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Rivian Quebec Car Insurance 2026: R1T, R1S, EDV Compared

Do you drive a Rivian in Quebec? Whether it’s an R1T electric pickup, an R1S 7-passenger SUV or an EDV (Electric Delivery Van) utility vehicle, Assur360 — an AMF-certified firm and a member of the Insurance Chamber — compares more than 9 insurers to find the best price for your vehicle. Rivians are among the most expensive vehicles to insure in Quebec ($2,500 to $4,800/year) due to the scarcity of parts and the few certified body shops. Our free 3-minute comparison can save up to $900 per year on the same coverage.

Man changing engine oil under the hood of a car.

IN BRIEF

Rivian Car Insurance (R1T, R1S)

Rivian R1T (electric pickup truck) and R1S (SUV) have high premiums ($2,200-3,800/year) — very high battery repair costs and autonomous sensors.

EV specificities: CSA-compliant domestic charging station requirement, specific battery coverage, and Rivian certified workshop (still rare in Quebec — Montreal only).

RIVIAN AUTO INSURANCE 2026

Compare 9+ insurers for your Rivian in 3 minutes

R1T, R1S, EDV, Adventure and Launch Edition — we find the best price for your electric Rivian, no matter your record.

Compare 30+ free quotes
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Why insure your Rivian with Assur360?

Rivian, the U.S. manufacturer of premium electric vehicles, recently arrived in Canada. The R1T and R1S offer a range of 400-660 km and impressive off-road capabilities, but their high replacement cost ($80,000 to $130,000), the scarcity of parts and the very limited number of Rivian certified body shops in Quebec drive up the insurance premium. Comparing 9+ insurers is a must—some companies refuse outright, others rate appropriately.

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Premium EV Specialists

Our insurance brokers know Rivian specifics: battery cost, Rivian Adventure Network charging network, parts to order from Normal, IL.

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Rare Certified Body Shops

Very few Rivian certified body shops in Quebec. We direct your file to insurers that cover shipping to a certified center.

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Amazon EDV Fleet

For EDV (Electric Delivery Van) fleets used in commercial delivery, commercial fleet insurance tailored.

Popular Rivian Models to Insure in Quebec

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Rivian R1T

Premium electric pickup with 4 motors. Average premium $2,500 – $4,200/year. Towing capacity 5,000 kg, payload 800 kg.

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Rivian R1S

Electric 7-passenger SUV. Premium $2,700 – $4,500/year. Top-of-the-range version with a range of up to 660 km.

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Rivian EDV

Electric delivery van (Amazon). Commercial premium $3,500 – $6,000/year. Fleet and commercial use.

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R1T Adventure

Exploration version of the R1T. Premium $2,700 – $4,400/year. Off-road capabilities, front trunk (frunk), optional tonneau tent.

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R1S Launch Edition

Limited Launch Edition R1S. Premium $2,900 – $4,800/year. High value, unique pieces, adjusted premium.

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R1T/R1S Max Pack

Long range battery (660 km R1S). Premium $3,000 – $4,800/year. Battery cost replacement $30,000+.

How to get your Rivian auto quote in 3 steps

1

Fill out the online form

Year, model, mileage, postal code, driving record. 3 minutes flat.

2

Our brokers compare 9+ insurers

Belairdirect, Intact, Economical, La Capitale, Promutuel, SSQ, Wawanesa and more.

3

Receive your best offers by email

Talk to a broker, ask your questions, choose the winning bid.

4

Subscription and delivery of the certificate

Electronic signature, immediate online certificate — no travel.

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Install a GPS tracker as soon as it is delivered

The Rivian R1T and R1S are among the new vehicles most at risk of theft according to the Équité Association. An approved GPS tracker can reduce your theft deductible by 50% with many insurers and is sometimes required to obtain comprehensive coverage. Budget: $400 to $1,200 installed.

Average Rivian Insurance Rates in Quebec 2026

Rivian ModelAge 25-45 (good record)Age 20-24Back with dots
2023 Rivian R1T$2,500 – $3,800$3,500 – $5,200$3,900 – $5,900
2024 Rivian R1T$2,700 – $4,100$3,700 – $5,500$4,100 – $6,200
2023 Rivian R1S$2,700 – $4,200$3,800 – $5,700$4,300 – $6,400
2024 Rivian R1S$2,900 – $4,500$4,100 – $6,000$4,600 – $6,800
Rivian R1S Launch Edition$4,100 – $4,800$4,400 – $6,300$4,900 – $7,100
Rivian EDV (Commercial)$3,500 – $5,200$4,500 – $6,800(Commercial)

*Indicative rates for 2026. Get your exact price in 3 minutes.

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Rivian Certified Collision Repair Shops — Limited Availability in Quebec

Rivian currently has only a few certified repair centers in Canada, primarily in Ontario and British Columbia. In the event of an accident in Quebec, your vehicle may have to be shipped out of province. Make sure your policy includes long-distance towing and extended replacement vehicle (30+ days). Assur360 verifies these clauses for each Rivian quote.

How to save on your Rivian insurance

Discounts applicable to Rivians: electric vehicle discount (5-12% with many insurers), multi-product car + home, approved GPS tracker, closed garage parking, low mileage. Also take advantage of the provincial Roulez Vert program — for Rivians above the $65,000 threshold, the rebate is limited to $4,000 (compared to $7,000 for more affordable EVs). The federal iZEV credit does not apply to Rivians (above the price threshold). For commercial EDVs, explore iVMGZE.

Recommended Coverages for Your Rivian

For a Rivian, we recommend a minimum of $2 million in liability (consider $3-5 million if you have high assets), comprehensive protection (B1) including theft and vandalism, replacement cost for any R1T/R1S less than 3 years old, replacement by equivalent vehicle (30 days minimum), long-distance towing (500 km+), high-voltage battery coverage and residential charging station protection. A $1,000 theft deductible is common — with a GPS tracker, you can negotiate $500.

Rivian insurance available anywhere in Quebec

Assur360 insures Rivian owners in Montreal, Quebec City, Laval, Sherbrooke, Gatineau, Trois-Rivières, Saguenay, Thetford Mines, Drummondville, Saint-Jérôme and everywhere else in Quebec. No matter where you’re in, our 9+ partner insurers offer comprehensive coverage for your Rivian.

Related articles

Frequently Asked Questions — Rivian Car Insurance

How much does insurance for a Rivian R1T or R1S cost in Quebec in 2026?
Between $2,500 and $4,800 per year for a driver aged 25-45 with a good record. The 2024 R1T is around $2,700 to $4,100, the 2024 R1S around $2,900 to $4,500, and the Launch Edition or Max Pack versions can exceed $4,800. Young drivers or drivers with points pay up to 50% more. Get your exact price in 3 minutes with our instant quote online.
Why is Rivian insurance so high?
Five main reasons: 1) very high replacement value ($80,000 to $130,000); 2) expensive high-voltage battery ($25,000 to $40,000 to replace); 3) unique parts ordered from Normal, IL; 4) very few certified body shops in Canada, out-of-province shipping often required; 5) recent vehicle, little actuarial data. Many insurers outright refuse — Assur360 knows which ones accept and price correctly.
Is the R1T considered a pickup or an EV by insurers?
Both categories apply. The R1T is classified as a premium electric pickup. Some insurers assess it as a full-size pickup (Ford F-150 Lightning, GMC Hummer EV), others as a luxury SUV. The assessment varies from one insurer to another, hence the importance of comparing. The Adventure Pack and Max Pack versions modify the base rate.
Is my R1T eligible for the Roulez Vert program?
Yes, but with a reduced discount. Since the 2024 reform, EVs priced over $65,000 receive a maximum provincial discount of $4,000 (instead of $7,000). All new Rivian R1T and R1S exceed this threshold. The federal iVZE discount ($5,000) has not been available since late 2024. For commercial EDVs, the iVMGZE program may apply.
Do all insurers insure Rivians in Quebec?
No. Many traditional insurers refuse new or rare vehicles, or price them at a very high level. Assur360 works with insurers that accept premium EVs (Tesla, Rivian, Lucid, Polestar): Intact, Belairdirect, TD Meloche Monnex, Economical, and several specialists. We find the most competitive insurer for your case.
Can I insure my Rivian if I have a bad driving record?
Yes, but the options are more limited. Substandard insurers insure the Rivian, but the combination of “rare luxury vehicle + difficult record” significantly raises the premium (possibly $5,000+/year). Assur360 compares options and finds the best price/coverage ratio available.
Does the Rivian warranty cover battery damage?
The Rivian manufacturer’s warranty includes 8 years or 282,000 km on the high-voltage battery (whichever comes first), for defects. Accidental damage (collision, flooding, fire) is not covered by the warranty — it falls under your auto insurance. Ensure that your comprehensive policy explicitly covers the high-voltage battery (some policies exclude it or cap coverage).
What specific protections do you recommend for a Rivian?
Liability $2-5M, comprehensive (B1), replacement value 36 months, long-distance towing 500+ km, equivalent replacement vehicle 30+ days, coverage for residential charging station ($1,000 to $3,000), explicit high-voltage battery coverage, theft deductible $500 with GPS tracker. For commercial EDVs, add cargo liability and goods protection.
How long does it take to get a quote for a Rivian at Assur360?
Less than 3 minutes online for the basic quote. Our brokers will then call back the same day with detailed offers from insurers that accept the Rivian. For Launch Edition or commercial EDV versions, one or two additional calls may be necessary to validate specifics. Call directly at 1-866-357-4451 to save time.
Can I keep my Rivian Adventure Network installer/charger?
Yes. Membership in the Rivian Adventure Network (Rivian charger network) does not affect your auto insurance. However, your residential charger (Rivian Home Charger) must be covered either by your auto insurance (charger option) or by your home insurance. We check the best option during the quote.

Why trust Assur360?

✓AMF certified firm
✓ Member of the Insurance Chamber
✓100,000+ submissions processed
✓9+ insurers compared
✓Independent broker
✓100% Quebec service

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