Rivian Insurance Review & Complaints

Rivian car insurance sells insurance policies specifically for Rivian vehicles, new to the market in late 2021. Rivian car insurance quotes are currently underwritten by Nationwide and The Cincinnati Insurance Company. Rivian car insurance rates are not available, but costs for similar electric vehicles average $225 per month or $2,700 annually.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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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 insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Dec 14, 2021

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The Highlights

  • Rivian Insurance sells policies in 48 states, specifically for Rivian vehicles
  • While Rivian car insurance rates are not known, rates for similar luxury vehicles typically average $225 per month
  • Rivian Insurance Services also offers homeowners, renters, and umbrella insurance

Rivian, a new electric car start-up initially founded in 2009, created Rivian car insurance to insure Rivian vehicles.

Rivian sells just two vehicles, an electric truck called the R1T and a sport utility vehicle (SUV) called the R1S. The R1S will be delivered to customers for the first time in late 2021 and early 2022.

Now offered in 48 states with plans to expand further, Rivian car insurance quotes are not publically available. However, rates for similar electric vehicles average $225 per month or $2,700 annually.

In this Rivian car insurance review, you’ll learn how to compare car insurance and discover more about Rivian car insurance. We’ll also cover details about how to file a claim, what discounts you can earn, financial ratings, and customer reviews.

After reading about affordable Rivian car insurance, start comparing quotes from the top companies near you for free by entering your ZIP code into our rate tool above.

What is Rivian car insurance?

Rivian Insurance Services LLC is a licensed agency that is part of the Rivian Automotive group. It was created to provide affordable car insurance policies specifically to Rivian drivers.

Of course, right now, there aren’t many Rivian drivers on the roads.

The company will deliver its first round of vehicles to customers at the end of 2021 or early 2022.

If you buy a Rivian vehicle, you can apply for Rivian Insurance, currently available in 48 states.

To buy Rivian car insurance, you must call the company directly and speak with an insurance advisor.

These electric vehicles use state-of-the-art technology intended for off-roading purposes. Rivian insurance is made for the needs of this type of car.

Rivian car insurance quotes are not available, but the company claims drivers can save up to 15% at renewal using the Highway Assist feature.

While details are unknown, it looks like this program uses telematics to calculate your discount.

On its website, the company states it works with the leading insurance providers. In 2021, it partnered with Nationwide Car Insurance Company.

However, the following third-party insurance companies may also underwrite the products:

  • Any affiliated Nationwide Mutual Insurance Company brand
  • The Cincinnati Insurance Company
  • The Cincinnati Indemnity Company
  • The Cincinnati Casualty Company
  • The Cincinnati Specialty Underwriters Insurance Company

Remember, to request a quote from Rivian Insurance, do not use the Nationwide website.

How do you get a Rivian Insurance quote?

To get a quote, you must either call Rivian Insurance directly or email the company.

Insurance advisors are available from 7 a.m. to 7 p.m. central time from Monday through Friday.

When you call to request a quote, a representative works with you to build coverage specifically designed for your Rivian vehicle and how you use it.

Rivian is a brand that appreciates staying up to date with the latest technology, so there will likely be a mobile app available to customers.

Plus, there is access to a customer portal on the company website.

In the states where it’s available, you can get at least your minimum legal insurance limits from Rivian. You can also buy optional add-ons for your policy.

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How much does Rivian car insurance cost?

At this time, Rivian car insurance rates are not  available. That’s likely because the company is so new.

Car insurance costs for similar electric vehicles, like the Tesla Model 1, average around $225 per month or $2,700 annually.

You can also speak with Rivian insurance advisors to discuss how different vehicle safety features lower your rates, like the automatic braking technology.

How do I file a Rivian car insurance claim?

Filing a car insurance claim through Rivian is similar to other major car insurance companies.

To file a Rivian car insurance claim, access your mobile app, use the online customer portal, or call an advisor directly.

However, advisors are unavailable after 7 p.m. central time.

Take photos of the accident if you can to help with your claims process. The company also says it will apply what it learns to your vehicle repairs to ensure safety.

Rivian Insurance promises that a trained professional will repair the car using parts that meet Rivian’s high standards at the most affordable cost.

Nationwide is one of the primary underwriters for Rivian Insurance. Fortunately, many Nationwide customers rank the claims process highly.

What discounts does Rivian offer?

Rivian claims to offer stackable car insurance discounts to drivers on the company website, leading to substantial savings.

For example, bundling your home and car policy through Rivian Insurance can earn you up to a 20% rate reduction.

You can also earn up to 15% at the time of your policy renewal by using the Highway Assist feature. It adjusts your automatic steering, braking, and acceleration on select highways while in use.

While specific details about how to earn that 15% reduction are not currently on the company website, it appears it may be in the form of a telematics program.

Telematics programs gather data about your driving habits, including acceleration levels, hard braking events, time of day, and the total number of miles driven.

However, multiple subsidiaries technically underwrite Rivian Insurance, and each offers different savings and discount options. Plus, availability varies by state.

So it’s likely that Rivian Insurance will also offer many of the discounts currently available through Nationwide to its respective customers.

Those may include membership or group discounts, loyalty discounts, car safety discounts, anti-theft discounts, good student discounts, and more.

For more detailed information, speak to a Rivian Insurance representative.

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What are the Rivian Insurance ratings and reviews?

Rivian vehicles will start appearing on public roads later in 2021 and early 2022.

Unfortunately, that means there are no current customer reviews or financial ratings for Rivian Insurance.

However, the company is currently in strong financial standing and has supposedly raised over $11 billion.

Nationwide is one of the companies that will technically underwrite Rivian Insurance policies.

According to the Nationwide website, the company received the following financial rankings:

  • A.M. Best: A+
  • Moody’s: A1
  • Standard & Poor’s: A+

According to the National Association of Insurance Commissioners (NAIC), Nationwide has a complaint index of 2.23, which implies the provider receives more complaints than average.

But, fortunately, most online customer reviews lean neutral to positive for this company, and some clients even rank the claims process highly.

It’s common for insurance companies to receive a lot of negative reviews online, so keep this in mind when researching customer experiences.

What is the history of Rivian?

Founded in 2009 by CEO Robert Scaringe, Rivian is currently an independent company privately owned by shareholders headquartered in Irvine, California.

Scaringe’s original goal was to do for trucks what Tesla did for luxury vehicles.

However, the company remained intentionally unknown and out of the public eye until around 2019.

Meanwhile, without selling a single pick-up truck, Scaringe raised over $1.7 billion for Rivian.

The funding continued to increase thanks to investments from large companies, including Amazon and Ford Motor.

In 2017, Rivian acquired a former Mitsubishi manufacturing plant in Normal, Illinois, and started producing alpha prototypes by the end of the year.

However, the first rollout of vehicles for the public will be delivered to customers by the end of 2021.

High insurance rates are a problem with electric vehicles. To help customers get affordable insurance, the company created Rivian Insurance Services.

In April 2021, Rivian Insurance partnered with Nationwide; the company now underwrites some Rivian policies.

Rivian policies also cover Rivian accessories and off-roading.

What vehicles does Rivian sell?

Rivian sells two models of fully electric vehicles intended for off-roading. There is a truck and an SUV.

Often compared to Tesla, Rivian’s business model focuses on eco-friendly choices and sustainability with an adventurous spirit.

For example, the battery packs in Rivian vehicles are built to be easily removable and are either recycled or used in second-life applications.

The car interiors are made with animal-free materials intended to be recycled when the vehicle is retired.

Plus, Rivian Driver+, an advanced hands-free driving assistance program, comes standard on every model manufactured by this company.

Drive+ provides you with 11 cameras, five radars, 12 ultrasonic sensors, and a 360-degree field of vision.

With it engaged, it adjusts your speed, steering and even changes lanes for you.

The table below compares different details between the truck model, called the R1T, and the SUV model called the R1S.

Rivian Vehicle Details by Model
Vehicle DetailsR1TR1S
Starting price$64,000$70,000
Miles per battery charge314 miles316 miles
Recommended wheel size21 inch21 inch
Towing capacity11,000 lbs7,700 lbs
Wading depth3 feet3 feet
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The truck and SUV use a powertrain quad motor that reaches 60 miles per hour in three seconds.

But when it comes to Rivian vehicles, wheel size matters. Both car models see a 10% to 15% range reduction with 20-inch wheels and a 5% to 10% reduction with 22-inch wheels.

The company also plans to release two more R1Ts, one that exceeds 400 miles on a charge and another that reaches 250 miles.

Plus, another R1S model with a capacity to drive 250 miles per charge is planned.

Three equipment packages are available on the company website: the Launch Edition, the Adventure Package, and the Explore Package.

Launch Edition reservations, a special variation of the Adventure Package, are currently full.

But deliveries for the Adventure and Explore Package models start in January of 2022.

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What other insurance coverage does Rivian offer?

On the company website, Rivian lists home, boat, camper, and other vehicle policies alongside car insurance policies.

The website says that leading insurance providers write these policies and that discount amounts, availability, and offerings vary by state and the company.

Nationwide or The Cincinnati Insurance Company underwrite most Rivian insurance policies.

You can also insure other vehicles besides Rivian cars on your policy, but you must own and cover at least one Rivian model.

Rivian Car Insurance: The Bottom Line

Rivian is still considered a new electric car start-up that is only just delivering vehicles to customers.

Not much is known about how the customer experience will be using Rivian Insurance.

Promising a similar business model to Tesla, Rivian aims to offer convenient car insurance to customers through its relationship with insurance companies.

The goal is to maintain a streamlined customer experience and cheaper rates.

While the car manufacturer recently partnered with Nationwide, it also uses other subsidiaries for its insurance policies.

While everything currently looks good on paper, ultimately, only time will tell how the public will receive this new insurance model and car manufacturer.

Hopefully, we’ve told you everything you need to know about Rivian car insurance. Make an informed choice when you compare quotes from top companies entering your ZIP code into our free quote comparison tool below.

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