Rivian Auto Insurance Review for 2022

Rivian auto insurance is coverage offered by a new electric car start-up company with the same name. Currently, you can only buy Rivian auto insurance if you own one of Rivian’s two all-electric vehicles that are just now shipping out to customers. While Rivian auto insurance rates are not available at this time, quotes for similar electric cars cost $225 per month or $2,700 annually.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati.com. ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent Rachael Brennan

UPDATED: Nov 29, 2021

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Can't-Miss Facts

  • Rivian auto insurance is only for people who own Rivian vehicles
  • The first fleet of Rivian electric cars are shipping to customers through early 2022
  • While Rivian auto insurance rates are unavailable, similar vehicles cost $225 per month or $2,700 annually on average for coverage

Rivian auto insurance was created as an affordable option for electric car insurance.

While Rivian itself is an electric car start-up, Rivian Insurance Services LLC, policies are underwritten by Nationwide and The Cincinnati Insurance Company and include coverage for off-roading and Rivian-branded parts.

While you can add other vehicles to your policy, only people who own Rivian cars can purchase automobile insurance from this company. The first fleet of vehicles is shipping out to customers through early 2022.

In this Rivian auto insurance review you’ll learn how to request a quote, how much it might cost, and discover what the current financial ratings and customer reviews look like to help you determine if Rivian insurance is right for you.

After reading about how to buy Rivian auto insurance, don’t forget to enter your ZIP code into our free quote comparison tool below to see rates from the top companies in your region.

What is Rivian auto insurance?

Rivian is a new electric car start-up that promises to cultivate a sustainable and technologically advanced adventurous spirit.

It sells two models, the R1T truck and the R1S sports utility vehicle (SUV).

However, electric cars typically have much higher than average auto insurance rates. This is a problem that often impacts drivers of Tesla vehicles.

So, to prevent Rivian car owners from seeing similarly high rates, Rivian collaborated with already-established insurance companies to create Rivian Insurance Services LLC.

Today, Nationwide Auto Insurance Company, the Cincinnati Insurance Company, and any associated affiliates underwrite Rivian Insurance auto policies in 48 states, with plans to expand in the future.

While the coverage extends to additional makes and models, you must own a Rivian vehicle to purchase a policy from this company.

You can request a Rivian auto insuranace quote during the purchasing process if you buy a Rivian truck or SUV. Otherwise, call or email the company directly.

Rivian insurance advisors are available any weekday between 7 a.m. and 7 p.m. central time for customer assistance.

An insurance advisor helps create a policy with you that accommodates the way you use your Rivian vehicle.

What coverage does Rivian insurance include?

Rivian Insurance sells traditional auto insurance coverage options, including liability, comprehensive, and collision coverage.

Plus, unlike traditional coverage, all policies include coverage for off-roading and Rivian-branded materials.

Dedication to sustainable adventuring is one of the things that sets Rivian apart from other companies.

Rivian auto insurance rates are unavailable at this time. However, quotes for similar electric vehicles average $225 per month or $2,700 annually.

Plus, according to the website, customers may save up to 15% on their rates at policy renewal by using the Driver+ Highway Assist feature installed on every Rivian vehicle.

Use the Rivian mobile application to view your policy, pay your bill, and make any updates or changes.

The Rivian app also connects you to your Rivian membership, which provides access to the entire Rivian community.

During the company’s launch, the membership is complimentary. However, a fee may apply in the future. At this time, one benefit of the membership is access to what Rivian calls off-roadside assistance.

Technically, the off-roadside assistance is part of your vehicle warranty, as is the standard roadside assistance that comes with purchasing a new Rivian. So it is not actually part of the insurance policies.

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What are the average Rivian auto insurance rates?

Rivian auto insurance rates are currently not available. However, similar electric cars cost $225 per month or $2,700 annually on average to insure.

Since the goal of Rivian is to create informed policies for electric cars, the rates may look similar or even cost less.

The website also invites Rivian drivers to call an insurance advisor to see how different vehicle safety features lead to possible insurance savings.

How do you file a claim with Rivian auto insurance?

Not much is known about the Rivian claims process just yet. The company is very new, and customers are only just now receiving their Rivian trucks and SUVs.

However, a claims center is available in the mobile app. Plus, you may also call the company directly for assistance with filing a claim.

The company only uses trained mechanics familiar with Rivian vehicles and parts for your repairs. Plus, it promises to apply the newest technology to your car whenever maintenance is required.

Nationwide and The Cincinnati underwrite the policies, and the claims centers for both companies received neutral to positive customer reviews, with Nationwide faring slightly better.

Hopefully, the Rivian claims process will be just as reliable and seamless.

Does Rivian Insurance offer auto insurance discounts?

Rivian does not provide a complete list of available car insurance discounts at this time. However, the website does advertise both insurance bundles and stackable deals.

Specifically, Rivian advertises a home and auto bundle that could lead to a 20% discount on your rates.

You may also save up to 15% on your policy using the Driver+ Highway Assist feature in your Rivian vehicle.

When activated, it steers, brakes, and accelerates your vehicle on specific highways.

Because Rivian is affiliated with Nationwide and The Cincinnati, it may offer similar discounts as those companies.

So look for loyalty discounts, membership or group deals, and anti-theft or safe driver rate reductions.

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What are the ratings and reviews for Rivian Insurance?

Understanding an insurance company’s financial rankings and customer reviews helps you determine if the company is reliable and efficient before making any commitments.

Unfortunately, Rivian Insurance Services LLC. is new, so it does not have any financial or customer reviews at this time.

Instead, we’ll look at Nationwide’s reviews since this leading insurance company underwrites a large percentage of the Rivian auto policies.

Nationwide earned the following financial scores from the leading rating agencies:

  • A.M. Best: A+
  • Moody’s: A1
  • Standard & Poor’s: A+

Fortunately, these high scores imply that Rivian Insurance can efficiently and reliably close out any claims and complete repairs since it’s backed by a company in a solid financial position.

Fortunately, the customer experience with Nationwide appears to be neutral to positive.

It received a complaint index of 2.23, according to the National Association of Insurance Commissioners (NAIC).

While 2.23 means the company does receive more complaints than average, the number is not high enough to cause any concerns.

Plus, it’s common for insurance companies to receive primarily negative online reviews.

What is the history of Rivian?

Robert Scaringe, the CEO of the Rivian Automotive Group, started the company in 2009.

However, he purposefully kept out of the public eye while developing the groundbreaking electric truck and SUV.

Hoping to do for trucks what Tesla did for luxury vehicles, Scaringe raised over $1.7 billion for the company before ever producing a single truck.

Rivian then collected further investments from large companies, including Amazon and Ford Motor.

In 2017, the company acquired an old Mitsubishi manufacturing plant in Normal, Illinois, and finally produced the long-awaited alpha prototypes.

Today the company is in the process of shipping out its first fleet of trucks and SUVs to customers.

In early 2021, Rivian collaborated with established insurance groups, Nationwide and The Cincinnatti, to create policies specifically for electric cars.

Out of the partnership came Rivian Insurance Services LLC. The company now offers affordable Rivian auto insurance policies in 48 states, with plans to expand in the future.

What vehicles does Rivian sell?

Currently, Rivian only sells two vehicles, the R1T truck, and the R1S SUV. There are also three equipment packages available, the LaunchEdition, Adventure Package, and Explore Package.

However, the Launch Edition is the first fleet of vehicles, and reservations for this package are currently full.

Sustainability and technology set Rivian vehicles apart from other car brands.

For example, all cars feature animal-free interiors intended to be reused or recycled at the end of the vehicle’s life.

Plus, the batteries in all Rivian models are easily removable and partially recyclable.

These electric vehicles promise to drive further on a single battery charge than any other vehicle currently on the market.

Compare further specifications for both the truck and SUV in the table below.

Rivian Vehicle Details by Model
Vehicle DetailsR1TR1S
Starting price$64,000$70,000
Miles driven per battery charge314 miles316 miles
Recommended wheel size21 inch21 inch
Towing capacity11,000 lbs7,700 lbs
Wading depth3 feet3 feet
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Note that tire size does affect the range of these vehicles. For example, the truck and SUV see a 10% to 15% decrease in range with 20-inch wheels and a 5% to 10% reduction with 22-inch wheels.

Plus, all Rivian vehicles come equipped with Driver+ Highway Assist.

This advanced, hands-free driver assistance program uses 11 cameras, five radars, and 12 ultrasonic sensors to provide you with a 360-degree view of your vehicle.

It controls your speed, steering, brakes, and even changes lanes at your command when activated.

In the future, Rivian plans on releasing two additional trucks that reach 250 and 400 miles on a single battery charge. Rivian also plans to release another SUV that gets 250 miles on a battery charge as well.

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What other insurance products does Rivian offer?

The Rivian website also offers home, boat, camper, and other vehicle insurance to Rivian policyholders.

Nationwide or The Cincinnati also underwrites these additional insurance types.

But availability does vary depending on where you live. For specific details, call the company directly.

Similarly, you can also insure other car brands under your Rivian policy. But, to qualify for coverage, you have to own and insure at least one Rivian-branded car.

Rivian Auto Insurance: The Bottom Line

Rivian Insurance Services LLC. is literally made for the Rivian driver. So if you own one of these state-of-the-art SUVs or trucks, consider reaching out to a Rivian representative today.

The goal is for Rivian to offer cheaper, informed policies for electric car owners.

However, at this time, not much is known about this brand new insurance company.

As more customers receive and start using their Rivian vehicles, we should know more about the customer experience with Rivian Insurance.

You may need to own a Rivian to get Rivian auto insurance quotes, but you can enter your ZIP code into our rate comparison tool below to receive free quotes from the best companies near you immediately.

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