When can I remove my son from my car insurance policy?

Son, 25, has own vehicle still lives at home but is getting his own policy. Can we remove him from our policy? He does not drive our vehicles. Also, my other son, 28, lives outhe t of home and is still listed on our policy they will not remove him until I prove that he does not live here? Really?

Sep 6, 2018 Austin, TX

Ava Lynch

Sep 6, 2018

The best option in this situation would be to exclude both of your sons from the policy. By excluding them, they will no longer be covered to drive your vehicles and should not impact your rates any longer. Your son that lives with you must be excluded since he is still in the household. You can remove your son who does not live with you but it seems that your insurance company requires proof, which is the case for some companies but not all. That's why I suggest excluding both of them. It's easier for you because you should not have to provide any type of proof to exclude them. Now, if they do end up driving your cars ( for whatever reason) they will not be covered at all if there is an accident. Good luck and if you have any other questions, don't hesitate to ask.

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