Insuring a Rivian costs about $1,694 a year for a typical model at the US average — above average — pricier than most brands. The cheapest is the R1S (~$1,662/yr), the priciest the R1T (~$1,694/yr). Your own rate shifts with your state, age and record, but the model you pick sets the baseline: across 2 Rivians that baseline spans $1,662 to $1,694 a year.
Rivian insurance cost by model
Estimated annual premium for every Rivian model at the US average, cheapest first — from real HLDI insurance-loss indices. Click a model for its full page — all 2 of them, from the R1S up to the R1T.
Cheapest Rivians to insure
The Rivian models that cost the least to insure at the US average.
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Rivian insurance cost by state — all 50
Where you live moves a Rivian premium as much as which model you pick. A typical Rivian (index 118) runs about $2,348/yr in Florida but only $1,091/yr in Maine — a swing of over $1,258 on the same car.
Estimated annual premium for a typical Rivian in every state, priciest first.
| State | Typical Rivian / yr | vs US average |
|---|---|---|
| Florida | $2,348/yr | +39% vs US |
| Louisiana | $2,331/yr | +38% vs US |
| New York | $2,233/yr | +32% vs US |
| District of Columbia | $2,142/yr | +26% vs US |
| Georgia | $2,057/yr | +21% vs US |
| Texas | $2,034/yr | +20% vs US |
| Rhode Island | $2,014/yr | +19% vs US |
| New Jersey | $1,994/yr | +18% vs US |
| Colorado | $1,950/yr | +15% vs US |
| Maryland | $1,888/yr | +11% vs US |
| Nevada | $1,885/yr | +11% vs US |
| Michigan | $1,852/yr | +9% vs US |
| Delaware | $1,849/yr | +9% vs US |
| South Carolina | $1,787/yr | +5% vs US |
| Connecticut | $1,777/yr | +5% vs US |
| Arizona | $1,772/yr | +5% vs US |
| California | $1,669/yr | -1% vs US |
| Massachusetts | $1,665/yr | -2% vs US |
| Mississippi | $1,643/yr | -3% vs US |
| Oklahoma | $1,560/yr | -8% vs US |
| Missouri | $1,558/yr | -8% vs US |
| New Mexico | $1,533/yr | -10% vs US |
| Arkansas | $1,527/yr | -10% vs US |
| Utah | $1,513/yr | -11% vs US |
| Pennsylvania | $1,500/yr | -11% vs US |
| Alabama | $1,495/yr | -12% vs US |
| Oregon | $1,494/yr | -12% vs US |
| Alaska | $1,487/yr | -12% vs US |
| Illinois | $1,480/yr | -13% vs US |
| Virginia | $1,459/yr | -14% vs US |
| Washington | $1,454/yr | -14% vs US |
| West Virginia | $1,446/yr | -15% vs US |
| Minnesota | $1,441/yr | -15% vs US |
| Tennessee | $1,427/yr | -16% vs US |
| Kentucky | $1,423/yr | -16% vs US |
| Nebraska | $1,394/yr | -18% vs US |
| Montana | $1,394/yr | -18% vs US |
| Kansas | $1,392/yr | -18% vs US |
| Wyoming | $1,390/yr | -18% vs US |
| South Dakota | $1,364/yr | -19% vs US |
| North Carolina | $1,292/yr | -24% vs US |
| Ohio | $1,222/yr | -28% vs US |
| New Hampshire | $1,216/yr | -28% vs US |
| Indiana | $1,216/yr | -28% vs US |
| Iowa | $1,189/yr | -30% vs US |
| Wisconsin | $1,178/yr | -30% vs US |
| Hawaii | $1,176/yr | -31% vs US |
| Idaho | $1,156/yr | -32% vs US |
| North Dakota | $1,132/yr | -33% vs US |
| Vermont | $1,128/yr | -33% vs US |
| Maine | $1,091/yr | -36% vs US |
Estimate a specific Rivian model in your state →
Rivian insurance cost by year
A typical Rivian costs about +19% more to insure than in 2019 — premiums have climbed across the board. Estimated typical Rivian premium by year (US average):
| Year | Typical Rivian / yr |
|---|---|
| 2023 | |
| 2022 | |
| 2021 | |
| 2020 | |
| 2019 |
For how insurance changes by a car's model year (a 2018 vs a 2024 of the same model), see each model's page.
Insurance cost rankings
Full lists ranked by the same HLDI loss data behind every Rivian figure above.
| Ranking | Tops the list | Estimated cost | Cars ranked |
|---|---|---|---|
| Cheapest Cars | Chevrolet Express | $690/yr | 669 |
| Priciest Cars | McLaren 720S | $10,589/yr | 669 |
| Cheapest for Teen Drivers | Chevrolet Express | $690/yr | 309 |
| Cheapest for Young Drivers | Chevrolet Express | $690/yr | 309 |
| Cheapest for New Drivers | Chevrolet Express | $690/yr | 591 |
Rivian insurance — frequently asked
Is Rivian expensive to insure?
Rivian is above average — pricier than most brands to insure — a typical model runs about $1,694/yr at the US average. Sportier and pricier models cost more; mainstream ones cost less — the gap inside the range runs from $1,662 to $1,694.
What is the cheapest Rivian to insure?
The R1S is the cheapest Rivian to insure in our data — around $1,662/yr at the national average, about -16% below a typical car.
What is the most expensive Rivian to insure?
The R1T is the priciest Rivian to insure — roughly $1,694/yr, about 18% above the average car.
How much is insurance on a Rivian per month?
A typical Rivian costs about $141/month at the US average for full coverage. It varies by exact model, your state, age and driving record — the cheapest Rivian runs about $139/month, the priciest $141.
How is this Rivian estimate calculated?
We combine each Rivian model's real HLDI insurance-loss index with the NAIC average premium for the US (or your state). It's an estimate for a typical driver with full coverage — not a quote.