Bear River Mutual Insurance Review

  • With 1.7/5 stars in 2024, Bear River Mutual is a poor insurance company.
  • Read Bear River Mutual reviews, complaints and prices before you buy.
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Renata Balasco

Senior Content Strategist

  • Licensed Insurance Agent — Property and Casualty

Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as licensed insurance professional and content strategist.…

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Kristine Lee

Insurance Analyst

  • Licensed Insurance Agent — Property and Casualty
  • 4+ years of Experience in the Insurance Industry

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

Bear River Mutual insurance: Ratings and reviews

1.7 100% filled Star icon 70.0% filled Star icon 0% filled Star icon 0% filled Star icon 0% filled Star icon

Rating from The Zebra Question mark icon

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.

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.

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1.7 stars Rating from The Zebra
Ratings based on price, customer service, coverage, and financial strength.
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  • Local agents serve customers with individual care

  • Bundling options

  • Fewer customer complaints than average

  • Only available in the state of Utah

  • Limited online information

  • Low BBB rating

Is Bear River a good insurance company?

The majority of The Zebra's review incorporates how well Bear River scores in terms of customer service. In order to determine that we looked at the following third-party ratings.

BBB Customer Reviews: 1/5

  • Bear River has a 1/5 rating from Better Business Bureau customers[1]

Complaint Index: Below average

  • The National Association of Insurance Commissioners (NAIC) receives Below average customer complaints for Bear River Mutual[2]

Financial Strength: Excellent/Good

  • Bear River received an Excellent/Good financial stability rating from A.M. Best[3]

The Zebra Customer Satisfaction Survey

In addition to third-party ratings, we like to incorporate the results from our own consumer survey where we ranked which suto insurance companies are the best based on feedback from real customers. However, we did not collect a sufficient amount of data on Bear River for it to be included.

How much does Bear River Mutual insurance cost?

Information on Bear River average premiums is limited, which makes it hard to provide an accurate review and calculate a fair rating. 

It's important to remember that several personal factors are considered when policies are written, and premiums will vary based on things like age, driving history, geographic location and vehicle type. It's worth getting a quote on auto insurance in your area to see if Bear River can offer coverage within your budget. 


Discounts offered

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

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What types of coverage does Bear River offer?

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:

  • Roadside assistance: Offered as an optional coverage, Bear River’s roadside assistance includes towing, lockout services and gas delivery.
  • 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.
  • RV/motor home/trailer insurance: You may also cover your RV, motor home or travel trailer with this additional protection plan.

Read more about Bear River's coverage options here.

Bear river logo

Additional lines of insurance

In addition to auto insurance, Bear River Mutual offers a few other products, all of which are only available in the state of Utah.

Bear River Mutual insurance review: Summary

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.

Methodology — how The Zebra reviews insurance companies

The team of insurance experts at The Zebra considers the company's standing in five main categories to come up with an overall rating. These metrics are weighted according to importance and are detailed below:

  • Price (20%): Using the base profile detailed below, we compared the company's average rate with the national average. If it surpassed this average, we gave a lower rating; if it fell below, we awarded a higher rating.
  • Coverage (20%): The highest-scoring companies offer a variety of coverage options, including bundling options, roadside assistance, telematics, beyond-basic coverage levels, and a variety of other coverage types.
  • Customer service (30%): We averaged ratings from JD Power, the NAIC complaint index to come up with a rating for the company's customer service. In instances when a company is not rated, we may use alternative rating agencies such as the Better Business Bureau and Trust Pilot.
  • Financial strength (10%): We use AM Best to determine a company's financial standing. In some cases when a company is not rated by AM Best, we may use an alternative measure such as Demotech.
  • The Zebra's Customer Satisfaction Survey (20%): The Zebra conducts an annual survey measuring customer satisfaction for many of the top insurance companies with the goal of ranking both the best auto insurance companies and best home insurance companies. Read more below.

For our auto insurance review, we analyzed more than 83 million insurance rates spanning 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

For our home insurance review, rates are based on a sample user profile: a 45-year-old married homeowner living in a 2,500-square-foot single-story home built in 2011 with these coverage levels:

  • $200,000 for the dwelling
  • $20,000 for other structures
  • $100,000 for personal property
  • $100,000 for personal liability
  • $1,000 deductible

These sample premiums are dynamic and automatically refresh whenever the newest data is made available.

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

For The Zebra's Customer Satisfaction Survey, findings are based on an online quantitative survey of 4,134 current U.S. auto and home insurance customers, with Census-balanced sampling by age, gender and region. Categories with n=<20 responses are considered insufficient sample size and are not reported. This survey was developed by The Zebra and executed by independent research firm Maru/Blue in 2023.

Bear River Mutual insurance: Frequently asked questions

Bear River Insurance may be a good choice for Utah residents seeking affordable basic insurance policies, as they have a low customer complaint index according to the NAIC. However, potential policyholders should be aware that the company operates exclusively in the state of Utah, and there is limited online information available surrounding the company.

Yes, Bear River Mutual is a legitimate insurance company rated highly by the NAIC, signaling few customer complaints.

Bear River Mutual only operates in Utah.

While Bear Rever is not included in J.D. Power's claims satisfaction survey, they are rated highly by AM Best for financial stability, which reflects an insurer's ability to meet obligations, including paying out claims.

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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 editorial 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.