Bear River Insurance Review 2022

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Bear River is the oldest mutual property and casualty insurance company in the state of Utah. The company was formed in 1909 and was named for its original founding place along the Bear River, where it provided affordable insurance to the farming community of Garland. Today, the company offers a variety of insurance products in Utah through a network of independent agents.

In 2018, Bear River’s independent agents wrote over $179,000,000 in premiums. Because Bear River Insurance is a mutual company, it is fully owned by its policyholders and positive company performance equates to lower rates. In addition to affordable premiums, Bear River Mutual is also committed to excellent customer service.

Bear River car insurance

Bear River Mutual’s car insurance offerings are fairly standard. The company offers minimum and full coverage insurance, plus a few endorsements for added protection. If your car gets damaged in a covered claim, you can use the Bear Care Direct Repair Program (DRP) to find a trusted auto body shop and get guaranteed work.

Types of coverage

Here are the policies available through Bear Mutual auto insurance:

  • Full coverage: Full coverage insurance includes collision, comprehensive, liability, medical payments and uninsured/underinsured motorist coverage.
  • Personal injury protection: Personal injury protection (PIP) is required in Utah per the state’s no-fault insurance law. PIP covers a driver’s medical expenses and lost wages after an accident, regardless of which driver caused the crash.
  • Gap insurance: Gap insurance is meant for financed or leased cars. If a car gets totaled, gap insurance pays the difference between the car’s diminished value and the remaining loan balance.
  • Roadside assistance: Roadside assistance covers the cost of towing, extrication, battery replacement, fuel delivery and more.
  • Rental car reimbursement: Rental car reimbursement will pay for a rental car if your vehicle needs repairs following a covered claim.


Bear River Mutual offers the following car insurance discounts:

  • Claims-free discount: Drivers who have no prior insurance claims on their record can save money on their insurance policy.
  • Multi-policy discount: Customers who bundle a home and auto insurance policy can qualify for a multi-policy discount.

Bear River home insurance

Bear River home insurance covers primary homes and secondary homes. But in terms of coverage, Bear River’s home insurance offering is very basic, with very few options for customization. One of the most unique aspects of Bear River’s home insurance is the in-house repair network, called the Bear Care Home Repair Program, which helps homeowners get guaranteed work from recommended contractors.

Types of coverage

Bear River Mutual sells the following home insurance coverages:

  • Standard coverage: Standard home insurance coverage includes dwelling, personal property, liability, medical payments and loss of use coverage.
  • Earthquake insurance: Earthquake insurance can be added to your home insurance policy as an endorsement. The deductible is 10% of the home’s dwelling or personal property coverage, whichever is higher.


Bear River Insurance does not advertise any discounts for its home insurance policies online. However, there may be unadvertised discounts available, such as:

  • Multi-policy discount: Homeowners who bundle two or more policies with Bear River Mutual can qualify for a discount.
  • Claims-free discount: Homeowners who have no insurance claims on their record within the last several years often get a cheaper rate.
  • Home safety equipment discount: Homes that have security systems, fire alarms and fire extinguishers usually have lower premiums.
  • Gated community discount: Homes that are located in gated communities have a lower risk of theft, and they often qualify for a cheaper rate.

Reasons why Bear River is a good option

Bear River Mutual Insurance is a decent option for Utah residents. The mutual company structure means that policyholders might be able to get cheaper rates than they would from a national provider. Additionally, small insurance companies like Bear River Mutual tend to have better customer service than large carriers.

However, Bear River’s auto insurance and home insurance coverage is very limited. There are only a handful of endorsements and discounts, which means this company is not a good option for people who want to customize their policy to meet their unique needs. And because Bear River insurance policies are sold through independent agents, customers have to contact an agent to get a quote and make changes to their policy.

Bear River ratings, reviews, customer satisfaction and complaints

Organization Bear River Rating
Better Business Bureau (BBB) B-
AM Best A-
NAIC Company Complaint Index Below average complaints

Bear River Mutual reviews are mixed. The BBB gives Bear River Mutual a B- rating, and the company has an average rating of 1.11 out of 5 stars based on 11 customer reviews. However, Bear River has excellent financial strength, with an A- rating from AM Best. Bear River Mutual only had one customer complaint in 2018, so the company has below average complaints according to the National Association of Insurance Commissioners (NAIC).

Additional policies offered by Bear River

Here are the additional policies available from Bear River Mutual:

  • Condo insurance
  • Renters insurance
  • Dwelling insurance
  • Umbrella insurance

Frequently asked questions

What do I need to get a quote from Bear River?

To get a quote from Bear River Mutual Insurance, you will need to contact an agent. You will be asked to provide your personal information, birthday and social security number. For home insurance, you will be asked to share information about your house, like the square footage, year it was purchased, year it was built, etc. For car insurance, you will need to provide the vehicle’s VIN number, mileage and make, model and year. Finally, you will be asked how much coverage you need, what type of coverage you need and your chosen deductible.

How do I file a claim with Bear River?

Customers can file a claim with Bear River through the online customer portal or by calling their agent. You will need to give a detailed explanation of the incident, including the date, time, location, extent of the damage and anyone else who was involved.

Written by
Elizabeth Rivelli
Insurance Contributor
Elizabeth has two years of experience writing for insurance domains such as, The Simple Dollar, and NextAdvisor, among others. In addition to auto insurance, Elizabeth regularly writes about home insurance, renters insurance and life insurance. She also covers industry trends and general insurance education.