Rivian Insurance Cost
Across 3 current Rivian models, full coverage averages about $1,828 a year by our estimate — +15% versus the average vehicle ($1,590).
Rivian insurance profile
Rivian’s lineup is made up mostly of 1 midsize suv, 1 large suv, and 1 pickup truck. HLDI collision losses for its models average 176 (100 = all-vehicle average).
Every Rivian model ranked by insurance cost
What makes Rivian insurance cost more or less
- EV batteries: 3 electric models — battery packs and high-voltage components are costly to repair or replace after a crash.
- Claims history: HLDI collision indices across 2 models range from 173 to 178, so the model you pick matters as much as the brand.
- Segment mix: 1 midsize suv, 1 large suv, 1 pickup truck.
Average Rivian insurance cost by state
Average full-coverage estimate across current Rivian models, cheapest state first.
| State | Avg. full coverage | vs. national |
|---|---|---|
| Maine | $1,192 | −35% |
| North Dakota | $1,245 | −32% |
| Vermont | $1,248 | −32% |
| Idaho | $1,250 | −32% |
| Wisconsin | $1,278 | −30% |
| Hawaii | $1,293 | −29% |
| Iowa | $1,300 | −29% |
| Indiana | $1,322 | −28% |
| New Hampshire | $1,330 | −27% |
| Ohio | $1,330 | −27% |
| North Carolina | $1,428 | −22% |
| South Dakota | $1,487 | −19% |
| Kansas | $1,512 | −17% |
| Montana | $1,515 | −17% |
| Nebraska | $1,515 | −17% |
| Wyoming | $1,518 | −17% |
| Kentucky | $1,527 | −16% |
| Washington | $1,553 | −15% |
| Minnesota | $1,558 | −15% |
| Tennessee | $1,562 | −15% |
| West Virginia | $1,573 | −14% |
| Virginia | $1,575 | −14% |
| Oregon | $1,585 | −13% |
| Illinois | $1,610 | −12% |
| Utah | $1,612 | −12% |
| Alaska | $1,618 | −12% |
| Alabama | $1,630 | −11% |
| Pennsylvania | $1,642 | −10% |
| New Mexico | $1,660 | −9% |
| Arkansas | $1,673 | −8% |
| Missouri | $1,683 | −8% |
| Oklahoma | $1,697 | −7% |
| Mississippi | $1,780 | −3% |
| Massachusetts | $1,812 | −1% |
| California | $1,843 | +1% |
| South Carolina | $1,893 | +4% |
| Arizona | $1,898 | +4% |
| Connecticut | $1,903 | +4% |
| Delaware | $1,955 | +7% |
| Nevada | $1,983 | +8% |
| Michigan | $2,018 | +10% |
| Maryland | $2,028 | +11% |
| Colorado | $2,088 | +14% |
| New Jersey | $2,118 | +16% |
| Rhode Island | $2,155 | +18% |
| Georgia | $2,178 | +19% |
| Texas | $2,198 | +20% |
| District of Columbia | $2,333 | +28% |
| New York | $2,375 | +30% |
| Florida | $2,460 | +35% |
| Louisiana | $2,503 | +37% |
Frequently asked questions
How much does it cost to insure a Rivian?
Across 3 current Rivian models, our full-coverage estimate averages $1,828 a year for a driver in their 30s with a clean record, 15% more than the average vehicle ($1,590).
What is the cheapest Rivian to insure?
The Rivian R2 has the lowest estimate at about $1,605 a year for full coverage; the Rivian R1T is the most expensive at about $1,955.
Are Rivian repairs expensive for insurers?
HLDI collision-loss data for 2 Rivian models averages 176 (100 = average of all vehicles), which is much worse than average. Collision losses combine how often claims happen and how much repairs cost.
Where is it cheapest to insure a Rivian?
By our estimates, Maine is the cheapest state (about $1,192 a year on average across current models) and Louisiana the most expensive (about $2,503).
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.