Insurance premiums for the Rivian R1S average $286 a month for full coverage and $146 for minimum coverage. Costs can range from $129 to $358 a month depending on your trim and model year.
Rivian R1S Insurance Cost
Updated: May 18, 2026
Key Takeaways
Travelers offers the most affordable Rivian R1S insurance on average, though full coverage costs vary by model year and insurer, averaging $286 monthly across all companies. Read more.
The R1S ranks 208th out of 256 SUVs for insurance affordability, placing it in the expensive tier among SUVs. SUVs cost more to insure due to higher repair costs and increased theft risk. Read more.
For the most accurate rates, get costs tied to your R1S's model year, especially if you're insuring a teen driver on your policy. Read MoneyGeek's analysis of rates by company for specific R1S model years depending on the age of the drivers.
How Much Is Rivian R1S Insurance?
| Rivian R1s | $146 | $286 |
Looking for another Rivian model? Read more about the cost of Rivian car insurance models.
Your Rivian R1S's model year is a key driver of insurance costs, with monthly premiums ranging from $78 for older models to $324 for the newest ones. Newer R1S models cost more to insure because they carry a higher market value.
Insurance costs for a Rivian R1S depend on model year and company. Full coverage goes from $174 a month with Travelers to $533 with AIG, while minimum coverage ranges from $94 with Travelers to $245 with Farmers.
Rivian R1S owners should shop among insurers since minimum coverage varies by over $151 and full coverage by over $359. Each company calculates risk differently for the Rivian R1S, so your final quote can shift considerably from one insurer to the next.
| AAA | $164 | $342 |
| AIG | $210 | $533 |
| Allstate | $208 | $407 |
| Amica | $199 | $409 |
| Chubb | $206 | $415 |
| Farmers | $245 | $428 |
| Geico | $109 | $238 |
| Kemper | $122 | $250 |
| Nationwide | $109 | $189 |
| Progressive | $153 | $290 |
| State Farm | $113 | $237 |
| The Hartford | $120 | $204 |
| Travelers | $94 | $174 |
| UAIC | $179 | $227 |
Is Rivian R1S Expensive to Insure?
Insurance costs for the Rivian R1S rank 208th out of 256 SUVs in MoneyGeek's analysis, meaning 207 SUVs are cheaper to insure. The electric SUV costs a few dollars more a month than a Bentley Bentayga and a bit less than a Cadillac Lyriq-V. These rates place it in the mid-tier for the category.
That mid-tier position still puts the R1S in expensive territory overall. It ranks 712th out of 827 vehicles in MoneyGeek's database, landing in the upper quartile for insurance costs. The cheapest SUV to insure is an Isuzu Amigo; the Audi SQ8 e-tron commands the highest premiums.
| Land Rover Range Rover | $212 | 205 |
| GMC Hummer EV | $215 | 206 |
| BMW iX | $215 | 207 |
| Rivian R1S | $216 | 208 |
| Bentley Bentayga | $216 | 208 |
| Cadillac Lyriq-V | $217 | 209 |
| Audi SQ8 | $224 | 210 |
| Lamborghini Urus | $225 | 211 |
Multiple factors affect what you'll pay for Rivian R1S insurance:
- Average repair or replacement costs: The Rivian R1S is the most expensive Rivian model to maintain, with repair costs averaging $1,069 annually, though it remains relatively affordable compared to other luxury electric trucks.
- Vehicle trim, features and accessories: With up to 835 horsepower and 0-60 acceleration in three seconds, the R1S's performance capabilities increase insurance premiums due to higher repair costs and elevated risk.
- Driver profile: Most Rivian R1S owners are middle-aged drivers (median age 40 to 50) with higher incomes, which helps lower rates, though the vehicle's performance reputation attracts risk-taking behaviors that concern insurers. Read more about the costs of Rivian R1S models for young drivers.
Rivian R1S Costs by Model Year and Driver Age by Insurance Company
Model year is a primary driver of Rivian R1S insurance costs, along with the age of drivers on your policy. A 35- to 55-year-old driver pays around $255 a month for full coverage on a 2022 Rivian R1S compared to $308 for a 2025 model. Newer vehicles command higher premiums, and teen or young adult drivers pay considerably more across all model years.
Travelers has the lowest rates across all Rivian R1S model years and could save you hundreds a month compared to average costs. Shopping among insurers gives you the best opportunity to reduce your premium.
Recent model years:
Cost of Car Insurance for 2025 Rivian R1S
| Geico | $140 | $306 |
| National General | $240 | $491 |
| The Hartford | $244 | $416 |
| State Farm | $257 | $537 |
| Kemper | $258 | $513 |
| Travelers | $284 | $532 |
| AAA | $309 | $641 |
| Allstate | $313 | $617 |
| Progressive | $321 | $603 |
| Nationwide | $360 | $624 |
| Amica | $362 | $742 |
| UAIC | $375 | $475 |
| Farmers | $394 | $700 |
| AIG | $422 | $1,089 |
| Chubb | $443 | $885 |
2025 Rivian R1S Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $836 | $735 | $650 | $561 | $496 | $422 | $383 | $343 | $313 | $276 |
| Nationwide | $896 | $819 | $754 | $639 | $541 | $353 | $327 | $305 | $288 | $258 |
| Travelers | $944 | $681 | $541 | $416 | $372 | $259 | $237 | $220 | $204 | $172 |
| Geico | $1,529 | $1,116 | $938 | $683 | $586 | $476 | $438 | $362 | $342 | $310 |
| Allstate | $2,158 | $1,703 | $1,360 | $997 | $895 | $700 | $629 | $596 | $562 | $499 |
| Progressive | $2,277 | $1,855 | $1,542 | $857 | $747 | $602 | $536 | $479 | $441 | $380 |
| Farmers | $2,995 | $2,222 | $1,975 | $1,248 | $1,181 | $904 | $799 | $766 | $725 | $610 |
Cost of Car Insurance for 2024 Rivian R1S
| Geico | $131 | $287 |
| National General | $224 | $460 |
| The Hartford | $228 | $390 |
| State Farm | $241 | $503 |
| Kemper | $241 | $480 |
| Travelers | $266 | $498 |
| AAA | $289 | $600 |
| Allstate | $293 | $577 |
| Progressive | $300 | $564 |
| Nationwide | $337 | $584 |
| Amica | $338 | $695 |
| UAIC | $351 | $445 |
| Farmers | $369 | $655 |
| AIG | $395 | $1,019 |
| Chubb | $414 | $828 |
2024 Rivian R1S Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| Nationwide | $837 | $764 | $703 | $597 | $505 | $329 | $305 | $284 | $269 | $241 |
| State Farm | $989 | $870 | $768 | $665 | $586 | $499 | $453 | $404 | $370 | $326 |
| Travelers | $1,177 | $862 | $684 | $531 | $469 | $349 | $319 | $295 | $273 | $235 |
| Geico | $1,312 | $959 | $807 | $588 | $505 | $409 | $377 | $312 | $295 | $268 |
| Progressive | $1,959 | $1,595 | $1,327 | $738 | $644 | $518 | $461 | $413 | $380 | $327 |
| Allstate | $1,988 | $1,566 | $1,253 | $917 | $821 | $643 | $579 | $547 | $515 | $458 |
| Farmers | $2,655 | $1,978 | $1,757 | $1,113 | $1,053 | $806 | $712 | $683 | $646 | $543 |
Cost of Car Insurance for 2023 Rivian R1S
| Geico | $130 | $283 |
| National General | $222 | $454 |
| The Hartford | $226 | $385 |
| State Farm | $238 | $497 |
| Kemper | $238 | $475 |
| Travelers | $263 | $492 |
| AAA | $286 | $594 |
| Allstate | $289 | $571 |
| Progressive | $297 | $558 |
| Nationwide | $333 | $577 |
| Amica | $335 | $687 |
| UAIC | $347 | $440 |
| Farmers | $364 | $648 |
| AIG | $391 | $1,007 |
| Chubb | $410 | $818 |
2023 Rivian R1S Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| Nationwide | $798 | $730 | $671 | $570 | $482 | $313 | $291 | $271 | $257 | $230 |
| State Farm | $882 | $776 | $685 | $592 | $523 | $444 | $404 | $360 | $329 | $290 |
| Travelers | $1,071 | $784 | $621 | $482 | $426 | $317 | $290 | $268 | $248 | $214 |
| Geico | $1,145 | $837 | $704 | $513 | $441 | $357 | $329 | $272 | $258 | $234 |
| Allstate | $1,782 | $1,403 | $1,119 | $818 | $733 | $573 | $516 | $488 | $458 | $407 |
| Progressive | $1,798 | $1,463 | $1,216 | $676 | $590 | $475 | $423 | $379 | $348 | $300 |
| Farmers | $2,273 | $1,693 | $1,504 | $951 | $900 | $688 | $608 | $583 | $552 | $464 |
Cost of Car Insurance for 2022 Rivian R1S
| Geico | $109 | $239 |
| National General | $187 | $383 |
| The Hartford | $190 | $325 |
| State Farm | $201 | $419 |
| Kemper | $201 | $400 |
| Travelers | $221 | $415 |
| AAA | $241 | $500 |
| Allstate | $244 | $481 |
| Progressive | $250 | $470 |
| Nationwide | $281 | $486 |
| Amica | $282 | $579 |
| UAIC | $292 | $371 |
| Farmers | $307 | $546 |
| AIG | $330 | $849 |
| Chubb | $345 | $690 |
2022 Rivian R1S Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| Nationwide | $838 | $767 | $706 | $600 | $507 | $329 | $305 | $285 | $269 | $241 |
| State Farm | $889 | $781 | $690 | $597 | $527 | $448 | $407 | $363 | $332 | $293 |
| Travelers | $1,054 | $771 | $610 | $474 | $419 | $312 | $285 | $264 | $243 | $210 |
| Geico | $1,128 | $825 | $694 | $506 | $435 | $352 | $325 | $269 | $254 | $231 |
| Allstate | $1,615 | $1,274 | $1,018 | $744 | $667 | $521 | $470 | $444 | $418 | $371 |
| Progressive | $2,156 | $1,755 | $1,458 | $812 | $708 | $570 | $508 | $454 | $417 | $359 |
| Farmers | $2,206 | $1,643 | $1,460 | $922 | $872 | $666 | $589 | $565 | $535 | $450 |
Rivian R1S Insurance Cost by Trim
Insurance costs for the Rivian R1S vary by trim, from $129 a month for minimum coverage on Adventure Sport Utility 4D models to $358 for full coverage on high-performance Tri Max variants. Performance features and market value determine where each trim lands in that range.
| Adventure Sport Utility 4d | $129 | $252 |
| Dual Standard | $130 | $255 |
| Launch Edition Sport Utility 4d | $132 | $257 |
| R1s Dual Motor | $134 | $263 |
| Dual Large | $145 | $284 |
| R1s Performance Dual Motor | $151 | $296 |
| Dual Max | $152 | $298 |
| R1s Quad Motor | $155 | $303 |
| California Dune Edition | $179 | $351 |
| Tri Max | $183 | $358 |
Rivian R1S Insurance Cost by State
Car insurance for a Rivian R1S ranges from $44 a month in Wyoming to $305 in Louisiana for minimum coverage, depending on where you live. Cost differences across states reflect local risk factors and insurance regulations rather than the vehicle itself.
| Alabama | $132 | $255 |
| Alaska | $101 | $217 |
| Arizona | $160 | $302 |
| Arkansas | $135 | $301 |
| California | $119 | $239 |
| Colorado | $141 | $338 |
| Connecticut | $195 | $339 |
| Delaware | $185 | $311 |
| Florida | $181 | $436 |
| Georgia | $192 | $318 |
| Hawaii | $70 | $159 |
| Idaho | $72 | $150 |
| Illinois | $124 | $232 |
| Indiana | $95 | $185 |
| Iowa | $103 | $246 |
| Kansas | $121 | $287 |
| Kentucky | $167 | $285 |
| Louisiana | $305 | $622 |
| Maine | $82 | $172 |
| Maryland | $230 | $391 |
| Massachusetts | $151 | $325 |
| Michigan | $242 | $473 |
| Minnesota | $127 | $270 |
| Mississippi | $159 | $314 |
| Missouri | $201 | $391 |
| Montana | $124 | $295 |
| Nebraska | $116 | $264 |
| Nevada | $216 | $392 |
| New Hampshire | $119 | $211 |
| New Jersey | $216 | $360 |
| New Mexico | $111 | $250 |
| New York | $155 | $279 |
| North Carolina | $122 | $241 |
| North Dakota | $106 | $231 |
| Ohio | $103 | $203 |
| Oklahoma | $143 | $317 |
| Oregon | $152 | $268 |
| Pennsylvania | $156 | $361 |
| Rhode Island | $183 | $329 |
| South Carolina | $127 | $240 |
| South Dakota | $91 | $295 |
| Tennessee | $116 | $235 |
| Texas | $165 | $337 |
| Utah | $134 | $228 |
| Vermont | $85 | $199 |
| Virginia | $135 | $215 |
| Washington | $118 | $220 |
| West Virginia | $140 | $283 |
| Wisconsin | $109 | $239 |
| Wyoming | $44 | $152 |
How to Lower the Cost of Rivian R1S Insurance
Lower your Rivian R1S insurance costs with these strategies:
- 1Choose the right coverage
Decide how much coverage to buy for your Rivian R1S based on how you use and finance the vehicle. If you own your electric SUV outright, carry your state's minimum liability coverage plus comprehensive and collision with a $1,000 deductible to keep premiums lower. Choose 100/300/100 liability limits with comprehensive and collision at a $500 deductible if you want more financial protection after an accident. Lenders and leasing companies usually require 100/300/100 liability limits, comprehensive and collision with a $500 deductible and gap insurance.
- 2Research costs and cheap companies
Know what you should pay by checking average auto insurance costs for electric SUVs. That figure gives you a baseline when comparing cheapest car insurance companies with competitive rates. Rivian R1S owners targeting luxury electric vehicles can be quoted inflated rates, so knowing the going rate helps you spot them.
- 3Look for more than just low rates
Reliable car insurance for a Rivian R1S comes down to more than the quoted rate. Compare J.D. Power satisfaction ratings, forum feedback on claims processing, Better Business Bureau complaints and AM Best financial stability scores. Budget insurers often provide limited coverage or slower service, which is a real drawback for a high-value electric vehicle like the R1S.
- 4Ask about qualifying discounts
Many insurers offer Rivian R1S owners car insurance discounts for safety features, clean driving records, bundled policies and electric vehicle ownership. Companies in tech-focused markets like Silicon Valley may also provide additional green vehicle discounts. Combine eligible discounts to bring your premium down by a noticeable amount.
- 5Find alternative car insurance types
Programs like Progressive Snapshot and Allstate Drivewise can cut your usage-based insurance premium based on actual driving behavior. Both apps track road habits and adjust rates accordingly. Electric vehicle owners who log fewer miles tend to see the biggest savings from these programs.
- 6Check rates every year
Get car insurance quotes from at least three companies each year. Your insurer won't notify you when competitors lower their prices, so yearly comparisons could save up to 24% on Rivian R1S coverage. Rates for electric vehicles shift as more insurers enter the market, so last year's best deal may not hold.
Rivian R1S Insurance Cost: Bottom Line
Rivian R1S insurance costs more than average, but some insurers still offer competitive rates. Compare quotes from multiple companies, claim available discounts and adjust your coverage options to lower costs for your electric SUV.
Rivian R1S Insurance Rates: FAQ
What is the average cost of car insurance for a Rivian R1S?
Rivian R1S insurance costs average $1,750 annually for state minimum coverage and $3,427 yearly for full coverage. These rates make the electric SUV relatively affordable to insure compared to national averages.
What company has the cheapest car insurance for a Rivian R1S?
Travelers has the most affordable auto insurance for a Rivian R1S, with minimum coverage at $1,123 annually. For full coverage, Travelers is also the best value at $2,092 per year.
Are Rivian R1S models expensive to insure?
Yes, Rivian R1S insurance costs more than most vehicles to insure. Among the 827 models we track, it ranks 712th for affordability, though it places 208th out of 256 SUVs.
What factors affect Rivian R1S insurance costs?
Multiple elements affect Rivian R1S insurance premiums. The electric truck's advanced technology and specialized parts can increase repair costs, which pushes rates up. Your driving record, credit score and chosen coverage levels also influence your monthly premium.
How can I lower Rivian R1S insurance costs?
Compare quotes from at least three insurers since Rivian R1S pricing can differ considerably between companies, and look into usage-based programs that monitor your driving habits. Claim available discounts, bundle policies and keep a clean driving record for better rates.
How We Determined Rivian R1S Insurance Costs
We studied hundreds of millions of quote estimates across all U.S. models sold from 2000 to 2025 to determine the most accurate Rivian R1S insurance costs.
Who We Based These Rates On
These Rivian R1S prices reflect what a typical driver pays:
- Age 40, unmarried male
- Clean record: no tickets or crashes
- Credit score in a good range
- Has never made an insurance claim
- Puts about 12,000 miles on the odometer yearly
- Has a valid driver's license with no suspensions on record
Coverage Definitions
- Minimum coverage: State-required liability limits
- Full coverage: 100/300/100 liability + comprehensive/collision with $1,000 deductibles
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he has produced original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He writes about economics and insurance on MoneyGeek so people can make coverage decisions with confidence. His insurance insights have been featured in The Washington Post, The New York Times and NPR, among other media outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data, and no insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). He began his career in financial risk management at State Street. He's also a five-time Jeopardy champion!