Tesla Model X vs Rivian R1S Insurance Cost
The Rivian R1S is cheaper to insure by about $180 a year for full coverage by our estimate ($2,105 vs. $1,925), and cheaper in 51 of 51 states.
Side-by-side insurance estimate
| Coverage | Tesla Model X | Rivian R1S | Difference |
|---|---|---|---|
| State minimum | $590 | $580 | +$10 |
| Standard (100/300/100) | $860 | $840 | +$20 |
| Full coverage | $2,105 | $1,925 | +$180 |
National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = Model X minus R1S.
Why one costs more to insure
| Factor | Tesla Model X | Rivian R1S |
|---|---|---|
| Segment | Large SUV | Large SUV |
| Powertrains | Electric | Electric |
| HLDI collision (100 = avg) | 218 | 173 |
| HLDI comprehensive | 157 | 136 |
| HLDI property damage liability | 102 | 113 |
| HLDI bodily injury liability | 86 | 69 |
| NHTSA overall rating | — | — |
| NICB most-stolen rank | Not in top 10 | Not in top 10 |
| Recalls (latest 3 model years) | 8 | 11 |
Collision losses are the biggest swing factor: the Tesla Model X has 45 points higher relative collision losses, meaning its crash repairs cost insurers more on average. Comprehensive losses (theft, weather, glass) also favor the Rivian R1S.
Model X vs R1S insurance by state
By driver profile (full coverage)
| Driver | Model X | R1S |
|---|---|---|
| Teen driver (18, own policy) | $5,785 | $5,300 |
| Young adult (22) | $3,365 | $3,085 |
| Adult in their 30s | $2,105 | $1,925 |
| Adult in their 50s | $1,935 | $1,775 |
| Senior (72) | $2,355 | $2,160 |
| 30s, one at-fault accident | $3,050 | $2,795 |
| 30s, DUI on record | $3,895 | $3,565 |
More comparisons
Frequently asked questions
Is the Tesla Model X or the Rivian R1S cheaper to insure?
By our estimate the Rivian R1S is cheaper, by about $180 a year for full coverage ($2,105 vs. $1,925) for a driver in their 30s with a clean record.
Why does insurance cost differ between the Tesla Model X and Rivian R1S?
Mostly because of insurance-loss history: HLDI collision indices of 218 vs. 173 and comprehensive indices of 157 vs. 136 (100 = average), plus repair costs, theft rates and segment.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.