Rivian Auto Insurance Review (2022)

Rivian auto insurance will be available to drivers who purchase the company’s electric vehicles, and the usage-based coverage will be offered through underwriters such as Nationwide. Rivian car insurance rates can be lowered if drivers take advantage of Drive+, the automated driving technology built into Rivian vehicles. Drivers may also be able to take advantage of discounts offered by the underwriting company.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Written by Rachel Bodine
Feature Writer Rachel Bodine

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Jun 29, 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

Rivian is a relatively new electric vehicle manufacturer that offers drivers a truck and SUV model.

To help with Rivian auto insurance for these vehicles, Rivian has decided to offer usage-based car insurance to its customers.

Drive+ comes on all Rivian vehicles and offers drivers a level of automated driving, allowing drivers to receive lower auto insurance rates.

More: GEICO Defensive Driving Course

Whether or not drivers can find affordable Rivian auto insurance will depend on how much they use the built-in technology.

Drivers are not locked into choosing Rivian auto insurance, and they should shop around to find the best deals available. Compare multiple companies to find great coverage and low rates.

Keep reading our Rivian auto insurance review to learn more about the company. Before you begin, enter your ZIP code now to compare free auto insurance quotes from companies near you.

What are Rivian auto insurance rates?

More: Dollar-a-Day Auto Insurance

Rivian is an electric vehicle manufacturer that is adding auto insurance to its offerings. Although a Rivian auto insurance company doesn’t actually exist, the company does use top insurance companies like Nationwide to underwrite the policies.

Rivian auto insurance will use built-in telematics to determine auto insurance rates. Drive+ can automatically steer, brake, and change lanes for drivers.

Rivian believes that drivers who take advantage of Drive+ will be much safer and offers lower rates for drivers who use the technology often.

More: NerdWallet Auto Insurance Review (2022 Guide)

The National Highway Traffic Safety Administration reports that there are multiple levels of automated driving, and each one has its own benefits and risks.

Each state creates its own guidelines for the types of automated driving allowed and who is responsible in the event of an accident. This is where auto insurance can get tricky.

Where is Rivian auto insurance available and how can you get quotes?

Rivian auto insurance will be available in 48 states to start with and plans to add more states quickly.

More: Why do some people say – don’t buy Progressive auto insurance?

However, you can’t get Rivian auto insurance quotes online, and it appears the company is just in the beginning stages of offering insurance.

Even though Rivian is new to the insurance game, its underwriters have been around for a long time and are well-respected.

Although Rivian auto insurance rates aren’t available, we do have Nationwide rates that can give you an idea of what to expect.

More: Insurify Auto Insurance Review [2022 Rate Quotes]

There are many factors that affect auto insurance rates, including your driving record.

This table shows you average annual rates based on driving records from Nationwide and other top companies for you to compare.

Average Annual Auto Insurance Rates Based on Driving History
Insurance CompaniesAverage Annual Rates with a Clean RecordAverage Annual Rates with One AccidentAverage Annual Rates with One Speeding ViolationAverage Annual Rates with One DUI
American Family$2,693.61$3,722.75$3,025.74$4,330.24
Liberty Mutual$4,774.30$6,204.78$5,701.26$7,613.48
State Farm$2,821.18$3,396.01$3,186.01$3,636.80
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Rivian’s electric vehicles with Drive+ aim to improve your driving record by helping you avoid accidents and stop poor driving habits.

More: TruStage Auto Insurance Review

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

What Rivian auto insurance discounts are available?

Since Rivian uses Nationwide and other companies as underwriters, drivers may be eligible for discounts from those companies.

This table shows you available Nationwide discounts that Rivian customers should be eligible for as well as discounts from other top companies. The amount of the discount is listed if it is known.

Auto 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
Claim Free2610152312
Continuous CoverageN/AN/AN/A15N/A
Daytime Running Lights155N/A
Defensive Driver105105103
Distant StudentN/A107
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
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
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
Lane Departure WarningN/AN/AN/AN/AN/AN/AN/A
Life InsuranceN/AN/AN/AN/AN/AN/AN/AN/A
Low Mileage30
Membership / GroupN/AN/AN/Ax107N/AN/AxN/A
Military GaragingN/AN/AN/AN/AN/AN/AN/AN/AN/A15
Multiple Policies1029102010121713
Multiple Vehicles25102010208
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
Occasional OperatorN/AN/AN/AN/AN/AN/AN/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 / Auto BillingN/A$30$233
Paperless DocumentsN/AN/A5$50N/AN/AN/A
Passive Restraint4020x40
Recent RetireesN/AN/AN/AN/A4N/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
Young DriverN/AN/AN/AN/AN/AN/AN/A$75
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More: What do I need to know about State Farm auto insurance?

Even if auto insurance rates are higher with another company, discounts may lower the rates significantly.

Rivian also offers drivers a discount for using the Driver+ function. The more a driver uses the automation feature, the higher the discount.

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How do you cancel Rivian auto insurance?

Since Rivian auto insurance is through Nationwide and other underwriters, you will have to follow the cancellation policy with that specific company.

More: USAA SafePilot Review (2022) | Usage-Based Auto Insurance

However, there are certain steps that you will need to follow no matter which company you are insured with.

Common steps to canceling your auto insurance policy are:

  • Learn when your current policy expires. You may be charged a cancelation fee depending on which insurance company underwriters your policy. Waiting until your policy expires will help you avoid those fees.
  • Shop around for new coverage. Every company will weigh your personal factors differently and offer different rates.
  • Get your new coverage started. Pick your new company and new coverage. Decide when you want your policy to go into effect.
  • Cancel your Rivian auto insurance. Set your cancelation date for a couple of days after your new policy goes into effect to avoid a lapse in coverage.
  • Follow up with your old auto insurance company to make sure your policy has been canceled and to see if you are due a refund.

Every auto insurance company will have its own cancellation process in place, so be sure to get all of the details before you begin shopping for new coverage.

How do you file an auto insurance claim with Rivian?

Just like canceling your coverage, each underwriter will have its own claims process.

You may be able to begin the claims process online or through an app. However, make sure you have all of the information you need to file your claim, such as a police report and pictures of the damage.

Rivian offers in-house repairs as a way to ensure your vehicle is repaired correctly and quickly.

What are the Rivian auto insurance ratings?

Because Rivian is so new, it does not have A.M. Best or Better Business Bureau (BBB) ratings. However, we can look at Nationwide ratings to see how Rivian auto insurance underwriters stack up.

A.M. Best ranks companies based on financial stability. Nationwide received an A+ showing a superior ability to meet financial obligations.

The BBB ranks companies based on customer interaction. Nationwide received an A+ rating and is accredited.

While these rankings don’t reflect how Rivian will perform, they can offer drivers peace of mind that their auto insurance needs will be met.

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Rivian Auto Insurance: The Bottom Line

Rivian plans to offer auto insurance for drivers who purchase its electric vehicles. Although the company doesn’t actually offer its own insurance, it does work with underwriters like Nationwide to provide coverage.

Before you buy Rivian auto insurance, shop around to make sure you are getting the lowest rates out there. Comparison shopping can help you find the coverage you need with the lowest rates possible.

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

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