Rivian Auto Insurance Review (2022)

Rivian auto insurance is only offered by underwriters like Nationwide on its electric vehicles. While drivers can get low Rivian car insurance rates, they depend on how much the automated Driver+ system is used. Driver+ can steer, brake, and change lanes safely which lowers the chances of an accident. Rivian owners don’t have to get insurance through the company, but rates may be lower due to the telematics used in Driver+.

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Jan 4, 2022

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Rivian auto insurance is only available to drivers who purchase one of the company’s electric vehicles. While drivers don’t have to get auto insurance through Rivian, they may find it cheaper.

Rivian’s vehicles come equipped with an automated driving system called Driver+. How much a driver depends on this system will determine if they find affordable Rivian auto insurance.

Since rates vary, it’s smart to shop around for car insurance. Compare rates, discounts, and ratings to find the best company for you.

Keep reading our Rivian auto insurance review to learn more. Enter your ZIP code before you begin to compare quotes from nearby auto insurance companies for free.

What is Rivian auto insurance?

Rivian, an electric vehicle maker, is expanding its services to include auto insurance offered in 48 states to drivers who buy its vehicles.

Although a Rivian auto insurance company does not exist, the company does use top insurance companies to underwrite the coverage, such as Nationwide.

Rivian auto insurance rates will be determined using built-in telematics plus the usual factors looked at.

Drivers can use Drive+ to automatically steer, brake, and change lanes. Rivian reports that Driver+ uses 11 cameras, five radars, and 12 ultrasonic sensors.

Rivian claims that drivers who use Drive+ will be safer, and it offers lower rates to those who use the system frequently. The more Driver+ is used the lower your rates will be.

While the National Highway Traffic Safety Administration reports there are five levels of automated driving, each state makes its own rules for the forms of automated driving that are allowed, as well as who is liable in the event of an accident. This is when auto insurance becomes complicated.

What are Rivian auto insurance rates?

While drivers aren’t locked into using Rivian, they can get Rivian auto insurance quotes online when they order their vehicle.

We can’t get specific Rivian car insurance rates since they depend on the use of the Driver+ system. However, RIvian does use some of the top companies as underwriters, and we can look at average rates.

It’s important to know how insurance companies calculate your car insurance rates. There are specific factors used, such as your age, driving history, and where you live, that have a big impact on your rates.

The most significant factor used is your driving history. This is doubly important with Rivian since the Driver+ system is designed to help you avoid accidents.

To get an idea of average rates, take a look at this table that shows averages from some of the top insurance companies out there.

Average Annual Auto 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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Driver+ helps you avoid accidents and keep a clean driving record. Rivian encourages drivers to use their automated system by giving lower rates the more you use it.

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

What auto insurance discounts are available with Rivian?

Auto insurance discounts can drastically lower your rates. Most companies offer a multitude of discounts based on you as the driver, the type of policy you have, and even the safety features of your car.

While Rivian doesn’t offer discounts, drivers may be able to take advantage of the discounts offered by the underwriter.

To give you an idea, check out this table of common auto insurance discounts offered by top companies.

Auto Insurance Discounts from Top Companies
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/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
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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As you can see, some discounts are significant and can determine which company is cheaper for you.

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How do you cancel Rivian auto insurance?

Because Rivian auto insurance is provided by Nationwide and other insurers, you must follow their cancellation policies.

However, regardless of whatever company you are insured with, there are some steps you can take to make the process easier.

Steps to canceling auto insurance include:

  • Find out when your current insurance policy is up for renewal. Depending on which insurer underwrites your policy, you may be charged a cancellation fee. You can avoid these charges by waiting until your coverage expires.
  • Shop around for new insurance options. Every company will evaluate your personal characteristics differently and provide you with varied rates.
  • Begin the process of obtaining new coverage. Choose a new company and new insurance coverage. Pick the date on which your policy will take effect.
  • Cancel your Rivian auto insurance. To avoid a gap in coverage, schedule your cancellation for a few days after your new insurance begins.
  • Check with your old auto insurance provider to make sure your policy has ended, and see if a refund is owed.

Since each auto insurance company will have its own cancellation process, you will need to contact the company to learn all of the specifics.

How do you file an auto insurance claim with Rivian?

Each underwriter will have its own claims process, just like canceling your coverage. You will need to contact your specific company to learn the process.

You might be able to start the claims process by going online or using an app. Make sure you have all of the information you’ll need to file your claim, including a police record and photos of the damage.

Since the vehicles are so advanced, Rivian provides in-house repairs to ensure that your vehicle is repaired properly and efficiently.

What are the Rivian auto insurance ratings?

Since the Rivian car insurance company doesn’t exist, we can’t get ratings for it. However, we can look at the ratings of one of the underwriters to get an idea of who Rivian partners with.

When rated on financial strength by A.M. Best, Nationwide earned an A+ which shows a superior ability to meet financial commitments.

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

While these aren’t Rivian ratings, it does reflect that the company chooses to do business with companies that are stable and offer good interaction.

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Rivian Auto Insurance: The Bottom Line

Rivian auto insurance is only available on the company’s electric vehicles and is offered by several underwriters like Nationwide.

Rivian depends on its automated Driver+ system to help drivers avoid accidents and get lower auto insurance rates.

Because drivers aren’t locked into coverage, they should shop around before buying Rivian auto insurance. Other companies may offer the same coverage with cheaper rates.

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

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