Rivian R1S Insurance Cost
Full coverage for a Rivian R1S costs about $1,925 a year ($161/month) by our estimate — ▲ +21% versus the average vehicle, ranking 244th cheapest of 310 current models.
Rivian R1S insurance cost at a glance
These figures assume a driver in their 30s with a clean record, 7,500–12,000 miles a year, $500 deductibles and national-average base rates, for the 2027 model year. Our vehicle data covers the 2022–2027 model years of the Rivian R1S.
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $580 | $48 | $475–$685 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $840 | $70 | $690–$995 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,925 | $161 | $1,580–$2,275 |
What drives the cost of insuring a Rivian R1S
The strongest predictor of what insurers charge for a specific model is its claims history. HLDI publishes relative insurance losses for recent models (2022-2024), where 100 is the average of all passenger vehicles. The Rivian R1S's results put our vehicle factor at 0.95× for liability, 1.66× for collision and 1.33× for comprehensive.
| Coverage | Index | Rating | What it measures |
|---|---|---|---|
| Collision | 173 | Much worse than average | Damage to this car in crashes; driven by repair costs and crash frequency |
| Comprehensive | 136 | Much worse than average | Theft, vandalism, glass, weather and animal damage |
| Property damage liability | 113 | Worse than average | Damage this car does to other vehicles and property |
| Bodily injury liability | 69 | Much better than average | Injuries to people in other vehicles (claim frequency) |
| Personal injury protection | 43 | Much better than average | Injuries to occupants of this car (claim frequency) |
| Medical payments | 39 | Much better than average | Injuries to occupants of this car (claim frequency) |
- Repair and parts costs: Large SUV — mainstream parts availability keeps repairs moderate.
- Electric drivetrain: battery packs, high-voltage systems and specialized repair shops make EV collision claims more expensive on average; comprehensive can be lower if theft is rare.
- Recalls & complaints: 11 NHTSA recall campaigns and 67 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.
Rivian R1S trims and configurations (2027)
Higher trims with bigger engines, all-wheel drive or more technology usually cost more to repair or replace, which raises collision and comprehensive premiums.
| Configuration | Drive | Engine | MPGe (comb.) | Range |
|---|---|---|---|---|
| R1S Performance (20in AT) | 4WD | Electric | 68 | 329 mi |
| R1S Performance (20in) | 4WD | Electric | 72 | 348 mi |
| R1S Performance (22in) | 4WD | Electric | 76 | 371 mi |
| R1S Premium (20in AT) | 4WD | Electric | 76 | 289 mi |
| R1S Premium (20in) | 4WD | Electric | 79 | 300 mi |
| R1S Premium (22in) | 4WD | Electric | 85 | 329 mi |
| R1S Premium Long Range (20in AT) | 4WD | Electric | 78 | 370 mi |
| R1S Premium Long Range (20in) | 4WD | Electric | 80 | 380 mi |
| R1S Premium Long Range (22in) | 4WD | Electric | 84 | 410 mi |
| R1S Quad (20in AT) | 4WD | Electric | 67 | 325 mi |
| R1S Quad (22in UHP) | 4WD | Electric | 71 | 338 mi |
| R1S Quad (22in) | 4WD | Electric | 76 | 374 mi |
Rivian R1S insurance cost by model year
Older model years cost less to insure for full coverage because the car is worth less, so collision and comprehensive payouts are smaller. Liability costs stay about the same.
| Model year | Engines | Drive | MPGe | Est. full / yr |
|---|---|---|---|---|
| 2027 | Electric | 4WD | — | $1,925 |
| 2026 | Electric | 4WD | — | $1,880 |
| 2025 | Electric | 4WD | — | $1,830 |
| 2024 | Electric | 4WD, AWD | — | $1,780 |
| 2023 | Electric | 4WD, AWD | — | $1,730 |
| 2022 | Electric | 4WD | — | $1,685 |
Rivian R1S insurance cost by state
The same car can cost very different amounts to insure depending on where it is garaged. Select a state for its rules and city-level costs, or open the R1S page for that state.
Rivian R1S insurance by driver profile
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,595 | $2,315 | $5,300 | $442 |
| Young adult (22) | $930 | $1,345 | $3,085 | $257 |
| Adult in their 30s | $580 | $840 | $1,925 | $160 |
| Adult in their 50s | $535 | $775 | $1,775 | $148 |
| Senior (72) | $650 | $945 | $2,160 | $180 |
| 30s, one at-fault accident | $840 | $1,220 | $2,795 | $233 |
| 30s, DUI on record | $1,075 | $1,560 | $3,565 | $297 |
Rivian R1S vs. rivals
| Model | Full coverage / yr | HLDI collision | HLDI comprehensive | Comparison |
|---|---|---|---|---|
| Rivian R1S | $1,925 | 173 | 136 | — |
| Tesla Model X | $2,105 | 218 | 157 | Compare |
| Toyota Sequoia | $1,515 | 104 | 141 | Compare |
| Dodge Durango | $1,770 | 107 | 142 | Compare |
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Frequently asked questions
How much is insurance for a Rivian R1S?
We estimate about $1,925 a year ($161 a month) for full coverage and $580 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 21% more than the average vehicle.
Is the Rivian R1S expensive to insure?
HLDI insurance-loss data rates it at 173 for collision and 136 for comprehensive losses (100 = average of all vehicles), meaning collision losses are much worse than average.
Which state is cheapest to insure a Rivian R1S?
Maine has the lowest estimate (about $1,260 a year for full coverage) and Louisiana the highest (about $2,630).
Is the Rivian R1S cheaper to insure than the Tesla Model X?
By our estimate the Rivian R1S costs about $1,925 a year versus $2,165 for the Tesla Model X, making it the cheaper of the two to insure.
How much is Rivian R1S insurance for a teen driver?
An 18-year-old on their own full-coverage policy would pay about $5,300 a year at national-average rates by our estimate.
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.