A novel rate-dependent cohesive phase-field model that can simulate fluid-driven dynamic quasibrittle fracture in soft coal rocks is presented. The coal matrix and fractures are described by a unified fluid continuity equation, and the Poiseuille flow in the fractures is modeled by deformation-dependent permeability. Dynamic evolution equations for porosity, permeability and the Biot coefficient during phase-field evolution are developed. The phase-field evolution equation is derived from the total energy generalization based on the Francfort–Marigo variational principle. To simulate the rate-dependent dynamic fracture problem accurately, the effects of the phase-field evolution dissipation energy and inertia energy are considered. The above multifield coupled system is solved via a staggered approach within the finite element framework via the Newton–Raphson iterative algorithm. The independence and convergence of the proposed model were verified, and its accuracy was validated via an analytical solution for crack width and a benchmark test for dynamic crack propagation. The propagation law of single/multicluster hydraulic fractures in coal seams with interlayers was investigated via the proposed model. The simulations revealed that the number of clusters and the mechanical properties of the interlayers significantly influence the fracture morphology. Finally, hydraulic fracturing of fracture-developed coal seams was simulated, confirming the potential of the proposed model.