Teen Driver Insurance in Utah: Parent & Student Guide
Utah requires 30/65/25 liability coverage and is a no-fault state.
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Utah at a Glance
30/65/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
No-fault
Each driver's own policy pays their injuries first, whoever caused the crash
Required
PIP coverage must be on every policy
15
Minimum learner's permit age, 40 supervised driving hours
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Utah
Teen drivers in Utah follow a graduated licensing system: learner permit at 15, intermediate license at 16 after completing driver education and 40 hours of supervised driving, and full license at 17 after six months restriction-free. Utah statute 31A-19a-211 mandates that all insurers offer good student discounts to teen drivers who maintain a B average or equivalent—one of the few states where this discount is legally required, not carrier-discretionary.
Liability Insurance
Uninsured/Underinsured Motorist Coverage
Personal Injury Protection (PIP)
Collision Coverage
Comprehensive Coverage
What Drivers Pay in Utah
$231–$525/mo
Typical monthly rate in Utah, adding a driver aged 16–19 to a parent's policy
Rate data: Insurify and ValuePenguin, 2025
What Affects Your Rate
- Telematics programs: Usage-based insurance programs from major carriers monitor braking, acceleration, speed, and time of day.
- Driver education completion: Utah requires driver education for all teens under 18 applying for a learner permit.
- Vehicle type and age: Insuring a teen on a 10-year-old sedan with modern safety features costs significantly less than a newer high-performance vehicle or SUV. Vehicles with high theft rates or expensive repair costs drive premiums higher.
- Married young drivers see lower rates than single drivers, reflecting actuarial risk.
Cover Your New Driver for Less
Compare Teen Driver Insurance RatesRules for new drivers
Night driving
midnight-5am
Passengers
no passengers for first 6 months (family exempt; secondary)
Source: IIHS and state DMV records, verified July 2026
Coverage Types
Liability Insurance: Higher Limits for Teen Drivers
Utah's 25/65/15 minimums are often insufficient for a teen driver accident. A single serious injury claim can easily exceed $25,000 per person, and property damage to a newer vehicle or multiple vehicles exhausts the $15,000 limit quickly.
Collision Coverage: The Add-or-Drop Decision
Collision repairs or replaces your vehicle after an at-fault accident—the most common concern with a new driver. Whether to carry collision depends entirely on vehicle value and your financial ability to replace it.
Comprehensive Coverage: Wildlife and Weather Risk
Comprehensive covers non-collision events: theft, vandalism, hail, and animal strikes. It is typically less expensive than collision and often worth keeping even on older vehicles.
Personal Injury Protection (PIP): Utah No-Fault Requirement
Utah requires $3,000 minimum PIP to cover your medical expenses after an accident regardless of fault. PIP is primary over health insurance in Utah and also covers lost wages and funeral expenses.
Uninsured/Underinsured Motorist Coverage
UM/UIM coverage protects you when the at-fault driver has no insurance or insufficient limits. Utah requires insurers to offer it, but drivers can decline in writing.
Good Student Discount: Legally Mandated in Utah
Utah statute 31A-19a-211 requires all insurers to offer good student discounts to teen drivers maintaining a B average or 3.0 GPA. This is not a carrier-discretionary benefit—it is legally mandated.