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How do customers rate Bear River Mutual Insurance Company?

are likely to renew their policy
are likely to renew their policy
are likely to renew their policy

Bear River Mutual Insurance: Compare Ratings, Rates, & Coverages

This business was formed in 1909 in Northern Utah along the namesake river making it the oldest mutual property and casualty insurance company in Utah. It was originally formed to provide affordable insurance to local farmers but expanded to include multiple lines of insurance. Today, Bear River provides auto, home, renters, and other specialty lines of insurance to Utah residents. The company is specialized in the policy needs of people in Utah. If you want a quote, you generally need to call an independent agent.

The process is similar for claims on auto insurance. As a small company, their office hours are limited. So you can start your claim online, but you may not get an update until the next business day.

How much does Bear River Mutual Insurance homeowners insurance cost?

When shopping for homeowners insurance in Utah, it's important to know that your rates could vary based on your unique characteristics, your home, and your area. In the graph below, you can see the average cost of Bear River homeowners insurance compared to the average cost of homeowners insurance in Utah. The graph is split into two categories: a home worth $200,000 and a home worth $400,000.

The average homeowners insurance rates from this company for both the $200K home and $400K home are very close to the average homeowners insurance policy cost in Utah. The Bear River rates for the $200K home are slightly lower while the rates for the $400K home are slightly higher. Please note that these are average homeowners insurance rates based on specific profiles and your rate could be higher or lower based on your unique characteristics that affect homeowners insurance rates. You will have to get a personalized quote to determine your premiums.

Graph comparing Bear River homeowners insurance rates vs. Utah average for a 200K and 400K home

What coverages does Bear River Mutual Insurance Company offer?

How Do Bear River Mutual's Auto Insurance Rates Compare?

Many people in Utah insured by Bear River enjoy low rates on their auto policy. Bear River's rates can be half of what you might expect with some other carriers for the same drivers. Keep in mind, they do this partly by mitigating their risk aggressively.

So if you're applying with multiple traffic infractions, you may not get a policy. If you get too many incidences during a policy period, Bear River's offices may choose not to renew your policy. If you want the conveniences of larger auto insurance companies like Allstate or State Farm, Bear River may also not be the right choice for you.

What More Should You Know about Bear River Mutual?

In recent years, Bear River has expanded its services. They provide 24/7 roadside assistance and rental car reimbursement policyholders can add to their policy. You can also get renters insurance if you're not yet a homeowner.

Bear River only insures homes in Utah, which means insurance rates are based only on claims in Utah, not other high-risk areas of the country that are prone to catastrophes like hurricanes. This business model along with the fact that they are not very risk tolerant on auto policies allows the company to charge you lower rates for the same coverage you could get from other insurance products. If you sign up for collision and comprehensive coverage, you will get the same coverage you would elsewhere.

All of the employees dedicate time to give back to the community through charity events and fundraising.

Should You Get an Insurance Quote from Bear River Insurance?

An independent insurance agent can advise you on your options, especially with local companies like Bear River. They offer extremely affordable car insurance, but they also have an extremely small target market. If you have too many tickets or insurance claims, you could easily be turned away. This is how they keep their rates low.

Beyond that, you also need to live in the state of Utah. If you travel a lot, claims including roadside assistance can be more complicated. Before choosing Bear River, you should consider if it's the right fit and what your options are.

Best car insurance in UT Utah


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