Auto Insurance

Your Partner on Every Journey: Bear River Mutual Auto Insurance

At Bear River Mutual, we understand and respect the diverse needs of Utah’s drivers — from families, to those serving in the military, to those on church missions, and to the adventurers at heart. We’re here to offer auto insurance policies tailored to your unique lifestyle and needs, rewarding responsible driving habits and safeguarding your valued assets.

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 auto policies 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.

Why Choose Bear River Mutual?

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 the diverse needs of drivers, 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. This local knowledge is reflected in our unique offerings — ‘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.

Our Range of Discounts:

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

Multiple Policies: Earn savings across your policies when you choose Bear River Mutual for more than one type of insurance.
Multiple Cars: Enjoy savings when you insure more than one vehicle with us.
Paid in Full: Receive a discount when you pay your policy premium in full.
Prompt Payments: Make timely payments and earn additional savings.
Non-Owner Students: Students without their own vehicles can avail of special discounts.
Senior Driver Training: Seniors attending driver training classes get additional discounts.
Older Vehicles: We don’t think you should have to replace a trusted car just to get a discount.
Motorhomes: Adding a motorhome to your Auto policy saves your money.

Get an Auto Insurance quote today.

Liability Coverage

At Bear River Mutual, we’ve got you covered when it comes to liability protection. Accidents happen, but with our Liability coverage, you can rest easy knowing that we’ll take care of the costs if you accidentally hurt someone or damage their property with your vehicle. From medical bills to property repairs, our comprehensive liability coverage has you covered.

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: This coverage applies when you’re held responsible for injuries or death to another person in an automobile accident. It also provides for a legal defense if another party in the accident files a lawsuit against you.

Out of State Coverage: If you’re involved in an accident outside Utah, this coverage adjusts your policy limits to meet the minimum requirements of the state where the accident occurred, providing additional peace of mind when you travel.

Physical Damage Coverage

Don’t let unexpected mishaps put a dent in your plans. With Bear River Mutual’s Physical Damage coverage, you can hit the road with confidence, knowing that we’ve got you covered. Our Comprehensive and Collision coverage options ensure that your vehicle is protected against damages from accidents, fire, theft, vandalism, hail, flooding, and more. Whether it’s repairing accident-related damages or compensating you for the value of your vehicle, we’ve got you covered every step of the way.

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: Covers the costs to repair or replace your vehicle if it’s damaged in an accident with another vehicle or object, regardless of who’s at fault.

24/7 Roadside Assistance

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.

Rental Car Reimbursement

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.

Personal Injury Protection

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.

Uninsured/Underinsured Motorist Coverage

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.

Choose Bear River Mutual for Your Auto Insurance Needs

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.

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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.