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We don’t insure everyone

So your rates
stay low

Learn more about our


We don’t insure everyone so your rates STAY LOW

Auto Insurance

Auto Insurance

We know you have many options when it comes to choosing your auto insurance company. We may not employ talking animals or stand-up comedians, but what we DO have is low rates, first-class service, and a company filled with people dedicated to serving our friends and neighbors here in Utah.
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Home Insurance

Home Insurance

Your home is more than a structure – it is an investment of your family’s money, time and memories. Bear River Mutual can help you protect that investment with home insurance coverage that is easy on both your mind, and your wallet. Those are some values that we can all agree on.
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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.

“I actually feel like my insurance company cares about me!"
Bear River
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