Not Just a Policy

We understand filing a claim and insurance in general can be stressful. We strive to make the process as easy as possible.

Transparent Pricing

It matters to us that you understand what you are paying for and what can impact your pricing.

No Gimmicks

We don’t have a gecko, and we don’t pretend picking your coverage is something unique.

1. Exceptional Service

2. Nothing to Hide

3. The Real Deal

Insurance should be more than just a Policy

Being insured with Bear River Mutual means you have the financial protection of your Policy, but it also means we have your best interest in mind.

Set for Life

Help When You Need It

If you have a broken taillight, water in your basement, a severe accident, or even just a question, our Agents and staff are ready to help you navigate your concerns.

Trusted by Thousands

Price Protection

As a Utah resident, you should not have to pay for storms in Florida or stolen vehicles in California. We price according to risks in Utah, not other parts of the country.

Total Payment Transparency

Your Money Matters

Insurance is rarely considered cheap when it comes to cost. We don’t think you want to pay for large TV ad campaigns or racing teams in additional to what it costs to get the coverage you need. Our competitive pricing is for our policies and the service that comes with them, not to fund national marketing teams.

Protection You Deserve

Start with us, and stay with us:

It is true that we have age restrictions for new Auto insurance customers. For single individuals, the policy owner (aka, named insured) must be at least 25. If married, at least one named insured must be 21 or older. However, if you are on your parents policy as a driver and are ready to have your own policy, the age restrictions are relaxed to 18 years of age, subject to other underwriting guidelines. Even better, you may even be able to benefit from some of the discounts your parents earned on your new policy.

If you are renting long-term, renting short-term while building a home, or changing homes, we have policies that can cover you for each stage of your journey. Even if you are changing homes and decide to rent out your old residence, we have options to protect your assets.

Our policy holders are able to benefit from discounts that accumulate over time. It is just one way we are able to help the best drivers and most responsible homeowners that appreciate the stability of Bear River Mutual.

Benefit from Account Bill

Customers that pay for more than one policy can look forward to simplified billing options. Regardless of the number of policies you have with us, you have the flexibility to have all of them included on the same billing statement and pay against a single account. We will automatically apply your payment based on where the amounts are due. If account bill is not right for you, no problem. Simply let your agent know that you would like each policy to be billed separately.

If you pay your insurance premiums to a mortgage company, we will bill the mortgage company directly. Policies paid by a mortgage company will not be included on personal billing accounts.

Billing Statements are usually issued on a regular basis, such as monthly, quarterly, or annually, depending on the payment terms of the policy. The amount due may vary based on factors such as changes you have made to coverage.

It’s important to pay insurance account bills on time to take advantage of prompt payer discounts, avoid lapses in coverage or other penalties, such as late fees or cancellation of the policy. If you have any questions or concerns about your statement, you should contact your agent or our customer care team for assistance.

How we protect the contents of your home:

Most of us assume that our furniture and appliances are covered by a Homeowner insurance policy when really bad things happen, such as a house fire. Protection afforded to you through a Bear River Mutual insurance policy can go much further!

Concerned about what would happen if you were on a vacation and your items are stolen from your hotel room? What about if misjudge the height of parking garage and a bicycle that is on your cars roof rack gets damaged? Even that once in a lifetime event when a deer runs through your patio door and turns your living room into a mosh pit. You may be pleasantly surprised that all of these things can be safely insured under the same policy that protects your house.

Concerned about what would happen if you were on a vacation and your items are stollen from your hotel room? What about if misjudge the height of parking garage and a bicycle that is on your cars roof rack gets damaged? Even that once in a lifetime event when a deer runs through your patio door and turns your living room into a mosh pit. You may be pleasantly surprised that all of these things can be safely insured under the same policy that protects your house.

Always rend the Policy that applies to the coverage term or speak with your Agent for specific limitation.

How we protect the contents of your home:

Most of us assume that our furniture and appliances are covered by a Homeowner insurance policy when really bad things happen, such as a house fire. Protection afforded to you through a Bear River Mutual insurance policy can go much further!

Concerned about what would happen if you were on a vacation and your items are stollen from your hotel room? What about if misjudge the height of parking garage and a bicycle that is on your cars roof rack gets damaged? Even that once in a lifetime event when a deer runs through your patio door and turns your living room into a mosh pit. You may be pleasantly surprised that all of these things can be safely insured under the same policy that protects your house.

Concerned about what would happen if you were on a vacation and your items are stollen from your hotel room? What about if misjudge the height of parking garage and a bicycle that is on your cars roof rack gets damaged? Even that once in a lifetime event when a deer runs through your patio door and turns your living room into a mosh pit. You may be pleasantly surprised that all of these things can be safely insured under the same policy that protects your house.

Always rend the Policy that applies to the coverage term or speak with your Agent for specific limitation.

How we protect the contents of your home:

Most of us assume that our furniture and appliances are covered by a Homeowner insurance policy when really bad things happen, such as a house fire. Protection afforded to you through a Bear River Mutual insurance policy can go much further!

Concerned about what would happen if you were on a vacation and your items are stollen from your hotel room? What about if misjudge the height of parking garage and a bicycle that is on your cars roof rack gets damaged? Even that once in a lifetime event when a deer runs through your patio door and turns your living room into a mosh pit. You may be pleasantly surprised that all of these things can be safely insured under the same policy that protects your house.

Concerned about what would happen if you were on a vacation and your items are stollen from your hotel room? What about if misjudge the height of parking garage and a bicycle that is on your cars roof rack gets damaged? Even that once in a lifetime event when a deer runs through your patio door and turns your living room into a mosh pit. You may be pleasantly surprised that all of these things can be safely insured under the same policy that protects your house.

Always rend the Policy that applies to the coverage term or speak with your Agent for specific limitation.

How we protect the contents of your home:

Most of us assume that our furniture and appliances are covered by a Homeowner insurance policy when really bad things happen, such as a house fire. Protection afforded to you through a Bear River Mutual insurance policy can go much further!

Concerned about what would happen if you were on a vacation and your items are stollen from your hotel room? What about if misjudge the height of parking garage and a bicycle that is on your cars roof rack gets damaged? Even that once in a lifetime event when a deer runs through your patio door and turns your living room into a mosh pit. You may be pleasantly surprised that all of these things can be safely insured under the same policy that protects your house.

Concerned about what would happen if you were on a vacation and your items are stollen from your hotel room? What about if misjudge the height of parking garage and a bicycle that is on your cars roof rack gets damaged? Even that once in a lifetime event when a deer runs through your patio door and turns your living room into a mosh pit. You may be pleasantly surprised that all of these things can be safely insured under the same policy that protects your house.

Always rend the Policy that applies to the coverage term or speak with your Agent for specific limitation.

How we protect the contents of your home:

Most of us assume that our furniture and appliances are covered by a Homeowner insurance policy when really bad things happen, such as a house fire. Protection afforded to you through a Bear River Mutual insurance policy can go much further!

Concerned about what would happen if you were on a vacation and your items are stollen from your hotel room? What about if misjudge the height of parking garage and a bicycle that is on your cars roof rack gets damaged? Even that once in a lifetime event when a deer runs through your patio door and turns your living room into a mosh pit. You may be pleasantly surprised that all of these things can be safely insured under the same policy that protects your house.

Concerned about what would happen if you were on a vacation and your items are stollen from your hotel room? What about if misjudge the height of parking garage and a bicycle that is on your cars roof rack gets damaged? Even that once in a lifetime event when a deer runs through your patio door and turns your living room into a mosh pit. You may be pleasantly surprised that all of these things can be safely insured under the same policy that protects your house.

Always rend the Policy that applies to the coverage term or speak with your Agent for specific limitation.

How we protect the contents of your home:

Most of us assume that our furniture and appliances are covered by a Homeowner insurance policy when really bad things happen, such as a house fire. Protection afforded to you through a Bear River Mutual insurance policy can go much further!

Concerned about what would happen if you were on a vacation and your items are stollen from your hotel room? What about if misjudge the height of parking garage and a bicycle that is on your cars roof rack gets damaged? Even that once in a lifetime event when a deer runs through your patio door and turns your living room into a mosh pit. You may be pleasantly surprised that all of these things can be safely insured under the same policy that protects your house.

Concerned about what would happen if you were on a vacation and your items are stollen from your hotel room? What about if misjudge the height of parking garage and a bicycle that is on your cars roof rack gets damaged? Even that once in a lifetime event when a deer runs through your patio door and turns your living room into a mosh pit. You may be pleasantly surprised that all of these things can be safely insured under the same policy that protects your house.

Always rend the Policy that applies to the coverage term or speak with your Agent for specific limitation.

How we protect the contents of your home:

Most of us assume that our furniture and appliances are covered by a Homeowner insurance policy when really bad things happen, such as a house fire. Protection afforded to you through a Bear River Mutual insurance policy can go much further!

Concerned about what would happen if you were on a vacation and your items are stollen from your hotel room? What about if misjudge the height of parking garage and a bicycle that is on your cars roof rack gets damaged? Even that once in a lifetime event when a deer runs through your patio door and turns your living room into a mosh pit. You may be pleasantly surprised that all of these things can be safely insured under the same policy that protects your house.

Concerned about what would happen if you were on a vacation and your items are stollen from your hotel room? What about if misjudge the height of parking garage and a bicycle that is on your cars roof rack gets damaged? Even that once in a lifetime event when a deer runs through your patio door and turns your living room into a mosh pit. You may be pleasantly surprised that all of these things can be safely insured under the same policy that protects your house.

Always rend the Policy that applies to the coverage term or speak with your Agent for specific limitation.

How we protect the contents of your home:

Most of us assume that our furniture and appliances are covered by a Homeowner insurance policy when really bad things happen, such as a house fire. Protection afforded to you through a Bear River Mutual insurance policy can go much further!

Concerned about what would happen if you were on a vacation and your items are stollen from your hotel room? What about if misjudge the height of parking garage and a bicycle that is on your cars roof rack gets damaged? Even that once in a lifetime event when a deer runs through your patio door and turns your living room into a mosh pit. You may be pleasantly surprised that all of these things can be safely insured under the same policy that protects your house.

Concerned about what would happen if you were on a vacation and your items are stollen from your hotel room? What about if misjudge the height of parking garage and a bicycle that is on your cars roof rack gets damaged? Even that once in a lifetime event when a deer runs through your patio door and turns your living room into a mosh pit. You may be pleasantly surprised that all of these things can be safely insured under the same policy that protects your house.

Always rend the Policy that applies to the coverage term or speak with your Agent for specific limitation.

How we protect the contents of your home:

Most of us assume that our furniture and appliances are covered by a Homeowner insurance policy when really bad things happen, such as a house fire. Protection afforded to you through a Bear River Mutual insurance policy can go much further!

Concerned about what would happen if you were on a vacation and your items are stollen from your hotel room? What about if misjudge the height of parking garage and a bicycle that is on your cars roof rack gets damaged? Even that once in a lifetime event when a deer runs through your patio door and turns your living room into a mosh pit. You may be pleasantly surprised that all of these things can be safely insured under the same policy that protects your house.

Concerned about what would happen if you were on a vacation and your items are stollen from your hotel room? What about if misjudge the height of parking garage and a bicycle that is on your cars roof rack gets damaged? Even that once in a lifetime event when a deer runs through your patio door and turns your living room into a mosh pit. You may be pleasantly surprised that all of these things can be safely insured under the same policy that protects your house.

Always rend the Policy that applies to the coverage term or speak with your Agent for specific limitation.

Hear From Our Customers

Bear River Mutual Insurance CompanyExcellentBear River Mutual Insurance Company4.5 Based on 1782 reviews fromSee all reviews review us on ★★★★★ They are the best insurance company. I love that they are local, and I truly consider Andy a friend. He always answers his phone and responds quickly. He looks our for me and my family. We have been with this company for years.Marisa Wilson ★★★★★ My wife and I have been with Bear River for around 30 years without a single claim (other than windshield chip repairs). We then suffered wind damage with unusually strong wind storms (2) and I shyly submitted a claim. Bear River came through and took great care of us. I would highly recommend them to everyone.Mark Dayley ★★★★★ Quick service and very trustworthy... I am very happy with bear river mutual in resolving my claim. I highly recommend them . This is the first time I had to put a claim in using this insurance. They were very easy to work with and explained everything so I could understand.Fran Henriquez ★★★★★ I've loved being a customer of Bear River for home insurance for over 10 years. However, after a single bad year of us having a number of claims for some plumbing, mold and other issues, Bear River opted to not renew our policy for 2024. I understand the calculation for underwriting policies that a smaller company like Bear River has to make, but we were disappointed that Bear River chose to part ways with us after covering our issues this last year.Charles Beckmann ★★★★★ Bear River's service was quick and professional. They took care of communications with the garage and the rental company. Their service totally exceeded my expectations. Thank you!Pascal Langevin ★★★★★ When our home flooded, we were devastated. Our claims specialist was sympathetic, helpful, and very responsive throughout the entire process. She made things so much easier and helped get our home put back together in a timely manner. We are so grateful for Bear River Mutual and their employees.Richardson Team ★★★★★ Bear River and our rep, Jayden at Bear River is amazing. He is always there for us. He always picks up the phone. He has saved us over $1000 a month with his comments on how we can save. We converted our home owners insurance with him because him and Bear River does such a great job. The coverage is amazing. They never cut corners and the end products always are 5 star. Thx for all your help Jayden.Nikkie Stone ★★★★★ I have had a great experiences working with Bear River Insurance on a few claims over the last 10years. They have been professional, informative and helped me through a difficult situation with getting the our cars taken care of. I would highly recommend Bear River. We have been with Bear River for 15+ years and have all of our vehicles that they cover (they don't cover UTV's or Boats) with them including our home owners insurance. thanks for the great service and prices.Brian Stanley ★★★★★ Unfortunately, I had a claim on my car insurance; however, Bear River made the process quick and easy. I had a person I could call about the claim anytime and when I called them, I was able to get meaningful answers. The insurance claim payment was very fair and we were able to complete the entire claim process in less than 3 weeks. This included estimates on the damage, decisions by the claim adjuster and receiving the check. I never heard from the other parties in the claim, so I would assume their claims were also satisfied.Glenn Fassmann ★★★★★ I had left a bad review to begin with but my mind and heart has changed. I was able to get in contact with Brandon, Nathan’s supervisor and we settled things for the better. I appreciate Bear River for calling me back about my review and making sure the problem gets resolved. I appreciate their help and making sure that as a claimant I get what I deserve. I wish them nothing but success in the future!🤙🏾Maa Notoa ★★★★★ What can I say other than YOU'RE ALL AMAZING!!! I've only been with you since I was 16! Best prices, best agents, best customer service, THE ABSOLUTE BEST at insurance! After my car was totalled (not my fault!), I called in to file my claim. The process was so easy and hassle free! The team I worked with took care of everything, and I was in another vehicle of my own 8 days later! That's incredible! It's been that way for every claim I've ever had! Thank you for being the BEST with the GREATEST PEOPLE!!!Heather Hodges ★★★★★ Working with my claims adjuster at Bear River has been a great experience. She has been professional and so helpful, as well as showing true care and concern for what we are going through. I would recommend Bear River to everyone!Walter Hammond ★★★★★ I have used Bear River for many years. The rates are good and when I had a claim, It was taken care of quickly and painlessly. I call my agent Josh every year to make sure I am getting the best rates. Most of the times he is able to do so but he also is understanding when I have to use another carrier.Walter G ★★★★★ I have been with Bear River Mutual for many years. My experience has been very good. I have compared their rates with other companies, and find they have the best rates available. I have experienced serval accidents during my time with Bear River Mutual. Their response has always been timely and helpful. I recently had such an experience with my pickup truck. Once again, I was reminded why I stay with Bear River. Their friendly and timely service to me was greatly appreciated. I was provided with a rental car while my repair was completed and my truck is once again good as new. Thanks Bear River.Joseph Harmanjs_loader