Rivian Car Insurance Review & Ratings (2022)

Underwriters like Nationwide offer Rivian car insurance for its electric vehicles. While reduced Rivian auto insurance rates are possible, they depend on how much the automated Driver+ technology is used. Driver+ can safely steer, brake, and change lanes, reducing the risk of an accident. Rivian owners are not required to purchase insurance through the company, however, due to the telematics utilized in Driver+, rates may be lower.

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Chris Tepedino is a feature writer that has written extensively about home, life, and car 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 C...

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent

UPDATED: Jan 13, 2022

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Company Details
Address: 13250 North Haggerty Road
City: Plymouth
State: MI
ZIP Code: 48170
Phone Number: 1-888-748-4261
Website: rivian.com/
Year Founded: 2009
AM Best Rating: N/A
Company Rating 0 (0 reviews)

Rivian car insurance is only offered to drivers who buy the company’s electric vehicles and is provided by top underwriters like Nationwide. Drivers are offered lower car insurance rates for using the built-in Driver+ system that can help avoid accidents.

While you can get affordable Rivian car insurance by using Driver+ for a lot of driving needs, you aren’t locked into insurance through the company. Shop around and compare multiple companies to find your best deal.

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

What is Rivian car insurance?

Rivian manufactures electronic vehicles. Although the company has been around since 2009, it has just begun delivering its vehicles. Rivian has also decided to add insurance to its offerings.

However, there is no Rivian car insurance company. Rivian uses top insurers like Nationwide to offer coverage in 48 states.

Rivian auto insurance rates will depend on how often drivers use Driver+, a built-in automated driving feature. Driver + uses 11 cameras, five radars, and 12 ultrasonic sensors to perform tasks like braking, steering, and even changing lanes.

The goal of Driver+ is to help drivers avoid accidents, and using it can lower your Rivian rates. Drivers who save the most will depend on the telematics system often.

It should be noted that states are just learning how to deal with automated driving. According to the National Highway Traffic Safety Administration (NHTSA), there are different levels of autonomous driving, each with its own set of advantages and disadvantages.

Each state establishes its own rules regarding the sorts of automated driving that are permitted and who is liable in the event of an accident. This is where auto insurance becomes a little more complicated.

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What are Rivian car insurance rates?

Drivers can get Rivian car insurance quotes when they order their electric vehicle, but rates will vary depending on the Driver+ program usage.

Although we do not have Rivian auto insurance rates, we do have Nationwide rates that can give you an indication of what to expect. But, just how are car insurance rates determined?

Car insurance companies look at many different personal factors to determine your rates, such as your age and driving record.

Your driving history is perhaps the most significant factor looked at because it shows a car insurance company how risky it will be to insure you.

This table shows average annual rates based on driving records from some of the top insurance companies, including Nationwide.  It will give you an idea of how much your driving affects your rates.

Average Annual Car Insurance Rates by Driving History
CompanyAverage Annual Rates with Clean RecordAverage Annual Rates with 1 AccidentAverage Annual Rates with 1 DUIAverage Annual Rates with 1 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 Drive+ are designed to help you improve your driving record by preventing accidents and other bad habits.

In addition to car insurance, Rivian will also offer coverage for your home, boat, camper, and other recreational vehicles.

What car insurance discounts are available with Rivian?

Car insurance discounts can mean huge savings for drivers, especially since many companies allow you to bundle all of the discounts you qualify for. Rivian doesn’t offer specific discounts, just lower rates for using the Driver+ features.

Because Rivian uses underwriters for its car insurance, you may be able to get discounts from your specific company. This table shows common car insurance discounts from top companies, including Nationwide.

Car Insurance Discounts By Company
Auto Insurance DiscountsAllstate (%)American Family (%)Farmers (%)GEICO (%)Liberty Mutual (%)Nationwide (%)Progressive (%)State Farm (%)Travelers (%)USAA (%)
Adaptive Cruise ControlN/AN/AN/AN/A5N/AN/AN/A
Adaptive HeadlightsN/AN/AN/A5N/AN/AN/A
Anti-lock Brakes5555
Anti-Theft25202515
Claim Free2610152312
Continuous CoverageN/AN/AN/A15N/A
Daytime Running Lights155N/A
Defensive Driver105105103
Distant StudentN/A107x
Driver's Ed10N/A101583
Driving Device/AppN/A30402050305
Early SigningN/A8N/A1012
Electronic Stability ControlN/A5N/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/AN/AN/AN/AN/AN/A10
Family PlanN/AN/AN/A25N/AN/AN/AN/A
Farm VehicleN/AN/AN/AN/AN/AN/AN/A
Fast 5N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Federal EmployeeN/AN/A810N/AN/AN/AN/AN/A
Forward Collision WarningN/AN/AN/AN/A5N/AN/AN/A
Full PaymentN/A$5N/AN/A7.5N/A
Further EducationN/AN/AN/A1015N/AN/AN/A
Garaging/StoringN/AN/AN/AN/AN/AN/AN/A90
Good CreditN/AN/AN/AN/AN/A
Good Student1522.5102583
Green VehicleN/A5N/A10N/AN/AN/A10N/A
HomeownerN/AN/A535N/A
Lane Departure WarningN/AN/AN/AN/AN/AN/AN/A
Life InsuranceN/AN/AN/AN/AN/AN/AN/AN/A
Low Mileage30
LoyaltyN/AN/AN/A5N/AN/A
MarriedN/AN/AN/AN/AN/A
Membership/GroupN/AN/AN/A107N/AN/AN/A
MilitaryN/A154N/AN/AN/A
Military GaragingN/AN/AN/AN/AN/AN/AN/AN/AN/A15
Multiple DriversN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Multiple Policies1029102010121713
Multiple Vehicles25102010208
New AddressN/AN/AN/AN/A5N/AN/AN/AN/AN/A
New Customer/New PlanN/AN/AN/AN/AN/AN/AN/AN/AN/A
New GraduateN/AN/AN/AN/A5N/AN/AN/AN/AN/A
Newer VehicleN/AN/A401012
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/A
OccupationN/A1015N/AN/AN/A
On-Time PaymentsN/AN/AN/AN/AN/AN/AN/A15N/A
Online ShopperN/AN/AN/AN/AN/AN/A7N/AN/AN/A
Paperless DocumentsN/AN/A5$50N/AN/AN/A
Paperless/Auto BillingN/A$30$233
Passive Restraint402040
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/A15N/A3531152312
Seat Belt UseN/AN/AN/A15N/AN/AN/AN/AN/AN/A
Senior DriverN/AN/AN/AN/AN/AN/AN/A
Stable ResidenceN/AN/AN/AN/AN/AN/AN/AN/A
Students & AlumniN/AN/A107N/AN/AN/AN/A
Switching ProviderN/AN/A10N/AN/AN/AN/A
Utility VehicleN/AN/AN/AN/AN/AN/AN/A
Vehicle Recovery1535255
VIN EtchingN/AN/AN/A5N/A
VolunteerN/AN/AN/AN/AN/AN/AN/AN/AN/A
Young DriverN/AN/AN/AN/AN/AN/AN/A$75
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Since discounts can equal significantly low rates, it’s definitely worth asking the underwriter if those company discounts can extend to you.

How do you cancel Rivian car insurance?

You need to contact the Rivian underwriter that handles your policy to find out about their cancelation policy.

Ask about when your policy expires, any cancelation fees that apply, and if you are entitled to a refund if you have prepaid.

Once you are ready, shop around for coverage. Compare multiple companies since each one will weigh your personal factors and offer different rates. When you find the right company for you, get your new policy in place.

You can then complete the cancellation process with your current insurer. Just make sure that your new policy begins a day or two before your old policy ends. This helps you avoid an expensive lapse in coverage.

How do you file a car insurance claim with Rivian?

As with canceling Rivian car insurance, the claims process will vary by the underwriter. While some companies let you begin the claims process online or in an app, some require you to call and send in paperwork.

You will also need pictures of the damage to your vehicle available and a police report if you have one.

Think carefully before filing a car insurance claim since it can increase your rates for years. Depending on the damage to your car, it may be cheaper for you to pay for the damages yourself.

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What are the Rivian car insurance ratings?

Ratings are important when choosing a car insurance company because you need to know that your company is there when you need it.

Since Rivian itself doesn’t actually offer car insurance, we will have to look at its underwriters like Nationwide to get an idea of how the company performs.

Financial stability is used by A.M. Best to rank companies. Nationwide was given an A+, indicating that they have a superior ability to pay their financial responsibilities.

Companies are ranked by the Better Business Bureau (BBB) depending on how well they connect with their customers. Nationwide has been accredited and earned an A+ rating.

Although these rankings aren’t for Rivian, they can give drivers confidence that their needs will be met.

Rivian Car Insurance: The Bottom Line

Rivian offers auto insurance to customers who buy its electric automobiles. Although the company does not sell its own insurance, it does provide coverage through underwriters such as Nationwide.

Before you buy Rivian car insurance, shop around to ensure that you are getting the best deal possible. Compare different companies to see who can offer you great coverage with low rates.

We hope you now know everything there is to know about Rivian auto insurance. Before you leave, enter your ZIP code to compare free car insurance quotes from local companies.

  1. https://www.nhtsa.gov/technology-innovation/automated-vehicles-safety

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