Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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The lowdown...

  • Some family members can drive your vehicle without being on the policy under your auto insurance
  • If your son is living in your household or dependent on you financially, they need to be listed as a driver
  • Household children who are licensed to drive but who have their own insurance can still drive your vehicles
  • Inexperienced male operators who have their unrestricted license are the most expensive driver class to insure
  • If a teen in your home only has their permit, they don’t have to be listed as a driver until they are licensed

Having children can be expensive. A lot of parents think that it costs more to raise a teenage daughter, but these people aren’t considering how much sons cost to insure.

Out of all of the different driver classifications in the insurance marketplace, teen males are charged the most money for coverage.

All teen drivers pay high premiums, but males will raise premiums much higher than their female counterparts.

As a parent, you want to help your children become self-sufficient adults.

One way to do this is to help your child buy a car and cover their expenses. As nice as this is, you can’t pay your son’s way forever. Eventually, they will branch off of your insurance.

If you’re wondering if and when your son is covered under your policy, here’s a guide to help.

Before that, if you are looking for better auto insurance for you and your son, start comparison shopping by entering your ZIP code above!

Can my teen son drive my car when he’s learning to drive?


Driving a car is second nature for some but, for others, it takes a lot of practice.

If you’re ready to teach your teenage son how to drive, he’s going to have to have access to a car. You could rent a car, but most rental agencies have policies in place saying that unlicensed drivers can’t operate their inventory.

The only other option is to let your son drive your car as they become familiar with:

  • Sitting behind the wheel
  • Signaling
  • Braking
  • All of the other fundamentals of driving

As a learner driver, there’s a good chance that your teenage son will be covered automatically for as long as they have their permit.

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Why will your insurance company cover a teen with a permit?


It seems awfully nice that a for-profit auto insurance company would provide you with extra protection when your teen starts to learn behind the wheel. After all, letting your son take your car for a spin could potentially cost the company money if they crash.

You have to understand that extending coverage is protocol because it protects your finances.

A teen who has their permit has never been tested behind the wheel to see if they are ready to hit the road.

When your son gets their permit, all they have to do is get your permission and then pass a written test. This test proves that your son knows driving laws, but it doesn’t prove they know how to follow them while they are driving.

All teens are classified as high-risk drivers.

Still, a majority of insurance companies will cover a learner driver under the parent’s policy for as long as they have their provisional license.

As long as you’re supervising them while they are learning, it’s not a huge concern to the insurer. It’s when your son can legally drive by himself that he needs to be added.

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Always Tell Your Insurer When Your Son Gets His Permit

It’s your duty to tell your insurer when there’s a new risk in your household.

Not only do you have to inform them when someone who has their license moves into your home, but you also have to tell them when one of your children goes from being a passenger to a driver.

Even if your son only has their permit, you should still tell your agent. Chances are your agent will just inform you that all you need to do is supervise them and they will be covered until they pass their licensing test. Some carriers may charge a small fee, but it’s not common.

If you don’t fulfill your duty to notify your insurer of new risk, they may not even cover your son when they have their permit.

What happens if your son has their license?


As long as your son has his license and lives in your home, he needs to be listed on your policy. Being listed means that your son will affect your rates.

You’ll have to add him to your policy if you allow him to drive your vehicles. When your son is licensed and they aren’t a rated driver, your claims could be denied.

When your son lives outside of your home, they don’t have to be listed on your policy.

As long as your son has his own car and his own policy, he doesn’t have to be listed on your policy when they live in or outside of your home.

When your son is away at school, he’s still a dependent and should be listed as a driver under your insurance. Otherwise, you’ll be at risk.

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Why is it so expensive to add your son to your policy?


Adding your son to your policy when he’s 19 or younger is going to cost you quite a bit of money.

The average cost to add drivers under 19 to your insurance is $800 per year.

Males always cost more than females to insure in young age brackets.

Every insurance company will charge a different rate, but premium trends show that males between the ages of 15 and 19 will boost your premiums by about 98 percent.

Is there any way to avoid paying premiums for your son?

The only way to avoid paying high rates for your son when he lives in your home is to exclude him from your policy.

Excluding him from your policy is essentially a legal way to add a condition to the contract that says that your son can’t drive your car. If he drives, the carrier is not obligated in any way to pay for claims.

Your son is allowed to drive your car(s) when he is listed on your policy. He is also covered if he has his own policy and if he wants to borrow your car.

Keep all this in mind when you’re buying coverage. If you’d like to shop for a separate policy for your son, just use an online rate quote to compare premiums and find a deal.

Try our FREE online quote tool and start comparing auto insurance rates to find the best rates for you and your son! Enter your ZIP code below!