Rivian R2 Insurance Cost

Full coverage for a Rivian R2 costs about $1,605 a year ($134/month) by our estimate — ▲ +1% versus the average vehicle, ranking 143rd cheapest of 310 current models.

Rivian R2 exterior (photo from Wikimedia Commons) — Photo: Lcaa9, CC BY-SA 4.0

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Rivian R2 insurance cost at a glance

Full coverage

$1,605

$134/mo · $1,315–$1,890

Minimum liability

$585

$49/mo

Segment

Midsize SUV

Electric

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 2027–2027 model years of the Rivian R2.

Estimated Rivian R2 premium by coverage level (national average rates)
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.	$585	$49	$480–$690
Standard liability (100/300/100)	Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car.	$845	$70	$695–$1,000
Full coverage	Standard liability plus collision and comprehensive, typically required on a financed or leased car.	$1,605	$134	$1,315–$1,890

What drives the cost of insuring a Rivian R2

HLDI does not publish loss results for the Rivian R2, so our estimate uses the typical losses of its segment (Midsize SUV): 0.95× average for liability, 1.12× for collision and 1.00× for comprehensive.

Repair and parts costs: Midsize 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: 1 NHTSA recall campaigns and 1 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.

Rivian R2 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
R2 Performance AWD (20in AT)	4WD	Electric	99	307 mi
R2 Performance AWD (21in)	4WD	Electric	105	330 mi

Rivian R2 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	—	$1,605

Rivian R2 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 R2 page for that state.

State	Full coverage	Minimum	vs. national	R2 page
Alabama	$1,405	$455	−12%	R2 in AL
Alaska	$1,410	$595	−12%	R2 in AK
Arizona	$1,675	$630	+4%	R2 in AZ
Arkansas	$1,430	$425	−11%	R2 in AR
California	$1,590	$545	−1%	R2 in CA
Colorado	$1,820	$620	+13%	R2 in CO
Connecticut	$1,690	$675	+5%	R2 in CT
Delaware	$1,760	$760	+10%	R2 in DE
District of Columbia	$2,030	$705	+26%	R2 in DC
Florida	$2,240	$1,025	+40%	R2 in FL
Georgia	$1,955	$830	+22%	R2 in GA
Hawaii	$1,115	$415	−31%	R2 in HI
Idaho	$1,090	$380	−32%	R2 in ID
Illinois	$1,395	$475	−13%	R2 in IL
Indiana	$1,145	$385	−29%	R2 in IN
Iowa	$1,105	$295	−31%	R2 in IA
Kansas	$1,295	$385	−19%	R2 in KS
Kentucky	$1,345	$500	−16%	R2 in KY
Louisiana	$2,210	$750	+38%	R2 in LA
Maine	$1,030	$405	−36%	R2 in ME
Maryland	$1,790	$715	+12%	R2 in MD
Massachusetts	$1,580	$560	−2%	R2 in MA
Michigan	$1,755	$725	+9%	R2 in MI
Minnesota	$1,345	$445	−16%	R2 in MN
Mississippi	$1,540	$505	−4%	R2 in MS
Missouri	$1,460	$485	−9%	R2 in MO
Montana	$1,295	$375	−19%	R2 in MT
Nebraska	$1,295	$385	−19%	R2 in NE
Nevada	$1,805	$825	+12%	R2 in NV
New Hampshire	$1,150	$380	−28%	R2 in NH
New Jersey	$1,905	$890	+19%	R2 in NJ
New Mexico	$1,445	$495	−10%	R2 in NM
New York	$2,125	$885	+32%	R2 in NY
North Carolina	$1,215	$425	−24%	R2 in NC
North Dakota	$1,050	$260	−35%	R2 in ND
Ohio	$1,150	$385	−28%	R2 in OH
Oklahoma	$1,455	$450	−9%	R2 in OK
Oregon	$1,420	$595	−12%	R2 in OR
Pennsylvania	$1,415	$405	−12%	R2 in PA
Rhode Island	$1,920	$780	+20%	R2 in RI
South Carolina	$1,695	$695	+6%	R2 in SC
South Dakota	$1,250	$300	−22%	R2 in SD
Tennessee	$1,345	$430	−16%	R2 in TN
Texas	$1,905	$655	+19%	R2 in TX
Utah	$1,440	$620	−10%	R2 in UT
Vermont	$1,060	$300	−34%	R2 in VT
Virginia	$1,380	$595	−14%	R2 in VA
Washington	$1,385	$560	−14%	R2 in WA
West Virginia	$1,350	$415	−16%	R2 in WV
Wisconsin	$1,105	$355	−31%	R2 in WI
Wyoming	$1,275	$310	−21%	R2 in WY

Rivian R2 insurance by driver profile

Estimated annual Rivian R2 premium by driver (national average rates)
Driver	Minimum	Standard	Full coverage	Full / month
Teen driver (18, own policy)	$1,605	$2,325	$4,405	$367
Young adult (22)	$935	$1,355	$2,565	$214
Adult in their 30s	$585	$845	$1,605	$134
Adult in their 50s	$535	$780	$1,475	$123
Senior (72)	$655	$945	$1,795	$150
30s, one at-fault accident	$845	$1,225	$2,325	$194
30s, DUI on record	$1,080	$1,565	$2,965	$247

Rivian R2 vs. rivals

Model	Full coverage / yr	HLDI collision	HLDI comprehensive	Comparison
Rivian R2	$1,605	—	—	—
Kia Sorento	$1,580	104	100	Compare
Hyundai Santa Fe	$1,415	110	115	Compare
Volkswagen Touareg	$1,225	—	—	Compare

Estimate Rivian R2 insurance for your ZIP code

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State ZIP code or city (optional) Driver age Vehicle make Model Coverage Driving record Annual mileage

Estimated annual premium

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Per month

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Other Rivian models

R1S $1,925/yr
R1T $1,955/yr

All Rivian insurance costs →

Frequently asked questions

How much is insurance for a Rivian R2?

We estimate about $1,605 a year ($134 a month) for full coverage and $585 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 1% more than the average vehicle.

Which state is cheapest to insure a Rivian R2?

Maine has the lowest estimate (about $1,030 a year for full coverage) and Florida the highest (about $2,240).

Is the Rivian R2 cheaper to insure than the Kia Sorento?

By our estimate the Rivian R2 costs about $1,605 a year versus $1,580 for the Kia Sorento, making the Kia Sorento cheaper to insure.

How much is Rivian R2 insurance for a teen driver?

An 18-year-old on their own full-coverage policy would pay about $4,405 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.

Sources used on this page