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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Written by
Rachel Bodine |
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Reviewed by
Daniel Walker
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UPDATED: Jun 29, 2022
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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.
Table of Contents
What are Rivian auto insurance rates?
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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.
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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.
| Insurance Companies | Average Annual Rates with a Clean Record | Average Annual Rates with One Accident | Average Annual Rates with One Speeding Violation | Average Annual Rates with One DUI |
|---|---|---|---|---|
| Allstate | $3,819.90 | $4,987.68 | $4,483.51 | $6,260.73 |
| American Family | $2,693.61 | $3,722.75 | $3,025.74 | $4,330.24 |
| Farmers | $3,460.60 | $4,518.73 | $4,079.01 | $4,718.75 |
| GEICO | $2,145.96 | $3,192.77 | $2,645.43 | $4,875.87 |
| Liberty Mutual | $4,774.30 | $6,204.78 | $5,701.26 | $7,613.48 |
| Nationwide | $2,746.18 | $3,396.95 | $3,113.68 | $4,543.20 |
| Progressive | $3,393.09 | $4,777.04 | $4,002.28 | $3,969.65 |
| State Farm | $2,821.18 | $3,396.01 | $3,186.01 | $3,636.80 |
| Travelers | $3,447.69 | $4,289.74 | $4,260.80 | $5,741.40 |
| USAA | $1,933.68 | $2,516.24 | $2,193.25 | $3,506.03 |
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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.
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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 | Allstate (%) | American Family (%) | Farmers (%) | GEICO (%) | Liberty Mutual (%) | Nationwide (%) | Progressive (%) | State Farm (%) | Travelers (%) | USAA (%) |
|---|---|---|---|---|---|---|---|---|---|---|
| Adaptive Cruise Control | N/A | N/A | N/A | N/A | 5 | ✗ | ✗ | N/A | N/A | N/A |
| Adaptive Headlights | N/A | N/A | ✗ | N/A | 5 | ✗ | ✗ | N/A | N/A | N/A |
| Anti-lock Brakes | ✗ | ✗ | ✗ | 5 | 5 | 5 | ✗ | 5 | ✗ | ✗ |
| Anti-Theft | ✗ | ✗ | ✗ | 25 | 20 | 25 | ✗ | 15 | ✗ | ✗ |
| Claim Free | ✗ | ✗ | ✗ | 26 | ✗ | 10 | ✗ | 15 | 23 | 12 |
| Continuous Coverage | ✗ | ✗ | ✗ | ✗ | N/A | N/A | ✗ | N/A | 15 | N/A |
| Daytime Running Lights | ✗ | ✗ | ✗ | 1 | 5 | 5 | ✗ | N/A | ✗ | ✗ |
| Defensive Driver | ✗ | ✗ | ✗ | ✗ | 10 | 5 | 10 | 5 | 10 | 3 |
| Distant Student | ✗ | ✗ | ✗ | ✗ | N/A | 10 | ✗ | ✗ | 7 | ✗ |
| Driver's Ed | ✗ | ✗ | ✗ | ✗ | 10 | N/A | 10 | 15 | 8 | 3 |
| Driving Device / App | ✗ | ✗ | N/A | ✗ | 30 | 40 | 20 | 50 | 30 | 5 |
| Early Signing | ✗ | ✗ | ✗ | ✗ | N/A | 8 | ✗ | N/A | 10 | 12 |
| Electronic Stability Control | ✗ | ✗ | ✗ | N/A | 5 | ✗ | ✗ | N/A | N/A | N/A |
| Emergency Deployment | N/A | N/A | N/A | 25 | N/A | N/A | N/A | N/A | N/A | N/A |
| Family Legacy | N/A | ✗ | N/A | ✗ | N/A | N/A | ✗ | N/A | N/A | 10 |
| Family Plan | N/A | ✗ | ✗ | N/A | N/A | 25 | N/A | N/A | N/A | N/A |
| Farm Vehicle | ✗ | N/A | ✗ | ✗ | N/A | N/A | N/A | N/A | N/A | N/A |
| Federal Employee | N/A | N/A | ✗ | 8 | 10 | N/A | N/A | N/A | N/A | N/A |
| Forward Collision Warning | N/A | N/A | N/A | N/A | 5 | ✗ | ✗ | N/A | N/A | N/A |
| Full Payment | N/A | ✗ | ✗ | ✗ | $5 | N/A | ✗ | N/A | 7.5 | N/A |
| Further Education | N/A | N/A | N/A | ✗ | 10 | 15 | N/A | N/A | ✗ | N/A |
| Garaging / Storing | N/A | N/A | ✗ | N/A | N/A | N/A | N/A | N/A | ✗ | 90 |
| Good Credit | ✗ | ✗ | N/A | N/A | N/A | ✗ | ✗ | ✗ | N/A | N/A |
| Good Student | ✗ | ✗ | ✗ | 15 | 22.5 | 10 | ✗ | 25 | 8 | 3 |
| Green Vehicle | ✗ | N/A | 5 | N/A | 10 | N/A | N/A | N/A | 10 | N/A |
| Homeowner | N/A | N/A | x | x | ✗ | 5 | ✗ | 3 | 5 | N/A |
| Lane Departure Warning | N/A | N/A | N/A | N/A | ✗ | ✗ | ✗ | N/A | N/A | N/A |
| Life Insurance | ✗ | N/A | N/A | N/A | N/A | ✗ | N/A | N/A | N/A | N/A |
| Low Mileage | ✗ | ✗ | ✗ | ✗ | ✗ | ✗ | ✗ | 30 | ✗ | ✗ |
| Loyalty | N/A | ✗ | N/A | ✗ | N/A | 5 | ✗ | N/A | N/A | ✗ |
| Married | N/A | N/A | N/A | N/A | ✗ | ✗ | ✗ | ✗ | N/A | ✗ |
| Membership / Group | N/A | N/A | N/A | x | 10 | 7 | N/A | N/A | x | N/A |
| Military | ✗ | N/A | ✗ | 15 | 4 | N/A | N/A | ✗ | N/A | ✗ |
| Military Garaging | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 15 |
| Multiple Policies | 10 | 29 | ✗ | 10 | 20 | 10 | 12 | 17 | 13 | ✗ |
| Multiple Vehicles | ✗ | ✗ | ✗ | 25 | 10 | 20 | 10 | 20 | 8 | ✗ |
| New Address | N/A | N/A | N/A | N/A | 5 | N/A | N/A | N/A | N/A | N/A |
| New Customer / New Plan | N/A | N/A | N/A | N/A | ✗ | N/A | N/A | N/A | N/A | N/A |
| New Graduate | N/A | N/A | N/A | N/A | 5 | N/A | N/A | N/A | N/A | N/A |
| Newer Vehicle | ✗ | N/A | ✗ | ✗ | N/A | ✗ | ✗ | 40 | 10 | 12 |
| Newly Licensed | N/A | N/A | N/A | N/A | 5 | N/A | N/A | N/A | N/A | N/A |
| Newlyweds | N/A | N/A | N/A | N/A | 5 | N/A | N/A | N/A | N/A | N/A |
| Occasional Operator | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ✗ |
| Occupation | ✗ | N/A | ✗ | ✗ | 10 | 15 | N/A | N/A | ✗ | N/A |
| On-Time Payments | ✗ | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 15 | N/A |
| Online Shopper | N/A | N/A | N/A | N/A | N/A | N/A | 7 | N/A | N/A | N/A |
| Paperless / Auto Billing | ✗ | ✗ | ✗ | N/A | ✗ | $30 | ✗ | $2 | 3 | 3 |
| Paperless Documents | ✗ | ✗ | ✗ | N/A | N/A | 5 | $50 | N/A | N/A | N/A |
| Passive Restraint | ✗ | ✗ | ✗ | 40 | ✗ | 20 | x | 40 | ✗ | ✗ |
| Recent Retirees | N/A | N/A | N/A | N/A | 4 | N/A | N/A | N/A | N/A | N/A |
| Safe Driver | N/A | N/A | ✗ | 15 | N/A | 35 | 31 | 15 | 23 | 12 |
| Seat Belt Use | N/A | N/A | N/A | 15 | N/A | N/A | N/A | N/A | N/A | N/A |
| Senior Driver | ✗ | N/A | ✗ | N/A | N/A | N/A | N/A | N/A | N/A | ✗ |
| Stable Residence | N/A | N/A | N/A | N/A | N/A | ✗ | ✗ | N/A | N/A | N/A |
| Students & Alumni | N/A | ✗ | N/A | ✗ | 10 | 7 | N/A | N/A | N/A | N/A |
| Switching Provider | N/A | ✗ | ✗ | N/A | 10 | N/A | ✗ | N/A | N/A | N/A |
| Utility Vehicle | ✗ | N/A | ✗ | ✗ | N/A | N/A | N/A | N/A | N/A | N/A |
| Vehicle Recovery | ✗ | ✗ | ✗ | 15 | 35 | 25 | ✗ | 5 | ✗ | ✗ |
| VIN Etching | N/A | N/A | ✗ | N/A | 5 | ✗ | ✗ | N/A | ✗ | ✗ |
| Volunteer | N/A | ✗ | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Young Driver | N/A | N/A | N/A | N/A | ✗ | N/A | ✗ | N/A | N/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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