A Comprehensive Guide to Bear River Car Insurance

When it comes to insurance, it can be overwhelming to choose the right option for you and your vehicle. With so many providers available, how do you know which one is the best for your needs? In this guide, we’ll take an in-depth look at Bear River car insurance and everything it has to offer.

A Comprehensive Guide to Bear River Car Insurance

What is Bear River Car Insurance?

Bear River Mutual Insurance Company was founded in 1909 and has been providing insurance coverage to Utahans ever since. The company prides itself on its exceptional customer service and commitment to policyholders.

Bear River car insurance offers a variety of coverage options including liability, collision, comprehensive, uninsured motorist, personal injury protection (PIP), and more. Their policies are designed to meet the needs of drivers in both rural and urban areas of Utah.

Coverage Options

Liability Coverage

Liability coverage is required by law in Utah. This coverage protects you if you are responsible for an accident that injures someone else or damages their property. Bear River car insurance offers both bodily injury liability and property damage liability.

Bodily injury liability covers medical expenses, lost wages, pain and suffering, and other related costs if you injure someone in an accident. Property damage liability covers the cost of repairs or replacement if you damage someone’s property with your vehicle.

Collision Coverage

Collision coverage pays for repairs or replacement if your vehicle is damaged in an accident with another vehicle or object such as a tree or guardrail. This coverage also includes reimbursement for towing expenses.

Comprehensive Coverage

Comprehensive coverage provides protection against damage caused by things other than accidents such as theft, vandalism, fire, natural disasters (e.g., hail storms), and animal collisions.

Uninsured Motorist Coverage

Uninsured motorist coverage protects you if you’re involved in an accident with someone who doesn’t have insurance or doesn’t have enough insurance to cover the damages.

Personal Injury Protection (PIP)

Personal injury protection covers medical expenses and lost wages for you and your passengers regardless of who’s at fault in an accident.


Bear River car insurance offers a variety of discounts to help lower your premium. Here are some of the most popular:

  • Good driver discount: If you’ve been driving for three or more years without any accidents or violations, you may qualify for this discount.
  • Safe driver discount: If you have completed an approved defensive driving course, you may be eligible for this discount.
  • Multi-car discount: If you insure more than one vehicle with Bear River car insurance, you can save up to 25% on your premium.
  • Homeowner discount: If you own a home in Utah, you may qualify for a homeowner discount on your car insurance policy.
  • Student discount: Full-time students with good grades may be eligible for a student discount.

How to Get a Quote

Getting a quote from Bear River car insurance is easy. You can call their toll-free number (1-800-785-6959) and speak with an agent or visit their website (https://bearrivermutual.com/) and use their online quote tool. To get an accurate quote, be sure to have the following information:

  • Your vehicle’s make, model, year, and VIN
  • Driver information including names, ages, and driving history
  • Desired coverage options

Once you have all of this information ready, Bear River car insurance will provide you with a personalized quote tailored to your needs.

Customer Service

One of the things that sets Bear River car insurance apart from other providers is their commitment to customer service. They have received an A+ rating from the Better Business Bureau and consistently receive positive reviews from policyholders.

Their claims process is easy to navigate with dedicated claims representatives available 24/7. They also offer a variety of payment options including online, by phone, or through the mail.


Bear River car insurance is a reliable and trustworthy provider for Utah drivers. With a variety of coverage options, discounts, and exceptional customer service, they make it easy to protect yourself and your vehicle on the road. If you’re looking for car insurance in Utah, consider Bear River car insurance for your needs.


What is Bear River car insurance?

Bear River car insurance is a Utah-based insurance company that offers auto insurance to drivers in several states.

Why should I consider Bear River for my car insurance needs?

You should consider Bear River for your car insurance needs because they offer affordable rates, excellent customer service, and comprehensive coverage options.

How do I get a quote for Bear River car insurance?

You can get a quote for Bear River car insurance by visiting their website and filling out an online form or by calling their toll-free number.

What types of coverage does Bear River offer?

Bear River offers liability coverage, collision coverage, comprehensive coverage, personal injury protection, and uninsured/underinsured motorist coverage.

Can I customize my policy with additional coverage options?

Yes, you can customize your policy with additional coverage options such as rental reimbursement and roadside assistance.

Is there a minimum age requirement to purchase Bear River car insurance?

No, there is no minimum age requirement to purchase Bear River car insurance. However, drivers under the age of 18 may need a parent or guardian to co-sign the policy.

Does Bear River offer discounts on premiums?

Yes, Bear River offers discounts on premiums for safe driving habits, multi-car policies, good grades (for younger drivers), and more.

How many states does Bear River currently operate in?

As of 2021, Bear River operates in six states including Utah, Colorado, Wyoming, Idaho, Oregon and Arizona.

Does Bear River have a mobile app for managing my policy?

Yes! The “BearCare” mobile app allows you to manage your policy details, view documents, pay your bill, and even file a claim all from your smartphone.

What sets Bear River apart from other car insurance companies?

Bear River is known for their exceptional customer service, fast claims processing times, and attention to detail. Plus, they only hire experienced insurance agents who can provide personalized support to their customers.

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