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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Joel...

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Reviewed by Joel Ohman
Founder, CFP® Joel Ohman

UPDATED: Dec 20, 2021

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The Truth in a Nutshell

  • Rivian car insurance is designed to cover Rivian electric vehicles
  • Rivian insurance is underwrtten by partner companies like Nationwide
  • Drivers get lower rates for using the Driver+ telematics built into the Rivian vehicles

Rivian car insurance is available to drivers who purchase the new RT1 and RS1 electric vehicles. Insurance is offered through a two partner companies, and the built-in Driver+ system offers lower rates.

While there are many pros and cons of usage-based car insurance, your driving habits may determine if you find affordable Rivian car insurance.

It makes sense to shop around before you settle on an insurance company. Every company will offer different rates, so compare multiple companies to find the best deal.

Keep reading our Rivian car insurance review to learn more. Enter your ZIP code to compare free quotes from car insurance companies in your area.

What is Rivian car insurance?

Rivian is a brand new electric vehicle manufacturer that has decided to include car insurance when selling a car. You can get a Rivian car insurance quote in 48 states while you are purchasing your vehicle online.

There isn’t a Rivian car insurance company. In fact, all insurance needs are handled through an underwriter like Nationwide.

Rivian car insurance rates will vary, but drivers who use the already included Driver+ features will get lower rates and discounts.

This built-in telematics can perform functions like steering, lane changes, and braking. Rivian contends that the Driver+ telematics makes driving safer. The more drivers use the technology, the lower the auto insurance rates.

Rivian also states that by connecting insurance with the Driver+ system, the company can diagnose issues easily without the vehicle having to be brought into one of the repair facilities.

According to the National Highway Traffic Safety Administration, there are several degrees of automated driving, each with its own set of benefits and concerns.

Each state establishes its own rules for the forms of automated driving that are permitted, as well as who is liable in the event of an accident. This is when auto insurance becomes complicated.

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What are Rivian car insurance rates?

Since Rivian car insurance is very new, we can’t get specific rates. However, we can look at average rates from Nationwide and other top companies.

While there are many factors that affect your car insurance rates, the most significant one is your driving record. It indicates how risky of a driver you are, and insurance companies will charge more for riskier drivers.

This table shows average annual rates based on your driving history from top car insurance companies.

Average Annual Car Insurance Rates Based on Driving History
Insurance CompaniesAverage Annual Rates with a Clean Driving RecordAverage Annual Rates with One AccidentAverage Annual Rates with One DUIAverage Annual Rates with One Speeding Violation
Allstate$3,819.90$4,987.68$6,260.73$4,483.51
American Family$2,693.61$3,722.75$4,330.24$3,025.74
Farmers$3,460.60$4,518.73$4,718.75$4,079.01
GEICO$2,145.96$3,192.77$4,875.87$2,645.43
Liberty Mutual$4,774.30$6,204.78$7,613.48$5,701.26
Nationwide$2,746.18$3,396.95$4,543.20$3,113.68
Progressive$3,393.09$4,777.04$3,969.65$4,002.28
State Farm$2,821.18$3,396.01$3,636.80$3,186.01
Travelers$3,447.69$4,289.74$5,741.40$4,260.80
USAA$1,933.68$2,516.24$3,506.03$2,193.25
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Rivian’s electric vehicles with Driver+ are designed to help you improve your driving record by preventing accidents and other bad habits.

The system uses 11 cameras, five radars, and 12 ultrasonic sensors to keep you accident-free.

Drivers who use Driver+ the most will see the lowest car insurance rates.

Rivian will provide coverage for your home, boat, camper, and other recreational vehicles in addition to traditional auto insurance.

What car insurance discounts are available with Rivian?

Auto insurance discounts are a great way for drivers to save money. Discounts are usually offered based on the driver, policy, and even safety features of your vehicle.

Drivers may be eligible for discounts from Nationwide and other companies because Rivian uses them as underwriters.

This table lists possible Nationwide discounts for Rivian customers, as well as discounts from other top insurance companies. If the discount amount is known, it is listed.

Car Insurance Discounts by Company
Car Insurance DiscountsAllstate (%)American Family (%)Farmers (%)GEICO (%)Liberty Mutual (%)Nationwide (%)Progressive (%)State Farm (%)Travelers (%)USAA (%)
Adaptive Cruise ControlN/AN/AN/AN/A5xxN/AN/AN/A
Adaptive HeadlightsN/AN/AxN/A5xxN/AN/AN/A
Anti-lock Brakesxxx555x5xx
Anti-Theftxxx252025x15xx
Claim Freexxx26x10x152312
Continuous CoveragexxxxN/AN/AxN/A15N/A
Daytime Running Lightsxxx155xN/Axx
Defensive Driverxxxx105105103
Distant StudentxxxxN/A10xx7x
Driver's Edxxxx10N/A101583
Driving Device/AppxxN/Ax30402050305
Early SigningxxxxN/A8xN/A1012
Electronic Stability ControlxxxN/A5xxN/AN/AN/A
Emergency DeploymentN/AN/AN/A25N/AN/AN/AN/AN/AN/A
Engaged CoupleN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Family LegacyN/AxN/AxN/AN/AxN/AN/A10
Family PlanN/AxxN/AN/A25N/AN/AN/AN/A
Farm VehiclexN/AxxN/AN/AN/AN/AN/AN/A
Fast 5N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Federal EmployeeN/AN/Ax810N/AN/AN/AN/AN/A
Forward Collision WarningN/AN/AN/AN/A5xxN/AN/AN/A
Full PaymentN/Axxx$5N/AxN/A7.5N/A
Further EducationN/AN/AN/Ax1015N/AN/AxN/A
Garaging/StoringN/AN/AxN/AN/AN/AN/AN/Ax90
Good CreditxxN/AN/AN/AxxxN/AN/A
Good Studentxxx1522.510x2583
Green VehiclexN/A5N/A10N/AN/AN/A10N/A
HomeownerN/AN/Axxx5x35N/A
Lane Departure WarningN/AN/AN/AN/AxxxN/AN/AN/A
Life InsurancexN/AN/AN/AN/AxN/AN/AN/AN/A
Low Mileagexxxxxxx30xx
LoyaltyN/AxN/AxN/A5xN/AN/Ax
MarriedN/AN/AN/AN/AxxxxN/Ax
Membership/GroupN/AN/AN/Ax107N/AN/AxN/A
MilitaryxN/Ax154N/AN/AxN/Ax
Military GaragingN/AN/AN/AN/AN/AN/AN/AN/AN/A15
Multiple DriversN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Multiple Policies1029x102010121713x
Multiple Vehiclesxxx25102010208x
New AddressN/AN/AN/AN/A5N/AN/AN/AN/AN/A
New Customer/New PlanN/AN/AN/AN/AxN/AN/AN/AN/AN/A
New GraduateN/AN/AN/AN/A5N/AN/AN/AN/AN/A
Newer VehiclexN/AxxN/Axx401012
Newly LicensedN/AN/AN/AN/A5N/AN/AN/AN/AN/A
NewlywedsN/AN/AN/AN/A5N/AN/AN/AN/AN/A
Non-Smoker/Non-DrinkerN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Occasional OperatorN/AN/AN/AN/AN/AN/AN/AN/AN/Ax
OccupationxN/Axx1015N/AN/AxN/A
On-Time PaymentsxN/AN/AN/AN/AN/AN/AN/A15N/A
Online ShopperN/AN/AN/AN/AN/AN/A7N/AN/AN/A
Paperless DocumentsxxxN/AN/A5$50N/AN/AN/A
Paperless/Auto BillingxxxN/Ax$30x$233
Passive Restraintxxx40x20x40xx
Recent RetireesN/AN/AN/AN/A4N/AN/AN/AN/AN/A
RenterN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Roadside AssistanceN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Safe DriverN/AN/Ax15N/A3531152312
Seat Belt UseN/AN/AN/A15N/AN/AN/AN/AN/AN/A
Senior DriverxN/AxN/AN/AN/AN/AN/AN/Ax
Stable ResidenceN/AN/AN/AN/AN/AxxN/AN/AN/A
Students & AlumniN/AxN/Ax107N/AN/AN/AN/A
Switching ProviderN/AxxN/A10N/AxN/AN/AN/A
Utility VehiclexN/AxxN/AN/AN/AN/AN/AN/A
Vehicle Recoveryxxx153525x5xx
VIN EtchingN/AN/AxN/A5xxN/Axx
VolunteerN/AxN/AN/AN/AN/AN/AN/AN/AN/A
Young DriverN/AN/AN/AN/AxN/AxN/AN/A$75
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Rivian also gives a discount to drivers who use the Driver+ feature. Savings increase the more drivers use Driver+.

How do you cancel Rivian car insurance?

Since Rivian car insurance is offered by companies like Nationwide, you will have to follow the cancelation policy of your specific company.

However, there are some basic steps to canceling your auto insurance that apply no matter what company you are with.

Steps to canceling car insurance include:

  • Find out when your current coverage will expire. Depending on which insurance company underwrites your policy, you may be charged a cancellation fee. You can avoid those fees by waiting until your policy expires.
  • Look for new insurance coverage. Each insurance company will evaluate your personal information differently and provide you with varied rates.
  • Get started on your new coverage. Choose a new company and new insurance coverage. Choose a date for your insurance to take effect.
  • Your Rivian auto insurance should be canceled. To avoid a coverage gap, schedule your cancellation for a few days after your new policy takes effect.
  • Check with your old auto insurance company to discover whether your policy has ended and if you are entitled to a refund.

The most important thing to remember is to not let your coverage lapse while you are switching insurance companies. A lapse in coverage will cost you fines, higher rates when you do get new coverage, and possible jail time.

How do you file a car insurance claim with Rivian?

As with canceling coverage, you will have to follow the claims process for the specific company that is insuring you. While some companies allow you to file a claim in an app, you may have to call to get your claims process started.

Either way, make sure you have all of the information handy. You will need pictures of the damage as well as a police report if one was filed.

Remember, filing an accident claim can raise your rates. Do the math to determine if it will be cheaper to pay for damages yourself rather than paying higher car insurance rates.

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What are the Rivian car insurance ratings?

Since Rivian is a brand new company, it hasn’t earned financial and customer interaction ratings yet. However, we can look at Rivian underwriters to see what to expect.

Nationwide has been rated by A.M. Best on financial strength. It earned an A+ rating, which shows a superior ability to meet financial needs.

The Better Business Bureau (BBB) rates companies on how well they respond to customers. Again, Nationwide received an A+ rating, as well as accreditation.

Although these ratings don’t apply to Rivian, they can reflect the types of companies Rivian chooses to partner with. Drivers can have confidence their insurance needs are being met by reliable companies.

Rivian Car Insurance: The Bottom Line

Rivian car insurance is only available on newly manufactured electric vehicles from the company. Insurance offered through the vehicle maker adds a level of convenience for customers.

Although Rivian helps customers get car insurance, coverage is actually handled by underwriters. Drivers have to contact the specific company offering coverage to handle any insurance needs.

Before you buy Rivian car insurance, shop around. Each company will look at your personal factors differently and offer competitive rates.

We hope you’ve learned all you need to know about Rivian auto insurance. Before you go, enter your ZIP code to compare free car insurance quotes from companies in your area.