Auto Insurance

At Bear River Mutual, we understand the diverse needs of Utah drivers — from families to missionaries, military members, and adventurers. That’s why we offer affordable Utah auto insurance policies tailored to your lifestyle. We reward responsible driving and help protect the assets that matter most to you.

For the young drivers coming into their own, we provide a seamless transition to their individual policies while carrying over some of their parental discounts. For those serving in the military or on church missions, we recognize the unique circumstances and provide flexible solutions to meet their insurance needs.

We pride ourselves on our inclusive approach to vehicle coverage. In addition to private passenger vehicles, our Utah auto insurance can also cover your motorhomes, trailers, and campers. This comprehensive approach simplifies your insurance experience and provides peace of mind no matter where your journey takes you.

At Bear River Mutual, we offer a range of auto insurance coverages designed to protect you, your vehicle, and your peace of mind. Our policies are crafted to meet divers’ diverse needs, providing financial security in the face of unexpected accidents or damages.

With our deep roots in Utah since 1909, we’ve gained a nuanced understanding of local drivers’ needs. Our unique offerings reflect this local knowledge in ‘Best Driver Program’ and ‘Abstainer Program’ with additional discounts for eligible individuals.

Moreover, we hold a fundamental belief that insurance should be straightforward and sincere. When you choose Bear River Mutual, you’re not signing up for empty catchphrases or marketing tricks. Instead, you’re securing insurance that fits your lifestyle, crafted specifically around your individual needs. This is not a special feature or a gimmick – it’s simply how insurance should work. This unwavering commitment forms the bedrock of our approach to providing fair, transparent, and value-driven insurance services.

In addition to our competitive rates, we offer a variety of discounts to cater to our diverse community, including:

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Bear River Mutual provides strong liability protection when accidents happen. If you injure someone or damage property with your vehicle, we help cover the costs, so you can stay focused on what matters.

It’s important to find the right balance between protection and affordability. Our experienced agents will work closely with you to assess your unique needs and help you find the perfect liability coverage level. Whether you’re looking for lower premiums or maximum protection, we’ll ensure you have the coverage that fits your budget and keeps you protected on the road.

Property Damage Liability: This coverage helps pay for damage you cause to someone else’s property while driving. This usually means damage to someone else’s car, but it can also apply to buildings, utility poles, garage doors, and other physical property.

Bodily Injury Liability covers you if you’re legally responsible for injuring or causing the death of another person in a car accident. It also provides for a legal defense if another party in the accident files a lawsuit against you.

Out of State Coverage adjusts your policy limits if you’re in an accident outside Utah. It raises your coverage to meet the state’s minimum insurance requirements, ensuring you meet legal standards wherever you travel.

Unexpected mishaps shouldn’t derail your plans. Bear River Mutual’s Physical Damage coverage protects your vehicle, so you can drive with confidence. Our Comprehensive and Collision options cover damage from accidents, theft, fire, vandalism, natural disasters, and more.

Comprehensive Coverage: Comprehensive coverage pays for damage to your vehicle caused by events that are out of your control, such as theft, vandalism, natural disasters, or hitting an animal.

Collision Coverage helps you pay to repair or replace your vehicle if it’s damaged in an accident with another vehicle or object, regardless who’s at fault.

No one wants to be left stranded on the side of the road. That’s why we offer 24/7 Roadside Assistance, available whenever and wherever you need it. From towing to lockout assistance and even fuel delivery, our reliable roadside assistance service is here to get you back on track in no time. Don’t let unexpected breakdowns ruin your day – choose Bear River Mutual for peace of mind on every journey.

24-Hour Towing and Roadside Assistance: Help is available any time, day or night, if your vehicle breaks down. This coverage can help with a jump start, flat tire change, lockout services, and towing.

When the unexpected happens, it’s good to know that you won’t be left without a ride. With our Rental Car Reimbursement coverage, you can keep moving forward even after an accident. We’ll help cover the cost of a rental vehicle while your car is being repaired, ensuring that you stay on the move without any financial burden.

Rental Car and Travel Expenses: If your vehicle is being repaired due to a covered loss, this coverage helps pay for a rental car and even certain travel expenses.

We understand that accidents can have a significant impact on your life. That’s why we offer Personal Injury Protection (PIP) coverage to ensure you’re taken care of when it matters most. In addition to covering medical bills, our PIP coverage also provides support for lost wages, loss of services, and even funeral expenses and survivor benefits. With Bear River Mutual, you can focus on recovery while we handle the rest

Personal Injury Protection (PIP): Regardless of who is at fault, PIP covers medical expenses for you and your passengers after an accident. It can also cover lost wages and other related expenses.

While you may be a responsible driver, not everyone on the road shares the same mindset. Protect yourself from the unexpected with our Uninsured/Underinsured Motorist (UM/UIM) coverage. If you’re involved in an accident caused by an uninsured or inadequately insured driver, we’ll make sure you’re covered for any resulting injuries. Don’t leave your well-being to chance – let us provide the protection you deserve

Uninsured Motorist: This coverage helps pay for your medical expenses or repairs to your vehicle if you’re hit by a driver without insurance.

Underinsured Motorist: Similar to uninsured motorist coverage, this coverage applies when the other driver has insurance, but their policy limits aren’t enough to cover all your medical bills or vehicle repair costs.

With Bear River Mutual Auto Insurance, you’re not just on the road; you’re on the road to a safer, more secure tomorrow. Join us, and experience the difference of honest, transparent insurance coverage.

Please note the information presented on this site is intended as a general guide to our insurance products and services. The actual policies, coverages, limits, and policy language are subject to the terms and conditions of the specific insurance contract issued. Any purchase of insurance should be based on these specific contracts and not the general information provided on this site. Always consult with a professional insurance advisor for advice specific to your needs.