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Bear River Mutual at a glance

Bear River Mutual Insurance Review
Pros Cons
  • Local agents serve customers with individual care
  • Bundling options
  • Superior NAIC rating signals few customer complaints
  • Only available in the state of Utah
  • Limited online information

Bear River Mutual Insurance is Utah’s oldest provider of property and casualty insurance. Headquartered in Salt Lake City, Bear River provides auto, homeowners, renters, condo, dwelling and umbrella insurance products. Let’s explore Bear River’s coverage options, ratings and discount opportunities in The Zebra’s review.


Bear River Mutual car insurance review

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2.5 Rating from The Zebra Question mark icon

Bear River advertises low premiums for Utah drivers and offers a fairly standard suite of auto insurance coverage. Included in their basic package are coverages for liability, physical damage, uninsured/underinsured motorists and personal injury protection (PIP). The company's website does not offer information on discount opportunities, though you can get a quote online or call a local agent for further information.

  • JD Power — Not rated
  • Financial Strength — Excellent: A.M. Best gave Bear River Mutual a rating of A-, indicating a strong ability to pay out claims.
  • NAIC rating — Superior: The National Association of Insurance Commissioners (NAIC) registered far fewer consumer complaints than the national median regarding Bear River Mutual.
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Bear River Mutual car insurance coverage options

Bear River’s auto insurance coverage suite includes liability, physical damage, uninsured/underinsured motorist coverage and personal injury protection (PIP). Since Utah is a state that requires PIP insurance, this replaces medical payments coverage. It also offers a few optional coverages to policyholders.

tow truck
Roadside assistance

Offered as an optional coverage, Bear River’s roadside assistance includes towing, lockout services and gas delivery.

Rental car
Rental car reimbursement

With this coverage, Bear River will help cover the cost of a rental car if your personal vehicle is rendered inoperable due to an accident.

trailer
RV/motor home/trailer insurance

You may also cover your RV, motor home or travel trailer with this additional protection plan.


Bear River Mutual car insurance rates

Bear River vs. Competitors
Bear River vs. competitors by age group
Insurance Company Teens 20s 30s 40s 50s 60s
Allstate $6,041 $2,077 $1,680 $1,680 $1,686 $1,702
American Family $5,093 $2,225 $1,620 $1,589 $1,556 $1,588
Auto Owners $5,124 $2,098 $1,277 $1,285 $1,266 $1,393
Bear River $1,640 $1,130 $606 $606 $573 $573
GEICO $2,849 $990 $821 $840 $768 $768
Farmers $7,616 $2,243 $1,823 $1,737 $1,577 $1,577
Progressive $6,581 $1,731 $1,263 $1,250 $1,121 $1,195
State Farm $4,648 $2,146 $1,407 $1,393 $1,330 $1,295

*Rates based on average annual premiums in the state of Utah only. 

Auto insurance data methodology

The auto insurance rates published in this guide are based on the results of The Zebra's State of Insurance car insurance pricing analysis. This analysis of more than 83 million insurance rates spans every U.S. ZIP code, using a sample user profile: a 30-year-old single male driver with a Honda Accord, good credit and full coverage at these levels:

  • $50,000 per person/$100,000 per incident for bodily injury liability
  • $50,000 per incident for property damage liability
  • $500 deductibles for collision and comprehensive coverage

To generate pricing for particular rating factors, we adjusted the driving profile based on common pricing factors used by major car insurance companies. These factors include credit score, coverage level, driving record and others.

In some instances, average rates from Liberty Mutual were derived from internally sourced sales data.


Bear River car insurance discounts

The Bear River website offers no indication that discounts are available on car insurance policies. When reached out for comment, the mutual insurance company was unable to provide any information on offerings, discounts or further assistance in any way.

Bear River bundling options

In addition to auto insurance, Bear River Mutual offers homeowners and condo insurance, renters insurance, dwelling insurance and umbrella insurance. All insurance products are only available in the state of Utah.

Decide which car insurance policy is right for you.

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Bear River Mutual homeowners insurance review

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3 Rating from The Zebra Question mark icon

Because this company only insures homes in Utah, their policy premiums are based on a low-risk pool — Utah does not experience many natural disasters and homes are rarely, if ever, in high-risk areas. This allows rates to typically be affordable for Utah homeowners.

  • JD Power — Not rated
  • Financial Strength — Excellent: A.M. Best gave Bear River Mutual a rating of A-, indicating a strong ability to pay out claims. 
  • NAIC rating — Superior: The National Association of Insurance Commissioners (NAIC) registered far fewer consumer complaints than the national median regarding Bear River Mutual.
Get a Quote

Bear River homeowners insurance coverage options

It is not entirely clear on Bear River’s website exactly what protections are included in a standard homeowners insurance policy, but a basic homeowners package typically includes coverage for your dwelling, other structures, personal liability, medical payments and temporary loss of use. They do, however, list options for some coverages you may select as a homeowner.

house
Secondary residence coverage

Bear River offers coverage for policyholders with second homes.

shield
Earthquake coverage

If an earthquake does occur in Utah, you can add protection to your home with this optional endorsement.

award
Equipment breakdown and utility/service line coverage

This endorsement is meant to protect electrical devices and equipment in your home from mechanical failure. You can also cover buried utility lines like gas, electric, and water/sewage lines with service line coverage.


Bear River homeowners insurance discounts

Like car insurance discounts, this information is absent on the Bear River Mutual website. Such information was also refused when reached out for further information. It is possible that they may offer unadvertised discounts, but you would need to call in for a quote in order to receive that information.
discounts

Bear River online features

While policy information can be accessed online, Bear River does not offer a mobile app of any kind. Through their customer portal, you can view policy information, pay your bill, access ID cards and make certain claims (auto glass, roadside assistance and umbrella policies must be made over the phone). All other communications — even the quote process — must be handled by calling the company.

How to cancel a Bear River policy

You can only cancel your policy by speaking to a Bear River agent over the phone. Call 1-800-267-5000 for customer service or call your insurance agent for cancellation.


Is Bear River right for you?

Utah residents may find affordable rates for basic policies through Bear River. Though their customer complaint average is low, it’s worth noting that smaller companies tend to have smaller customer bases, resulting in a lower possibility of complaints.

Perhaps customer service is more attentive to policyholders, but representatives were hesitant to offer any information to this reviewer, resulting in gaps in some important details. Still, with low rates and multiple insurance products, Utah residents might find that a Bear River Mutual insurance policy works for them.

Weigh your options and get the best value from your next insurance policy.

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No junk mail. No spam calls. Free quotes.

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.