Affordable Auto Insurance Near You
Looking for a reliable auto insurance quote tailored to your needs? At Keystone Insurance Services, we work closely with Bear River Mutual Insurance to deliver competitive pricing and dependable coverage for drivers across Utah. With over a century of experience in the state, Bear River Mutual understands what Utah drivers require-whether you’re commuting through Salt Lake City or navigating the roads of Eagle Mountain.
Unlike many agents who only represent a single provider, our independent insurance professionals offer access to Bear River Mutual and more than a dozen other top-tier auto insurance companies. Even though Bear River Mutual is often the most cost-effective and comprehensive choice for Utah drivers, our role is to compare policies, premiums, and protections—so you get the best possible fit for your lifestyle and budget.
We simplify the insurance process by helping you evaluate quotes, understand coverage details, and make informed decisions. Whether you’re a teen driver or a long-time resident searching for the “best auto insurance agent near me,” you’ve come to the right place.
Jump to: How does no-fault insurance work? | How are claims determined? | Auto insurance Requirements | Utah Teen Driving Laws | Auto Insurance Options | Get A Quote | Seguro de auto en Utah para hispanohablantes
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How Does No-Fault Insurance Work in Utah?
As a no-fault state, Utah requires your Personal Injury Protection (PIP) coverage to cover medical costs-regardless of who caused the accident. While Bear River Mutual policies allow for customization of your PIP (such as lost wage protection), note that no-fault insurance does not apply to vehicle damage. For that, the at-fault party’s property damage liability insurance comes into play.
How Are Car Insurance Claims Handled in Utah?
Utah follows a comparative negligence model, meaning multiple parties can share fault. If you’re less than 50% responsible for an accident, you can file a claim for damages. For example, if you’re found 20% at fault, the opposing insurer may reimburse you for up to 80% of your losses. Bear River Mutual agents can help you navigate this process to ensure a smooth, fair settlement.
Utah Auto Insurance Requirements
By law, all Utah drivers must carry proof of auto insurance. The minimum legal coverage includes:
- Bodily Injury Liability: $25,000 per person / $65,000 per accident
- Property Damage Liability: $15,000 per accident
- Personal Injury Protection (PIP): $3,000 minimum*
- Uninsured Motorist: $25,000 per person / $65,000 per accident**
- Underinsured Motorist: $25,000 per person / $65,000 per accident**
* Lost income protection under PIP can be waived in writing.
** UM/UIM coverages may also be declined in writing.
Bear River Insurance for Teen Drivers in Utah
Teen drivers are eligible for a learner’s permit at 15 and can apply for a license at 16 after meeting training and practice requirements. Drivers under 17 are restricted from driving between midnight and 5 AM unless exceptions apply.
Let our agents know if your household includes a new driver-we’ll tailor your Bear River auto insurance policy accordingly.
Add-On Auto Insurance Options from Bear River Mutual
24/7 Roadside Assistance
Stay protected with towing, lockout services, or emergency fuel delivery coverage.
Rental Car Reimbursement
Bear River Mutual can cover rental costs while your car is being repaired after an accident-so you’re never left without transportation.
Connect with a Local Bear River Mutual Auto Insurance Agent
Ready to see what Bear River Mutual can offer you? Whether you live in Provo, Orem, Payson, Eagle Mountain, or Salt Lake City, our certified insurance agents are nearby and ready to help. We’ll explain your options, answer your questions, and make sure your auto insurance coverage is affordable, flexible, and easy to manage.
Click below to get started and receive your personalized auto insurance quote in minutes.
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What Our Clients Say
“Karen nailed it!!! I called up, she gathered all the info and I had the most inexpensive auto insurance policies ever. Hope she gets that Christmas bonus, she deserves it. :)”
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