Child is legal age of 18 and does not drive my vehicle. The child only sleeps at my home. We do not share meals. Lucky to see each other on any given day. We live separate lives.
All members of your household, that are of driving age, need to be listed on your policy. You can either list them as a driver or you can exclude them. If you exclude them, then they will not be covered to drive under your policy and will not impact your rate. I suggest calling your insurance company to see if they will exclude your child. Good luck and if you have any questions, don’t hesitate to ask.