BEAR RIVER INSURANCE UTAH: Auto & Home Insurance Reviews

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Bear River Mutual is known as one of the best auto insurance companies in Utah and the United States. It has been ranked among Ward’s Top 50 Property and Casualty Insurance Companies for the past five years. Bear River Mutual is most known for its auto insurance, but they also offer excellent home, personal umbrella, renters, and dwelling fire plans to our customers. We have developed this article to help you with all you need to know about bear river insurance Utah.

Bear river insurance

Bear River Insurance Company is Utah’s oldest mutual property and liability insurance company. The company was founded in 1909 and was named after the Bear River, where it first provided affordable insurance to the rural town of Garland. Through a network of independent brokers, the organization now offers a variety of insurance products in Utah.

Bear River’s independent agents wrote approximately $179 million in premiums in 2018. Bear River Insurance is a mutual firm, which means that its policyholders own it completely, and good company performance translates to cheaper prices. Also, bear River Mutual is dedicated to providing exceptional customer service in addition to low premiums.

Bear River car insurance

Car insurance from Bear River Mutual is fairly ordinary. Minimum and full coverage insurance, as well as a few endorsements for further protection, are available from the company. If your vehicle is damaged as a result of a covered claim, you can use the Bear Care Direct Repair Program (DRP) to choose a reputable auto body shop and receive guaranteed service.

Types of Coverage

Here are the policies available through Bear Mutual auto insurance:

#1. Full coverage

Collision, comprehensive, liability, medical costs, and uninsured/underinsured motorist coverage are all included in full coverage insurance.

#2. Personal injury protection

According to Utah’s no-fault insurance law, personal injury protection (PIP) is necessary. PIP pays for a driver’s medical bills and lost wages following an accident, regardless of who was at fault.

#3. Gap insurance

Gap insurance is for cars that have been financed or leased. Similarly, gap insurance compensates the difference between the car’s lowered value and the outstanding loan balance if it is to take.

#4. Roadside assistance

Towing, extrication, battery repair, gasoline delivery, and other services are covered by roadside assistance.

#5. Rental car reimbursement

Rental car reimbursement will pay for a rental car if your vehicle needs repairs following a covered claim.


Bear River Mutual offers the following car insurance discounts:

#1. Claims-free discount

Drivers who have no prior insurance claims on their record can save money on their insurance policy.

#2. Multi-policy discount

Customers who bundle a home and auto insurance policy can qualify for a multi-policy discount.

How does no-fault insurance work after a car accident in Utah?

The state of Utah is a no-fault state. This implies that, up to a certain maximum, your own policy’s Personal Injury Protection (PIP) can assist pay for certain medical-related expenditures following a car accident. Bodily injury liability coverage is essential since an at-fault driver can still be accountable for medical bills.

When you purchase your Bear River auto-insurance policy, you can tailor your PIP coverage (for example, to include lost wage protection).

Property damage is not covered by no-fault insurance. In fact, property damage liability coverage by the at-fault driver may be to cover the costs of other people’s car repairs or replacements.

Bear River home insurance

Bear River homeowners insurance covers both primary and secondary residences. Additionally, bear River’s home insurance, on the other hand, is relatively basic in terms of coverage, with limited customizing possibilities. The Bear Care Home Repair Program, an in-house repair network that enables policyholders to access guaranteed thus service from recommended contractors, is one of the most unique components of Bear River’s home insurance.

Types of Coverage

Bear River Mutual sells the following home insurance coverages:

#1. Standard coverage

Dwelling, personal property, liability, medical expenses, and loss of use coverage are all included hence, in standard house insurance policies.

#2. Earthquake insurance

As an endorsement, earthquake insurance can be to your house insurance policy. Therefore the deductible is 10% of the dwelling or personal property coverage of the residence, whichever is larger.


Bear River Insurance does not advertise any discounts for its home insurance policies online. However, there may be unadvertised discounts available, such as:

#1. Multi-policy discount

Homeowners who bundle two or more policies with Bear River Mutual can qualify for a discount.

#2. Claims-free discount

Homeowners who have no insurance claims on their record within the last several years often get a cheaper rate.

#3. Home safety equipment discount

Homes that have security systems, fire alarms, and fire extinguishers usually have lower premiums.

#4. Gated community discounts

That are located in gated communities have a lower risk of theft, and they often qualify for a cheaper rate.

Reasons why Bear River is a good option

For Utah residents, Bear River Mutual Insurance is a good alternative. Policyholders may be able to acquire lower rates from a mutual business than they would from a national provider because of the mutual company structure. Small insurance businesses, such as Bear River Mutual, also provide superior customer service than large insurers.

Bear River’s auto and house insurance coverage, on the other hand, is severely limited. Because there are only a few endorsements and discounts available, this company is not suitable for customers who wish to tailor their policy to their specific needs. Customers must contact an agent to acquire a quote and make changes to their policy because Bear River insurance plans are through independent agencies.

Bear river insurance Utah

In 1981, Ron Thurman founded Key City Insurance, a tiny neighborhood insurance agency in the desert town of Victorville, California. In addition, over time, the business grew, and in 2003, he and his son, Brent Thurman, opened a modest satellite office in Provo, Utah, which became known as Keystone Insurance Services.

Brent and his employees continue to serve the insurance needs of clients throughout Utah, Idaho, and Arizona while representing some of the most important and sought-after insurance companies, like Bear River Mutual Insurance, thanks to his father’s example and teachings. We’ve intentionally partnered with the greatest insurance providers in a variety of industries so that we can provide you with the best possibilities.

Because Keystone Insurance Services has such a large range of insurance carriers, finding the ideal fit for each customer’s specific needs is simple and that’s exactly how it should be. The staff at Keystone Insurance is happy to be in the distinct community and culture that can only be found in Utah.

Bear river insurance quote

Looking for a quotation to get a better idea of how much vehicle insurance costs? Consequently, we are confident in our ability to work with Bear River Mutual to provide the best auto insurance quotes for our customers at Keystone Insurance Services. They’ve been in Utah for more than a century and know exactly what drivers in our state require.

However, many vehicle insurance agents operate for a single insurance company and can only work with a limited policies. Even though Bear River Mutual is usually the best pick for vehicle insurance in Utah, we’ll evaluate pricing and plans from more than a dozen insurance companies to ensure you get the best possible deal. When you’re ready to buy, you can use our service to compare policies from some of the best insurance companies in the country and make decisions. You’ve come to the right site if you’re seeking the “best auto insurance provider near me.”

Bear river insurance agents

John Henry Smith Insurance is an authorized agent for Bear River Mutual Insurance Agency. John Henry Smith Insurance is to provide the following Bear River Mutual Policies:

  • Auto Insurance
  • Home Insurance
  • Condo Insurance
  • Renters Insurance
  • Dwelling Insurance
  • Umbrella Insurance

With locations throughout the state of Utah, John Henry Smith Insurance is one of the premier local insurance brokers in Salt Lake City and in the state of Utah. Since 1954, John Henry Smith Insurance has provided clients with premier insurance at better-than-competitive prices. You might be looking for Auto Insurance, Homeowner’s Insurance, Condominium Insurance, Renter’s Insurance, Dwelling Insurance, and Umbrella Insurance from Bear River Mutual; you will not find a better insurance broker than John Henry Smith.

Is Bear River Mutual Only in Utah?

Bear River Mutual is distinguished from other insurance businesses by this particular aspect of the business. Because Bear River Mutual only sells insurance in the state of Utah, our policyholders interact with locals on a one-to-one basis, which ensures the best possible level of individualized and personalized service.

Does Bear River Mutual Cover Towing?

Towing, unlocking doors, and even delivering petrol are all things that Bear River Mutual roadside assistance can aid with. This is supplemental insurance that can be obtained by speaking with your independent Bear River Mutual representative.

What is Bear River Famous for?

The Bear River is the longest river in North America that does not empty into an ocean; its headwaters are located in the Uintah mountains of Utah, and its mouth is located in the Great Salt Lake. The Bear River’s meandering path covers approximately 500 miles. The Bear River, on the other hand, is the primary supplier of fresh water to the Great Salt Lake.


Is Bear River Mutual good?

Bear River Mutual’s reviews are mixed. The BBB gives Bear River Mutual a B- rating, and the company has an average rating of 1.11 out of 5 stars based on 11 customer reviews. However, Bear River has excellent financial strength, with an A- rating from AM Best.

Who owns Bear River?

Bear River Rancheria owns and operates Bear River Casino Resort, Pump & Play, Bear River Tobacco Traders, Bear River Recreation Center, Bear River Family Entertainment Center, Tish Non-Housing and North & South Basayo Village (Fortuna, CA).

What is a comprehensive insurance?

Comprehensive insurance is coverage that helps pay to replace or repair your vehicle if it’s stolen or damaged in an incident that’s not a collision. Comprehensive, sometimes called “other than collision” coverage, typically covers damage from fire, vandalism or falling objects (like a tree or hail).

Does comprehensive claim raise rates?

A comprehensive claim will generally increase your auto insurance costs. However, you can save money by becoming a safer driver or choosing an insurance company that doesn’t increase premiums for drivers with previous comprehensive claims.

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