How much is Rivian car insurance?

According to the National Association of Insurance Commissioners (NAIC), full coverage auto insurance is $90 a month.

However, Rivian car insurance rates can be as high as $300 per month. Rivian auto insurance rates are more expensive in some situations because the value of Rivian vehicles is higher than most trucks and SUVs. Additionally, electric cars generally cost more to insure.

Let’s look at how much Rivian cars are worth.

Rivian Vehicle Details by Model
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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Luxury and sports cars are more expensive than most passenger cars, trucks, and SUVs. And Rivian vehicles have MSRPs that are in the luxury car price range. That means higher insurance costs.

How do Rivian car insurance rates compare to other electric vehicles?

Rivian auto insurance rates vary for each vehicle type. Let’s see how Rivian cars compare to competitors like Tesla.

  • Rivian R1T – $300/month
  • Rivian R1S – $275/month
  • Tesla Model 3 – $147/month
  • Tesla Model S – $180/month

On average, Rivian vehicles are more expensive for car insurance. However, you may be able to secure cheaper rates.

Multiple factors determine whether affordable Rivian car insurance is available to you.

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Does Rivian have car insurance discounts?

Although Rivian car insurance quotes are private, you can qualify for multiple discounts from Rivian Insurance Services, LLC. They include:

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

If you’re eligible for several Rivian discounts, you could save up to 20% on Rivian car insurance rates. Stacking auto insurance deals can save you hundreds of dollars per year.

How can I save money using Drive+ at Rivian?

Using Rivian Drive+ features can save money on Rivian auto insurance. Rivian Drive+ has a hands-free driving program in addition to 11 cameras, five radars, 12 ultrasonic sensors, and a 360-view field of vision.

Does Rivian have other insurance products?

Yes, it does. Rivian Insurance Services has homeowners, renters, and umbrella insurance. You can even purchase insurance for boats, campers, and recreational vehicles. These are all provided through a partnership with existing insurance companies.

Bundle these insurance products with your Rivian car insurance policy to receive additional savings.

Which car insurance companies underwrite Rivian insurance policies?

Nationwide is the main underwriter of Rivian insurance policies. Policies are also underwritten by The Cincinnati Insurance Company, as well as subsidiaries of either company.

That means that the company that handles your policy, including claims, is actually one of those companies. Since we do have access to Nationwide insurance rates, let’s take a look at some samples.

How much are Rivian car insurance rates based on driving record?

Your Rivian auto insurance could be based on your driving history. Since Rivian is connected to Nationwide, we can take a look at Nationwide car insurance rates.

Let’s look at Nationwide’s average monthly rates based on driving history.

Nationwide Monthly Car Insurance Rates by Driving Record Infractions
Driving RecordNationwide Average Monthly Rates
No Infractions$229
With One Speeding Ticket$259
With One At-fault Accident$283
With One DUI/DWI$379
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To secure cheaper Nationwide auto insurance rates, you’ll need to maintain a clean driving record. Any traffic violation or accident drives up your insurance rates.

Does credit score affect Rivian car insurance quotes?

Credit history can impact your auto insurance rates if it’s legal in your state. But how does it affect Nationwide insurance costs?

Let’s see.

Nationwide Average Monthly Car Insurance Rates Based on Credit Score
Credit ScoreNationwide Average Monthly Rate
Good (670-739)$244
Average (580-669)$271
Poor (300-579)$340
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Good credit car insurance is the best way to secure affordable rates, but bad credit-based car insurance provides the opposite.

Do Rivian car insurance rates vary based on the state?

Rivian car insurance is available in 48 states in the nation. However, Nationwide provides auto insurance across all states.

Let’s compare Nationwide car insurance rates by state.

Nationwide Average Monthly Car Insurance Rates by State
StateNationwide Average Monthly Premium
Alabama$145.82
Arizona$182.96
Arkansas$132.92
California$265.08
Colorado$180.58
Connecticut$184.96
Delaware$181.89
District of Columbia$238.27
Georgia$183.53
Idaho$117.98
Illinois$147.03
Indiana$140.84
Iowa$113.36
Kansas$145.32
Kentucky$246.59
MaineN/A
Maryland$209.46
Michigan$344.62
Mississippi$145.20
Missouri$136.38
Nebraska$126.05
Nevada$304.37
New Hampshire$130.51
New Jersey$289.18
New York$364.06
North Carolina$100.05
Ohio$122.47
Oregon$131.32
Pennsylvania$128.82
Rhode Island$229.17
South Carolina$141.90
Tennessee$153.15
Texas$236.42
Utah$132.58
Vermont$103.92
Virginia$143.80
Washington$140.12
West Virginia$174.92
Wisconsin$134.97
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Even if you can’t get a hold of Rivian auto insurance, Nationwide can provide the coverage you need for a Rivian vehicle.

You can get Nationwide car insurance rates for $167 per month under the right circumstances.

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Does Rivian car insurance have a good financial strength rating?

Rivian Insurance Services is new to the auto insurance industry, so it hasn’t had the chance to fully compete with some of the insurance companies in the United States.

However, Nationwide is listed among the top ten companies in the nation.

Let’s review Nationwide’s financial strength, credit, and customer review ratings.

Nationwide Financial Strength, Credit, & Customer Review Ratings
AgenciesNationwide Ratings
AM BestA+
Better Business Bureau (BBB)A
Moody'sA1
S&PA+
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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Nationwide has excellent financial strength and credit in the auto insurance industry.

But Nationwide struggles with customer complaints from the Nationwide mobile app and general insurance services.

How do you file a Rivan car insurance claim?

If you need to file an auto insurance claim with Rivian, contact Rivian Insurance Advisors at 1-888-748-4268 or [email protected]

Rivian is available Monday through Friday from 7 a.m. to 7 p.m. central daylight time.

When you contact Rivian, let them know you want to file a claim. You’ll need to send your personal information and your policy number.

But your repairs may require a Rivian specialist. Therefore, Rivian may recommend one of their approved auto shops to fix your car.

What is Rivian’s history?

Robert Scaringe founded Rivian in 2009. Rivian is an independent company that’s located in Irvine, California.

Rivian focuses on electric trucks and SUVs, while Teslas is geared toward luxury sedans and passenger vehicles.

In 2017, Rivian purchased a former Mitsubishi manufacturing facility in Normal, IL. This gave Rivian an opportunity to start alpha builds of its vehicles.

Some of Rivian’s notable investors are Amazon and Ford.

By 2019, Rivian went public. Although Rivian hasn’t sold a vehicle, it raised nearly $2 billion.

Rivian Insurance Services, LLC and Rivian Automotive are two departments that are part of Rivian.

As of 2021, Rivian signed a contract with Nationwide to handle some of its insurance policies.

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Rivian Car Insurance: The Bottom Line

You may have difficulty shopping with multiple car insurance companies since Rivian vehicles are so new, and some companies may not have rates available.

If you want to insure your Rivian vehicle, you’ll need to talk to Rivian Insurance Advisors. Rivian cars are special electric vehicles that cannot be fixed or serviced everywhere.

Before you buy Rivian car insurance, ask about your insurance options to save money on insurance coverage.

Now that you have a better idea about Rivian car insurance use our free online quote tool to compare multiple insurance companies near you.