Bear River Insurance in Utah – Your Ultimate Guide

Bear River Mutual Insurance Company, known as Bear River Insurance in Utah, provides auto, home, and business insurance to the residents of Utah. The firm operates through a network of independent agents who are licensed professionals working with clients throughout the state. Established in 1909 and based in Murray, Utah, the company has grown into one of the largest mutual insurance companies in the country.

Bear River Insurance in Utah – Your Ultimate Guide

If you’re looking for comprehensive insurance coverage from a reputable provider that understands your needs, Bear River Insurance is an excellent option to consider. Here’s everything you need to know about the company and its services.

Why Choose Bear River Insurance?

Bear River Mutual’s mission has always been to provide affordable and reliable insurance products to their customers. The company prioritizes customer satisfaction and high-quality services that meet or exceed industry standards. Here are some reasons why you should choose Bear River Insurance:

Strong Financial Standing

Bear River Insurance is financially stable with assets worth $845 million as of year-end 2020 and a surplus of more than $220 million. It means that the company can pay out claims when disaster strikes without having to go bankrupt or compromise on quality.

Local Expertise

As a Utah-based insurer, Bear River’s agents have firsthand knowledge of what it takes to protect homes and businesses against natural disasters unique to this state such as earthquakes.

Competitive pricing

Bear River offers competitive rates for both personal and commercial insurance policies compared with other providers in Utah.

Tailored Policies

The company specializes in creating custom policies tailored explicitly for its clients’ needs, giving them peace of mind that they’re only paying for coverages they require.

Types of Coverage Offered by Bear River Mutual

Bear Mutual offers several types of coverage options aiming at meeting various client needs.

Auto Insurance

Auto insurance is mandatory for all drivers in Utah according to state law. With decades of experience in the industry, Bear River offers high-quality auto insurance products to its customers. The company’s auto policies come with liability, collision, comprehensive coverage, and add-ons such as roadside assistance.

Home Insurance

Whether you own or rent your home in Utah, Bear River has homeowners’ policies that protect against natural disasters such as floods, earthquakes and unforeseen accidents like fires or burglaries. They also provide personal liability coverage that protects customers from legal actions taken by third parties.

Business Insurance

Bear River’s business insurance policy provides commercial insurance options tailored to meet the needs of small businesses operating in Utah. Coverage can range from property damage and liability protection to professional indemnity and workers’ compensation.

Discounts Offered by Bear River Insurance

Bear River Mutual provides various discounts to its customers. Below are some options available for those looking for a little extra savings on their premiums:

Multiple Policy Discount

If you bundle your auto and home insurance with Bear River, you will receive a discount on your premium rates.

Good Driver Discount

Good drivers who maintain a clean driving record get rewarded by receiving discounted rates on their auto insurance policies.

Home Security Discount

Customers who invest in home security systems such as burglar alarms are eligible for reduced rates on their homeowner’s insurance policies.

Safe Haven for Newborns Discount

Expectant mothers or new parents who install the Safe Haven sign provided by the Utah Department of Health outside their homes get discounted rates on their homeowner’s policies.


In conclusion, if you’re looking for a reputable insurer offering affordable and reliable coverage options with excellent service quality, consider Bear River Insurance. With over 100 years of experience and strong financial standing, they have been meeting the needs of Utah businesses and residents successfully. Connect with one of its agents today to obtain tailored protection that meets all your needs!


What is Bear River Insurance?

Bear River Insurance is an insurance company based in Utah that offers a wide range of insurance products to its customers, including auto, home, and life insurance.

Why should I choose Bear River Insurance for my insurance needs?

Choosing Bear River Insurance means you’ll have access to customizable insurance policies that fit your specific needs and budget. Plus, you’ll enjoy reliable coverage with excellent customer service and competitive rates.

Does Bear River Insurance offer auto insurance?

Yes, Bear River Insurance offers auto insurance with flexible options such as liability, collision, and comprehensive coverage. You can also take advantage of discounts like safe driver or multiple vehicle discounts to save on your premium.

Is there a way to lower my premiums when using Bear River’s automobile coverage?

Yes! If you maintain a clean driving record or bundle your car policy with other types of coverage, you can be eligible for discounts that may help reduce the amount you pay each month.

What about homeowners’ insurance? Does Bear River provide this kind of protection?

Absolutely! From basic dwelling protection to full coverage that includes personal property and liability provisions, Bear River has homeowners’ insurance policies that cater to different homeowner situations and preferences.

As a business owner in Utah what types of commercial policies does bear river offer ?

Depending on the type of business owner you are, Bear River provides a wide array of commercial policies from Business Owners Policy (BOP), General Liability Policy(GCLP) Workers’ Compensation Policy( WCP) ,employee bonding among others .

How can I get an insurance quote with Bear River?

You can either call the customer service line directly to speak with one of their representatives or request a quote online by providing details such as your zip code, coverage type and personal information.

Can I change my insurance policy with Bear River?

Yes, you can always change your policy depending on your current needs or circumstances. If you need to make any changes however it’s recommended that you reach out to a representative at bear river because the nature of the changes you intend to make will determine how long the adjustment process might take.

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