Ziplocal Analytics

Stay Safe with Auto Insurance

Utah’s Insurance Company Since 1909

Bear River Mutual has been helping our friends and neighbors here in Utah with their insurance needs for over 100 years. Our employees and agents are your neighbors, friends and family, and we are proud to be able to call Utah home.

Because we are a mutual company we have no investors or shareholders seeking company profits. Our policyholders are our owners, and we pass those savings on to them in the form of lower rates. In addition, our qualification standards are more rigorous than most other insurance companies. This keeps our own costs low, which again translates into lower rates and better, more dedicated service to our customers.

Our commitment to Utah, and the values that we share here, has helped us to build a strong company with generations of loyal customers.

Auto Insurance

Not all Utah drivers are the same. Merge onto I-15 and you’ll quickly see our point. At Bear River Mutual, our tough auto insurance qualification standards allow us to consistently offer some of the lowest rates around. And contrary to what you may have heard, Bear River Mutual policyholders are covered wherever they go in the United States and Canada – not just in Utah.

So buckle up, put that mobile phone away and enjoy your drive. While you’re out, stop in and talk to an independent agent about Bear River Mutual insurance. Your agent is an expert who can help determine the right auto coverage for you.

Coverage

Liability:

Liability coverage is meant to protect you financially if an accident causes injury or damage to other people or property. Should you be sued, required to pay medical bills for others, or obligated to pay for repairs to property damaged by your accident, liability coverage will help cover those costs. https://www.bearrivermutual.com/wp-content/uploads/2013/10/clear-space1.png
Every state, including Utah, requires a certain minimum liability coverage level, but sometimes it can be tricky to know what the right level is for you. Lower coverage can mean lower premiums, but provides less protection in the case of a serious accident. Higher coverage will provide you much greater financial protection but may not fit within your budget. Your Bear River Mutual agent can work closely with you to look at all of your coverage and help you find the right balance of cost and protection.

Physical Damage:

Will you be able to repair or replace your vehicle should you have a mishap? Bear River offers Comprehensive and Collision coverage to cover your vehicle should it be damaged in an accident. If this occurs, we can pay for accident-related repairs or even pay for the value of the vehicle should damages be that high.https://www.bearrivermutual.com/wp-content/uploads/2013/10/clear-space1.png
For example, Collision Coverage protects you from accidental damages caused by a collision—regardless of who is at fault. Comprehensive Coverage helps repair damages caused by fire, theft, vandalism, hail, flooding and more. Your local agent can help you understand physical-damage criteria and recommend appropriate coverage levels.

Uninsured/Underinsured Motorist:

Not everyone on the road is as responsible as you. Make sure you’re protected by having UM/UIM coverage on your policy. Adding this option provides coverage for injuries that were caused by a driver who was not insured or inadequately insured.

Personal Injury Protection:

Sometimes people get hurt in an accident. Personal injury protection coverage will help ensure that you have coverage for medical bills, lost wages, or loss of services. If needed, this coverage also provides for funeral expenses and survivor benefits.

24/7 Roadside Assistance:

You won’t find yourself stranded when you have this option on your policy. Bear River Mutual can help with towing, lockout or even gas delivery.

Rental Car Reimbursement:

Make sure you don’t take a financial hit when you get in a fender-bender. Your vehicle might need to be towed after an accident, or maybe you just need some help getting around while your vehicle is in the shop. With this coverage, Bear River Mutual can help pay for a rental vehicle to keep you mobile after an accident.

Locate an Agent, Get a Quote

Looking for a quote on a home or auto policy? An authorized Bear River Mutual independent agent can provide all the information you need. Finding the insurance that is right for you can sometimes be challenging. Having someone who can help you navigate through all the different choices, definitions and options can be invaluable.

Only the best can represent The Bear. We work exclusively with a select number of independent agents throughout the state of Utah. These agents do not work for Bear River Mutual, which gives them the freedom to be a trusted and independent voice to help answer your questions and guide you through the decision-making process. Although these agents are not employed by us, they are carefully selected by our company to represent us in the market. We don’t insure everyone, and we don’t allow just anyone to sell Bear River Mutual insurance.

List of Bear River Insurance Agents

A Insurance Agency
6061 S 1900 W
Roy, Utah

A Insurance Agency
1867 W 1700 S
Syracuse, Utah

A Insurance Agency
461 N Main Street
Kaysville, Utah

A Jackson Insurance Services
997 E 3900 S
Salt Lake City, Utah

A Jackson Insurance Services
2332 W. 12600 S. Suite E
Riverton, Utah

AA Action Insurance
1411 N State #5
Orem, Utah

AA Action Insurance
2940 W Maple Loop Dr, Ste 303C
Lehi, Utah

Ability Insurance Agency
7625 South 3200 West Suite #1
West Jordan, Utah

Advance Insurance
12401 South 450 East A2
Draper, Utah

Advance Insurance
175 N Main #202
Heber City, Utah

Advance Insurance
248 South State Street
Orem, Utah

Advance Insurance
1412 W State Road #155
Pleasant Grove, Utah

Advance Insurance
363 N University Ave #103
Provo, Utah

Advance Insurance
1086 W South Jordan Parkway
South Jordan, Utah

Advance Insurance
2602 N Washington Blvd, Ste 200
North Ogden, Utah

Advance Insurance
267 E Main St.
American Fork, Utah

Agent Links
8813 Redwood Rd. Suite C
West Jordan, UT

Alan D. Smith
440 S 90 W
Richmond, Utah

ASA Insurance
2200 S State Street
Salt Lake City, Utah

Axis Insurance Agency
1194 W So. Jordan Pkwy Suite D
South Jordan, Utah

B&B Insurance
5069 W 13400 S #300
Riverton, Utah

Banasky Insurance Inc
891 W. Baxter Dr.
South Jordan, UT

Banasky Insurance Inc
6 West Main St
Price, UT

Big Mountain Insurance Group
925 East Executive Park Dr. Suite D
Salt Lake City, UT

Blackburn Jones Co.
905 24th St
Ogden, UT

Blackburn Jones Co.
695 South Main Street, Suite 4
Brigham City, UT

Bright Insurance Agency
10118 S REDWOOD RD STE B
South Jordan, UT

Bryan Insurance Agency
7 S Main St. Suite #105
Tooele, UT

BTC Insurance Services
5675 South Redwood Road #11-B
Taylorsville, UT

Cache Valley Insurance, Inc.
94 South Main Suite A
Logan, UT

Caliber Select Insurance
1434 E 820 N
Orem, Utah

Christensen Insurance Group
765 East 9000 South #A2
Sandy, UT

CN Insurance
5330 South 900 East #180
Salt Lake City, UT

Cottonwood Insurance Agency
2028 East 7000 South #200
Salt Lake City, UT

Cox Insurance Agency, Inc.
920 E State Rd Suite E
American Fork, UT

Curry Insurance
183 East Main St
Grantsville, UT

Cutler Insurance Center
12300 South 900 East
Draper, Utah

Cutler Insurance Center
471 W Telegraph St
Washington, UT

Dangerfield Insurance Agency
151 E 5600 S #212
Murray, UT

Day Leavitt Insurance Agency, Inc.
58 West Main Street
Delta, UT

Deseret Insurance
390 South Main Street
Bountiful, UT

Direct Insurance Services
6796 S 1300 E
Salt Lake City, Utah

Direct Insurance Services
619 S Bluff St, Suite 203
St. George, UT

Eastern Utah Insurance
53 North 300 West
Vernal, UT

Fidelity Fire & Casualty Agency
1393 Boxwood Circle
Logan, UT

Foundations Insurance
76 North 100 East, Suite A10
American Fork, UT

Four Seasons Insurance Agency
740 East 9000 South Suite B
Sandy, UT

Four Seasons Insurance Agency
3269 West 5400 South Suite A
Taylorsville, UT

Garner D. Jensen Insurance Agency
750 East 9000 South Suite B
Sandy, UT

Garner Insurance Concepts
506 South Main Street Suite 300
Bountiful, UT

GMI Insurance Agency
1355 North University Avenue Suite 140
Provo, UT

Granger Hunter Insurance Agency, Inc.
3696 EL Glen
West Valley City, UT

Granite Insurance LLC
5330 South 9th East #130
Salt Lake City, UT

Heiners Insurance Center
377 No. Main Street
Layton, UT

Heiners Insurance Center
606 Washington Blvd PO Box 12638
Ogden, UT

Highland Insurance
6375 S. Highland Drive #306
Salt Lake City, UT

IMSC (Noorda Agency)
865 E 4800 S #140
Murray, UT

Insur-West, Inc.
380 South 200 West
Farmington, UT

Insure Pro
12894 S Pony Express Way Ste 200
Draper, Utah

Jensens Insurance Agency Corp.
9860 South 700 East #8
Sandy, UT

John Henry Smith Insurance Inc.
563 West 2600 South
Bountiful, UT

John Henry Smith Insurance Inc.
4885 South 900 East Ste 203
Salt Lake City, UT

Joseph Hansen Insurance Agency
376 East Sunland Drive #2
St. George, UT

JRI Insurance
278 East Crossroads Blvd
Saratoga Springs, UT

JRI Insurance
1233 South Sage Drive
Cedar City, UT

JRI Insurance
2739 South 5600 W, Ste 160
West Valley City, Utah

JRI Insurance
768 E 100 N
Payson, Utah

Key City Insurance Inc.
965 E 700 S, Ste 205
St. George, UT

Key City Insurance Inc.
3540 South 4000 West Ste 220
West Valley City, UT

Keystone Insurance Services
1774 North University Pkwy Ste 70
Provo, UT

L.A. Bowen Insurance Agency, Inc
1345 West 1600 North
Orem, UT

Leatham Insurance Agency
74 East 600 South
Wellsville, UT

Leavitt Group Insurance Advisors, Inc.
560 S 300 E, Ste 150
Salt Lake City, UT

Leavitt Group of Northern Utah
216 East Main Street
Tremonton, UT

Leavitt Group of Northern Utah
550 North Main Ste 110
Logan, UT

Leavitt Insurance & Central Bond Services
199 North Main St
Spanish Fork, UT

Leavitt Insurance & Central Bond Services
6268 S 900 E, STE 250
Murray, UT

Leavitt Insurance & Central Bond Services
27 W. Main St.
Santaquin, UT

Leavitt Insurance Agency of Central Utah
96 South Main Ste 6
Ephraim, UT

Lender Insurance
382 West Center
Orem, UT

Lewis Insurance Agency
684 East Union Square
Sandy, UT

Lincoln Insurance Group
9543 S 700 E Suite 200
Sandy, UT

Logan Insurance Agency
1652 South Highway 165 Ste A
Providence, UT

Main Street Insurance Agency
20 N. Main St. #203
St. George, Utah

Main Street Insurance Agency
225 E Main St
Grantsville, UT

Monson Insurance
635 West 5300 South Ste 201
Murray, UT

Mountain America Insurance
95 W Harding Ave, STE B
Cedar City, Utah

MultiServe Insurance Agency
1987 N 550 W
Provo, UT

Naylor Insurance Agency
8494 South 700 East Ste 100
Sandy, UT

Neal Dastrup Insurance
1840 North State Street
Provo, UT

Neal Dastrup Insurance
825 East 800 North
Orem, UT

Neal Dastrup Insurance
922 South State St
Pleasant Grove, UT

Neal Dastrup Insurance
1324 E Center St
Spanish Fork, UT

Neal Dastrup Insurance
4844 N 300 W Ste, 100
Provo, UT

Nebo-Leavitt Insurance Agency
48 North Main Street
Nephi, UT

Price Insurance Agency
76 West Main Street
Price, UT

Price Insurance Agency
1958 East Terra Vista Way
Sandy, UT

Pugmire Insurance Agency
922 East 3900 South
Salt Lake City, UT

Pugmire Insurance Agency
2972 W Maple Loop Dr, STE 301N
Lehi, UT

Rob Jackson Insurance Agency
348 W Main Street
American Fork, Utah

Rob Jackson Insurance Agency
9380 S Redwood Rd
West Jordan, Utah

Rob Jackson Insurance Agency
4656 W Daybreak Rim Way
South Jordan, UT

Rob Jackson Insurance Agency
1353 N 1075 W #206
Farmington, UT

Sorensen Insurance Agency
1965 East 3300 South
Salt Lake City, UT

Sorensen Insurance Agency
123 South Main Ste 8
Heber, UT

Sorensen Insurance Agency
1211 Cow Alley
Oakley, UT

Sprouse Insurance Agency
855 East 200 North 112-4
Roosevelt, UT

Sprouse Insurance Agency
32 East Main
Duchesne, UT

Sprouse Insurance Agency
1315 West Highway 40 Ste B
Vernal, UT

Stanger Insurance
3919 Riverdale Road
Ogden, UT

Stanger Insurance
930 South State
Clearfield, UT

Summit Insurance Brokerage
7430 South Creek Road Ste 300
Sandy, UT

Taylor and Walker Insurance Group
1992 West Antelope Dr Ste 110
Layton, UT

Tebbs Brothers Insurance Group
2014 East 6200 South
Salt Lake City, UT

The Insurance Center
3020 Washington Blvd
Ogden, Utah

The Insurance Center
506 E. Main St
Midway, Utah

The Pinnacle Agency
5005 South 900 East Suite 150
Salt Lake City, UT

The Pinnacle Agency
9133 Monroe Plaza Way, Ste C
Sandy, UT

The Smith Insurance Group
710 New England Drive
Sandy, UT

The Smith Insurance Group
70 West 500 South
Provo, Utah

Troy J Jensen Insurance Agency
9860 South 700 East Ste 8
Sandy, UT

Valley Insurance Brokers
525 W. State St. #5
Hurricane, Utah

Wayne Peart Insurance Agencies
2633 North 400 East St
North Ogden, UT

Wayne Peart Insurance Agencies
880 West Heritage Park Blvd Ste 230
Layton, UT

Yardley Insurance
609 North Main
Panguitch, UT

About Bear River Mutual

Bear River Mutual Insurance Company is Utah’s oldest mutual property and casualty insurance company. The company was organized July 1, 1909 in the Northern Utah farming community of Garland along the banks of the Bear River. Formed shortly after Garland was founded, the company was formed to help local farmers obtain insurance at more affordable rates than Utah’s other companies offered.

The founders of the company realized that if they pooled their resources among a select group of insured, with similar values and characteristics, they could not only lessen the financial uncertainties that can come from a property or casualty loss, but also lessen the cost of that protection.

Where Values Count

At Bear River Mutual, values have always guided the way we conduct ourselves and our business. These values of integrity, honesty, hard work and service to community are the same values and pioneering spirit that helped settle the American West. Over our first century in business, times may have changed, but our dedication to these values has always served as the cornerstone of our company. Our slogan, “Where Values Count,” is a reflection of our past, present and future. It’s what distinguishes Bear River Mutual from other insurance companies.

Since Bear River Mutual only offers insurance in Utah, our policyholders work with local people on a one-to-one basis. This ensures the highest-quality personalized service available. Personal auto, homeowners, fire and umbrella insurance claims are always processed in a fair and responsive manner.

Claim Center

At Bear River Mutual, we pride ourselves in serving you—especially in your time of need. A Bear River Mutual Representative is standing by around the clock to help you file your claim and move forward with any necessary repairs. For faster resolution, please be prepared to provide the following information:

  • Insured’s Name
  • Address of Insured
  • Policy Number
  • Date of Damage or Injury

24 Hour Claims Reporting Service

Roadside Assistance
(801) 267-5000 option 2
(800) 925-5177 option 2

Auto Claims (except glass and roadside)
(801) 267-5000 option 3
(800) 925-5177 option 3

Property Claims (Home, Renters, etc.)
(801) 267-5000 option 3
(800) 925-5177 option 3

Auto Glass Claims
(801) 267-5000 option 4
(800) 925-5177 option 4

Service Center

Welcome to our online Service Center. Whether you want to pay a premium, file a claim, or locate a provider, this site is designed to help you accomplish your task quickly and efficiently. Of course, you’re always welcome to call us if you prefer to speak with a local Bear River Mutual representative or contact us directly

You can now view and download your policy, billing & ID Card documents and manage your E-Delivery preferences online! Register Now and Sign in. https://customer.bearrivermutual.com/#/login
There are many things your Bear River Mutual AGENT can do for you. You can contact them directly for:

  • Making changes or additions to your policy or your contact information
  • Answering questions about your coverage
  • Making a payment on your policy
  • Getting a quote for changes or additions to your policy
  • Starting the process to file a claim

If you are looking to get a price quote for a NEW policy, you can locate an agent or agency and they can provide a quote for you and answer most all of your questions about Bear River Mutual coverage.

Google Rating
4.9