Utah Teen Driver Insurance: Costs & Discounts for Parents
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
State Requirements
Teen drivers in Utah follow a graduated licensing system: learner permits at age 15 (with driver education) or 16 (without), restricted licenses at 16 with passenger and nighttime restrictions, and full licenses at 17 once all requirements are met. Utah Code § 31A-22-303 mandates that all auto insurers doing business in the state must offer good student discounts to drivers under age 25 who maintain at least a B average, making this one of the few states where the discount is a legal requirement rather than a carrier option.
Liability Insurance
Uninsured/Underinsured Motorist Coverage
Personal Injury Protection (PIP)
Collision Coverage
Comprehensive Coverage
Cost Overview
$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
Add Your Teen Without Doubling Your Bill
Compare Teen Driver 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
Frequently Asked Questions
What is Utah's graduated licensing system and how does it affect insurance?
Utah issues learner permits at age 15 (with driver education) or 16 (without), requiring 40 hours of supervised driving including 10 at night. At 16, teens can get a restricted license with nighttime driving restrictions (midnight–5am) and passenger limits (no more than one non-family passenger under 21 for the first six months). Full licenses are available at 17 after completing all requirements. Insurers typically charge highest rates during the learner/restricted stages (ages 16–17) and reduce premiums as teens progress to full licensing and gain experience.
Coverage Types
Liability Insurance
Covers injuries and property damage you cause to others. The foundation of every policy and the only coverage Utah legally requires.
Collision Coverage
Pays to repair your vehicle after an accident, regardless of who was at fault. Subject to your chosen deductible.
Comprehensive Coverage
Covers theft, vandalism, weather damage, and animal strikes. Not related to driving behavior or fault.
Uninsured/Underinsured Motorist
Protects you when hit by a driver with no insurance or insufficient coverage to pay for your injuries.
Personal Injury Protection (PIP)
Pays medical expenses and lost wages for you and your passengers regardless of fault. Required in Utah.
Full Coverage
Industry term (not a legal one) referring to liability, collision, and comprehensive bundled together. What lenders require on financed vehicles.