Rivian R1T Dual-Motor cost to own in Massachusetts — the true 5-year total
The Rivian R1T Dual-Motor starts at $69,900. As of July 1, 2026, over 5 years, owning one (EV) costs about $83,475 in Massachusetts — $1,391/month, $1.39/mile — including depreciation, charging (with the ~12% AC charging loss most calculators ignore), maintenance, insurance, financing and fees. That's $30,602 more than a comparable Ford F-150 XLT (gas) over the same 5 years. Massachusetts's electricity (29.4¢/kWh) is 56% above the U.S. average, and gas runs $3.94/gal here — both fed straight into the numbers above. The federal $7,500 EV credit expired Sept 30, 2025 and is not applied.
Massachusetts EV incentive: MOR-EV Standard rebate (new EV) — up to $3,500 (income / price caps may apply). Shown for reference; not included in the total above. Source: Mass.gov MOR-EV program
Rivian R1T Dual-Motor · Massachusetts · 5-year estimate$83,475 total · $1,391/mo · $1.39/mi
Where the money goes
| Cost component | Electric · Rivian R1T Dual-Motor | Gas · Ford F-150 XLT |
|---|---|---|
| Depreciation (estimated) | $40,542 (49%) | $16,800 (32%) |
| Charging / fuel | $12,791 (15%) | $10,748 (20%) |
| ↳ of which charging loss | 12% (~$1,535) | — |
| Maintenance | $3,660 (4%) | $6,840 (13%) |
| Insurance | $13,750 (16%) | $11,000 (21%) |
| Financing interest | $12,582 (15%) | $7,335 (14%) |
| Registration & fees | $150 (0%) | $150 (0%) |
| Total cost of ownership | $83,475 | $52,873 |
The charging-loss row is the ~10–15% of electricity lost to AC charging that you pay for but never reaches the battery — we include it; most calculators don't.
Rivian R1T Dual-Motor specs & assumptions
- Starting MSRP
- $69,900manufacturer base
- Powertrain
- Electric
- Efficiency
- 49 kWh/100miEPA
- Range
- 270 miEPA
- Massachusetts electricity
- 29.4¢/kWhEIA
- Annual miles (assumed)
- 12,000adjustable in tool
Compare the Rivian R1T Dual-Motor against any car, your miles & your state
What else moves your Rivian R1T Dual-Motor cost
The 5-year total already folds in depreciation, charging, insurance, maintenance and financing. Here's how the biggest levers work — and the ones that sit outside the total.
- Financing. Borrow the full $69,900 at a typical 7.2% new-car APR over 60 months and interest alone adds about $13,543. Lower the APR or add a down payment in the calculator and the total drops — financing is in the 5-year figure above.
- Insurance. This model averages about $2,750/yr to insure — roughly $550/yr more than a comparable gas car ($2,200/yr), as EV parts and repairs tend to cost more — our own estimate, calibrated to Insurify/Bankrate 2026, and already in the total above.
- Home charger. A Level 2 home charger is a one-time $500–$2,000 installed (depends on your panel and wiring) — not in the total above, but it pays back fast versus public fast-charging.
- Tires. EVs are heavier and make instant torque, so tires can wear ~20% faster — a real running cost most comparisons skip. We fold a higher maintenance rate for EVs into the total.
- Where you charge. Public DC fast-charging can cost 2–3× your home rate. The total assumes 80% home charging; if you can't charge at home, lower that share in the calculator to see the real cost.
Rivian R1T Dual-Motor battery — replacement cost & lifespan
Most EVs never need a battery replacement inside the 8-year / 175,000-mile warranty, so this is not in the 5-year total above — but it's the cost buyers worry about most, so here it is transparently.
- Out-of-warranty replacement
- $15,000–$25,000estimate
- Battery warranty
- 8 yr / 175,000 mimanufacturer
- Typical lifespan
- ~16 yrindustry est.
Cost to charge the Rivian R1T Dual-Motor at home
A full charge of the Rivian R1T Dual-Motor costs about $45, and it runs about $16.40 per 100 mi at home — versus about $13.14 for a typical 30 mpg gas car. Home charging only (the ~12% AC charging loss is included); public DC fast-charging is billed per session by each network — often 2–3× the home rate — and isn't in these figures.
- Full charge (135 kWh usable)
- $45pack ÷ (1 − 12% loss) × $0.29/kWh
- Per 100 mi at home
- $16.4049 kWh/100mi + 12% charging loss × $0.29/kWh
- A typical 30 mpg gas car
- $13.14/100miat $3.94/gal — for comparison
Recalls & reliability record — R1T
Official U.S. National Highway Traffic Safety Administration (NHTSA) safety record for the R1T, MY 2022–2026. Figures cover all powertrains and trims sold under the R1T nameplate for the model years shown. A recall means a free remedy is available at no cost. Source: NHTSA (nhtsa.gov), data as of .
Recalls (16)
- Seat Belts
Rivian will inspect and tighten the bolts as necessary, free of charge.
- Suspension
Rivian will replace the rear toe link bolts, free of charge.
- Electrical System
Rivian has released an over-the-air (OTA) software update, free of charge.
- Electrical System
Rivian will inspect and repair the HVDB ground strap joint or replace the high voltage battery pack as necessary, free of charge.
- Exterior Lighting
Rivian will inspect and replace the front turn signals as necessary, free of charge.
- Seat Belts
Rivian will inspect and properly secure the seat belt anchorage assemblies as necessary, free of charge.
- Equipment
Rivian will mail owners a corrected overlay tire placard label, free of charge.
- Air Bags
Rivian will replace the pillar trim panels, free of charge.
Full recall history: every R1T campaign → — all 16 campaigns, grouped by year.
Consumer complaints
NHTSA has 118 consumer complaints on file for the R1T (MY 2022–2026). The most-reported areas: Air Bags, Suspension, Forward Collision Avoidance. Complaints are unverified reports submitted by consumers to NHTSA.
Rivian R1T Dual-Motor head-to-head comparisons
The 5-year cost gap against the cars buyers cross-shop:
← Rivian R1T Dual-Motor cost (U.S. average)