Bear River Mutual Insurance Company offers auto and a few other insurance products exclusively in the state of Utah. It is a well-established company with over 100 years of experience that has strong financials and a reputation for offering inexpensive auto insurance to the local market. Its products are sold through local agents. There is relatively little information about the company’s customer service practices, but the reviews online are generally mixed with some customers having positive experiences due to the low rates that are offered, and others having difficulties with claims processing.