Rivian Auto Insurance Review [2022]

While Rivian auto insurance is offered to drivers who buy the company’s electric vehicles, rates depend on how often the built-in telematics system Driver+ is used. Driver+ helps drivers avoid accidents and can steer, brake, and change lanes automatically. The more drivers use Driver+, the lower the Rivian car insurance rates. Rivian uses underwriters such as Nationwide, but drivers aren’t locked into getting Rivian coverage.

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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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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Jan 10, 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
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Rivian is an electric vehicle maker that has decided to offer auto insurance to its buyers. While Rivian auto insurance is new to the scene, it uses some of the best auto insurance companies as its underwriters.

Rivian offers lower auto insurance rates to drivers who take advantage of its Driver+ technology, which helps avoid accidents. The more Driver+ is used, the lower the rates.

Drivers don’t have to buy Rivian auto insurance and should shop around before deciding on an insurance company. We’ll help you decide if it’s right for you with details on rates, coverage, and discounts below.

Keep reading our Rivian auto insurance review to learn more. Before you begin, enter your ZIP code to compare free auto insurance quotes from companies in your area.

What is Rivian auto insurance?

Although Rivian has been around since 2009, it has just begun delivering its electric vehicles. It’s also decided to add auto insurance to the mix. In fact, you can get a Rivian auto insurance quote when you buy your vehicle online.

While there is actually not a Rivian auto insurance company, Rivian uses top insurers like Nationwide to underwrite its policies.

Rivian auto insurance rates are determined using built-in telematics. Drivers can use Driver+ to automatically steer, brake, and change lanes.

Rivian claims that drivers who use Driver+ will be safer, and it offers discounted rates to those who use the system frequently. More usage equals lower rates.

According to the National Highway Traffic Safety Administration, there are several degrees of automated driving, each with its own set of benefits and concerns.

Each state establishes 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.

Rivian car insurance will first be available in 48 states, with hopes to add more states quickly.

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What are Rivian auto insurance rates?

Although Rivian auto insurance rates aren’t available, we can compare rates from some of the top companies to give you an idea of what to expect.

There are many factors that can affect your auto insurance rates, but the most significant is your driving record. Your driving history shows insurers how risky you are to cover.

This table shows average annual rates from top insurance companies, including Nationwide.

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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Drivers with accidents, tickets, and DUIs will see much higher auto insurance rates than drivers with a clean driving record.

Can telematics help you save money on auto insurance? Yes, Rivian offers lower auto insurance rates with the use of Driver+ because the system is designed to help you avoid accidents.

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

Using these safety features with Driver+ will lower your auto insurance rates:

  • Automatic steering
  • Automatic braking and accelerating
  • Adaptive cruise control
  • Assistance in lane changing and centering
  • Trailer maneuvering assistance

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

What auto insurance discounts are available with Rivian?

Auto insurance discounts can make a huge difference in rates. Since Rivian uses top insurers as its underwriters, drivers may be able to get discounts from those companies.

This table lists discounts from top car insurance companies such as Nationwide. The amount of the discount is listed if it is available.

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/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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Rivian itself doesn’t offer discounts, and it offers lower rates for using the Driver+ feature.

How do you cancel Rivian auto insurance?

Because Rivian doesn’t actually offer coverage and uses underwriters, each company will have its own cancelation process. You will need to find out if your specific insurer will allow you to cancel and if they charge a fee to do so.

However, there are some basic steps you can follow to make your cancellation process as easy as possible.

Steps to canceling auto insurance include:

  • Find out when your policy expires and if you will be charged a fee for canceling early. It may be cheaper and easier to switch at the end of your policy.
  • Shop for new auto insurance. Every company will offer different rates, so compare multiple companies to find your best deal.
  • Finalize your new coverage. Be sure to set your new policy to begin before your old policy ends.
  • Let your old auto insurance company know you are leaving. You will need your policy number and the date you want your policy to end.

If you allow your old policy to end before your new coverage is in place, you can face fines and a driver’s license suspension for a lapse of coverage.

How do you file an auto insurance claim with Rivian?

Each underwriter will have its own claims process, as with canceling your coverage. You will need to contact your specific underwriter to learn its claims 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.

Rivian also provides in-house repairs to ensure that your vehicle is restored properly and quickly. The company boasts that the Driver+ system may allow diagnosis and repairs to be made remotely.

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What are the Rivian auto insurance ratings?

Rivian does not have A.M. Best or Better Business Bureau (BBB) ratings because the company is so new. However, we can look at Rivian auto insurance underwriters like Nationwide to see how they rate.

Companies are ranked by A.M. Best based on their financial stability. Nationwide was given an A+, indicating that the company has a superior ability to pay financial obligations.

Companies are ranked by the BBB depending on how well they connect with their customers. Nationwide has been accredited and achieved an A+ rating.

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

Rivian Auto Insurance: The Bottom Line

Rivian is an electric vehicle manufacturer that also offers insurance to its buyers through underwriters. Although you can’t get Rivian car insurance directly from the company, top companies like Nationwide offer specialized coverage.

Rivian rates depend on many factors, mainly how much drivers use the Driver+ telematics system built into the vehicles. The more you use the system, the lower your rates.

Whether or not you can get affordable Rivian auto insurance depends on how willing you are to let the Driver+ technology steer, brake, and change lanes while you drive.

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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