Car and Auto Insurance Coverage in Utah | Bear River Mutual

Auto Insurance

At Bear River Mutual, our strict auto insurance qualification standards allow us to insure only the best drivers while consistently offering some of the lowest rates available. And Bear River Mutual policyholders can be confident knowing they are covered wherever they go throughout the United States and Canada – not just in Utah.

So buckle up, put that mobile phone away, and enjoy your drive. While you’re out, stop in and talk to an independent agent about Bear River Mutual insurance. Your independent Bear River Mutual agent is an expert who can help determine the right auto coverage for you.

Get an auto insurance quote today.



Liability coverage pays the costs if you hurt someone else, or damage their property, with your vehicle.  If you are sued, required to pay medical bills for others, or must pay for repairs to property damaged by your accident, liability coverage will help cover those costs.

Every state, including Utah, requires a certain minimum liability coverage level. Sometimes it can be hard to know what the right level is for you. Lower coverage could mean lower premiums but not as much protection in the case of a bad accident. Higher coverage gives you more protection but may not fit within your budget. Your Bear River Mutual agent can work closely with you to look at all of your coverage and help you find the right balance of cost and protection.

Physical Damage:

Will you be able to repair or replace your vehicle should you have a mishap? Bear River offers Comprehensive and Collision coverage to cover your car should it be damaged in an accident. If this occurs, we can pay for accident-related repairs or even pay for the value of the vehicle should damages be that high.

For example, Collision Coverage protects you from accidental damages caused by a collision—regardless of who is at fault. Comprehensive Coverage helps repair damages caused by fire, theft, vandalism, hail, flooding and more. Your local agent can help you understand physical-damage criteria and recommend appropriate coverage levels.

Uninsured/Underinsured Motorist:

Not everyone on the road is as responsible as you are. Make sure you are protected by having UM/UIM coverage on your policy. Adding this option provides coverage for injuries that were caused by a driver who was not insured or inadequately insured.

Personal Injury Protection:

Unfortunately, sometimes people get hurt in automobile accidents. Personal injury protection coverage will help ensure that you have coverage for medical bills, lost wages, or loss of services. If needed, this coverage also provides for funeral expenses and survivor benefits.

24/7 Roadside Assistance:

You won’t find yourself stranded when you have this option on your policy. Bear River Mutual roadside assistance can help with towing, lockout or even gas delivery. This is additional coverage that can be added through your independent Bear River Mutual agent.

Rental Car Reimbursement:

Make sure you don’t take a financial hit when you get in a fender-bender. Your vehicle might need to be towed after an accident, or maybe you just need some help getting around while your vehicle is in the shop. With this coverage, Bear River Mutual can help pay for a rental vehicle to keep you mobile after an accident.

RV/Motor Home/Trailer:

Avoid life’s potholes on your next adventure with affordable coverage.