Rivian Car Insurance Review [2022]

Rivian car insurance is provided by underwriters such as Nationwide and is available for drivers who purchase one of the company’s electric vehicles. Drivers will get lower Rivian auto insurance rates the more they use the built-in Driver+ system that can safely steer, brake, and change lanes automatically. Drivers aren’t locked into Rivian insurance, but they may see much cheaper rates based on telematics.

UPDATED: Jun 22, 2022Fact Checked

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

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. Jo...

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Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

UPDATED: Jun 22, 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

You may not have heard of Rivian car insurance before, but it offers certain drivers a great way to get lower rates.

Rivian is an electric car manufacturer that’s relatively new to the auto and insurance industries. In fact, the first of the company’s vehicles were delivered in 2021.

Rivian offers usage-based auto insurance to drivers who buy one of its electric vehicles. Drivers who use the built-in telematics system get much lower rates.

However, not every driver will find affordable Rivian car insurance. Shop around before you choose an insurance company to find the best deal for you.

Read more about the company in our Rivian car insurance review. Enter your ZIP code to compare car insurance quotes from nearby companies for free.

What is Rivian car insurance?

Rivian has decided to offer car insurance for its customers, similar to what Tesla has begun. While there isn’t a Rivian car insurance company, it does use underwriters such as Nationwide to offer coverage in 48 states.

Rivian vehicles come equipped with automated driving technology called Driver+. This system can steer, brake, and even change lanes for the driver.

Since Rivian believes this telematics is safer than human driving, it offers drivers lower insurance rates the more they use Driver+.

Rivian can even use Driver+ to diagnose and make repairs without the driver having to come to one of the repair centers.

When it comes to car insurance, automated driving can be tricky.

According to the National Highway Traffic Safety Administration, there are five different levels of automated driving. However, rules change as to how car insurance works with each level of automated driving.

What are Rivian car insurance rates?

Drivers can get Rivian car insurance quotes online when they order their vehicles. However, rates will vary based on how much drivers actually use the Driver+ system.

Rivian is very concerned with driving behaviors since the purpose of Driver+ is to help drivers avoid accidents.

This table gives you average annual rates from top companies, including Nationwide, based on driver records. You can get an idea of how much your driving will affect Rivian car insurance 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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Drivers who use Driver+ will see the lowest rates since the company believes its automated system is safer than human driving.

According to Rivian, Driver+ uses 11 cameras, five radars, and 12 ultrasonic sensors.

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

What car insurance discounts are available with Rivian?

Car insurance discounts are an excellent way for drivers to save money. Most companies offer multiple discounts for everything from your driving history to your vehicle’s safety features.

Since Rivian car insurance is actually offered by partnered underwriting companies, drivers may be able to take advantage of discounts offered by those companies.

This table shows common auto insurance discounts from top companies, including Nationwide.

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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You can also get an additional discount for using the Driver+ system. Bundle all of the discounts you are eligible for to get the greatest savings.

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How do you cancel Rivian car insurance?

You will have to follow the cancelation policy of the company that administers the policy. However, there are steps you can follow to make the process as easy as possible.

Steps to canceling car insurance are:

  • Find out when your policy ends. Depending on the company, you may be charged a fee for canceling early.
  • Shop around for new coverage. Each company will offer different rates and discounts, so compare various companies to find your best deal.
  • Finalize your new policy once you’ve made your decision.
  • Let your current insurance company know you are leaving. You will need your policy number and the date you want your coverage to end.

It’s very important that your new coverage begins at least a day before your old policy ends to avoid a lapse in car insurance. A lapse in coverage is very costly and can lead to higher rates when your coverage starts again.

How do you file a car insurance claim with Rivian?

When it comes to filing an accident claim, you will also have to follow the policy for the company that offers you coverage. You may be able to file your claim in an app or online.

Before you file an auto insurance claim, think twice. Filing a claim can raise your insurance rates, so you could be better off paying for the damages yourself.

What are the Rivian car insurance ratings?

Since there is no Rivian car insurance company, you can’t get ratings. However, we can look at Nationwide to see how Rivian’s underwriters perform.

Nationwide earned an A+ rating in financial strength from A.M. Best. This shows a superior ability to meet financial commitments.

Nationwide also received an A+ rating from the Better Business Bureau for customer interaction.

Although these ratings aren’t actually for Rivian, drivers can feel confident that Rivian can meet their insurance needs.

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Rivian Car Insurance: The Bottom Line

Rivian offers auto insurance through underwriters for drivers who buy its electric vehicles. Car insurance rates vary, but drivers who use the automated Driver+ system will save the most money.

Since drivers aren’t required to buy Rivian car insurance, compare multiple companies to find great coverage with low rates.

We hope you’ve learned all you need to know about Rivian insurance. Enter your ZIP code now to compare free car insurance quotes from companies in your area.

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