Rivian
R1S Insurance Cost 2026
QuinStreet and MoneyGeek both publish a same-basis average for the Rivian R1S, but they are 1.52 times apart ($4,584 and $3,008 a year), so there is no single figure. Here is what every publisher reports, and on what basis.
What publishers report for the Rivian R1S
National, full-coverage Rivian R1S averages from insurer-data publishers, one per publisher, cheapest first. They use different drivers, deductibles and statistics, so they are not interchangeable.
| Publisher | Annual | Statistic | Driver | Liability | Deductible | Updated |
|---|---|---|---|---|---|---|
| MoneyGeek same basis | $3,008 | average | 40 | 100/300/100 | $500 | August 24, 2026 |
| Insurance.com same basis | $4,584 | average | 40 (male) | 100/300/100 | $500 | September 8, 2026 |
How your state changes the price
In CarInsurance.com's state table (a benchmark sedan, not an EV; updated July 21, 2026), average full-coverage premiums run from 36% below the national average in Vermont to 55% above it in Louisiana. We don't turn those into Rivian R1S dollar amounts without a published range to scale. The full 50-state table is on the EV insurance hub.
Cheapest states (benchmark sedan)
Most expensive states
More EV insurance pages
Other models' insurance pages, including a same-brand sibling where there is one:
Head-to-head comparisons
Cross-shopping? These put the Rivian R1S side by side with a rival on range, price and specs:
Estimate your own Rivian R1S premium
There's no single published figure for the Rivian R1S to start from, so our estimator uses the national EV average ($3,281, MoneyGeek, same basis) and says so. Treat the result as a rough guide, then compare real quotes.
Use the estimator →Frequently asked questions
How much does Rivian R1S insurance cost?
There is no single figure. On the same basis (40-year-old driver, 100/300/100 liability, $500 deductibles), QuinStreet's Insurance.com reports $4,584 a year and MoneyGeek $3,008, which is 1.52 times apart, so we don't show a headline figure.
How much is Rivian R1S insurance in my state?
In CarInsurance.com's state table (a benchmark sedan, not an EV; updated July 21, 2026), average full-coverage premiums run from 36% below the national average in Vermont to 55% above it in Louisiana. We don't turn those into Rivian R1S dollar figures, because there is no agreed average to scale.
Why don't you show one number for the Rivian R1S?
We only headline a figure when two publishers measure the same thing (40-year-old driver, 100/300/100 liability, $500 deductibles) and agree within 1.5 times. For this car they measure the same thing but disagree by more than that. Publishers that use other deductibles, driver ages or medians aren't comparable, so we list them with their basis instead of averaging them.
How can I lower my Rivian R1S insurance?
Compare quotes from several insurers first: published averages for the same car differ between publishers, and individual insurers differ more. Then ask about a home-and-auto bundle and any EV discount, price a higher deductible you could actually pay after a claim, and ask whether a telematics program would lower your rate.